<SEC-DOCUMENT>0001062993-23-007493.txt : 20230322
<SEC-HEADER>0001062993-23-007493.hdr.sgml : 20230322
<ACCEPTANCE-DATETIME>20230322163116
ACCESSION NUMBER:		0001062993-23-007493
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		25
CONFORMED PERIOD OF REPORT:	20230316
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:		20230322
DATE AS OF CHANGE:		20230322

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:		23753325

	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
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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="CR20230316">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>
        <p style="text-align: center;">Date of Report (Date of earliest event reported): <span style="text-decoration: underline; font-weight: bold;">
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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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                <td style="text-align: center;">(State or other jurisdiction</td>
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                <td style="text-align: center;">of incorporation)</td>
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                <td style="text-align: center; width: 33%;">Identification No.)</td>
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        <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>
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            <ix:nonNumeric name="dei:WrittenCommunications" format="ixt-sec:boolballotbox" contextRef="CR20230316">&#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="CR20230316">&#9744;</ix:nonNumeric> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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        <p>Securities registered pursuant to Section 12(b) of the Act:</p>
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                <td style="text-align: center; width: 30%; border-bottom: 1px solid; white-space: nowrap;"><b>Name of each exchange on which registered</b></td>
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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>
        <p style="text-align: justify;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox" contextRef="CR20230316">&#9744;</ix:nonNumeric>
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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>
        <hr style="page-break-after: always; width: 100%; color: #000000; height: 5px; background-color: black;" /><a id="page_2"></a>
        <p style="margin-top: 0pt; text-align: justify;"><b>Item 1.01. Entry Into a Material Definitive Agreement.</b></p>
        <p style="text-align: justify;"><i><b>Fifth Amendment and Restatement Agreement</b></i></p>
        <p style="text-align: justify;">On March 16, 2023, Lesaka Technologies, Inc. (<b>"Lesaka"</b>), through Lesaka Technologies Proprietary Limited (<b>"Lesaka SA"</b>), entered into a Fifth Amendment and Restatement Agreement, which includes, among other agreements, an Amended and Restated Common Terms Agreement (<b>"CTA"</b>), an Amended and Restated Senior Facility G Agreement (<b>"Facility G Agreement"</b>) and an Amended and Restated Senior Facility H Agreement (<b>"Facility H Agreement"</b>) (collectively, the "<b>Loan Documents</b>") with FirstRand Bank Limited (acting through its Rand Merchant Bank division) ("<b>RMB</b>" or the "<b>Lenders</b>").</p>
        <p style="text-align: justify;">On March 16, 2023, the USD/ZAR exchange rate was $1: ZAR 18.3987.</p>
        <p style="text-align: justify;"><i>Amended CTA</i></p>
        <p style="text-align: justify;">Amendments to the CTA include an amendment to the asset cover ratio to change the Covenant Equity Value (as defined in the CTA) definition to include 90% of the book value of the Moneyline Financial Service Proprietary Limited receivables, and to deduct the net debt (as defined in the CTA) of Cash Connect Management Solutions Proprietary Limited ("<b>CCMS</b>") and K2021 Proprietary Limited ("<b>K2021</b>") from the respective CCMS and K2021 valuations. When determining the Covenant Equity Value, the value of the aggregate of the CCMS Equity Value (as defined in the CTA) and the K2021 Equity Value (as defined in the CTA) must be at least 50 per cent of the Covenant Equity Value.&#160; To the extent that the value of the aggregate of the CCMS Equity Value and the K2021 Equity Value is not at least 50 per cent of the Covenant Equity Value, the Covenant Equity Value will be reduced so that the aggregate of the CCMS Equity Value and the K2021 Equity Value is 50 per cent of the Covenant Equity Value.</p>
        <p style="text-align: justify;">The amendments also include the removal of a requirement to maintain a minimum group cash balance.</p>
        <p style="text-align: justify;"><i>Amended Facility G Agreement</i></p>
        <p style="text-align: justify;">Pursuant to the Facility G Agreement, Lesaka SA may borrow up to an aggregate of approximately ZAR 708.6 million. Facility G now includes a term loan of ZAR 508.6 million and a revolving credit facility of up to ZAR 200 million. Interest on Facility G is based on the 3-month Johannesburg Interbank Agreed Rate ("JIBAR") in effect from time to time plus a margin, as a result of the amendment, from January 1, 2023 of: (i) 5.50% for as long as the aggregate balance under Facility G and Facility H (together, the <b>"Facilities"</b>) is greater than ZAR 800 million; (ii) 4.25% if the aggregate balance under the Facilities is equal to or less than ZAR 800 million, but greater than ZAR 350 million; or (iii) 2.50% if the aggregate balance under the Facilities is less than ZAR 350 million.</p>
        <p style="text-align: justify;">Interest on Facility G may be capitalized to the facility and will be repaid on the maturity date, provided that the sum of the outstanding facility (including interest and fees) plus any accrued interest does not exceed 1.2 times of the Facility G outstanding balance. Any interest that exceeds this cap must be settled in full on a quarterly basis.</p>
        <p style="text-align: justify;">Lesaka SA will pay a quarterly commitment fee computed at a rate of 35% of the Applicable Margin (as defined in the Facilities) on the amount of the revolving credit facility outstanding and such commitment fee will also be capitalized, subject to the cap discussed above.</p>
        <p style="text-align: justify;"><i>Amended Facility H Agreement</i></p>
        <p style="text-align: justify;">Pursuant to the Facility H Agreement, Lesaka SA may borrow up to an aggregate of approximately ZAR 357.4 million.</p>
        <p style="text-align: justify;">From January 1, 2023, interest on Facility H is calculated on the same basis as for Facility G. Interest on Facility H may be capitalized to the facility and will be repaid on the maturity date, provided that the sum of the outstanding facility (including interest and fees) plus any accrued interest does not exceed 1.2 times of the Facility H outstanding balance. Any interest that exceeds this cap must be settled in full on a quarterly basis.</p>
        <p style="text-align: justify;"><i><b>First CCMS Amendment and Restatement Agreement</b></i></p>
        <p style="text-align: justify;">On March 22, 2023, Lesaka, through CCMS, entered into a First Amendment and Restatement Agreement, which includes, among other agreements, an Amended and Restated Facilities Agreement (<b>"CCMS Facilities Agreement"</b>) with RMB. The CCMS Facilities Agreement was amended to increase the facilities available under the CCMS Facilities Agreement by R200,000,000. The final maturity date has been extended to December 31, 2027, and scheduled principal repayments have been amended, with the first scheduled repayment commencing from March 31, 2026.</p>
        <hr style="break-after: page; text-align: center; height: 5px; color: #000000; background-color: #000000; width: 100%;" /><a id="page_4"></a>
        <p style="text-align: justify; margin-top: 10pt;">On March 20, 2023, the USD/ZAR exchange rate was $1: ZAR 18.466844.</p>
        <p style="text-align: justify;"><i><b>Amendment to Securities Purchase Agreement with VCP</b></i></p>
        <p style="text-align: justify;">On March 22, 2022, Lesaka and Lesaka SA entered into a Securities Purchase Agreement (the "<b>VCP Agreement</b>") with Value Capital Partners Proprietary Limited ("VCP") whereby VCP will procure that one or more funds under its management (the "<b>Purchasing Funds</b>") will subscribe for, and Lesaka will have the obligation to issue and sell to the Purchasing Funds, ZAR 350.0 million of common stock of Lesaka if certain defined events occur. On March 16, 2023, VCP, Lesaka and Lesaka SA, entered into an agreement (the "<b>VCP Amendment Agreement</b>") to amend the maturity date under the agreement with VCP to December 31, 2025, in order to align such date with the maturity date of the Facilities. In connection with the VCP Amendment Agreement, Lesaka SA agreed to pay VCP an additional commitment fee in an amount equal to ZAR 8.9 million, which is calculated as 1% per annum of the support provided over the period of the extension, as a result of the amendment to the maturity date.&#160;</p>
        <p style="text-align: justify;">The foregoing descriptions of the Loan Documents, the CCMS Facilities Agreement and the VCP Amendment Agreement do not purport to be complete and are qualified in their entirety by reference to the full text thereof, copies of which are attached hereto as Exhibits 10.1 through 10.3 and are 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: 14%; vertical-align: top; text-align: center; white-space: nowrap;">No.</td>
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                <td style="width: 14%; 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; vertical-align: top; text-align: justify; background-color: #eeeeee;"><a href="exhibit10-1.htm">Fifth Amendment and Restatement Agreement, dated March 16, 2023, between Lesaka Technologies Proprietary Limited (as borrower), and FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as lender), and FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as facility agent)</a></td>
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                <td style="width: 14%; vertical-align: top; text-align: center;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; text-align: justify;">&#160;</td>
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                <td style="width: 14%; vertical-align: top; text-align: center; background-color: #eeeeee;"><a href="exhibit10-2.htm">10.2</a></td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; text-align: justify; background-color: #eeeeee;"><a href="exhibit10-2.htm">First Amendment and Restatement Agreement, dated March 22, 2023, between Cash Connect Management Solutions Proprietary Limited (as borrower), arranged by FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as mandated lead arranger), and FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as facility agent)</a></td>
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                <td style="width: 14%; vertical-align: top; text-align: center;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; text-align: justify;">&#160;</td>
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                <td style="width: 14%; vertical-align: top; text-align: center; background-color: #eeeeee;"><a href="exhibit10-3.htm">10.3</a></td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; text-align: justify; background-color: #eeeeee;"><a href="exhibit10-3.htm">Amendment No. 1 to Securities Purchase Agreement dated March 16, 2023, among Lesaka Technologies, Inc. (formerly Net1 UEPS Technologies, Inc.), Lesaka Technologies Proprietary Limited (formerly Net1 Applied Technologies South Africa Proprietary Limited) and Value Capital Partners Proprietary Limited</a></td>
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                <td style="width: 14%; vertical-align: top; text-align: center;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; text-align: justify;">&#160;</td>
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            <tr>
                <td style="width: 14%; vertical-align: top; text-align: center; background-color: #eeeeee;">104</td>
                <td style="width: 85%; vertical-align: top; text-align: justify; background-color: #eeeeee;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</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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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt;" colspan="2"><b>LESAKA TECHNOLOGIES, INC.</b></td>
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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 45%;">&#160;</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">Date: March 22, 2023</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">By:</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 45%; border-bottom: 0.75pt solid #000000;">/s/ Naeem E. Kola</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">Name:</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 45%;">Naeem E. Kola</td>
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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">Title:</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 45%;">Group Chief Financial Officer</td>
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    <p style="text-align: right;">Exhibit 10.1<b><br></b></p>
    <p style="text-align: right; margin-bottom: 0pt;"><b>EXECUTION</b></p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIFTH AMENDMENT AND RESTATEMENT AGREEMENT</b></p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>DATED 16 MARCH, 2023</b></p>
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    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">between</p>
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    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED<br></b>(as borrower)</p>
    <p style="text-align: center; margin-top: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">and</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-bottom: 0pt; text-align: center; margin-top: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b></p>
    <p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt;">(as lender)</p>
    <p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-top: 0pt; text-align: center; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">and</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as facility agent)</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">relating to the Senior Facility G Agreement and Senior Facility H Agreement, originally dated 24 January, 2022</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <p style="text-align: center;"><b>CONTENTS</b></p>
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            <td style="text-align: left; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Clause</b></td>
            <td style="width: 10%; text-align: right; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Page</b>&#160;</td>
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            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_3">1.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Interpretation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_3">3</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_4">2.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Effective Date</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_4">4</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_5">3.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Amendments</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_5">5</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_5">4.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Representations and Warranties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_5">5</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_7">5.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Guarantees</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_7">7</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_7">6.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Security</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_7">7</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_7">7.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Resignation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_7">7</a></td>
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            <td style="width: 10%; text-align: right; padding-right: 15pt;">&#160;</td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_7">8.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Interest</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_7">7</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_7">9.<font style="width: 17.16pt; display: inline-block;">&#160;</font>Miscellaneous</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_7">7</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_8">10.<font style="width: 11.6pt; display: inline-block;">&#160;</font>Governing Law</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_8">8</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_8">11.<font style="width: 11.6pt; display: inline-block;">&#160;</font>Counterparts</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_8">8</a></td>
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            <td style="width: 10%; text-align: right; padding-right: 15pt;">&#160;</td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_9">Schedule 1 The Obligors</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_9">9</a></td>
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            <td style="width: 10%; text-align: right; padding-right: 15pt;">&#160;</td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_10">Schedule 2 Conditions Precedent</a></td>
            <td style="width: 10%; text-align: right; padding-right: 15pt; background-color: #eeeeee;"><a href="#page_10">10</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_12">Schedule 3 Amended and Restated Common Terms Agreement</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_12">12</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_153">Schedule 4 Amended and Restated Senior Facility G Agreement</a></td>
            <td style="width: 10%; text-align: right; padding-right: 15pt; background-color: #eeeeee;"><a href="#page_153">13</a></td>
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            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_166">Schedule 5 Amended and Restated Senior Facility H Agreement</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee; padding-right: 15pt;"><a href="#page_166">14</a></td>
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    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is made between:</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">(1)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED</b>, registration number 2002/031446/07, as borrower (the <b>Borrower</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(2)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EACH GUARANTOR LISTED IN SCHEDULE 1 (THE OBLIGORS) </b>as guarantors (the <b>Guarantors</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(3)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>NET1 UNIVERSAL ELECTRONIC TECHNOLOGICAL SOLUTIONS PROPRIETARY LIMITED</b>, registration number 2009/001034/07, as resigning guarantor (the <b>Resigning Guarantor</b>);</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">(4)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as original lender under the Senior Facility G Agreement (in this capacity, the <b>Original Senior Facility G Lender</b>);</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">(5)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as original lender under the Senior Facility H Agreement (in this capacity, the <b>Original Senior Facility H Lender</b>); and</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">(6)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as agent of the Finance Parties (the <b>Facility Agent</b>).</p>
    <p style="text-align: justify;"><b>BACKGROUND</b>:</p>
    <p style="text-align: justify; margin-left: 22.7pt; text-indent: -22.7pt;">(A)<font style="width: 8.87pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement (defined below) is supplemental to, amends and restates (but does not novate) the Original Common Terms Agreement (defined below), the Original Senior Facility G Agreement (defined below) and the Original Senior Facility H Agreement (defined below).</p>
    <p style="text-align: justify; margin-left: 22.7pt; text-indent: -22.7pt;">(B)<font style="width: 9.37pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties have consented to the amendments to the Original Common Terms Agreement, the Original Senior Facility G Agreement and the Original Senior Facility H Agreement contemplated by this Agreement.</p>
    <p style="text-align: justify;"><b>IT IS AGREED</b> as follows:</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INTERPRETATION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.1<font style="width: 39pt; 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: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Agreement</b> means this amendment and restatement agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amended and Restated Common Terms Agreement </b>means the Original Common Terms Agreement as amended and restated by this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amended and Restated Senior Facility G Agreement</b> means the Original Senior Facility G Agreement as amended and restated by this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.4<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amended and Restated Senior Facility H Agreement</b> mean the Original Senior Facility H Agreement as amended and restated by this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment Document</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>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 Amended and Restated Common Terms 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 Amended and Restated Senior Facility G Agreement; and</p>
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    <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 Amended and Restated Senior Facility H Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.6<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Effective Date</b> means the date on which the Facility Agent issues the notice referred to in Clause 2.1 (Effective Date).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.7<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Common Terms Agreement</b> means the written agreement entitled "Common Terms Agreement" dated on or about 21 July, 2017, between, among others, the Borrower (as borrower) and the Facility Agent, as amended from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.8<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Senior Facility G Agreement</b> means the written agreement entitled "Senior Facility G Agreement", dated on or about 24 January, 2022, between the Borrower (as borrower), the Original Senior Facility G Lender and the Facility Agent, as amended from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.9<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Senior Facility H Agreement</b> means the written agreement entitled "Senior Facility H Agreement" dated on or about 24 January, 2022, between the Borrower (as borrower), the Original Senior Facility H Lender and the Facility Agent, as amended from time to time.</p>
    <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>Party</b> means a party to this Agreement.</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>Signature Date</b> means the date on which, once this Agreement has been signed by all the Parties, it is signed by the last Party to do so.</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Unless expressly otherwise defined in this Agreement, terms and expressions defined in the Amended and Restated Common Terms Agreement, the Amended and Restated Original Senior Facility G Agreement and the Amended and Restated Original Senior Facility H Agreement have the same meaning in this Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Construction</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The provisions of clause 1 (Definitions and Interpretation) of each of the Amended and Restated Common Terms Agreement, the Amended and Restated Original Senior Facility G Agreement and the Amended and Restated Original Senior Facility H Agreement apply to this Agreement as though they were set out in full in this Agreement, except that references to the Common Terms Agreement, Senior Facility G Agreement and the Senior Facility H Agreement are to be construed as references to the Amended and Restated Common Terms Agreement, the Amended and Restated Senior Facility G Agreement and the Amended and Restated Senior Facility H Agreement as amended by this Agreement.</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>EFFECTIVE DATE</b></p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent does not give the notice contemplated in Clause 2.1 to the Borrower on or before 23h59 on 31 March, 2023, Original Common Terms Agreement, the Original Senior Facility G Agreement and the Original Senior Facility H Agreement shall not be amended as provided in this Agreement.</p>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>AMENDMENTS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment and Restatement of the Original Common Terms Agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, on and with effect from the Effective Date, the Original Common Terms Agreement will be amended so that it reads as if it were restated in the form set out in Schedule 3 (Amended and Restated Common Terms Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment and Restatement of the Original Senior Facility G Agreement </b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, on and with effect from the Effective Date, the Original Senior Facility G Agreement will be amended so that it reads as if it were restated in the form set out in Schedule 4 (Amended and Restated Senior Facility G Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment and Restatement of the Original Senior Facility H Agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, on and with effect from the Effective Date, the Original Senior Facility H Agreement will be amended so that it reads as if it were restated in the form set out in Schedule 5 (Amended and Restated Senior Facility H Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">On and with effect from the Effective Date, any reference in a Finance Document to the "Common Terms Agreement", "Senior Facility G Agreement" and the "Senior Facility H Agreement" shall be a reference to that agreement as amended pursuant to this Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 17.66pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPRESENTATIONS AND WARRANTIES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor makes the representations and warranties set out in this Clause to each Finance Party on the Signature Date and on the Effective Date.&#160; References in this Clause to <b>it</b> or <b>its</b> include, unless the context otherwise requires, each Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 39pt; 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;">4.1.1<font style="width: 56.5pt; 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;">4.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>It and each of its Subsidiaries 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;">4.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Capacity, power and authority</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>It has the legal capacity and power to enter into and perform, and has taken all necessary action to authorise the entry into and performance of, this Agreement and the other Finance Documents to which it is or will be a party and the transactions contemplated by this Agreement and those other Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No limit on its powers will be exceeded as a result of the borrowing, grant of security or giving of guarantees or indemnities contemplated by this Agreement and the other 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;">4.3<font style="width: 39pt; 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;">4.3.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligations expressed to be assumed by it in this Agreement and 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;">4.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement and each other Finance Document to which it is a party is in the proper form for its enforcement in the jurisdiction of its incorporation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.3.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each original Security Document to which it is a party creates the security interests which that original Security Agreement 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;">4.4<font style="width: 39pt; 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 of, and the transactions contemplated by, this Agreement and the other Finance Documents to which it is a party and the establishment of Transaction Security pursuant to the Security Documents to which it is a party, do not and will not conflict with:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.4.1<font style="width: 56pt; 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;">4.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>its or any of its Subsidiaries' constitutional documents; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>any material agreement or instrument binding upon it or any of its Subsidiaries or any of its or any of its Subsidiaries' 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;">4.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 10 (Disclosure Schedule) of the Common Terms Agreement, all authorisations required:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.5.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>to enable it lawfully to enter into, exercise its rights and comply with its obligations under this Agreement and the other Finance Documents to which it is a party;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.5.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>to make this Agreement and the other Finance Documents to which it is a party admissible in evidence in its jurisdiction of incorporation; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.5.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>for it and those of its Subsidiaries which are members of the Group to carry on their respective businesses in the ordinary course and in all material respects as they are being conducted,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">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;">4.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Default</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Default is continuing or would result from the entry into and performance by it of, and the transactions contemplated by, this Agreement and the other Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">4.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repeating Representations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Repeating Representations:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">4.7.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>are true; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">4.7.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>would also be true if references to the Original Common Terms Agreement, the Original Senior Facility G Agreement and the Original Senior Facility H Agreement were construed as references to the Amended and Restated Common Terms Agreement, the Amended and Restated Senior Facility G Agreement and the Amended and Restated Senior Facility H Agreement.</p>
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    <p style="margin-left: 51.05pt; text-align: justify;">In each case, each Repeating Representation is made by reference to the circumstances existing at the Signature Date and the Effective Date, as applicable, as if references to the Original Common Terms Agreement, the Original Senior Facility G Agreement and the Original Senior Facility H Agreement are references to the Amendment Document with reference to the facts and circumstances existing as at the date of this Agreement or the Effective Date, as applicable.</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>GUARANTEES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">On the Effective Date, each Obligor:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirms its acceptance of the Amendment Documents;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees that it is bound as an Obligor by the terms of the Amendment Documents; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirms that its guarantee under clause 18 (Guarantee and Indemnity) of the Common Terms Agreement:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>continues in full force and effect on the terms of the Amended Documents; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>extends to the obligations of the Obligors under the Finance Documents (including the Amendment Documents).</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>SECURITY</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">On the Effective Date, each Obligor hereby agrees and confirms that notwithstanding any amendments which may be made to any Finance Document and the imposition of any amended, new or more onerous obligations under the original Security Agreements pursuant to this Agreement and/or the amendments arising pursuant to this Agreement:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security created by it under the Security Documents extends to the obligations of the Obligors under the Finance Documents (including the Amended and Restated Common Terms Agreement, the Amended and Restated Senior Facility G Agreement and the Amended and Restated Senior Facility H Agreement); and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security created under each Security Document to which it is a party continues in full force and effect on the terms of the respective Security Documents.</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>RESIGNATION</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Finance Parties consent to the Resigning Guarantor resigning as a Guarantor under the Common Terms Agreement, as an "Indemnifier" under the Counter-indemnity Agreement and as "Cedent" under the Obligor Security Cession &amp; Pledge.</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>INTEREST</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Parties record that the Interest payable under the Senior Facility G Agreement and the Senior Facility H Agreement was not paid on 31 December, 2022 and that the Interest payments have been rearranged under the Amended and Restated Senior Facility G Agreement and the Amended and Restated Senior Facility H Agreement to allow for the unpaid interest to be capitalised.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">9.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>MISCELLANEOUS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement is a Finance Document.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Common Terms Agreement, Original Senior Facility G Agreement, the Original Senior Facility H Agreement and this Agreement will, from the Effective Date, be read and construed as one document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as otherwise provided in this Agreement, the Finance Documents remain in full force and effect without any amendment whatsoever.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except to the extent expressly waived in this Agreement, no waiver is given by this Agreement and the Lenders expressly reserve all their rights and remedies in respect of any breach of, or other Default under, the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">10.<font style="width: 12.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GOVERNING LAW</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">This Agreement is governed by the laws of South Africa.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 12.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>COUNTERPARTS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">This Agreement may be executed in any number of counterparts.&#160; This has the same effect as if the signatures on the counterparts were on a single copy of this Agreement.</p>
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        <p style="text-align: center;">8</p>
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    <p style="text-align: right;"><b>SCHEDULE 1 </b></p>
    <p style="text-align: center;"><b>THE OBLIGORS</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 4%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;"><b>&#160;</b></td>
            <td style="width: 43%; vertical-align: middle; background-color: #e6e6e6; text-align: center; white-space: nowrap;"><b>Name of Borrower</b></td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Jurisdiction of<br>Incorporation</b></td>
            <td style="background-color: #e6e6e6; width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Registration number<br></b><b>(or equivalent, if any)</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Lesaka Technologies Proprietary Limited</td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">South Africa</td>
            <td style="width: 23%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">2002/031446/07</td>
        </tr>
    </table>
    <br>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 4%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;"><b>&#160;</b></td>
            <td style="width: 43%; vertical-align: middle; background-color: #e6e6e6; text-align: center; white-space: nowrap;"><b>Name of Guarantor</b></td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Jurisdiction of<br>Incorporation</b></td>
            <td style="background-color: #e6e6e6; width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Registration number<br></b><b>(or equivalent, if any)</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">EasyPay Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">1983/008597/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">2.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Lesaka Technologies Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2002/031446/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">3.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Lesaka Technologies, Inc</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">State of Florida, United States</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">N/A</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">4.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Moneyline Financial Services Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">1998/020799/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">5.</td>
            <td style="width: 43%; vertical-align: top; text-align: justify;">Net1 Applied Technologies Netherlands B.V.</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">Netherlands</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">34307123</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">6.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Net1 Finance Holdings Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">1998/020801/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">87.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Prism Holdings Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">1998/018949/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">8.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Prism Payment Technologies Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">1990/005062/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">9.</td>
            <td style="width: 43%; vertical-align: top; text-align: justify;">Pros Software Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2005/043662/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">10.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">RMT Systems Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2001/028826/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">11.</td>
            <td style="width: 43%; vertical-align: top; text-align: justify;">Smartswitch Netherlands Holdings B.V.</td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">Netherlands</td>
            <td style="width: 23%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">76723178</td>
        </tr>
    </table>
    <br>
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        <p style="text-align: center;">9</p>
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    <p style="text-align: right;"><b>SCHEDULE 2</b></p>
    <p style="text-align: center;"><b>CONDITIONS PRECEDENT</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Obligors</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the constitutional documents of each Original Obligor or confirmation that the constitutional documents of each Original Obligor have not changed since they were last provided.</p>
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        <p style="text-align: center;">11</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_12"></a>
    <p style="text-align: right;"><b>SCHEDULE 3</b></p>
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    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>EXECUTION</b></p>
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            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_46">31</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right;">&#160;</td>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_66">51</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_110">95</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_111">96</a></td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_111">96</a></td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_114">99</a></td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_118">103</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_124">109</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_126">111</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_132">117</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_135">120</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_138">123</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_142">127</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_145">130</a></td>
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            <td style="width: 5%; text-align: right; background-color: #eeeeee;"><a href="#page_146">131</a></td>
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    <p style="text-align: justify;"><b>IT IS AGREED </b>as follows<b>:</b></p>
    <p style="text-align: center;"><b>SECTION 1</b><br><b>INTERPRETATION</b></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>any other bank or financial institution approved by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Accession Letter</b> means a document substantially in the form set out in Part I of Schedule 4 (Form of Accession Letter).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional Guarantor</b> means a person which becomes an Additional Guarantor in accordance with Clause 25.2 (Additional Guarantors).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Administrative Parties</b> means the Arranger, the Facility Agent or the Debt Guarantor (and <b>Administrative Party</b>, as the context requires, means any of them).</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Affiliate</b>, in relation to any person, means a Subsidiary of that person or a Holding Company of that person, or any other Subsidiary of that Holding Company.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Applicable Margin</b> means, for any amount (including an Unpaid Sum) outstanding under a particular Senior Facility, the rate per annum specified as such in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Approved Bank</b> means an Acceptable Bank which has been given and has acknowledged all notices (if any) required to be given to it under an applicable Security Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.8<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Auditors</b> means Deloitte, or any other firm appointed or otherwise approved in advance by the Facility Agent in accordance with Clause 20.5.2 (Auditors).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.9<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Availability Period</b>, in relation to Senior Facility E, Senior Facility G or Senior Facility H has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.10<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Commitment</b>, in relation to Senior Facility E, Senior Facility G or Senior Facility H means a Lender's Commitment under that Senior Facility 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 its participation in any outstanding Loans under that Senior 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 its participation in any Utilisations that are due to be made under that Senior Facility on or before the proposed Utilisation Date.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.11<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Facility</b>, in relation to Senior Facility E, Senior Facility G or Senior Facility H means the aggregate for the time being of each Lender's Available Commitment in respect of that Senior Facility.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.12<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Base Rate</b> means for an Interest Period of any Loan or Unpaid Sum, JIBAR, or for an Interest Period of a Loan which is less than a full period of three months (a <b>Broken JIBAR Period</b>), the rate determined in accordance with the following formula:</p>
    <p style="margin-left: 76.55pt; text-align: center;"><img src="exhibit10-1x001.jpg" style="width: 190px;" height="43"></p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">where:</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<font style="width: 28.63pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Base Rate;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<sub>1</sub><font style="width: 24.07pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>JIBAR for the period closest to but less than the Broken JIBAR Period plus, if this would result in R<sub>1</sub> being equal to the JIBAR Overnight Deposit Rate, 0.10 per cent.;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<sub>2</sub><font style="width: 24.07pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>JIBAR for the period closest to but greater than the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<font style="width: 29.24pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<sub>1</sub><font style="width: 25.18pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the period for which R<sub>1</sub> is quoted on the first day of the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<sub>2</sub><font style="width: 25.18pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the period for which R<sub>2</sub> is quoted on the first day of the Broken JIBAR Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.13<font style="width: 51pt; 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 Lesaka Group.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.14<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Costs</b>, in relation to any Senior Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.15<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Gains</b> in relation to any Senior Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.16<font style="width: 51pt; 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 New York and Johannesburg.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.17<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Paymaster</b> means Cash Paymaster Services Proprietary Limited (registration number 1971/007195/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.18<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS</b> means Cash Connect Management Solutions Proprietary Limited (registration number 2017/029430/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.19<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Acquisition Agreement</b> means the sale of shares agreement entitled "Sale of Shares Agreement" dated 31 October, 2021 between, among others, the Borrower and CCMS.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.20<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Group </b>means CCMS and each of its Subsidiaries from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.21<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Finance Document </b>means a "Finance Document" as defined in the facility agreement entitled "Facilities Agreement" dated on or about the Fourth Amendment and Restatement Agreement Signature Date between, among others, CCMS and the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.22<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Reorganisation Document</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 agreement entitled "Cancellation Agreement" concluded on 31 October 2021 between Luxanio and CCMS;</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 agreement entitled "Redemption Agreement" concluded on 31 October 2021 between CCMS and Richard Phillips;</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 agreement entitled "Share Sale Agreement" concluded on 31 October 2021 between Pierre Johann Liebenberg and CCMS; 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>the agreement entitled "Share Sale Agreement" concluded on 31 October 2021 between Alan Serrurier and CCMS.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.23<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Shares</b> means all the shares in the share capital of CCMS owned directly or indirectly by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.24<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Target Company </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>CCMS;</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>K2021;</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>Ovobix; 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>Luxanio.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.25<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cell C</b> means Cell C Limited (registration number 1999/007722/06), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.26<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Closing Date</b> means the date on which the Facility Agent issued the notice contemplated by Clause 4.1 (Initial conditions precedent), being 27 July, 2017.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.27<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment</b> means a Senior Facility E Commitment, a Senior Facility G Commitment or a Senior Facility H Commitment.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.28<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Companies Act</b> means the Companies Act, 2008, including all regulations promulgated under that act.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.29<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance Certificate</b> means a certificate substantially in the form set out in Schedule 6 (Form of Compliance Certificate) or otherwise in the agreed form.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.30<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidential Information</b> means all information relating to the Borrower, any other Obligor, the Group, the Finance Documents or a Senior Facility in the possession of a Finance Party in its capacity as, or for the purpose of becoming, a Finance Party or which is received by a Finance Party in relation to, or for the purpose of becoming a Finance Party under, the Finance Documents or a Senior Facility from either:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any member of the Group or any of its advisers; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>another Finance Party, if the information was obtained by that Finance Party directly or indirectly from any member of the Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">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>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>is or becomes public information other than as a result of any breach by that Finance Party of Clause 36 (Confidentiality); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(ii)<font style="width: 13.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>is identified in writing at the time of delivery as non-confidential by any member of the Group or any of its advisers; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(iii)<font style="width: 10.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>is known by that Finance Party before the date the information is disclosed to it in accordance with paragraphs (a) or (b) above or is lawfully obtained by that Finance Party after that date, from a source which is, as far as that Finance Party is aware, unconnected with the Group and which, in either case, as far as that Finance Party 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;">1.1.31<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality Undertaking</b> means a confidentiality undertaking substantially in the form set out in Schedule 9 (Form of Confidentiality Undertaking) or otherwise in the agreed form.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.32<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Counter-indemnity Agreement</b> means the written counter-indemnity, dated on or about the date of this Agreement, given by the Borrowers (on a joint and several basis) in favour of the Debt Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.33<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Guarantee</b> means each written first-ranking Debt Guarantee, dated on or about the date of this Agreement, given by the Debt Guarantor in favour of the other Finance Parties or any other party for the obligations of the Obligors owed to those Finance Parties under the Finance Documents or any other party under any other document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.34<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Guarantor Management Agreement</b> means the written agreement for the management and administration of the Debt Guarantor, dated on or about the date of this Agreement, between the Debt Guarantor and the Owner Trust Trustee.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.35<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Default</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>an Event of Default; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any event or circumstance which (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) would be an Event of Default.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.36<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disruption Event</b> means either or both of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 Senior Facilities (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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 a Party preventing that, or any other Party:</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(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="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>from communicating with 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.37<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Dormant Subsidiary</b> means each member of the Lesaka Group listed in Schedule 11 (Dormant Subsidiaries).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.38<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EasyPay</b> means EasyPay Proprietary Limited (registration number 1983/008597/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.39<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EasyPay Shares</b> means all the shares in the share capital of EasyPay owned directly or indirectly by Holdco.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.40<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Economic Failure</b> means any adverse change, deterioration in existing market conditions, as determined in the sole discretion of the Facility Agent (acting on the instructions of the Lenders) (including any adverse change or other situation in the South African or international capital markets or in South African or international monetary, financial, political or economic conditions) which renders it unlawful, impossible or uneconomic for a Lender to make a Senior Facility available (or any part thereof) in terms of any Finance Document.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.41<font style="width: 51pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 14.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>land (including, without limitation, land under water).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.42<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Claim</b> means any claim, litigation, arbitral proceedings or administrative proceedings, formal notice or investigation by any authority in respect of any Environmental Law or any authorisation held (or required to be held) under applicable Environmental Law.</p>
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        <p style="text-align: center;">5</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.43<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Law</b> means any applicable law or regulation which relates to:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the pollution or protection of the Environment;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>harm to or the protection of human health; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.44<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Permit</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 any member of the Lesaka Group or in respect of any immovable properties owned or used by any member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.45<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Event of Default</b> means any event or circumstance specified in Clause 23 (Events of Default).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.46<font style="width: 51pt; 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: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>sections 1471 to 1474 of the Code, as amended from time to time, any current or future regulations or official interpretations thereof and any agreements entered into pursuant to section 1471(b) of the Code;</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 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 paragraph (a) above; 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 agreement pursuant to the implementation of any treaty, law or regulation referred to in paragraphs (a) or (b) above 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;">1.1.47<font style="width: 51pt; 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;">1.1.48<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.49<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fee Letter</b> means any letter or letters entered into by reference to this Agreement, dated on or about the Signature Date, between one or more Administrative Parties and the Borrower setting out any of the fees referred to in Clause 12 (Fees).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.50<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fidelity Insurance Policy</b> means the contract or policy of insurance with Senate Transit Underwriters Managers Proprietary Limited insuring cash-in-transit taken out by or on behalf of the Borrower on or about 25 September, 2018.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.51<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fidelity Cash-in-Transit Agreement</b> means the cash-in transit agreement dated on or about 26 September, 2018 between Fidelity Cash Solutions Proprietary Limited and the Borrower.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.52<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fifth Amendment and Restatement Agreement</b> means the written agreement entitled "Fifth Amendment and Restatement Agreement", dated on or about 15 March, 2023, between, amongst others, the Borrower (as borrower) and the Facility Agent.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.53<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fifth Amendment and Restatement Date</b> means "Effective Date" as defined in the Fifth Amendment and Restatement Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.54<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Maturity Date</b>, in relation to any Senior Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.55<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Discharge Date</b> means the date on which:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility E Outstandings, Senior Facility G Outstandings or Senior Facility H Outstandings have been irrevocably and unconditionally paid and discharged in full (whether or not as a result of enforcement); and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Finance Party has any commitment whatsoever to provide finance or any other form of credit or financial accommodation to any person under any Finance Document,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">as certified in writing by the Facility Agent (acting on the instructions of all the Lenders) within 5 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;">1.1.56<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Document</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the First Amendment and Restatement Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Second Amendment and Restatement Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Third Amendment and Restatement Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Fourth Amendment and Restatement Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Fifth Amendment and Restatement Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Senior Facility Agreement;</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 Debt Guarantee;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 15.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Counter-indemnity Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(j)<font style="width: 15.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Subordination Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(k)<font style="width: 12.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Security Document;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(l)<font style="width: 15.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Security Structure Document;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(m)<font style="width: 10.51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Right to Match Letter;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(n)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Funds Flow and Release Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(o)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Fee Letter;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(p)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Intercreditor Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(q)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Transfer Certificate;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(r)<font style="width: 15.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Accession Letter;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(s)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Resignation Letter;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(t)<font style="width: 15.56pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Utilisation Request;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(u)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Compliance Certificate;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(v)<font style="width: 13.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>any document amending any Finance Document referred to in this Clause above,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and any other document designated as such by agreement between the Facility Agent and the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.57<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Parties</b> means the Lenders and the Administrative Parties (and <b>Finance Party</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.58<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness</b> means any indebtedness for or in respect of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>moneys borrowed, credit provided and debit balances at financial institutions;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised by acceptance under any acceptance credit facility or dematerialised equivalent;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 14.34pt; 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: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any liability in respect of any Finance Lease;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Treasury Transaction (and, when calculating the value of that Treasury Transaction, only the mark-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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(h)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised by the issue of a share which by its terms (or by the terms of any security into which it is convertible or for which it is exchangeable) is or may become mandatorily redeemable or redeemable at the option of its holder (including upon the occurrence of any default under the terms of issue of any such share);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 paragraphs (a) to (i) above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.59<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finbond</b> means Finbond Group Limited (registration number 2001/015761/06), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.60<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finbond Shares</b> means all the shares in the share capital of Finbond owned directly or indirectly by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.61<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>First Amendment and Restatement Agreement</b> means the written agreement entitled "First Amendment and Restatement Agreement", dated on or about 9 March, 2018, between, amongst others, the Borrower (as borrower), FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as lender) and the Facility Agent.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.62<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fourth Amendment and Restatement Agreement</b> means the written agreement entitled "Fourth Amendment and Restatement Agreement", dated on or about 12 January, 2022, between, amongst others, the Borrower (as borrower) and the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.63<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fourth Amendment and Restatement Date</b> means "Effective Date" as defined in the Fourth Amendment and Restatement Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.64<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fourth Amendment and Restatement Signature Date</b> means the date on which, once the Fourth Amendment and Restatement Agreement has been signed by all the Parties, it is signed by the last Party to do so.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.65<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fraudulent Transfer Law</b> means any applicable US Bankruptcy Law or any applicable US state fraudulent transfer or conveyance law.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.66<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GAAP</b> means generally accepted accounting principles in the United States.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.67<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Group</b> means Holdco and each of its Subsidiaries from time to time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.68<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Group Structure Chart</b> means the written group structure diagram delivered to the Facility Agent pursuant to Clause 4.1 (Initial conditions precedent) and Schedule 2 (Conditions Precedent) on or before the Closing Date.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.69<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantor</b> means an Original Guarantor or an Additional Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.70<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Holdco Shareholder Contribution</b> means the aggregate amount of the subscription price received by Holdco in respect of shares subscribed for in the share capital of Holdco provided such share issue is a Permitted Share Issue under Clause 22.18.2(b) (Share capital).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.71<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Holding Company</b>, in relation to a company or corporation, means any other company or corporation in respect of which it is a Subsidiary.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.72<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>IFRS</b> means international accounting standards within the meaning of IAS Regulation (EC) No 1606/2002 of the European Parliament and of the Council of the European Union, to the extent applicable to the relevant financial statements.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.73<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insurance</b> means any contract or policy of insurance and reinsurance taken out by or on behalf of a member of the Lesaka Group or under which it has a right to claim.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.74<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property Rights</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any know-how, patent, trade mark, service mark, design, invention, trading or business name, domain name, topographical or similar right;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any copyright, data base or other intellectual property right; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any interest and rights to use (including by way of licence) in the above,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case whether registered or not, and includes any related application.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.75<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intercreditor Agreement</b> means the intercreditor agreement between the Finance Parties in relation to this Agreement and the other Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.76<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Period</b>, in relation to any Senior Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.77<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Payment Date</b>, in relation to any Senior Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.78<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>ITA</b> means the Income Tax Act 58 of 1962.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.79<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JIBAR</b> means, for an Interest Period of any Loan or Unpaid Sum:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the applicable Screen Rate; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>(if no Screen Rate is available for the Interest Period of that Loan or Unpaid Sum) the arithmetic mean of the rates (rounded upwards to four decimal places), as supplied to the Facility Agent at its request, quoted by the Reference Banks to leading banks in the Johannesburg interbank market,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">as of 11h00 on the Quotation Day for the offering of deposits in Rand for a period comparable to that Interest Period.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.80<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JIBAR Overnight Deposit Rate</b> means, for an Interest Period of any Loan or Unpaid Sum:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the applicable Screen Rate; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>(if no Screen Rate is available for the Interest Period of that Loan or Unpaid Sum) the arithmetic mean of the rates (rounded upwards to four decimal places), as supplied to the Facility Agent at its request, quoted by the Reference Banks to leading banks in the Johannesburg interbank market,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">as of 11h00 on the Quotation Day for the offering of overnight deposits in Rand.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.81<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Joint Venture</b> means any joint venture entity, whether a company, unincorporated firm, undertaking, association, joint venture or partnership (whether an <i>en commandite</i> partnership or any other 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;">1.1.82<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2021</b> means K2021477132 Proprietary Limited (registration number 2021/477132/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.83<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2021 Group </b>means K2021 and each of its Subsidiaries from time to time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.84<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2021 Shares</b> means all the shares in the share capital of K2021 owned directly or indirectly by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.85<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Kwande </b>means Kwande Group Proprietary Limited (registration number 2000/003245/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.86<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Kwande Group</b> means Kwande and each of its Subsidiaries from time to time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.87<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lenders</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility E Lenders;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility G Lenders; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility H Lenders,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and <b>Lender</b>, as the context requires, means any of them.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.88<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka Group</b> means each member of the Group from time to time, but excluding (a) Cash Paymaster, (b) members of the CCMS Group, (c) members of the K2021 Group, (d) members of the Kwande Group, (e) any Subsidiaries of Net1 Applied Technologies Netherlands and (f) SmartSwitch Botswana.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.89<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loan</b> means a loan made or to be made under a Senior Facility, or the principal amount outstanding of that loan from time to time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.90<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Longstop Date</b> means 31 July, 2017.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.91<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Luxanio</b> means Luxanio 227 Proprietary Limited (registration number 2018/605739/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.92<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Adverse Effect</b> means the occurrence of any event or circumstance or the change in any circumstances which, in the reasonable opinion of the Lender, is likely to have a material adverse effect on:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the business, operations, property or condition (financial or otherwise), or the prospects of any Obligor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the ability of an Obligor to perform its obligations under the Finance Documents to which it is a party; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the validity or enforceability of any of, or the effectiveness or ranking of any Transaction Security granted or purporting to be granted pursuant to any of the Finance Documents or the rights or remedies of any Finance Party under any of the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.93<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Contracts</b> means any contract which contributes more than 5.00 per cent. of the total revenue of the Lesaka Group or which contributes more than 5.00 per cent. of Consolidated EBITDA of the Lesaka Group and more than ZAR10,000,000 of Consolidated EBITDA of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.94<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Subsidiary</b> means a Subsidiary of the Borrower whose gross assets, EBITDA (as defined in this Clause below) or total revenue equal or exceed 5.00 per cent. or more of the gross assets, Consolidated EBITDA or total revenue of the Lesaka Group.&#160; For this purpose:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the gross assets, EBITDA or total revenue of a Subsidiary of the Borrower will be determined using the latest audited consolidated financial statements of the Borrower;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if a Subsidiary of the Borrower becomes a member of the Lesaka Group after the date on which the latest audited consolidated financial statements of the Borrower have been prepared, the gross assets, EBITDA or total revenue of that Subsidiary will be determined from its latest consolidated financial statements;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the gross assets, Consolidated EBITDA or total revenue of the Lesaka Group will be determined from the latest audited consolidated financial statements of the Borrower;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the <b>EBITDA</b> of a Subsidiary (or a company or business subsequently acquired or disposed of) will be determined on the same basis as Consolidated EBITDA (as defined in Clause 1.2 (Financial Definitions)), except that references to the Borrower will be construed as references to that Subsidiary, company or business.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Notwithstanding the above, each of the following companies will be a Material Subsidiary:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Original Guarantor (other than Holdco and the Borrower);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(ii)<font style="width: 14.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Subsidiary of Holdco which is a direct Holding Company of an Obligor;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(iii)<font style="width: 10.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>each directly or indirectly wholly-owned Subsidiary of Holdco (other than any Dormant Subsidiary) which is a direct Holding Company of a Portfolio Company; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(iv)<font style="width: 11.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any member of the Lesaka Group to which an Obligor or a Material Subsidiary disposes of all or any substantial part of its assets (on the date of that transfer and for any applicable period thereafter).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.95<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mobikwik</b> means One Mobikwik Systems Limited (previously known as One Mobikwik Systems Pvt Ltd) (Corporate Identity Number U64201HR2008PLC053766), a company registered under the laws of India.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.96<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mobikwik Shares</b> means all the shares in the share capital of Mobikwik owned directly or indirectly by Holdco.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.97<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Moneyline</b> means Moneyline Financial Services Proprietary Limited (registration number 1998/020799/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.98<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Month</b> means a period starting on one day in a calendar month and ending on the numerically corresponding day in the next calendar month, except that:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>(subject to paragraph (c) below) if the numerically corresponding day is not a Business Day, that period shall end on the next Business Day in that calendar month in which that period is to end if there is one, or if there is not, on the immediately preceding Business Day;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if there is no numerically corresponding day in the calendar month in which that period is to end, that period shall end on the last Business Day in that calendar month; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>if an Interest Period begins on the last Business Day of a calendar month, that Interest Period shall end on the last Business Day in the calendar month in which that Interest Period is to end;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">The above rules will only apply to the last Month of any period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.99<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Net1 Applied Technologies Netherlands </b>means Net1 Applied Technologies Netherlands BV (registration number 34307123), a company registered under the laws of the Netherlands.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.100<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligor Security Cession &amp; Pledge</b> means the pledge and cession <i>in securitatem debiti</i> of any shares in and claims against subsidiaries and investments, bank accounts, insurances, intellectual property rights, trade receivables, claims and relevant documents by the Obligors.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.101<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligors</b> means the Borrower, Holdco and the Guarantors (and <b>Obligor</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.102<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Financial Statements</b> means the audited consolidated financial statements of the Borrower for the financial year ended 30 June, 2021.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.103<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Obligors</b> means the Borrower and the Original Guarantors (and <b>Original Obligor</b>, as the context requires, means any of them).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.104<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Senior Facility E Lender</b> means the Original Senior Lender which has a Senior Facility E Commitment set opposite its name in Column 4 (Senior Facility E Commitment) of the table in Part II of Schedule 1 (The Original Parties).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.105<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Senior Facility G Lender</b> means the Original Senior Lender which has a Senior Facility G Commitment set opposite its name in Column 5 (Senior Facility G Commitment) of the table in Part II of Schedule 1 (The Original Parties).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.106<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Senior Facility H Lender</b> means the Original Senior Lender which has a Senior Facility G Commitment set opposite its name in Column 6 (Senior Facility G Commitment) of the table in Part II of Schedule 1 (The Original Parties).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.107<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ovobix</b> means Ovobix (RF) Proprietary Limited (registration number 2013/068120/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.108<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Owner Trust</b> means the Main Street 1692 Owner Trust, a trust established and registered in accordance with the laws of South Africa for the purpose of holding the entire issued share capital of the Debt Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.109<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Owner Trust Deed</b> means the trust deed establishing the Owner Trust dated on or about the 12 August, 2019 between the Facility Agent and the Owner Trust Trustee.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.110<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Owner Trust Trustee</b> means GMG Corporate Services (Africa) Proprietary Limited, registration number 2017/157610/07.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.111<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Party</b> means a party to this Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.112<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Acquisition</b> has the meaning given to that term in Clause 22.9 (Acquisitions).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.113<font style="width: 46pt; 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 Lesaka 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.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.114<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Disposal</b> has the meaning given to that term in Clause 22.6 (Disposals).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.115<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Distribution</b> has the meaning given to that term in Clause 22.19.1 (Distribution).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.116<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Encumbrance</b> has the meaning given to that term in Clause 22.4 (Negative pledge).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.117<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Financial Indebtedness</b> has the meaning given to that term in Clause 22.5 (Financial Indebtedness).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.118<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Guarantee</b> has the meaning given to that term in Clause 22.12 (Third party guarantees).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.119<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Loan</b> has the meaning given to that term in Clause 22.11 (Loans out).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.120<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Share Issue</b> has the meaning given to that term in Clause 22.18.2 (Share capital).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.121<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Treasury Transaction</b> has the meaning given to that term in Clause 22.13 (Treasury Transactions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.122<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Prism</b> means Prism Holdings Proprietary Limited (registration number 1998/018949/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.123<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Prism Shares</b> means all the shares in the share capital of Prism owned directly or indirectly by Holdco.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.124<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Portfolio Company</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>Mobikwik;</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>Finbond; 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>Cell C.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.125<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Pro Rata Share</b> means, at any time:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if there are no Senior Facility Outstandings under a Senior Facility at that time, the proportion which a Lender's Commitment under that Senior Facility bears to all the Commitments under that Senior Facility;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>at all other times, the proportion which a Lender's Senior Facility Outstandings under a Senior Facility bears to all the Senior Facility Outstandings under that Senior Facility.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.126<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Quotation Day</b>, in relation to any period for which an interest rate is to be determined, means the first day of that period or such other day as the Facility Agent determines is generally treated as the rate fixing day by market practice in the Johannesburg interbank market.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.127<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Recovered Net Proceeds</b> has the meaning given to that term in Clause 7.4 (Mandatory prepayment - material disposal and insurance proceeds).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.128<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reference Banks</b> means the principal Johannesburg offices of Absa Bank Limited, FirstRand Bank Limited, Investec Bank Limited, Nedbank Limited and The Standard Bank of South Africa Limited, or such other banks as may be appointed by the Facility Agent in consultation with the Borrower.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.129<font style="width: 46pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.130<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repayment Instalment</b> means, in relation to a Senior Facility, each scheduled instalment for the repayment of a Senior Loan, as set out in the relevant Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.131<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repeating Representations</b> means, at any time, the representations and warranties which are made or deemed to be repeated under Clause 19.30 (Times for making representations and warranties).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.132<font style="width: 46pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.133<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Resignation Letter</b> means a letter substantially in the form set out in Schedule 5 (Form of Resignation Letter).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.134<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Right to Match Letter </b>means the right to match letter dated on or about the Fourth Amendment and Restatement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.135<font style="width: 46pt; 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>a person, country or territory which is listed on a Sanctions List or is subject to Sanctions;</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 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;">1.1.136<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctioned Transaction</b> means the use of the proceeds of the Senior Facilities 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 Group has actual knowledge 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;">1.1.137<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b> means trade, economic or financial sanctions, laws, regulations, embargoes or restrictive measures imposed, administered or enforced from time to time by any Sanctions Authority.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.138<font style="width: 46pt; 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 United Nations;</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 European Union;</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 Council of Europe (founded under the Treaty of London, 1946);</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 government of the United States of America;</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 government of the United Kingdom;</p>
    <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 government of the Republic of France,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and any of their governmental authorities, including, without limitation, the Office of Foreign Assets Control for the US Department of Treasury (<b>OFAC</b>), the US Department of Commerce, the US State Department or the US Department of the Treasury, Her Majesty's Treasury (<b>HMT</b>) and the French Ministry of Finance (<b>MINEFI</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.139<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions List</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 Specially Designated Nationals and Blocked Persons List maintained by OFAC;</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 Consolidated List of Financial Sanctions Targets and the Investments Ban List maintained by HMT,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and 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;">1.1.140<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Screen Rate</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>for JIBAR, the Johannesburg Interbank Agreed Rate, polled and published by the South African Futures Exchange (a division of the JSE Limited) for deposits in Rand for the relevant period, as displayed on the Reuters Screen SAFEY Page alongside the caption "<b>SFX 3M YLD"</b> at the applicable time; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>for the JIBAR Overnight Deposit Rate, the SAFEX overnight call deposit rate, polled and published by the South African Futures Exchange (a division of the JSE Limited) for deposits in Rand for the relevant period, as displayed on the Reuters Screen SAFEY Page alongside the caption "<b>SFXROD</b>" at the applicable time;</p>
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    <p style="margin-left: 76.55pt; text-align: justify;">If the relevant page is replaced or the information service ceases to be available, the Facility Agent (after consultation with the Borrower and the Lenders) may specify another page or service displaying the appropriate rate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.141<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Second Amendment and Restatement Agreement</b> means the written agreement entitled "Second Amendment and Restatement Agreement", dated on or about 26 September, 2018, between, amongst others, the Borrower (as borrower), FirstRand Bank Limited (acting through its Rand Merchant Bank division)&#160; (as lender) and the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.142<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Secured Account</b> means a bank account held by either Holdco or the Borrower with FirstRand Bank Limited and secured in favour of the Debt Guarantor.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.143<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security</b> or <b>Security Interest</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a mortgage bond, notarial bond, cession in security, pledge, hypothec, lien, charge, assignment or other security interest securing any obligation of any person or any other agreement or arrangement having a similar effect but excluding statutory preferences;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any arrangement under which money or claims may be applied, set off or made subject to a combination of accounts so as to effect discharge of any sum owed or payable to any person; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other type of preferential agreement or arrangement (including title retention) having an effect similar to the creation of a security interest.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.144<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Agent</b> means the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.145<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Agreement</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 Security Cession &amp; Pledge;</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 Senior Facility E Cash Pledge;</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 Senior Facility E Security Cession;</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 Security Cession &amp; Pledge.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.146<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Cession &amp; Pledge</b> means the pledge and cession <i>in securitatem debiti</i> of all the shares, securities and other ownership interests it holds in Cell C with all its debt claims (on shareholder loan account or otherwise) against any such person.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.147<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Document</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Security Agreement; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other document evidencing or creating any Security over any asset of any Obligor to secure any obligation of any Obligor to a Finance Party under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.148<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Structure Document</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 memorandum of incorporation of the Debt Guarantor;</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 Debt Guarantor Management Agreement; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Owner Trust Deed, together with the letters of authority issued by the Master of the High Court in favour of the trustees of that trust.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.149<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facilities</b> means Senior Facility E, Senior Facility G and Senior Facility H (and <b>Senior Facility</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.150<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility Agreements</b> means the Senior Facility E Agreement, the Senior Facility G Agreement and the Senior Facility H Agreement (and <b>Senior Facility Agreement</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.151<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility Loan</b> means a Loan under a Senior Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.152<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E</b> means the&#160; facility described in Clause 2 (The Senior Facilities) made available under this Agreement and the Senior Facility E Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.153<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Agreement</b> means the R1,400,000,000 facility agreement, dated on or about the date of the Second Amendment and Restatement Agreement, between the Original Senior Facility E Lenders, the Facility Agent and the Borrower (as borrower).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.154<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Cash Pledge</b> means the pledge of cash and cession <i>in securitatem debiti</i> the cash and related rights by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.155<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Commitment</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>in relation to the Original Senior Facility E Lender, the amount set opposite its name under the heading "Senior Facility E Commitment" in Part II of Schedule 1 (The Original Parties) and the amount of any other Senior Facility E Commitment transferred to it under this Agreement; 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 other Senior Lender, the amount of any Senior Facility E Commitment transferred to it under this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to the extent not cancelled, reduced or transferred by it under this Agreement or the Senior Facility E Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.156<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Lenders</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 Senior Facility E 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, financial institution, trust, fund or other entity which becomes a Party as a Senior Facility E Lender after the Signature Date in accordance with Clause 24 (Changes to the Lenders),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, which has not ceased to be a Party in accordance with the terms of this Agreement (and <b>Senior Facility E Lender</b>, as the context requires, means any of them).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.157<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Loan</b> means a Loan under Senior Facility E.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.158<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Outstandings</b> means at any time, in relation to a Senior Facility E Lender, the aggregate of all amounts of loan principal, accrued interest, Break Costs, prepayment penalties, fees and all other amounts outstanding in respect of Senior Facility E under the Finance Documents (including, without limitation, any claim for damages or restitution, any claim as a result of any recovery by an Obligor or another person of a payment or discharge under the Finance Documents on the grounds of preference, and each amount which would be included in any of the above but for any discharge, non-provability or unenforceability of a claim in any insolvency or other proceedings).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.159<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E Security Cession </b>means the cession <i>in securitatem debiti</i> of all the banks accounts, insurances and related rights by the Borrower.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.160<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G</b> means the bullet term loan and revolving credit facility described in Clause 2 (The Senior Facilities) made available under this Agreement and the Senior Facility G Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.161<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Agreement</b> means the term loan and revolving credit facility agreement, originally dated on or about the Fourth Amendment and Restatement Date, between the Original Senior Facility G Lenders, the Facility Agent and the Borrower (as borrower) as amended from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.162<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Commitment</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to an Original Senior Lender, the amount set opposite its name under the heading "Senior Facility G Commitment" in Part II of Schedule 1 (The Original Parties) and the amount of any other Senior Facility G Commitment transferred to it under this Agreement; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any other Senior Lender, the amount of any Senior Facility G Commitment transferred to it under this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to the extent not cancelled, reduced or transferred by it under this Agreement or the Senior Facility G Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.163<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Lenders</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Original Senior Facility G 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, financial institution, trust, fund or other entity which becomes a Party as a Senior Facility G Lender after the Fourth Amendment and Restatement Date in accordance with Clause 24 (Changes to the Lenders),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, which has not ceased to be a Party in accordance with the terms of this Agreement (and <b>Senior Facility G Lender</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.164<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Loan</b> means a Loan under Senior Facility G.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.165<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Outstandings</b> means at any time, in relation to a Senior Facility G Lender, the aggregate of all amounts of loan principal, accrued interest, Break Costs, prepayment penalties, fees and all other amounts outstanding in respect of Senior Facility G under the Finance Documents (including, without limitation, any claim for damages or restitution, any claim as a result of any recovery by an Obligor or another person of a payment or discharge under the Finance Documents on the grounds of preference, and each amount which would be included in any of the above but for any discharge, non-provability or unenforceability of a claim in any insolvency or other proceedings).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.166<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H</b> means the bullet term loan facility described in Clause 2 (The Senior Facilities) made available under this Agreement and the Senior Facility H Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.167<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Agreement</b> means the bullet term loan facility agreement, originally dated on or about the Fourth Amendment and Restatement Date, between the Original Senior Facility H Lenders, the Facility Agent and the Borrower (as borrower) as amended from time to time.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.168<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Commitment</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to an Original Senior Lender, the amount set opposite its name under the heading "Senior Facility H Commitment" in Part II of Schedule 1 (The Original Parties) and the amount of any other Senior Facility H Commitment transferred to it under this Agreement; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any other Senior Lender, the amount of any Senior Facility H Commitment transferred to it under this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to the extent not cancelled, reduced or transferred by it under this Agreement or the Senior Facility H Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.169<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Lenders</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Original Senior Facility H 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, financial institution, trust, fund or other entity which becomes a Party as a Senior Facility H Lender after the Fourth Amendment and Restatement Date in accordance with Clause 24 (Changes to the Lenders),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, which has not ceased to be a Party in accordance with the terms of this Agreement (and <b>Senior Facility H Lender</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.170<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Loan</b> means a Loan under Senior Facility H.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.171<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Outstandings</b> means at any time, in relation to a Senior Facility H Lender, the aggregate of all amounts of loan principal, accrued interest, Break Costs, prepayment penalties, fees and all other amounts outstanding in respect of Senior Facility H under the Finance Documents (including, without limitation, any claim for damages or restitution, any claim as a result of any recovery by an Obligor or another person of a payment or discharge under the Finance Documents on the grounds of preference, and each amount which would be included in any of the above but for any discharge, non-provability or unenforceability of a claim in any insolvency or other proceedings).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.172<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility Lenders</b> means the Senior Facility E Lenders, the Senior Facility G Lenders and the Senior Facility H Lenders (and <b>Senior Facility Lender</b>, as the context requires, means any of them).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.173<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility Outstandings</b> means the Senior Facility E Outstandings, the Senior Facility G Outstandings and the Senior Facility H Outstandings.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.174<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Loans</b> means the Senior Facility E Loans, the Senior Facility G Loans and the Senior Facility H Loans (and <b>Senior Loan</b>, as the context requires, means any of them).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.175<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Shareholder Contribution</b> means the aggregate amount 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 subscription price received by the Borrower in respect of shares subscribed for in the share capital of Borrower provided such share issue is a Permitted Share Issue under Clause 22.18.2(f) (Share capital); 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>the proceeds of loans advanced to the Borrower by Holdco where any Financial Indebtedness arising as a result is Permitted Financial Indebtedness under Clause 22.5 (Financial Indebtedness).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.176<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Signature Date</b> means the date on which, once this Agreement has been signed by all the Parties, it is signed by the last Party to do so, being 17 July, 2017.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.177<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Smart Life</b> means The Smart Life Insurance Company Limited (registration number 1965/003119/06), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.178<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>South Africa</b> means the Republic of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.179<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subordination Agreement</b> means the subordination agreement, dated on or about the Fourth Amendment and Restatement Date, between, amongst others, Holdco, the Borrower and the Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.180<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subsidiary</b> means in relation to any 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>a subsidiary as defined in the Companies Act (including 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any partnership, joint venture, trust, juristic person or other entity controlled by that person.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.181<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SmartSwitch Botswana</b> means SmartSwitch Botswana (Proprietary) Limited (registration number C0 2004/8272), a company registered under the laws of Botswana.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.182<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SmartSwitch Netherlands</b> means SmartSwitch Netherlands Holdings BV (registration number 76723178), a company registered under the laws of the Netherlands.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.183<font style="width: 46pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.184<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Third Amendment and Restatement Agreement</b> means the written agreement entitled "Third Amendment and Restatement Agreement", dated on or about 4 September, 2019, between, amongst others, the Borrower (as borrower), FirstRand Bank Limited (acting through its Rand Merchant Bank division) and Nedbank Limited (acting through its Corporate and Investment Banking division) (as lenders) and the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.185<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Third Amendment and Restatement Date</b> means "Effective Date" as defined in the Third Amendment and Restatement Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.186<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Commitments</b> means the aggregate of the following:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Total Senior Facility E Commitments;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Total Senior Facility G Commitments; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Total Senior Facility H Commitments.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.187<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Senior Facility E Commitments</b> means the aggregate of the Senior Facility E Commitments.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.188<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Senior Facility G Commitments</b> means the aggregate of the Senior Facility G Commitments.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.189<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Senior Facility H Commitments</b> means the aggregate of the Senior Facility H Commitments.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.190<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction Costs</b> means any non-recurring, once-off transaction costs (including legal, advisory and other professional fees and costs, front-end fees payable under the Finance Documents incurred by a member of the Lesaka Group in connection with the Acquisition within a period of twelve months from the Fourth Amendment and Restatement Date, limited to an aggregate maximum amount of R65,000,000.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.191<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction Security</b> means the Security created or expressed to be created for the benefit of the Finance Parties under this Agreement, together with such further Security as a Finance Party may from time to time be given for the obligations of an Obligor under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.192<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer</b> has the meaning given to it in Clause 24.1 (Cessions and delegations by the Lenders).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.193<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer Certificate</b> means a certificate substantially in the form set out in Schedule 3 (Form of Transfer Certificate) or otherwise in the agreed form.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.194<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer Date</b>, in relation to a Transfer, means the later of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the proposed Transfer Date specified in the Transfer Certificate; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which the Facility Agent executes the Transfer Certificate.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.195<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Treasury Transaction</b> means any derivative transaction entered into in connection with protection against or to benefit from fluctuations in any rate, price, index or credit rating.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.196<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Trigger Event </b>means Lesaka Market Price Discussion Trigger Event or Lesaka Market Price Trigger Event (each as defined in the Senior Facility H Agreement).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.197<font style="width: 46pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.198<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>US </b>and <b>United States</b> means the United States of America, its territories and possessions.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.199<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>USD</b>, <b>Dollars</b> or <b>$</b> means the United Stated Dollar, the lawful currency of the United States.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.200<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>US Bankruptcy Law</b> means the United States Bankruptcy Code of 1978 (Title 11 of the United States Code), any other United States federal or state bankruptcy, insolvency or similar law;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.201<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>US Guarantor</b> means a Guarantor that is organized, incorporated or formed under the laws of the United States or any State thereof (including the District of Columbia).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.202<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation</b> means a utilisation of a Senior Facility by way of a Loan.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.203<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Date</b> means the date of a Utilisation, being the date on which the relevant Loan is to be made.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.204<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Request</b>, in relation to any Facility, has the meaning given to that term in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.205<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VAT</b> means value added tax as provided for in the Value Added Tax Act, 1991, and any other Tax of a similar nature in a jurisdiction other than South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.206<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Fund</b> means Value Capital Partners H4 QI Hedge Fund Portfolio.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.207<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Portfolios</b> means Sentinel Retirement Fund, the Standard Bank Group Retirement Fund, FirstRand Group Retirement Fund, Eskom Pension and Provident Fund and Telkom Retirement Fund and such similar funds that VCP Investment Manager may manage from time to time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.208<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Event</b> means the termination of the VCP Investment Management Agreement pursuant to clause 22 thereof.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.209<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Manager</b> means Value Capital Partners Proprietary Limited (registration number 2016/242305/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.210<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Manco</b> means H4 Collective Investments (RF) Proprietary Limited (registration number 2002/009140/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.211<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Management Agreement</b> means the investment management agreement dated 17 February, 2020 between H4 Collective Investments (RF) Proprietary Limited, acting on behalf of the H4 Qualified Investor Fund Scheme, in relation to the Value Capital Partners H4 QI Hedge Fund Portfolio and Value Capital Partners Proprietary Limited.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.212<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Step-in Rights Letter</b> means the step-in rights letter to be entered into between, among others, VCP Investment Manager for itself and in its capacity as manager of the VCP Investment Fund, the Borrower and the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.213<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Undertaking</b> means the undertaking given by the VCP Investment Manager that it will procure that the VCP Investment Fund and/or VCP Investment Portfolios subscribe for shares to be issued by Holdco with a value of the USD equivalent of R350,000,000 on the terms and conditions set out in the agreement entitled "Securities Purchase Agreement" entered into between Holdco, the Borrower and VCP Investment Manager on or about Fourth Amendment and Restatement Agreement Signature Date.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.214<font style="width: 46pt; 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.2<font style="width: 39pt; 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 the following terms have the meanings set out below:</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Covenant Equity Value</b>, at any time, means the sum of:</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 value of the Net1 Universal Electronic Technological Solutions business division of the Borrower, determined by multiplying the Adjusted EBITDA of Net1 Universal Electronic Technological Solutions business division of the Borrower by 6 (being the valuation multiple);</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 value of the Prism Shares, determined by multiplying the Adjusted EBITDA of Prism by 6 (being the valuation multiple);</p>
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    <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 value of the Finbond Shares, determined by multiplying the number of Finbond Shares by the Finbond VWAP and multiplying the result by 0.85 (being the liquidity discount);</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 value of the CCMS Shares, determined by multiplying the Adjusted EBITDA of CCMS by 10 (being the valuation multiple) and deducting the Net Debt of CCMS (the <b>CCMS Equity Value</b>);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 14.56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the value of the K2021 Shares, determined by multiplying the Adjusted EBITDA of K2021 by 10 (being the valuation multiple) and deducting the Net Debt of K2021 (the <b>K2021 Equity Value</b>);</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 value of the Mobikwik Shares, determined, if Mobikwik has been listed by multiplying the number of Mobikwik Shares by the Mobikwik VWAP and, if Mobikwik has not been listed by multiplying the number of Mobikwik Shares by the price per share at the last equity raise;</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>90 per cent. of the book value of the Moneyline receivables;</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>the amount of cash held in any bank account which is subject to a first-ranking Security Interest in favour of the Debt Guarantor,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">provided that, in determining the Covenant Equity Value, the value of the aggregate of the CCMS Equity Value and the K2021 Equity Value must be at least 50 per cent of the Covenant Equity Value.&#160; To the extent that the value of the aggregate of the CCMS Equity Value and the K2021 Equity Value is not at least 50 per cent of the Covenant Equity Value, the Covenant Equity Value will be reduced so that the aggregate of the CCMS Equity Value and the K2021 Equity Value is 50 per cent of the Covenant Equity Value.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash</b> means an amount of cash in hand (denominated in Rand or any other currency approved by the Facility Agent), or credit balances or amounts on deposit with an Acceptable Bank in South Africa to which a member of the Lesaka Group is alone (or together with other members of the Lesaka Group) beneficially entitled if:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cash is accessible and may be withdrawn in full by a member of the Lesaka Group within 30 days;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>access to and withdrawal of the cash is not contingent on the prior discharge of any indebtedness of any person or the satisfaction of any other condition;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Security exists over the cash or over claims in respect thereof (other than Security arising under the Security Documents); and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cash is freely and (except as mentioned in paragraph (a) above) immediately available to be applied in repayment or prepayment of the Senior Facilities,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">but excluding (A) any such cash in hand or credit balances or amounts on deposit held at Grindrod Bank Limited if, at any applicable time, the aggregate amount of such credit balances, amounts on deposit or certificates of deposit contemplated in Clause 1.2.5(a) issued by Grindrod Bank Limited exceeds R200,000,000 (or its equivalent in any other currency), and (B) any such cash in hand or credit balances or amounts on deposit at any applicable time relating to Settlement Assets of members of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Equivalents</b> means, at any time:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>certificates of deposit maturing within 90 days after the relevant date of calculation, issued by an Acceptable Bank in South Africa;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>investments accessible and which can be monetised within 90 days in a South African money market collective investment scheme which:</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>has an international credit rating of A-1 or higher by Standard &amp; Poor's Ratings Services or P-1 or higher by Moody's Investor Services Limited, or a comparable rating from an internationally recognised credit rating agency;</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(ii)<font style="width: 13.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>invests substantially all its assets in securities of the type described in paragraph (a) above; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other debt security expressly approved by the Facility Agent,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, denominated in Rand or another currency approved by the Facility Agent, and to which any member of the Lesaka Group is alone (or together with other members of the Lesaka Group) beneficially entitled at that time and which is not issued or guaranteed by any member of the Lesaka Group or subject to any Security (other than Security arising under the Security Documents) but excluding any certificates of deposit contemplated in Clause 1.2.5(a) issued by Grindrod Bank Limited if, at any applicable time, the aggregate amount of such certificates of deposit and any cash in hand or credit balances or amounts on deposit contemplated in Clause 1.2.4 held at Grindrod Bank Limited exceeds R200,000,000 (or its equivalent in any other currency);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CCMS Intercompany Loan</b> means the R350,000,000 intercompany loan between CCMS (as lender) and the Borrower (as borrower).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Consolidated EBITDA</b>, in relation to any Measurement Period, means the aggregate of the consolidated operating income of the Lesaka Group (including dividends received in Cash), in each case, for that period, without taking any account of the following items (without double counting):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>Interest accrued</u> as an obligation of any member of the Lesaka Group, whether or not paid, deferred or capitalised during that period;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>amount of Tax</u> on profits, gains or income paid or payable by members of the Lesaka Group and any amount of any rebate or credit in respect of Tax on profits, gains or income received or receivable by members of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>depreciation or amortisation</u> whatsoever, and any charge for impairment or any reversal in that period of any previous impairment charge;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>loss against book value</u> incurred by a member of the Lesaka Group on the disposal of any asset (other than trading stock) during that period;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>gain over book value</u> arising in favour of a member of the Lesaka Group on the disposal of any asset (other than trading stock) during that period and any gain arising on any revaluation of an asset during that period;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>unrealised gains or losses</u> due to exchange rate movements which are reported through the income statement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>unrealised gains or losses</u> on any financial instrument (other than any financial instrument which is accounted for on a hedge accounting basis) which are reported through the income statement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of <u>profit or loss of any associate</u> entity (which is not a member of the Lesaka Group) in which any member of the Lesaka Group has an ownership interest, to the extent (in respect of profit only) that the amount of such profit reported through the income statement exceeds the amount (net of any applicable withholding tax) received in cash by members of the Lesaka Group through distributions by that entity; and</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <u>extraordinary and exceptional items</u> approved by the Facility Agent in writing before the applicable Measurement Date;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.8<font style="width: 56pt; 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 in force be treated as a balance sheet liability, save for any Operating Lease.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.9<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finbond VWAP</b>, on any day, means the volume weighted average price at which Finbond shares traded on the stock exchange operated by the JSE Limited during the 5-day period which ended at close of trade on the previous trading day;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.10<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>interest and amounts in the nature of interest accrued;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>prepayment penalties or premiums incurred in repaying or prepaying any Financial Indebtedness;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>discount fees and acceptance fees payable or deducted in respect of any Financial Indebtedness, including fees payable in respect of letters of credit and guarantees;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any net payment (or, if appropriate in the context, receipt) under any interest rate hedging agreement or instrument, taking into account any premiums payable;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any dividends on shares if those shares constitute Financial Indebtedness for purposes of this Agreement; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other payments and deductions of similar effect (including the finance cost element of Finance Leases),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and includes commitment and non-utilisation fees (including those payable under the Finance Documents), but excludes facility agent's and front-end, management, arrangement and participation fees with respect to any Financial Indebtedness (including those payable under the Finance Documents);</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.11<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Date</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>30 September, 2017; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>thereafter, the last day of March, June, September and December of each year;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.12<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.13<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mobikwik VWAP</b>, on any day, means the volume weighted average price at which Mobikwik shares traded on the stock exchange on which it is listed during the 5-day period which ended at close of trade on the previous trading day;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.14<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Nedbank ATM Facility Outstandings</b> means at any time, in relation to Nedbank, the aggregate of all amounts of loan principal, accrued interest, break costs, prepayment penalties, fees and all other amounts outstanding in respect of the ATM facility made available under the Nedbank Facility Agreement (including, without limitation, any claim for damages or restitution, any claim as a result of any recovery by an Obligor or another person of a payment or discharge of the ATM facility made available under the Nedbank Facility Agreement on the grounds of preference, and each amount which would be included in any of the above but for any discharge, non-provability or unenforceability of a claim in any insolvency or other proceedings);</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.15<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Nedbank Facility Agreement</b> means the agreement entered into between Nedbank Limited (as lender) and Net1 Applied Technologies South Africa Proprietary Limited (now known as Lesaka Technologies Proprietary Limited) and the Obligors (as borrowers) on or about 13 December 2013 and as amended by the first addendum entered into on or about 18 December 2013, the second addendum entered into on or about 30 July 2015 and the third addendum entered into on or about 18 September 2018 as amended or replaced from time to time;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.16<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Nedbank GBF Commitment</b> means, in relation to Nedbank Limited, its commitment in respect of the general banking facility set out in the Nedbank Facility Agreement, to the extent not cancelled, reduced or transferred by it under this Agreement or the Nedbank Facility Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.17<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Net Debt </b>means, in relation to a member of the Group, at any time (a) the aggregate of the Financial Indebtedness of that member of the Group less the aggregate amount of all Cash and Cash Equivalents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.18<font style="width: 51pt; 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 IFRS16 prior to 1 January, 2019 and solely as a result of changes to IFRS 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;">1.2.19<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Settlement Assets</b>, at any time, means the cash and other funds that are treated and referred to as "settlement assets" in the relevant quarterly financial statements and/or annual financial statements of Holdco at that time;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.20<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Settlement Obligations</b>, at any time, means the cash and other funds that are treated and referred to as "settlement obligations" in the relevant quarterly financial statements and/or annual financial statements of Holdco at that time.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Construction</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement, unless inconsistent with the context, any reference to:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any <b>Arranger</b>, the <b>Facility Agent</b>, any <b>Finance Party</b>, any <b>Lender</b>, any <b>Obligor</b>, any <b>Party</b> or any other person shall be construed so as to include its successors in title, permitted cessionaries and permitted transferees;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a document being in the <b>agreed form</b> means that the document is in a form previously agreed in writing by or on behalf of the Borrower and the Facility Agent or, if not so agreed, is in form and substance satisfactory to the Facility Agent;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>an <b>amendment</b> includes an amendment, supplement, novation, re-enactment, replacement, restatement or variation and <b>amend</b> will be construed accordingly;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>assets</b> includes businesses, undertakings, securities, properties, revenues or rights of every description and whether present or future, actual or contingent;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>an <b>authorisation</b> includes authorisation, consent, approval, resolution, licence, permit, exemption, filing, notarisation, lodgement or registration;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; 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>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>distribution</b> means a transfer by a company of money or other assets of the company (other than its own shares) to, or to the order (or otherwise for the benefit) of, one or more holders of shares in that company or another company within the same group of companies, including any principal or interest in respect of amounts due (whether in respect of an intercompany or a shareholder loan or otherwise); any dividend (including any interest on any unpaid amount of a dividend), charge, fee, consideration or other distribution (whether in cash or in kind) on or in respect of its shares or share capital (or any class of its share capital); any repayment or distribution of any share premium account; and the payment of any management, advisory or other fee;</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><b>fair value</b> of any property means the value agreed in writing between the Borrower and the Finance Parties or, failing agreement, the value determined by an independent accountant or investment bank agreed to by the Borrower and the Finance Parties (or, failing agreement within 5 Business Days, appointed, at the request of either the Borrower or the Finance Parties, by the President of the South African Institute of Chartered Accountants, or the successor body thereto), which independent accountant or investment bank shall act as an expert and not as an arbitrator, shall be instructed to make his determination within 10 Business Days and shall determine the liability for his charges (which shall be paid accordingly), provided that if a determination is manifestly unjust and a court exercises its general power, if any, to correct such determination, the Parties shall be bound thereby;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(j)<font style="width: 16.62pt; 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 that Finance Document or other agreement or instrument, including any amendment providing for any increase in the amount of a facility or any additional facility or replacement facility;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(k)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>guarantee</b> means (other than in Clause 18 (Guarantee and Indemnity) any guarantee, bond, letter of credit, indemnity or similar assurance against financial loss, or any obligation, direct or indirect, actual or contingent, to purchase or assume any indebtedness of any person or to make an investment in or loan to any person or to purchase assets of any person, where, in each case, that obligation is assumed in order to maintain or assist the ability of that person to meet any of its indebtedness;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(l)<font style="width: 16.62pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(m)<font style="width: 10.51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>know your customer requirements</b> are the identification checks that a Finance Party requests in order to meet its obligations under any applicable law or regulation to identify a person who is (or is to become) its customer;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(n)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>person</b> includes any individual, company, corporation, unincorporated association or body (including a partnership, trust, fund, joint venture or consortium), government, state, agency, organisation or other entity whether or not having separate legal personality;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(o)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>refinancing</b> means an unscheduled repayment of Loans and other amounts outstanding under the Finance Documents which is funded, directly or indirectly, by way of Financial Indebtedness incurred or shares issued by a member of the Lesaka Group, and <b>refinance</b> will be construed accordingly;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(p)<font style="width: 13.28pt; 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, inter-governmental or supranational body, agency, department or regulatory, self-regulatory or other authority;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(q)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a provision of law is a reference to that provision as extended, applied, amended or re-enacted, and includes any subordinate legislation;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(r)<font style="width: 15.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>one gender include a reference to the others; the singular includes the plural and <i>vice versa</i>; natural persons include juristic persons and vice versa; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(s)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>a time of day is a reference to Johannesburg time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Section, Clause and Schedule headings are for ease of reference only, and do not in any way affect the interpretation of a Finance Document.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.3<font style="width: 56pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.4<font style="width: 56pt; 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 within any applicable remedy period expressly provided for in a Finance Document or waived, and an Event of Default is <b>continuing</b> if it has not been waived.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.5<font style="width: 56pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A term defined in a particular Clause of a Finance Document, unless it is clear from the Clause in question that application of the term is to be limited to the relevant Clause, shall bear the meaning ascribed to it for all purposes of the relevant Finance Document, notwithstanding that that term has not been defined in any interpretation Clause.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Schedules to a 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.8<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless expressly otherwise provided in a Finance Document or inconsistent with the context, any number of days prescribed in a Finance Document must be calculated by including the first and excluding the last day, unless the day before that last day falls on a day that is not a Business Day, in which case, the day before that last day will instead be the next Business Day.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.9<font style="width: 56pt; 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>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.10<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.11<font style="width: 51pt; 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>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.12<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.3.13<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless the contrary intention appears:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a reference to a Party will not include any person if it has ceased to be a Party under this Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any obligation of an Obligor under the Finance Documents which is not a payment obligation remains in force for so long as any payment obligation of an Obligor is or may be or is capable of becoming outstanding under the Finance Documents; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any obligation of an Obligor under the Finance Documents includes an obligation on that Obligor not to contract or agree to do something or not to do something which would breach that first obligation, unless such contract or agreement is conditional on the approval of the Facility Agent (as required under any Finance Document).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Third party rights</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.4.1<font style="width: 56pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.4.2<font style="width: 56pt; 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.&#160;</p>
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    <p style="text-align: center;"><b>SECTION 2</b><br><b>THE SENIOR FACILITIES</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>THE SENIOR FACILITIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility E</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the Senior Facility E Agreement, the Senior Facility E Lenders make available to the Borrower a Rand-denominated overdraft facility in an aggregate amount equal to the Total Senior Facility E Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the Senior Facility G Agreement, the Senior Facility G Lenders make available to the Borrower a Rand-denominated bullet facility in an aggregate amount equal to the Total Senior Facility G Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the Senior Facility H Agreement, the Senior Facility H Lenders make available to the Borrower a Rand-denominated bullet facility in an aggregate amount equal to the Total Senior Facility H Commitments.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Parties' rights and obligations</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">2.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligations of each Finance Party under the Finance Documents are separate and independent.&#160; Failure by a Finance Party to perform its obligations under the Finance Documents does not affect the obligations of any other Party under the Finance Documents.&#160; No Finance Party is responsible for the obligations of any other Finance Party under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">2.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The rights of each Finance Party under or in connection with the Finance Documents are separate and independent rights and any debt arising under the Finance Documents to a Finance Party from an Obligor is a separate and independent debt in respect of which a Finance Party shall be entitled to enforce its rights in accordance with Clause 2.4.3. The rights of each Finance Party include any debt owing to that Finance Party under the Finance Documents and, for the avoidance of doubt, any part of a Loan or any other amount owed by an Obligor which relates to a Finance Party's participation in a Senior Facility or its role under a Finance Document (including any such amount payable to the Facility Agent on its behalf) is a debt owing to that Finance Party by that Obligor.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">2.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party may, except as otherwise stated in the Finance Documents, separately enforce its rights under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PURPOSE</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Purpose</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Senior Facility E for purposes of ordering cash to provide a cash float for the Lesaka Group's static automated teller machines and for no other purpose whatsoever.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Senior Facility G 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>fund the acquisition of the CCMS Target Companies;</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>fund the Transaction Costs incurred in respect of the acquisition of the CCMS Target Companies;</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>general corporate purposes,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and for no other purpose whatsoever.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Senior Facility H 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>fund the acquisition of the CCMS Target Companies;</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>fund the Transaction Costs incurred in respect of the acquisition of the CCMS Target Companies,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and for no other purpose whatsoever.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Monitoring</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Finance Party is bound to monitor or verify the application of any amount borrowed pursuant to this Agreement and a Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONDITIONS OF UTILISATION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">4.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Initial conditions precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">A Utilisation Request may not be given (and a Lender shall have no obligation to advance any Loan or provide any other form of credit or financial accommodation under any Senior Facility to any person) unless the Facility Agent has notified the Borrower that all the documents and other evidence listed in Part I of Schedule 2 (Conditions Precedent) have been received in form and substance satisfactory to the Lenders.&#160; The Facility Agent shall notify the Borrower as soon as reasonably practicable upon receiving confirmation of all the Lenders being so satisfied.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">4.2<font style="width: 39pt; 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, a Lender will only be obliged to participate in a Loan or other Utilisation under a Senior Facility if, in the reasonable opinion of that Lender, on the date of the Utilisation Request and on the proposed Utilisation Date:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">4.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Repeating Representations are correct in all material respects; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">4.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default is continuing or would result from the proposed Utilisation.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">4.3<font style="width: 39pt; 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;">Each condition precedent referred to in this Clause 4 is for the benefit solely of the Lenders.&#160; The Facility Agent (acting on the instructions of all the Lenders) 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 determine.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">4.4<font style="width: 39pt; 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 23h59 on the Longstop Date (or such later date as may be agreed by the Facility Agent, acting on the instructions of all the Lenders), the Total Commitments shall 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: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>UTILISATION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisations under a Senior Facility Agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, the Borrower may utilise a Senior Facility under a Senior Facility Agreement to which it is a party on the terms and conditions of the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">5.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Automatic cancellation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Commitments of each Lender under a Senior Facility which, at that time, are unutilised, shall automatically be cancelled immediately at 11h00 on the last day of the Availability Period for the relevant Senior Facility.</p>
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    <p style="text-align: center;"><b>SECTION 3</b><br><b>REPAYMENT, PREPAYMENT AND CANCELLATION</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPAYMENT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Subject to the terms of this Agreement, the Borrower shall repay all Loans made to it under a Senior Facility Agreement to which it is a party in full, in the amounts and on the dates specified in that Senior Facility Agreement, and otherwise in accordance with the terms of that Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">7.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PREPAYMENT AND CANCELLATION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment - illegality</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If it becomes unlawful in any applicable jurisdiction for a Lender to perform any of its obligations as contemplated by this Agreement, to maintain its participation in any Loan:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>that Lender shall notify the Facility Agent as soon as reasonably practicable upon becoming aware of that event;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon the Facility Agent notifying the Borrower, the Available Commitment of that Lender will be immediately cancelled;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower shall repay that Lender's participation in the Loans (together with all other Senior Facility Outstandings due to that Lender) on the last day of the Interest Period for each Loan occurring after the Facility Agent has notified the Borrower or, if earlier, the date specified by the Lender in the notice delivered to the Facility Agent (being no earlier than the last day of any applicable grace period permitted by law).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment - sanctions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any member of the Group (including, for this purpose, Smart Life):</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;</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;">each Obligor shall notify the Facility Agent promptly upon becoming aware of that event (unless that Obligor is aware that a notification has already been provided by another Obligor).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any event contemplated by Clause 7.2.1 occurs, the following shall apply:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon the Facility Agent receiving a notice from an Obligor under Clause 7.2.1 or a similar notice from any Finance Party, it shall notify the Lenders as soon as reasonably practicable;</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 Lender shall not be obliged to fund any Utilisation;</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 a Lender so requires, the Facility Agent shall cancel the Commitments of that Lender and declare the participation of that Lender in all outstanding Utilisations, together with all other Senior Facility Outstandings due to that Lender due and payable, whereupon the Commitments of that Lender will be cancelled immediately and all such outstanding amounts will become due and payable on the last day of the Interest Period for each Loan occurring after the Facility Agent has so notified the Borrower or, if earlier, the date specified by the Facility Agent in that notice (being no earlier than the last day of any applicable grace period permitted by law).</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment - change of control or transfer of business</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If, at any time:</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 Ball Family Trust (Masters reference number IT959/98(T)), the Benjamin Trust (Masters reference number IT000052/2018(G)) and the Chen Trust (Masters reference number IT1196/2011(G)) do not or cease to hold legally and beneficially, and have the right to vote as it sees fit, in aggregate at least 50.1 per cent. of the issued share capital of the VCP Investment Manager;</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 VCP Investment Fund and VCP Investment Portfolios, collectively do not, or cease to, hold, legally and beneficially, and have the right to vote as VCP Investment Manager sees fit 20.00 per cent. of the issued share capital of Holdco;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any VCP Event which is not remedied within any applicable period and as otherwise provided for in the VCP Investment Management Agreement (in its form on the Fourth Amendment and Restatement Date);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any person, or group of persons acting in concert, gains control, directly or indirectly, of Holdco;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the shares of common stock of Holdco are delisted from the NASDAQ Stock Market or the trade in those shares is suspended for more than five trading day (other than by reason of a general suspension of trading in securities by the NASDAQ Stock Market);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 16.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>the International Finance Corporation, an international organization established by articles of agreement among its member countries, including South Africa, (the IFC) gives notices of its intention to exercise its rights under the shareholders' agreement of Holdco to require Holdco to purchase any or all of the shares of common stock of Holdco held by the IFC;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>subject to Clause 7.3.2, Holdco does not, or ceases to, hold, legally and beneficially, and have the right to vote as it sees fit 100 per cent. of the issued share capital of the Borrower, SmartSwitch Netherlands and Net1 Applied Technologies Netherlands;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>subject to Clause 7.3.2, the Borrower does not, or ceases to, hold, legally and beneficially, and have the right to vote as it sees fit, directly or indirectly, 100 per cent. of the issued share capital of each other Obligor (other than Holdco, SmartSwitch Netherlands and Net1 Applied Technologies Netherlands);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Material Contract is terminated, suspended or not renewed; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(j)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>there is one or more sales (whether in a single transaction or a series of related transactions) of assets of one or more members of the Lesaka Group associated with any operating division or business which, on a cumulative basis, contributed (directly or indirectly) more than 25.00 per cent. of Consolidated EBITDA or total assets of the Lesaka Group for the Measurement Period of the Lesaka Group most recently ended,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">(each a <b>Control Event</b>) the Borrower shall promptly notify the Facility Agent upon becoming aware of that Control Event, and the following shall apply:</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Lender shall not be obliged to fund any Utilisation; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(ii)<font style="width: 13.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>if a Lender so requires, the Facility Agent shall, by notice to the Borrower, cancel the Commitments of that Lender and declare the participation of that Lender in all outstanding Utilisations, together with all other Senior Facility Outstandings due to that Lender immediately due and payable, whereupon the Commitments of that Lender will be cancelled immediately and all such outstanding Utilisations will become immediately due and payable.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Control Event shall not occur:</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 relation to Clause 7.3.1(g) where Holdco's shareholding, or the percentage of shares it is entitled to vote, reduces, directly or indirectly, by a maximum amount of 25.00 per cent. pursuant to a Permitted BEE Transaction; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to Clause 7.3.1(h) where the Borrower's shareholding, or the percentage of shares it is entitled to vote, reduces, directly or indirectly, by a maximum amount of 25.00 per cent. pursuant to a Permitted BEE Transaction.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.3.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>For purposes of this Clause:</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>control</b>, in relation to any company or similar organisation or person:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 15.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the shares of which are not listed on a stock exchange, means another company or legal entity or person (whether alone or pursuant to an agreement with others):</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>holds or controls more than 50 per cent. of the voting rights (taking into account when such voting rights can be exercised) in that company;</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>has the power (whether by way of ownership of shares, proxy, contract, agency or otherwise) to appoint or remove the majority of that company's board of directors; or</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(C)<font style="width: 12.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>has the power to ensure the majority of that company's board of directors will act in accordance with its wishes; and</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 shares of which are listed on a stock exchange, means:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the holding of shares or the aggregate of holdings of shares or other securities in a company entitling the holder thereof to exercise, or cause to be exercised more than 50 per cent. of the voting rights at shareholder meetings of the company irrespective of whether such holding or holdings confers <i>de facto</i> control; or</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>the holding or control by a shareholder or member alone or pursuant to an agreement with other shareholders or members of more than 50 per cent. of the voting rights in the company irrespective of whether such holding or holdings confers <i>de facto</i> control; 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><b>acting in concert</b> means a group of persons who, pursuant to an agreement or undertaking (whether formal or informal) actively co-operate, through the acquisition of shares in the Borrower by any of them, either directly or indirectly, to obtain or consolidate control of the Borrower.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment - material disposal and insurance proceeds</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Disposal Proceeds</b> means the gross amount of consideration receivable by any member of the Lesaka Group (but in the case of the proceeds from the disposal of Bank Frick, when actually received), in cash or cash equivalent instruments which upon receipt are readily convertible into Cash on reasonable commercial terms pursuant to a disposal of assets:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>including the amount of any intercompany loan repaid by a person who ceases to be a member of the Lesaka Group to continuing members of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>treating any amount owing by any purchaser of assets as consideration received in cash if such amount is payable in cash later than 6 Months after such disposal or, if such amount is payable in cash within 6 Months of such disposal, such cash will be taken into consideration on the date of receipt by the member of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>treating any amount set off by any purchaser of assets as consideration received in cash;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>treating consideration initially received in a form other than cash or such other cash instruments, as being received when and if that consideration is converted into cash or such other cash instruments or becomes readily so convertible on reasonable commercial terms;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>after deducting Taxes (and amounts reserved in respect of Taxes) paid or payable by members of the Lesaka Group as a result of that disposal of assets; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 16.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>after deducting the properly evidenced costs and expenses incurred by members of the Lesaka Group to persons who are not members of the Lesaka Group directly in connection with that disposal of assets, including, in respect of the redundancy of employees or the relocation of employees which occurs as a result of that disposal of up to R80,000,000 during the term of this Agreement;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Excluded Disposal Proceeds</b> means any Disposal Proceeds which the Facility Agent agrees in writing comprises Excluded Disposal Proceeds;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Excluded Insurance Proceeds</b> means Insurance Proceeds received by a member of the Lesaka Group:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>which are received under the policy of insurance taken out by the Borrower with Senate Transit Underwriters Managers Proprietary Limited on or about the Second Amendment and Restatement Date;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>which are, or are to be, applied to meet a third party liability claim or to cover operating losses (including business interruption, interruption loss or other loss of revenue) in respect of which the relevant Insurance claim was made;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>which, to the extent that, under the authority of a resolution of the directors of the relevant member of the Lesaka Group, adopted and passed within 60 days of receipt of those Disposal Proceeds, are applied or contractually committed to be applied (and are then so applied) as soon as reasonably practicable and in any event within 90 days of the date of receipt (or such longer period as the Facility Agent may agree), in reinstating or replacing (on a like for like basis) any asset, or in defraying the loss or liability to which the claim relates; or</p>
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    <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>which are in an amount per claim which is less than ZAR10,000,000 and, when taken together with the value of any other claims in the same financial year, are less than R20,000,000;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Insurance Proceeds</b> means the proceeds of a claim under any contract of Insurance maintained by or which may be claimed by a member of the Lesaka Group, after deducting the reasonable, properly evidenced costs and expenses incurred by members of the Lesaka Group to persons who are not members of the Lesaka Group directly in connection with the recovery of that claim;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Material Disposal Proceeds</b> means Disposal Proceeds other than Excluded Disposal Proceeds;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Material Insurance Proceeds</b> means Insurance Proceeds other than Excluded Insurance Proceeds; and</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Recovered Net Proceeds</b> means Material Disposal Proceeds or Material Insurance Proceeds, as applicable.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must notify the Facility Agent within 10 Business Days of the receipt of any Disposal Proceeds or Insurance Proceeds by a member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a member of the Lesaka Group receives any Recovered Net Proceeds, the Borrower shall offer to prepay Utilisations and other Senior Facility Outstandings in an amount equal to the balance of those Recovered Net Proceeds, and procure that the Recovered Net Proceeds are applied to discharge any payments required to be made as a result of an acceptance of any such offer, all in accordance with the requirements of Clause 8 (Prepayment Offers and Priorities).&#160; If a Finance Party rejects such offer, any Trigger Event occurring as a result will be deemed to have been waived.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.5<font style="width: 39pt; 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;">7.5.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the provisions of this Clause below, the Borrower may, by giving not less than 10 Business Days' prior notice to the Facility Agent, prepay a Senior Loan or other amount utilised under a Senior Facility at any time, in whole or in part.&#160; A prepayment of part of a Senior Loan must be in a minimum amount of R20,000,000 and an integral multiple of R5,000,000 or such lesser amount as may be outstanding under the Finance Documents (or such other amount as may be agreed by the Facility Agent).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.5.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may not make a voluntary prepayment (or procure the prepayment of) any Loan or other Facility Outstandings under a Senior Facility, unless it is a prepayment made from internally generated cash flows of the Lesaka Group and, for the purposes of this Clause, <b>internally generated cash flows</b> excludes any Financial Indebtedness raised by a member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary cancellation</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.6.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may, by giving the Facility Agent not less than 10 Business Days' prior notice (or such shorter period as the Facility Agent may agree) cancel an Available Facility, in whole or in part.&#160; A partial cancellation of any of an Available Facility must be in a minimum amount of ZAR20,000,000.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.6.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any partial cancellation of an Available Facility under this Clause must be applied against the Commitment of each Lender under the relevant Senior Facility <i>pro rata</i>.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cancellation and prepayment of a single Lender on a change of costs</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.7.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any sum payable to any Lender by an Obligor is required to be increased under Clause 13.2 (Tax gross-up); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Lender claims indemnification from the Borrower under Clause 13.3 (Tax indemnity) or Clause 14 (Changes in Costs),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Borrower may, whilst the circumstance giving rise to the requirement for that increase or indemnification continues, and provided no Default is then continuing, give the Facility Agent notice of cancellation of the Commitment of that Lender and its intention to procure the repayment of that Lender's participation in the Utilisations.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.7.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>On receipt of a notice of cancellation referred to in Clause 7.7.1, the Commitment of that Lender shall immediately be cancelled and reduced to zero.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.7.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the last day of each Interest Period in relation to a Utilisation which ends after the Borrower has given notice of cancellation and/or repayment under Clause 7.7.1 (or, if earlier, the date specified by the Borrower in that notice), the Borrower shall repay that Lender's participation in the relevant Utilisation together with all other Senior Facility Outstandings owed to that Lender under the relevant Facilities.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.8<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Re-borrowing and reinstatement</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.8.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless otherwise provided, no amount of a Utilisation paid, repaid or prepaid under this Agreement or a Senior Facility Agreement may be re-borrowed under that Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.8.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of the Total Commitments cancelled under this Agreement or a Senior Facility Agreement may be reinstated.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.9<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Application of partial prepayments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any amount to be applied in prepayment of Utilisations and other Senior Facility Outstandings under this Agreement or a Senior Facility Agreement:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.9.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>shall, in relation to any mandatory prepayment pursuant to this Clause 7, be applied in or towards discharging the Utilisation and other Senior Facility Outstandings under the Facilities <i>pro rata</i>;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.9.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of a particular Senior Facility, shall be applied in or towards discharging the participation of Lenders in any Utilisation and other Senior Facility Outstandings under that Senior Facility <i>pro rata</i>;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.9.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of Senior Facility E, will be applied against the any amount in respect of Senior Facility E, if any, that remains outstanding under that Senior Facility <i>pro rata;</i></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.9.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of Senior Facility G, will be applied against the any amount in respect of Senior Facility G, if any, that remains outstanding under that Senior Facility <i>pro rata</i>;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.9.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of Senior Facility H, will be applied against the any amount in respect of Senior Facility H, if any, that remains outstanding under that Senior Facility <i>pro rata</i>,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">except, in respect of Clause 7.9.1, for a prepayment which is required to be made to a particular Lender under this Clause 7 or under Clause 8 (Prepayment Offers and Priorities).</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.10<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other provisions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.10.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If all or part of any Lender's participation in a Loan is repaid or prepaid and is not available for redrawing, an amount of that Lender's commitments (equal to the amount of the participation which is repaid or prepaid) will be deemed to be cancelled on the date of repayment or prepayment.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.10.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent receives any notice of prepayment or cancellation under this Clause 7 or a Senior Facility Agreement, it shall forward a copy of that notice as soon as reasonably practicable to either the Borrower or the affected Finance Parties, as appropriate.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.10.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any notice of prepayment or cancellation given by a Party under this Clause 7 or a Senior Facility Agreement shall be irrevocable and, unless a contrary indication appears in a Finance Document, 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;">7.10.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly otherwise provided in this Clause 7 or a Senior Facility Agreement, any prepayment shall be made together with accrued interest on the amount prepaid, without premium or penalty except for any Break Costs which arise as a result of such prepayment or as may be otherwise provided in the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.10.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall not pay, repay or prepay all or any part of the Utilisations or cancel all or any part of the Commitments except at the times and in the manner expressly provided for in this Agreement and the applicable Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.10.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may agree a shorter notice period for a voluntary prepayment or a voluntary cancellation under a Senior Facility.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">8.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PREPAYMENT OFFERS AND PRIORITIES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The provisions of this Clause 8 shall apply to all amounts that are required to be applied in or towards the prepayment of Utilisations and other Senior Facility Outstandings pursuant to Clauses 7.4 (Mandatory prepayment - material disposal and insurance proceeds) and Clause 22.19&#160; (Distributions).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Initial Prepayment Offers</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a member of the Lesaka Group receives any amount of Recovered Net Proceeds or any Shareholder Contributions (in each case, the <b>Distributable Balance</b>), the Borrower, by way of a notice (an <b>Initial Offer Notice</b>) delivered to the Facility Agent no later than 10 Business Days after receipt of those Recovered Net Proceeds, as the case may be, shall offer (an <b>Initial Prepayment Offer</b>) to pay and discharge the participation of each Lender in Utilisations and other Senior Facility Outstandings that remain outstanding under the Senior Facilities as follows:</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>provided no Event of Default has occurred and is continuing, all and any offer made by the Borrower pursuant to Clause 7.4.3 and any Shareholder Contributions (other than any Shareholder Contribution arising as a result of a Lesaka Market Price Trigger Event) must be in the following order of priority:</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><b>firstly</b>, in or towards discharging the Utilisations and other Senior Facility G Outstandings under Senior Facility G;</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><b>secondly</b>, in or towards discharging the Utilisations and other Senior Facility H Outstandings under Senior Facility H;</p>
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    <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><b>thirdly</b>, in or towards discharging the Utilisations and other Senior Facility E Outstandings under Senior Facility E;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>fourthly</b>, apply the balance in or towards discharging the Utilisations and any other Facility Outstandings under the Senior Facilities;</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 and any offer made by the Borrower in respect of any Shareholder Contribution arising as a result of a Lesaka Market Price Trigger Event must be offered in or towards discharging the Utilisations and other Senior Facility H Outstandings under Senior Facility H;</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>upon the occurrence of an Event of Default and is continuing, all and any offer made by the Borrower pursuant to pursuant to Clause 7.4.3 and any Shareholder Contributions (other than any Shareholder Contribution arising as a result of a Lesaka Market Price Trigger Event) shall be offered in the order of priority set out below:</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><b>firstly</b>, in or towards payment of any accrued interest due but unpaid under the Finance Documents; and</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><b>secondly</b>, in or towards discharging the Utilisations and other Senior Facility Outstandings under the Senior Facilities <i>pro rata,</i></p>
    <p style="margin-left: 76.55pt; text-align: justify;">(in respect of each such Lender, its <b>Distributable Share.</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acceptances and Additional Prepayment Offers</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Lender wishes to accept an Initial Prepayment Offer or any part thereof, it must advise the Facility Agent of its acceptance and provide to it the following details:</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 its available Distributable Share which it requires to be paid to it (an <b>Accepted Prepayment Amount</b>); 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>the maximum amount (the <b>Additional Acceptances Limit</b>) of any additional part of the Distributable Balance it would be prepared to accept (if any) in or towards payment and discharge of its participation in Utilisations and other Senior Facility Outstandings that remain outstanding under a Senior Facility in circumstances where one or more Lenders were to decline the applicable Initial Prepayment Offers made to them,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">by way of a notice delivered to the Facility Agent no later than 5 Business Days after receipt of any applicable Initial Offer Notice (each such Lender which accepts any applicable Initial Prepayment Offer for the amount of its Distributable Share or any part thereof, being a <b>Participating Lender</b>).&#160; If a Lender fails to advise the Facility Agent of its acceptance of an Initial Prepayment Offer, as required under this paragraph, then it shall be deemed to have accepted the Initial Prepayment Offer in full.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent will advise the Borrower and the Lenders, by way of a notice (an <b>Acceptances Confirmation</b>) delivered to each of them within 2 Business Days following expiry of the 5 Business Day period within which any applicable Initial Prepayment Offers may be accepted, of the following:</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 Initial Prepayment Offers accepted (including offers that are deemed to have been accepted) and declined and the aggregate amount of Distributable Shares for which Initial Prepayment Offers have been declined (the <b>Declined Balance</b>); 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>in relation to each Participating Lender, that portion of the Declined Balance allocable to it (the <b>Additional Prepayment Amount</b>), being its Pro Rata Share (and for purposes of determining its Pro Rata Share it is assumed that the Senior Facility Outstandings of the Lenders declining the Initial Prepayment Offer are nil) of the Declined Balance limited to its Additional Acceptances Limit.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Upon delivery of an Acceptances Confirmation:</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 Borrower will be irrevocably deemed to have offered (the <b>Additional Prepayment Offer</b>) to pay and discharge to each Participating Lender (in addition to amounts accepted by it pursuant to Clause 8.2.1) its participation in Utilisations and other Senior Facility Outstandings that remain outstanding; 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>each Participating Lender will be deemed to have accepted the Additional Prepayment Offer,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, for an amount equal to the Additional Prepayment Amount of each such Lender.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Following a receipt of Recovered Net Proceeds and delivery of an Acceptances Confirmation to the Borrower, the Borrower shall pay to the Facility Agent, for the account of each Participating Lender, the Accepted Prepayment Amount and the Additional Prepayment Amount (if any) of that Participating Lender, in full:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>on the Interest Payment Date immediately following expiry of the 120 day period referred to in the definition of Excluded Disposal Proceeds and Excluded Insurance Proceeds (as applicable) in Clause 7.4 (Mandatory prepayment - material disposal and insurance proceeds) if the relevant Disposal Proceeds or Insurance Proceeds have not been applied within that 120-day period; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>if a Default is continuing, no later than the first Business Day following the date on which the Facility Agent delivers an Acceptances Confirmation to the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Remaining amount of Distributable Balance</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If, after having implemented the provisions of Clauses 8.1 and 8.2, the full amount of any Distributable Balance offered to Lenders is not required to be applied in or towards the payment, repayment or prepayment of Utilisation and other Senior Facility Outstandings, any remaining balance (or any part thereof) may be retained in the Lesaka Group and used for the general operations of the members of the Lesaka Group.</p>
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    <p style="text-align: center;"><b>SECTION 4</b><br><b>COSTS OF UTILISATION</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">9.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INTEREST AND INTEREST PERIODS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Calculation, accrual and payment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">All interest on a Loan made to the Borrower under a Senior Facility Agreement shall be calculated, accrue and be paid by the Borrower for the account of the Lenders under the relevant Senior Facility in accordance with the terms of that Senior Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Periods</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Interest Periods which apply to a Loan made to the Borrower under a Senior Facility Agreement shall be governed by the terms of that Senior Facility Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Pricing flex</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Economic Failure occurs or any change otherwise occurs in the domestic or international financial markets which affects the manner or the cost at which a Lender (the <b>Affected Lender</b>) is to fund its participation in a Senior Facility E Loan, a Senior Facility G Loan or a Senior Facility H Loan, then the rate of interest on each Lender's share of that Senior Facility E Loan, that Senior Facility G Loan or that Senior Facility H Loan shall, by notice from the Facility Agent to the Borrower (before the first Utilisation Date under Senior Facility E, Senior Facility G or Senior Facility H, as applicable), be increased by the amount necessary to ensure that, after such increase, the rate of return earned under the Senior Facility E, the Senior Facility G, the Senior Facility H or on the Affected Lender's (or its Affiliate's) overall capital will be the rate that it would have been earned, had that change not occurred.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">10.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE CALCULATION OF INTEREST</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">10.1<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Absence of quotations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to Clause 10.2, if JIBAR is to be determined by reference to the Reference Banks but a Reference Bank does not supply a quotation by 12h00 on the Quotation Day, JIBAR shall be determined on the basis of the quotations provided by the remaining Reference Banks.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">10.2<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Market disruption</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">10.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Market Disruption Event occurs in relation to a Loan for any Interest Period, then the Facility Agent shall advise the Borrower and the rate of interest on each Lender's share of that Loan for the Interest Period shall be the percentage rate per annum which is the sum of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Margin; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the highest of the rates notified to the Facility Agent by the relevant Lender as soon as practicable and in any event before interest is due to be paid in respect of that Interest Period, to be that which expresses as a percentage rate per annum the cost to that Lender of funding its participation in that Loan from whatever source(s) it may reasonably select.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">10.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement <b>Market Disruption Event</b> means:</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>at or about noon on the Quotation Day for the relevant Interest Period the Screen Rate is not available and none or only one of the Reference Banks supplies a rate to the Facility Agent to determine JIBAR for the relevant Interest Period; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>before close of business in Johannesburg on the Quotation Day for the relevant Interest Period, the Facility Agent receives notifications from one or more Lenders whose aggregate participations in the Senior Loans exceed 20.00 per cent. of aggregate principal amount of Loans outstanding under the Senior Facilities that:</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(i)<font style="width: 15.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cost to them of funding their participation in that Loan from whatever source they may reasonably select would be in excess of JIBAR;</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(ii)<font style="width: 12.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cost to it or them of obtaining matching deposits in the Johannesburg interbank market would be in excess of JIBAR for the relevant Interest Period; or</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(iii)<font style="width: 10.72pt; text-indent: 0pt; display: inline-block;">&#160;</font>matching deposits will not be available to them in the Johannesburg interbank market in the ordinary course of business to fund their participation in that Loan for the relevant Interest Period.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">10.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Alternative basis of interest or funding</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">10.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to the generality of Clause 10.2, if a Market Disruption Event occurs and the Facility Agent or the Borrower so requires, the Facility Agent and the Borrower shall enter into negotiations (for a period of not more than 30 days, or such longer period as the Facility Agent may agree) with a view to agreeing a substitute basis for determining the rate of interest.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">10.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any alternative basis agreed pursuant to Clause 10.3.1 shall, with the prior consent of all the Lenders and the Borrower, be binding on all Parties.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">11.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>BREAK COSTS AND BREAK GAINS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">11.1<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall, within three Business Days of demand by a Finance Party, pay to that Finance Party its Break Costs attributable to all or any part of a Loan or Unpaid Sum being repaid or prepaid on a day other than the last day of an Interest Period for that Loan or Unpaid Sum.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">11.2<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the condition that no Default is then continuing, a Senior Facility Lender shall, within 10 Business Days of demand by the Borrower, pay to the Borrower the amount of any Break Gain attributable to all or any part of the participation of that Senior Facility Lender in a Loan being repaid or prepaid on a day other than the last day of an Interest Period for that Loan.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">11.3<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Lender shall provide a certificate confirming the amount of its Break Costs or Break Gains (as applicable) for any Interest Period in which they accrue.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">12.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FEES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">12.1<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-refundable Deal Origination Fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay to each Arranger a non-refundable deal origination fee in the amount and at the times agreed in a Fee Letter.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">12.2<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment Fees</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay to each Lender a commitment fee in the amount and at the times agreed in a Fee Letter.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">12.3<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Agent Fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay to the Facility Agent (for its own account) an agency fee in the amount and at the times agreed in a Fee Letter.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.4<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Guarantor administration fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Company shall pay to the Debt Guarantor an administration fee in the amounts and at the times agreed in a letter addressed by the Owner Trust Trustee to the Company dated on or about 23 July, 2019, as that letter may be amended or replaced from time to time with the prior consent of the Company and the Facility Agent.</p>
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    <p style="text-align: center;"><b>SECTION 5</b><br><b>ADDITIONAL PAYMENT OBLIGATIONS</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">13.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>TAX GROSS-UP AND INDEMNITIES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Definitions</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Protected Party</b> means a Finance Party which is or will be subject to any liability, or required to make any payment, for or on account of Tax in relation to a sum received or receivable (or any sum deemed for the purposes of Tax to be received or receivable) under a Finance Document;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Tax Credit</b> means a credit against, relief or remission for, or repayment of any Tax;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><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: 76.55pt; text-align: justify;"><b>Tax Payment</b> means either the increase in a payment made by an Obligor to a Finance Party under Clause 13.2 or a payment under Clause 13.3.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, in this Clause 13 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax gross-up</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.2.1<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall promptly upon becoming aware that an Obligor must make a Tax Deduction (or that there is any change in the rate or the basis of a Tax Deduction) notify the Facility Agent accordingly.&#160; Similarly, a Lender shall notify the Facility Agent, as soon as reasonably practicable, on becoming so aware in respect of a payment payable to that Lender.&#160; If the Facility Agent receives such notification from a Lender it shall notify the Borrower and that Obligor.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.2.3<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.2.4<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.2.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Within thirty days of making either a Tax Deduction or any payment required in connection with that Tax Deduction, the Obligor making that Tax Deduction shall deliver to the Facility Agent for the Finance Party entitled to the payment evidence reasonably satisfactory to that Finance Party that the Tax Deduction has been made or (as applicable) any appropriate payment paid to the relevant taxing authority.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax indemnity</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (within three Business Days of demand by the Facility Agent) indemnify each Protected Party against, and shall pay to a Protected Party an amount equal to the loss, liability or cost which that Protected Party determines will be or has been (directly) suffered for or on account of Tax by that Protected Party in respect of a Finance Document.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 13.3.1 shall not apply:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with respect to any Tax assessed on a Finance Party: (A) under the law of the jurisdiction in which that Finance Party is incorporated or, if different, the jurisdiction (or jurisdictions) in which that Finance Party is treated as resident for tax purposes or (B) under the law of the jurisdiction in which that Finance Party's facility office is located in respect of amounts received or receivable in that jurisdiction, 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 that Finance Party;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to the extent a loss, liability or cost is compensated for by an increased payment under Clause 13.2 (Tax gross-up) or relates to a FATCA Deduction required to be made by a Party.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Protected Party making, or intending to make a claim under Clause 13.3.1, shall notify the Facility Agent as soon as reasonably practicable of the event which will give, or has given, rise to the claim, following which the Facility Agent shall notify the Borrower or relevant Obligor of such claim.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.3.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Protected Party shall, on receiving a payment from an Obligor under this Clause 13.3, notify the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Credit</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to Clause 29 (Conduct of Business by the Finance Parties), if an Obligor makes a Tax Payment and the relevant Finance Party determines that:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.4.1<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>that Finance Party has obtained, utilised and retained that Tax Credit,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">the Finance Party shall pay an amount to the Obligor, as soon as reasonably practicable, which that Finance Party 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 the Obligor.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.5<font style="width: 33pt; 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 (within three Business Days of demand) indemnify each Finance Party against, and shall pay to the relevant Finance Party, any cost, loss or liability that the relevant Finance Party incurs in relation to all stamp duty, registration and other similar Taxes payable in respect of any Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">13.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Value added tax</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All amounts set out or expressed to be payable under a Finance Document by any Party to a Finance Party 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, subject to Clause 13.6.2, if VAT is or becomes chargeable on any supply made by any Finance Party to any Party under a Finance Document, that Party shall pay to the Finance Party (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 such Finance Party shall provide an appropriate VAT invoice to such Party as soon as reasonably practicable).</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If VAT is or becomes chargeable on any supply made by any Finance Party (the <b>Supplier</b>) to any other Finance Party (the <b>Recipient</b>) under a Finance Document, and any Party other than the Recipient (the <b>Subject Party</b>) is required by the terms of any Finance Document to pay an amount equal to the consideration for such supply to the Supplier (rather than being required to reimburse the Recipient in respect of that consideration), such Party shall also pay to the Supplier (in addition to and at the same time as paying such amount) an amount equal to the amount of such VAT.&#160; The Recipient will promptly pay to the Subject Party an amount equal to any credit or repayment obtained by the Recipient from the relevant tax authority which the Recipient reasonably determines is in respect of such VAT.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">13.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where a Finance Document requires any Party to reimburse or indemnify a Finance Party for any costs or expenses, that Party shall reimburse or indemnify (as the case may be) such Finance Party for the full amount of such cost or expense, including such part thereof as represents VAT, save to the extent that such Finance Party reasonably determines that it is entitled to credit or repayment in respect of such VAT from the relevant tax authority.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">13.7<font style="width: 33pt; 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;">13.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 13.7.3, 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: 16.67pt; 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: 13.95pt; 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 (including its applicable "passthrough percentage" or other information required under the US Treasury regulations or other official guidance including inter-governmental agreements) as that other Party reasonably requests for the purposes of that other Party's compliance with FATCA;</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;">13.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Party confirms to another Party pursuant to Clause 13.7.1 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;">13.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 13.7.1 shall not oblige any Finance Party to do anything, and Clause 13.7.1(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>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.7.4<font style="width: 51pt; 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 13.7.1(a) or (b) (including, for the avoidance of doubt, where Clause 13.7.3 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;">13.8<font style="width: 33pt; 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;">13.8.1<font style="width: 51pt; 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>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.8.2<font style="width: 51pt; 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 and, in addition, shall notify the Company and the Agent and the Agent shall notify the other Finance Parties.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">14.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES IN COSTS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">14.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Increased costs</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 14.3, the Borrower shall, within three Business Days of a demand by the Facility Agent, pay for the account of a Finance Party the amount of any Increased Costs incurred by that Finance Party as a result of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>compliance with any law or regulation made after the Signature Date; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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) whether implemented before or after the Signature Date,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">including, without limitation, any such law or regulation (including the Basel III Framework) concerning capital adequacy requirements, liquid asset holding requirements, special deposit requirements, prudential limits, reserve assets or Tax.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Increased Costs</b> means:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a reduction in the rate of return from the Senior Facility or on a Finance Party'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 such Finance Party);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>an additional or increased cost; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; 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: 76.55pt; text-align: justify;">which is incurred or suffered by a Finance Party to the extent that it is attributable to that Finance Party having entered into its Commitment or funding or performing its obligations under any Finance Document;</p>
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    <p style="margin-left: 76.55pt; text-align: justify;"><b>Basel III Framework</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 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; 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>
    <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 other guidance, standards or directives published by the Basel Committee on Banking Supervision relating to "Basel III".</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">14.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Increased Cost claims</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party intending to make a claim pursuant to Clause 14.1 shall notify the Facility Agent, as soon as reasonably possible after becoming aware of the claim, of the event giving rise to the claim, following which the Facility Agent shall notify the Borrower as soon as reasonably practicable.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Finance Party shall, as soon as practicable after a demand by the Facility Agent, provide a certificate confirming the amount of its Increased Costs.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">14.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Exceptions</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 14.1 (Increased costs) does not apply to the extent any Increased Cost is:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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>attributable to a FATCA Deduction required to be made by a Party;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>compensated for by Clause 13.3 (Tax indemnity) (or would have been compensated for under that Clause but was not so compensated solely because any of the exclusions in that Clause applied); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>attributable to the wilful breach by the relevant Finance Party of any law or regulation.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">14.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 14.3, a reference to a <b>Tax Deduction</b> has the same meaning given to the term in Clause 13.1 (Definitions).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">15.<font style="width: 11.6pt; 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;">15.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Currency indemnity</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any sum due from an Obligor under the Finance Documents (a <b>Sum</b>), or any order, judgment or award given or made in relation to a Sum, has to be converted from the currency (the <b>First Currency</b>) in which that Sum is payable into another currency (the <b>Second Currency</b>) for the purpose 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>making or filing a claim or proof against that Obligor; 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>obtaining or enforcing an order, judgment or award in relation to any litigation or arbitration proceedings,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">that Obligor shall as an independent obligation, within three Business Days of demand, indemnify each Finance Party to whom that Sum is due against any cost, loss or liability arising out of or as a result of the conversion including any discrepancy between (A) the rate of exchange used to convert that Sum from the First Currency into the Second Currency and (B) the rate or rates of exchange available to that person at the time of its receipt of that Sum.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor waives any right it may have in any jurisdiction to pay any amount under the Finance Documents in a currency or currency unit other than that in which it is expressed to be payable.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">15.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Funding indemnities</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">15.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Obligors shall, within three Business Days of demand, indemnify each Finance Party against, and shall pay to each Finance Party, any cost, loss or liability (other than consequential damages or opportunity costs) incurred by that Finance Party as a result of:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the occurrence of any Default;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any information produced or approved by the Borrower or any member of the Group under or in connection with the Finance Documents being misleading or deceptive in any respect;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any enquiry, investigation, subpoena (or similar order) or litigation with respect to any Obligor, or with respect to the transactions contemplated or financed under this Agreement;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>funding, or making arrangements to fund, its participation in a Utilisation 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 gross negligence or wilful default of that Finance Party alone);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility Outstandings (or part thereof) not being paid, repaid or prepaid in accordance with the terms of this Agreement; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the taking, holding, protection or enforcement of any Transaction Security.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">15.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor's liability in each case includes any loss or expense on account of funds borrowed, contracted for or utilised to fund any amount payable under any Finance Document or any Utilisation.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">15.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Indemnity to the Facility Agent and the Debt Guarantor</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor hereby indemnifies the Facility Agent and the Debt Guarantor against, and shall pay to the Facility Agent within 3 Business Days of demand, any cost, loss or liability (other than consequential damages or opportunity costs) incurred by the Facility Agent and the Debt Guarantor (acting reasonably) 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>investigating or taking any other action in connection with any event which it reasonably believes is a Default; 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>acting or relying on any notice, request or instruction which it reasonably believes to be genuine, correct and appropriately authorised.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor hereby indemnifies the Facility Agent and Debt Guarantor against, and shall pay to the Facility Agent and the Debt Guarantor within 3 Business Days of demand, any cost, loss or liability incurred by the Facility Agent and Debt Guarantor 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 taking, holding, protection or enforcement of any Transaction Security;</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 default by an Obligor in the performance of any of the obligations expressed to be assumed by it 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 performance of its functions or the exercise of the rights, powers, discretions and remedies vested in the Facility Agent and the Debt Guarantor , in its capacity as such, by the Finance Documents or by law, except for any such cost, loss or liability arising as a result of the gross negligence or wilful default of the Facility Agent and Debt Guarantor; 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>instructing the Debt Guarantor or an instruction which otherwise relates to any of the Secured Property (otherwise, in each case, than by reason of the Facility Agent's or Debt Guarantor's gross negligence or wilful misconduct).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall reimburse to the Facility Agent and Debt Guarantor all such out-of-pocket expenses actually and reasonably incurred and properly evidenced within 5 Business Days of the Facility Agent and Debt Guarantor presenting the Borrower with a tax invoice in respect thereof.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">16.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>MITIGATION BY THE LENDERS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">16.1<font style="width: 33pt; 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;">16.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Finance Party 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 7.1 (Mandatory prepayment - Illegality), Clause 13 (Tax Gross-up and Indemnities) or Clause 14 (Changes in Costs).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">16.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 16.1.1 does not in any way limit the obligations of any Obligor under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">16.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitation of liability</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">16.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower hereby indemnifies each Finance Party against, and undertakes to pay to it on demand, all costs and expenses reasonably incurred by that Finance Party as a result of steps taken by it under Clause 16.1.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">16.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party is not obliged to take any steps under Clause 16.1 if, in the opinion of that Finance Party (acting reasonably):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to do so might be prejudicial to it.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">17.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>COSTS AND EXPENSES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">17.1<font style="width: 33pt; 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 Facility Agent, the Arranger and the Debt Guarantor and the Lenders the amount of all properly evidenced and agreed costs and expenses (including legal fees) reasonably incurred by any of them in connection with the negotiation, preparation, printing and execution of:</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">17.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the setting up, maintaining and unwinding of the Debt Guarantor structure;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">17.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement, the other Finance Documents and any other documents referred to in this Agreement (including all costs of registering or perfecting Transaction Security); and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">17.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Finance Documents executed after the Signature Date.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">17.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment costs</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">17.2.1<font style="width: 51pt; 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 each Finance Party for the amount of all properly evidenced costs and expenses (including legal fees) reasonably incurred by that Finance Party in responding to, evaluating, negotiating or complying with that request or requirement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">17.2.2<font style="width: 51pt; 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 each Finance Party for the amount of all properly evidenced costs and expenses (including legal fees) reasonably incurred by that Finance Party in connection with evaluating, negotiating or complying with any such requirement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">17.3<font style="width: 33pt; 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 each Finance Party the amount of all costs and expenses (including legal fees on the scale as between attorney and own client whether incurred before or after judgment) incurred by that Finance Party 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 6</b><br><b>GUARANTEE</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">18.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GUARANTEE AND INDEMNITY</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.1<font style="width: 33pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>guarantees to each Finance Party punctual performance by each other Obligor of all that Obligor's obligations under the Finance Documents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>undertakes with each Finance Party that whenever an Obligor does not pay any amount when due under or in connection with any Finance Document, that Guarantor shall immediately on demand pay that amount as if it were the principal obligor; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees with each Finance Party that if any obligation guaranteed by it is or becomes unenforceable, invalid or illegal, it will, as an independent and primary obligation, indemnify that Finance Party 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.&#160; The amount payable by a Guarantor under this indemnity will not exceed the amount it would have had to pay under this Clause 18 if the amount claimed had been recoverable on the basis of a guarantee.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.2<font style="width: 33pt; 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 any Obligor under the Finance Documents, regardless of any intermediate payment or discharge in whole or in part.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reinstatement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any payment by an Obligor or any discharge, release or arrangement given by a Finance Party (whether in respect of the obligations of any Obligor or any security for those obligations or otherwise) is avoided or reduced for any reason (including, without limitation, as a result of insolvency, business rescue proceedings, liquidation, winding-up or otherwise):</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the liability of each Obligor shall continue as if the payment, discharge, avoidance or reduction had not occurred; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Finance Party shall be entitled to recover the value or amount of that security or payment from each Obligor, as if the payment, discharge, avoidance or reduction had not occurred.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.4<font style="width: 33pt; 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 18 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 18 (without limitation and whether or not known to it or any Finance Party) including:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any time, waiver or consent granted to, or composition with, any Obligor or other person;</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the release of any other Obligor or any other person under the terms of any composition or arrangement with any creditor of any member of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.3<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.4<font style="width: 51pt; 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 an Obligor or any other person;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.5<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.6<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.7<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement or any other Finance Document not being executed by or binding against any other Guarantor or any other party; or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.4.9<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other fact or circumstance arising on which a Guarantor 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;">18.5<font style="width: 33pt; 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 18.4 (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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.6<font style="width: 33pt; 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 any Finance Party (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 18.&#160; This waiver applies irrespective of any law or any provision of a Finance Document to the contrary.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deferral of Guarantors' rights</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Facility Agent otherwise directs, no Guarantor will 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 18:</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to be indemnified by an Obligor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to claim any contribution from any other guarantor of or provider of security for any Obligor's obligations under the Finance Documents;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; 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 Finance Parties under the Finance Documents or of any other guarantee or security taken pursuant to, or in connection with, the Finance Documents by any Finance Party;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to bring legal or other proceedings for an order requiring any Obligor to make any payment, or perform any obligation, in respect of which any Guarantor has given a guarantee, undertaking or indemnity under Clause 18.1 (Guarantee and indemnity);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to exercise any right of set-off against any Obligor; and/or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>to claim, rank, prove or vote as a creditor or shareholder of any Obligor in competition with any Finance Party.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">18.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Finance Parties 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 Finance Parties and shall promptly pay or transfer the same to the Facility Agent or as the Facility Agent may direct for application in accordance with Clause 31 (Payment Mechanics).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Release of Guarantors' right of contribution</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any Guarantor (a <b>Retiring Guarantor</b>) ceases to be a Guarantor in accordance with the terms of the Finance Documents for the purpose of any sale or other disposal of that Retiring Guarantor then on the date such Retiring Guarantor ceases to be a Guarantor:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>that Retiring Guarantor is automatically released by each other Guarantor from any liability (whether past, present or future and whether actual or contingent) to make a contribution to any other Guarantor arising by reason of the performance by any other Guarantor of its obligations under the Finance Documents; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.8.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>each other Guarantor waives any rights it may have by reason of the performance of its obligations under the Finance Documents 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 Finance Parties under any Finance Document or of any other security taken pursuant to, or in connection with, any Finance Document where such rights or security are granted by or in relation to the assets of the Retiring Guarantor.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">18.9<font style="width: 33pt; 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 any Finance Party (which a Finance Party may release as it sees fit, without prejudice to its rights hereunder).</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.10<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitations on guarantee under US law</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each US Guarantor acknowledges that it will receive valuable direct or indirect benefits as a result of the transactions contemplated by the Finance Documents (including utilisations thereunder).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each US Guarantor represents, warrants and agrees 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>the aggregate amount of its debts and liabilities, subordinated, contingent or otherwise (including its obligations under the Finance Documents), is not greater than the aggregate value (being the lesser of fair valuation and present fair saleable value) of its assets;</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 capital is not unreasonably small to carry on its business as it is being conducted;</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 has not incurred and does not intend to incur debts beyond its ability to pay as they mature; 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>it has not made a transfer or incurred any obligation under any Finance Document with the intent to hinder, delay or defraud any of its present or future creditors.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.10.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding anything to the contrary contained herein or in any other Finance Document to the extent that any US Bankruptcy or Fraudulent Transfer Law is applicable to this 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>each Finance Party agrees that the maximum liability of each Guarantor under this Clause 18 (Guarantee and Indemnity) and under the other Finance Documents shall in no event exceed the amount that can be guaranteed by such Guarantor under applicable US federal and state laws relating to the insolvency of debtors, in each case after giving effect to:</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>all other liabilities of such Guarantor, contingent or otherwise, that are relevant under such Fraudulent Transfer Law (specifically excluding, however, any liabilities of such Guarantor in respect of intercompany indebtedness to the Borrower to the extent that such Financial Indebtedness would be discharged in an amount equal to the amount paid by such Guarantor hereunder); and</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 value as assets of such Guarantor (as determined under the applicable provisions of such Fraudulent Transfer Law) of any rights to subrogation, contribution, reimbursement, indemnity or similar rights held by such Guarantor pursuant to:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>applicable law; or</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other agreement providing for an equitable allocation among such Guarantor and the Borrower and other Guarantors of obligations arising under this Agreement or other guarantees of such obligations by such parties; 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>each Party agrees that, in the event any payment or distribution is made on any date by a Guarantor under this Clause 18 (Guarantee and Indemnity), each such Guarantor shall be entitled to be indemnified from each other Guarantor, to the greatest extent permitted under applicable law and subject to the other limitation of this Clause 18.10 in an amount equal to such payment or distribution, in each case multiplied by a fraction of which the numerator shall be the net worth of the contributing Guarantor and the denominator shall be the aggregate net worth of all the Guarantors.</p>
    <p>&#160;</p>
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    <p style="text-align: center;"><b>SECTION 7</b><br><b>REPRESENTATIONS, UNDERTAKINGS AND EVENTS OF DEFAULT</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">19.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPRESENTATIONS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor makes the representations and warranties set out in this Clause 19 to each Finance Party on the Signature Date.&#160; A reference in this Clause to "it" or "its" includes, unless the context otherwise requires, each Obligor.&#160; The Finance Parties enter into the Finance Documents to which they are party on the strength of and relying on the representations and warranties set out in this Clause 19, each of which is a separate representation and warranty, given without prejudice to any other representation or warranty and is deemed to be a material representation or warranty (as applicable) inducing the Finance Parties to enter into the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Status</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.1.1<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It and each of its Subsidiaries has the power to own its assets and carry on its business as it is being conducted.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Capacity, power and authority</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It has the legal capacity and power to enter into and perform, and has taken all necessary action to authorise the entry into and performance of, the Finance Documents to which it is or will be a party and the transactions contemplated by those Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No limit on its powers will be exceeded as a result of the borrowing, grant of security or giving of guarantees or indemnities contemplated by the Finance Documents to which it is a party.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.3<font style="width: 33pt; 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;">19.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to any legal reservations in any legal opinion delivered pursuant to the Fourth Amendment and Restatement Agreement, 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Finance Document to which it is a party is in the proper form for its enforcement in the jurisdiction of its incorporation.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.4<font style="width: 33pt; 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 of, and the transactions contemplated by, the Finance Documents to which it is a party and the establishment of Transaction Security pursuant to the Security Documents to which it is a party, do not and will not conflict with:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any law or regulation applicable to it;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>its or any of its Subsidiaries' constitutional documents; or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any material agreement or instrument binding upon it or any of its Subsidiaries or any of its or any of its Subsidiaries' assets or constitute a default or termination event (however described) under any such agreement or instrument.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 10 (Disclosure Schedule), all authorisations required:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>to enable it lawfully to enter into, exercise its rights and comply with its obligations under the Finance Documents to which it is a party;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.5.2<font style="width: 51pt; 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; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>for it and those of its Subsidiaries which are members of the Lesaka Group to carry on their respective businesses in the ordinary course and in all material respects as they are being conducted,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">have been obtained or effected and are in full force and effect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No default</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Default is continuing or is reasonably likely to result from the making of any Utilisation or the entry into, the performance of, or any transaction contemplated by, any Finance Document to which it is a party.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.6.2<font style="width: 51pt; 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, the satisfaction of any other applicable condition or any combination of the foregoing, would constitute) a default or termination event (however described) or an event resulting in an obligation to create security, under any other agreement or instrument which is binding on it or any of its Subsidiaries or to which its (or any of its Subsidiaries') assets are subject, to an extent or in a manner which has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial statements</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Its audited financial statements most recently delivered to the Facility Agent (which, in relation to the Borrower, at the Fourth Amendment and Restatement Date, is the Original Financial Statements):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>have been prepared in accordance with IFRS, consistently applied (other than those of Holdco which have been prepared in accordance with GAAP, consistently applied); and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>give a true and fair view of its financial condition (consolidated, if applicable) as at the date to which they were drawn up,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">except, in each case, as disclosed to the contrary in those financial statements.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material adverse change</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">There has been no material adverse change in its business or financial condition or the business or consolidated financial condition of the Lesaka Group since the latest date to which any of the financial statements (or management accounts delivered pursuant to Clause 20.1 (Financial statements) were drawn up.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Assets</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It owns or has leased or licenced to it, and has all authorisations required under applicable law or regulations to use, the assets necessary to carry on its business as presently conducted.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is the sole legal and beneficial owner of the shares and other assets which are the subject matter of the Security Documents to which it is a party.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.10<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness and Security</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No member of the Lesaka Group has any Financial Indebtedness outstanding other than Financial Indebtedness which constitutes Permitted Financial Indebtedness.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Security exists over the whole or any part of the assets of any member of the Lesaka Group, other than Security which constitutes a Permitted Encumbrance.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.10.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to filing and registration required by law (where applicable) with the appropriate statutory public register, each Security Document to which it is a party creates the security interests which it purports to create, and the Transaction Security so established:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is valid and effective;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>constitutes first priority Security of the type described, over the assets referred to, in the relevant Security Document and those assets are not subject to any prior or <i>pari passu</i> Security in favour of any other person;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>is not subject to avoidance in the event of any winding-up, dissolution or administration involving any Obligor.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.11<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ranking</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Its 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Transaction Security has or, upon the registration thereof with any applicable statutory public registry (if required under applicable law), will have first ranking priority in respect of the assets of the Obligors which are the subject matter thereof, and those assets are not subject to any prior ranking or <i>pari passu</i> ranking Security.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.12<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Information</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.12.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, all forecasts and projections contained in any information supplied by or on behalf of Holdco, the Borrower, any other Obligor or any other member of the Lesaka Group to the Facility Agent or any other Finance Party under or in connection with the Finance Documents were prepared on the basis of recent historical information and assumptions which were fair and reasonable at that date and were not misleading in any material respect.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.12.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>All other information supplied by or on behalf of Holdco, the Borrower, any other Obligor or any other member of the Lesaka Group to the Facility Agent or any other Finance Party 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 material respect.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.12.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No information has been given or withheld by any Obligor which, if disclosed, might result in the information or projections referred to above being untrue or misleading in any material respect.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.13<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Group Structure Chart</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Group Structure Chart is true, complete and accurate in all respects and shows the following information:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.13.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>each member of the Lesaka Group, including current name and company registration number, its jurisdiction of incorporation and/or its jurisdiction of establishment, a list of direct and indirect shareholders and indicating if a company is not a company with limited liability;&#160; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.13.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>all minority interests in any member of the Group and any person in which any member of the Group holds shares in its issued share capital or equivalent ownership interest of such person.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.14<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ownership of securities</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.14.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, all securities in the issued capital of each Original Guarantor (other than Holdco, the Borrower) are owned, directly or indirectly, legally and beneficially, by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.14.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Other than under the VCP Undertaking, the CCMS Acquisition Agreement and any management share incentive schemes disclosed to the Finance Parties prior to Fourth Amendment and Restatement Date, 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, debenture or loan capital of any member of the Lesaka Group (including any option or right of pre-emption or conversion).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.14.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No person has a right to obtain an order for the rectification of the securities register of a member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.14.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The shares of any member of the Lesaka Group which are subject to the Transaction Security are fully paid and not subject to any option to purchase or similar rights.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.14.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, the constitutional documents of companies whose shares are subject to the Transaction Security do not restrict or inhibit any transfer of those shares (whether pursuant to a right of pre-emption in favour of any party or otherwise) on creation or enforcement of the Transaction Security (or if any such restriction exist, all applicable consents, waivers or resolutions by shareholders and directors for the purposes of authorising such a transfer have been obtained and are in full force and effect).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.15<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other documents</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.15.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, the documents delivered to the Facility Agent by or on behalf of any Obligor under Clause 4.1 (Initial conditions precedent) are genuine (or, in the case of copy documents, are true, complete and accurate copies of originals which are genuine), are up-to-date and in full force and effect (or if a copy, the original is up-to-date and in full force and effect) and have not been amended.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.15.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the date of their delivery, the documents delivered to the Facility Agent under this Agreement by or on behalf of any Obligor after the Closing Date are genuine (or, in the case of copy documents, are true, complete and accurate copies of originals which are genuine), are up-to-date and in full force and effect (or, if a copy, the original is up-to-date and in full force and effect) and have not been amended.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.16<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No proceedings pending or threatened</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 10 (Disclosure Schedule):</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to the each Obligor and Material Subsidiary as at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date only, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, no litigation, arbitration, expert determination, alternative dispute resolution or administrative proceedings of or before any court, arbitral body, expert or agency are current, pending or, to the best of its knowledge, threatened against it;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.16.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to each Obligor and Material Subsidiary (other than as at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date,), no litigation, arbitration, expert determination, alternative dispute resolution or administrative proceedings of or before any court, arbitral body, expert or agency are current, pending or, to the best of its knowledge, threatened against any such Obligor or other Material Subsidiary, which have or, if adversely determined, would have, a Material Adverse Effect or involve liability for the Obligors or other Material Subsidiary in an amount which, in aggregate, exceeds R10,000,000;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.16.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>no dispute with any regulatory authority which is the subject of any administrative or statutory proceedings of or before any court or agency is current, pending or, to the best of its knowledge, threatened, which, if adversely determined, will have or might reasonably be expected to have a Material Adverse Effect;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.16.4<font style="width: 46pt; 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 Lesaka Group which have or might reasonably be expected to have a Material Adverse Effect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.17<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No breach of laws or licence conditions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">It has not (and none of its Subsidiaries has) breached any law or regulation which is material to the conduct of its business.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.18<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental matters</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">As at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.18.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>each member of the Lesaka Group is in compliance with Clause 22.16 (Environmental matters) and no circumstances have occurred which would prevent such compliance, in a manner or to an extent which has or might reasonably be expected to (a) have a Material Adverse Effect, or (b) result in a financial liability for that Lesaka Group member in excess of R10,000,000;</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.18.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>all Environmental Permits required for it and its Subsidiaries to carry on their respective businesses in the ordinary course have been obtained or effected and are in full force and effect; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.18.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Environmental Claim has been commenced, is outstanding or (to the best of its knowledge and belief (having made due and careful enquiry)) is threatened against any member of the Lesaka Group where that claim has or might reasonably be expected, if determined against that member of the Lesaka Group, to have a Material Adverse Effect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.19<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insurance</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.19.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, there is no outstanding insured loss or liability incurred by it in excess of R5,000,000 which is not expected to be covered to the full extent of that loss or liability.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.19.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>There has been no non-disclosure, misrepresentation or breach of any term of any material Insurance taken out by any member of the Lesaka Group which would entitle any insurer of that insurance to repudiate, rescind or cancel it or to treat it as avoided in whole or in part, or otherwise decline any valid claim under it by or on behalf of any member of the Lesaka Group which could result in a loss to the Lesaka Group exceeding R20,000,000.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.20<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property Rights</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.20.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>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>is the sole legal and beneficial owner of, or has licenced to it on normal commercial terms, all the Intellectual Property Rights which are material in the conduct of its business and which are required by it in order to carry on its business in all material respects as it is being conducted;</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>has taken all formal or procedural actions (including payment of fees) required to maintain those Intellectual Property Rights;</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>does not, in carrying on its business, infringe any Intellectual Property Rights of any third party in any respect which has a Material Adverse Effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.20.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>None of those Intellectual Property Rights contemplated in paragraph 19.20.1(a) is being infringed, nor (to the best of its knowledge) is there any threatened infringement of any of those Intellectual Property Rights, in any material respect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.21<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency and Financial Distress</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.21.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly set out in Schedule 10 (Disclosure Schedule), as at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, no:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 23.7 (Insolvency and business rescue proceedings); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>creditors' process described in Clause 23.8 (Creditors' process), has been taken or threatened in relation to it or any other member of the Lesaka Group and none of the circumstances described in Clause 23.6 (Insolvency) applies to it or any other member of the Lesaka Group.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.21.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, neither it nor any member of the Lesaka Group is Financially Distressed (as defined in the Companies Act).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.22<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Taxes</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.22.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not overdue in the filing of any Tax returns or in the payment of any Tax in an amount of more than R10,000,000 (taking into account any extensions granted by any applicable Tax authority for the filing of such returns).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.22.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly set out in Schedule 10 (Disclosure Schedule), as at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, no claims or investigations by any Tax authority are being or are reasonably likely to be made or conducted against it which are reasonably likely to result in a liability of or claim against any member of the Lesaka Group to pay any amount of, or in respect of, Tax of more than R10,000,000.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.22.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is resident for Tax purposes only in its jurisdiction of incorporation.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.22.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>As at the Signature Date, the Closing Date, the date of the first Utilisation Request, the first Utilisation Date the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, 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>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.22.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The representations in Clauses 19.22.1 to 19.22.4 are subject to the disclosure expressly set out in Schedule 10 (Disclosure Schedule).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.23<font style="width: 29pt; 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 law of its jurisdiction of incorporation it is not necessary that the Finance Documents be filed (other than a filing required in compliance with the rules of a stock exchange on which the securities of Holdco or a member of the Lesaka Group are listed), recorded or enrolled with any court or other authority in that jurisdiction or that any stamp, registration or similar tax (other than any securities transfer tax payable on any share transaction) be paid on or in relation to those Finance Documents or the transactions contemplated by those Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.24<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Governing law and enforcement</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.24.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The choice of South African law as the governing law of those Finance Documents which are expressed to be governed by South African law will be recognised and enforced in its jurisdiction of incorporation.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.24.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Its:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>submission under this Agreement to the jurisdiction of the High Court of South Africa (Gauteng Local Division, Johannesburg) (or any successor to that division); and</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>agreement not to claim any immunity to which it or its assets may be entitled,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">are legal, valid and binding under the laws of its jurisdiction of incorporation.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.24.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any judgment obtained in South Africa in relation to a Finance Document which is governed by the laws of South Africa will be recognised and enforced in its jurisdiction of incorporation.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.25<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No adverse consequences</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.25.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not necessary under the laws of its jurisdiction of incorporation of that Obligor that any Finance Party should be licensed, qualified or otherwise entitled to carry on business in that jurisdiction:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in order to enable any Finance Party to enforce its rights under any Finance Document; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>by reason of any Finance Party having entered into of any Finance Document or the performance by it of its obligations under any Finance Document.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.25.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Finance Party is or will be deemed to be resident, domiciled or carrying on business in the jurisdiction of incorporation of an Obligor by reason only of the entry into, performance and/or enforcement of any Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.26<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No immunity</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.26.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The entry into by it of each Finance Document to which it is a party constitutes, and the exercise by it of its rights and performance of its obligations under each Finance Document will constitute private and commercial acts performed for private and commercial purposes.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.26.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In any proceedings taken in South Africa or in any other jurisdiction, it will not be entitled to claim for itself or any of its assets immunity from suit, execution, attachment or other legal process in relation to this Agreement or any other Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.27<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorised signatories</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any person specified as its authorised signatory under Schedule 2 (Conditions precedent) or Clause 20.9 (Information: miscellaneous) is authorised to sign Utilisation Requests and other communications under the Finance Documents on its behalf.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.28<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Anti-corruption laws and Sanctions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.28.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly set out in Schedule 10 (Disclosure Schedule), no member of the Lesaka Group (including, for this purpose, Smart Life):</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>is using nor will use the proceeds of any Senior Facility for the purpose of financing or making funds available directly or indirectly to any person or entity which is currently a Sanctioned Entity or as part of a Sanctioned Transaction, to the extent such financing or provision of funds would currently be prohibited by Sanctions or would otherwise cause any person to be in breach of Sanctions;</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>is contributing nor will contribute or otherwise make available the proceeds of any Senior Facility to any other person or entity for the purpose of financing the activities of any person or entity which is currently listed on a Sanctions List, to the extent such contribution or provision of proceeds would currently be prohibited by Sanctions or would otherwise cause any person to be in breach of Sanctions; or</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>to the best of its knowledge and belief:</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>has been nor is targeted under any Sanctions; or</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>has violated or is violating any applicable Sanctions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.28.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly set out in Schedule 10 (Disclosure Schedule), each member of the Lesaka Group and Smart Life 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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.29<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Dormant companies</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each of the companies listed in Schedule 11 (Dormant Subsidiaries) does not trade (for itself or as agent for any person) and does not own, legally or beneficially, assets (including, without limitation, indebtedness owed to it) which in aggregate have a value of more than R1,000,000 (or its equivalent in other currencies).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">19.30<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Times for making representations and warranties</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.30.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the representations and warranties set out in this Clause 19 are made by each Obligor on the Signature Date.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.30.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a representation and warranty is expressed to be given at a specific date (in which case it shall not be deemed to be repeated on another date), each representation and warranty is deemed to be repeated by:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Obligor on the Closing Date, the date of the first Utilisation Request, the first Utilisation Date, each Utilisation Date, the Fourth Amendment and Restatement Date, the date of the first Utilisation Request after the Fourth Amendment and Restatement Date and the first Utilisation Date after the Fourth Amendment and Restatement Date, and the first day of each Interest Period; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Additional Guarantor, on the day on which it becomes (or it is proposed that it becomes) an Obligor.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">19.30.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>When a representation and warranty in Clause 19.6.1 (No default) is repeated on the first day of an Interest Period for a Loan (other than the first Interest Period for that Loan), the reference to a Default must be construed as a reference to an Event of Default.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.30.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>When a representation and warranty is repeated, it is made with reference to the circumstances existing at the time of repetition.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">20.<font style="width: 11.6pt; 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 20 remain in force from the Signature Date for so long as any amount is outstanding under the Finance Documents or any Commitment is in force.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial statements</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall supply to the Facility Agent in sufficient copies for all the Lenders:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of the Borrower:</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>as soon as the same become available, but in any event within 180 days after the last day of each financial year of the Borrower, its audited consolidated annual financial statements for that financial year;</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>as soon as the same become 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), the Borrower's 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 other than Holdco;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of each Obligor registered in South Africa:</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>as soon as the same become available, but in any event within 180 days after the last day of each financial year of that Obligor, its audited consolidated annual financial statements for that financial year.</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>if requested by the Facility Agent in respect of a calendar month, within 30 days after the end of that calendar month, each Obligor's monthly management accounts (which shall include, without limitation, a cash flow statement, income statement and balance sheet on a year-to-year basis) for that month on a consolidated basis for that month (and to include cumulative consolidated management accounts for the financial year of the Lesaka Group to date);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of Mobikwik, as soon as the same become available, its audited consolidated annual financial statements for that financial year.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of Holdco:</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>as soon as the same become available, but in any event within 90 days after the last day of each financial year of Holdco, its audited consolidated annual financial statements for that financial year; 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>as soon as the same become available, but in any event within 75 days after the end of each quarter of each of its financial years, Holdco's 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 (and to include cumulative consolidated management accounts for the financial year of Holdco to date);</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Requirements as to financial statements</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall ensure that each set of financial statements and management accounts delivered pursuant to Clause 20.1:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is certified by a director of the relevant company as fairly representing its financial condition as at the date as to which those financial statements or management accounts were drawn up;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>comprise at least a balance sheet, profit and loss account and cashflow statement for the financial period then ended, and (in the case of management accounts) for the financial year to date and the period of 12 months ending on the last day of the monthly or quarterly financial period (as applicable); and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>is prepared using IFRS (other than in respect of the management accounts), accounting practices and financial reference periods consistent with those applied in the preparation of the applicable financial statements and management accounts for 31 March, 2017 unless, in relation to any set of financial statements or management accounts, it notifies the Facility Agent that there has been a change in IFRS (other than in respect of the management accounts), those accounting practices or those reference periods.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Borrower notifies the Facility Agent of any change, as contemplated by Clause 20.2.1, it shall procure that its Auditors (or, if appropriate, the Auditors of the relevant member of the Lesaka Group) deliver to the Facility Agent:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a description of any change necessary for those financial statements to reflect IFRS, the accounting practices and the reference periods as applied in the preparation of that Obligor's Original Financial Statements; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>sufficient information, in form and substance reasonably required by the Facility Agent, to enable the Lenders to determine whether Clause 21 (Financial covenants) has been complied with and make an accurate comparison between the financial position indicated in those financial statements and that Obligor's Original Financial Statements.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any reference in this Agreement to those financial statements shall be construed as a reference to those financial statements as adjusted to reflect the basis upon which the Original Financial Statements were prepared.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance Certificate</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall supply to the Facility Agent, with each set of financial statements and management accounts delivered pursuant to Clause 20.1.1 and 20.1.2 in relation to a Measurement Date, a Compliance Certificate setting out (in reasonable detail) computations as to compliance with Clause 21 (Financial covenants) as at the date as at which those financial statements or management accounts (as applicable) were drawn up.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Compliance Certificate shall be signed by two directors of Borrower (including the financial director of the Lesaka Group) and, if required to be delivered with the financial statements delivered pursuant to Clause 20.1.1, shall be reported on by the Auditors in the form set out in Annexe A (Form of Auditor's Certification) to Schedule 6 (Form of Compliance Certificate) or such other form agreed by the Borrower and the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial year-end</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Without the express prior consent of the Facility Agent, an Obligor shall not change the date of its financial year end and shall ensure that the financial year end of each member of the Lesaka Group falls on 30 June.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Auditors</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must ensure that its Auditors as at the Signature Date are retained to audit its consolidated annual financial statements.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may change its Auditors:</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 one of PwC, EY or KPMG (or any other firm approved in advance by the Facility Agent) if required by law or regulation; 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>if the Facility Agent has approved the other firm in advance.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent wishes to discuss the financial position of any member of the Lesaka Group with the Auditors, the Facility Agent may notify the Borrower, stating the questions or issues which the Facility Agent wishes to discuss with the Auditors.&#160; In this event, the Borrower shall ensure that the Auditors are authorised (at the expense of the Borrower):</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 discuss the financial position of each member of the Lesaka Group with the Facility Agent on request from the Facility Agent; 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 disclose to the Facility Agent for the Finance Parties any information which the Facility Agent may reasonably request.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.5.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may not give notice under Clause 20.5.3, unless it reasonably believes that a Default is continuing or may have occurred or may occur, and notifies the Borrower that it is exercising its rights under this Clause 20.5.4.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.5.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If requested by the Facility Agent, the Borrower shall procure that the Auditors provide a report (a) stating which members of the Lesaka Group are Material Subsidiaries and (b) confirming that the aggregate contribution of the Guarantors (calculated on an unconsolidated basis and excluding all intra-group items and investments in Subsidiaries of any member of the Lesaka Group) represents not less than 90.00 per cent. of the gross assets, Consolidated EBITDA and total revenue of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Presentations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Once in every financial year of the Borrower (or more often if a Default is continuing), at least two directors of the Borrower (one of whom must be the financial director) must, if requested to do so by the Facility Agent, give a presentation (on a date and at a venue agreed with the Facility Agent) to the Finance Parties as to:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the on-going business and financial performance of the Lesaka Group; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other matter which a Finance Party may reasonably request.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Management access</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Following delivery of any management accounts contemplated in Clause 20.1.1 (Financial Statements), the Borrower shall, upon written request from the Facility Agent, procure that within 7 days of delivery of any such request at least two directors of the Borrower (one of whom must be the financial director) must make themselves available to meet with the Lenders (on a date and at a venue agreed with the Facility Agent) so as to discuss:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the on-going business and financial performance of the Lesaka Group; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other matter which a Finance Party may reasonably request.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of default</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall notify the Facility Agent of any Default (and the steps, if any, being taken to remedy it) promptly upon becoming aware of its occurrence (unless that Obligor is aware that a notification has already been provided by another Obligor).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.8.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>As soon as reasonably practical following a request by the Facility Agent, the Borrower shall supply to the Facility Agent a certificate signed by two 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>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Information: miscellaneous</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and Holdco shall supply to the Facility Agent (in sufficient copies for all the Lenders, if the Facility Agent so requests):</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>copies of all documents dispatched by an Obligor to its shareholders generally (or any class of them) to the extent required by law or regulation and all documents dispatched to its creditors generally (or any class of them), in each case at the same time as they are dispatched;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.9.2<font style="width: 51pt; 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, are reasonably likely to, adversely affect the interest of the Finance Parties;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.9.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly upon becoming aware of them, details and copies of any claim made against any Obligor under the Finance Documents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.9.4<font style="width: 51pt; 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 Lesaka 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 (or its equivalent in another currency or currencies); and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.9.5<font style="width: 51pt; 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 Lesaka Group as any Finance Party (through the Facility Agent) may reasonably request.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">20.10<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Know your customer checks</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 Signature Date;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any change in the status of an Obligor after the Signature Date;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the on-going compliance with any know your customer or similar identification procedures; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a proposed Transfer by a Lender of any of its rights and obligations under this Agreement to a party that is not a Lender prior to such Transfer,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">obliges the Facility Agent or any Lender (or, in the case of paragraph (d) above, any prospective new Lender) to comply with know your customer 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, each Obligor shall promptly upon the request of the Facility Agent or any Lender supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any Lender) or any Lender (for itself or, in the case of the event described in paragraph (d) above, on behalf of any prospective new Lender) in order for the Facility Agent, such Lender or, in the case of the event described in paragraph (d) above, 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>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">20.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Lender shall as soon as reasonably practicable following request by the Facility Agent, supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself) in order for the Facility Agent 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.10.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Following the giving of any notice pursuant to Clause 25.2 (Additional Guarantors), if the accession of such Additional Guarantor obliges the Facility Agent or any Lender to comply with know your customer or similar identification procedures in circumstances where the necessary information is not already available to it, the Borrower shall promptly upon the request of the Facility Agent or any Lender supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any Lender) or any Lender (for itself or on behalf of any prospective new Lender) in order for the Facility Agent or such Lender or 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 accession of such Subsidiary to this Agreement as an Additional Guarantor.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">21.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FINANCIAL COVENANTS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">21.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Undertakings in relation to financial condition</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">21.1.1<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Asset Cover Ratio</b></p>
    <p style="margin-left: 76.55pt; text-align: justify;">The Obligors shall ensure that the Asset Cover Ratio for any Measurement Period shall not fall below 4.50 : 1.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.1.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Basis of calculations</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">21.1.3<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the terms defined in Clause 1.2 (Financial definitions) are to be determined on a consolidated basis and (except as may be expressly included or excluded in the relevant definition, or as stated below) in accordance with IFRS.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">21.1.4<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The financial undertakings in Clause 21.1.1 (unless expressly otherwise stated) shall apply as of the last day of each Measurement Period and compliance (or otherwise) shall be verified by reference to the consolidated financial statements or management accounts of the Lesaka Group (as applicable) for the relevant Measurement Periods and Compliance Certificates delivered pursuant to Clause 20 (Information Undertakings).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">21.1.5<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No item shall be deducted or credited more than once in any calculation.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">21.1.6<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where an amount in any financial statements or management accounts delivered pursuant to Clause 20 (Information Undertakings) is not denominated in Rand, it shall be converted into Rand at the rates specified in those financial statements or management accounts.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.1.7<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>In relation to any Measurement Period commencing before the Closing Date, the Consolidated EBITDA for any Measurement Period ending less than 12 months after the Closing Date, shall be determined based on the actual consolidated results of the Borrower for that Measurement Period.</p>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">22.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GENERAL UNDERTAKINGS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor is bound by the undertakings set out in this Clause 22 relating to it.&#160; The undertakings in this Clause 22 remain in force from the Signature Date for so long as any amount is outstanding under the Finance Documents or any Commitment is in force.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka Group will) promptly:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.1.1<font style="width: 51pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>at the request of the Facility Agent, supply certified copies to the Facility Agent of,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">any authorisation required to enable it to:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>perform its obligations under the Finance Documents to which it is a party and to ensure the legality, validity, enforceability or admissibility in evidence in its jurisdiction of incorporation of any such Finance Document;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>carry on its business in the ordinary course and in all material respects as it is being conducted.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance with laws</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka Group will) comply with all laws, permits and licenses which are material to the conduct of its business.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Pari passu ranking</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor must ensure that:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>its payment obligations under the Finance Documents at all times rank at least <i>pari passu </i>with all its present and future unsecured unsubordinated payment obligations, except for obligations mandatorily preferred by law applying to companies generally in its jurisdiction of incorporation or any other jurisdiction where it carries on business.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security conferred by each Security Document to which it is a party constitutes first ranking priority Security of the type described, over the assets referred to, in that Security Document and that those assets are not subject to any prior or <i>pari passu</i> Security in favour of any other person.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Negative pledge</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) create or permit to subsist any Security over any of its assets.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 an Obligor or any other member of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clauses 22.4.1 and 22.4.2 do not apply to the following Security (each a <b>Permitted Encumbrance</b>):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security given or purported to be given as Transaction Security;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security referred to in Schedule 10 (Disclosure Schedule) given as at the Signature Date;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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, and not as a result of any default or omission by any member of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any netting or set-off arrangement entered into by any member of the Group with an Approved Bank in the ordinary course of its banking arrangements for the purpose of netting debit and credit balances, but only if the arrangement does not permit credit balances of Obligors to be netted with debit balances of members of the Lesaka Group which are not Obligors;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any netting of payments under a Permitted Treasury Transaction (including netting on a close-out of a Permitted Treasury Transaction);</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security over or affecting any asset acquired by a member of the Lesaka Group after the Signature Date if:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 15.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security was not created in contemplation of the acquisition of that asset by a member of the Lesaka Group;</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 principal amount secured has not been increased in contemplation of or since the acquisition of that asset by a member of the Lesaka Group; 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>the Security is removed or discharged within 3 months of the date of acquisition of such asset;</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>any Security over or affecting any asset of any company which becomes a member of the Lesaka Group after the Signature Date where the Security is created prior to the date on which that company becomes a member of the Lesaka Group, if:</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 Security was not created in contemplation of the acquisition of that company;</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>the principal amount secured has not been increased in contemplation of or since the acquisition of that company; and</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 11.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security is removed or discharged within 3 months of the date of that company becoming a member of the Lesaka Group;</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>any Security arising under:</p>
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    <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 finance or capital lease; or</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>any retention of title, hire purchase or conditional sale arrangement; or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 11.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>arrangements having a similar effect in respect of goods supplied to a member of the Lesaka Group in the ordinary course of trading and on the supplier's standard or usual terms and not as a result of any default or omission by any member of the Lesaka Group;</p>
    <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 Security over any rental deposits in respect of immovable property where the relevant lease was entered into in the ordinary course of business and on arm's length terms;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(j)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security arising as a result of a Permitted Disposal;</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>any Security arising as a consequence of any Finance Lease permitted pursuant to Clause 22.5.8 (Financial indebtedness) or any Security securing any liabilities under any Permitted Guarantee permitted pursuant to Clauses 22.12.2 to 22.12.11 (Third party guarantees) (inclusive), provided that, at any applicable time the aggregate value of any such Security contemplated in this Clause shall not exceed R10,000,000;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(l)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) incur or allow to remain outstanding any Financial Indebtedness.&#160; This restriction does not apply to the following items of Financial Indebtedness (in each case, a <b>Permitted Financial Indebtedness</b>):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness incurred under the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness incurred under the CCMS Acquisition Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness incurred under the CCMS Intercompany Loan;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness permitted under the CCMS Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness arising under a Permitted Loan, a Permitted Guarantee or a Permitted Treasury Transaction;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness of any person acquired by a member of the Lesaka Group after the Signature Date which is incurred under arrangements in existence at the date of acquisition, but not incurred or increased or its maturity date extended in contemplation of, or since, that acquisition, and outstanding only for a period of 3 months following the date of acquisition;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Financial Indebtedness under a finance or capital lease, instalment credit agreement, retention of title, hire purchase or conditional sale arrangement or arrangements having a similar effect in respect of vehicles, plant, equipment or computers, provided that the aggregate capital value of all items so acquired under outstanding leases, instalment credit agreements, retention of title, hire purchase or conditional sale arrangements or arrangements having a similar effect, by members of the Lesaka Group, does not exceed an amount of R75,000,000 (or its equivalent in any other currency) at any time;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness under any Finance Lease provided that the maximum aggregate amount of Financial Indebtedness under this paragraph&#160; 22.5.8 does not exceed ZAR75,000,000 at any time;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.9<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness arising under a facility with FirstRand Bank Limited (acting through its Wesbank division), provided that the maximum aggregate amount of Financial Indebtedness under this paragraph 22.5.10 does not exceed ZAR10,000,000 at any time;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.10<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness arising under unsecured any Treasury Transactions as at the Fourth Amendment and Restatement Date, provided that the maximum aggregate amount of Financial Indebtedness under this Clause 22.5.10 does not exceed ZAR350,000,000 (or its equivalent in any other currency) at any time;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.11<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness in respect of any loans advanced to the Borrower by Holdco, on the condition that the claims of Holdco against the Borrower are subordinated to the claims of the Finance Parties under the Finance Documents, either under the Subordination Agreement or otherwise on terms acceptable to the Facility Agent;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.12<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disposals</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will), 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.&#160; This restriction does not apply to the following disposals which are (except for Clause 22.6.4, on arm's length terms (each a <b>Permitted Disposal</b>):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any disposal arising under any CCMS Reorganisation Documents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any disposal arising as a result of a Permitted Distribution;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of trading stock for cash in the ordinary course of trading;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of any asset by a member of the Lesaka Group (the <b>disposing entity</b>) to another member of the Lesaka Group (the <b>acquiring entity</b>) incorporated in the same jurisdiction, but only if:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>where the disposing entity is an Obligor, the acquiring entity is also an Obligor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the relevant asset is not subject to Transaction Security;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>where the disposing entity is a Guarantor, the acquiring entity must also be a Guarantor guaranteeing an amount at all times no less than that guaranteed by the disposing entity;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of obsolete or redundant vehicles, plant and equipment for cash;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of Cash Equivalents:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>for Cash; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in exchange for other Cash Equivalents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of Finbond Shares or any other assets not included in the determination of Covenant Equity Value (subject to the requirements of Clause 7.4 (Mandatory prepayment - material disposal and insurance proceeds));</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal arising as a result of a Permitted Encumbrance;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.9<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>disposal of assets (not being a business and not being shares or securities) in exchange for other assets comparable or superior as to type, value and quality and for a similar purpose;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.10<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal of cash where such disposal does not breach the other terms of the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.11<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal constituted by a licence of Intellectual Property Rights permitted by Clause 22.16.2 (Intellectual Property Rights);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.12<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>disposals to a Permitted Joint Venture, to the extent permitted by Clause 22.10.2(c) (Joint Ventures);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.13<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>the disposal of Cell C airtime up an aggregate amount of R240,000,000;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.14<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>a disposal pursuant to a Permitted BEE Transaction provided it does not result in a Control Event; or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.6.15<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other disposal expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.7<font style="width: 33pt; 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 the Obligors shall ensure that no other member of the Lesaka Group will) enter into any amalgamation, demerger, merger, unbundling or corporate reconstruction.&#160; This restriction does not apply to:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Permitted Disposal or Permitted Acquisition;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other transaction or combination of transactions which is required to be implemented or expressly permitted by the terms of this Agreement; or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amalgamation, demerger, merger, unbundling or corporate reconstruction permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Assets</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and the Obligors shall ensure that each member of the Lesaka Group will) maintain in good working order and condition (ordinary wear and tear excepted) all of its assets necessary in the conduct of its business.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisitions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) 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.&#160; This restriction does not apply to the following transactions (each a <b>Permitted Acquisition</b>):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the acquisition of the CCMS Target Companies pursuant to the CCMS Acquisition Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the acquisition by a member of the Lesaka Group of an asset from another member of the Lesaka Group pursuant to a Permitted Disposal;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>an acquisition of shares or securities pursuant to a Permitted Share Issue;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the acquisition of Cash Equivalents;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the incorporation of a company as a member of the Lesaka Group, but only if:</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>it is incorporated in the Common Monetary Area as a limited liability company or if not incorporated in the Common Monetary Area with limited liability, the Facility Agent has consented to the incorporation of such company in the relevant jurisdiction;</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>no Default is continuing on the incorporation of that company or would occur as a result; 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>that company accedes and becomes party to this Agreement as an Additional Guarantor if it is or becomes a Material Subsidiary or if otherwise required to comply with Clause 22.25 (Guarantor coverage);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any acquisition expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.10<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Joint Ventures</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) be entitled to enter into any Joint Venture or partnership (whether an <i>en commandite</i> partnership or any other partnership) or enter into, invest or acquire any shares, stocks, securities, partnership interest or other interest in any Joint Venture or partnership or transfer any assets or lend to or guarantee or give an indemnity for or grant any security interest for the obligations of a Joint Venture or partnership or maintain the solvency or provide working capital to any Joint Venture or partnership other than with the prior written consent of the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 22.10.1 does not apply to any investment in any Joint Venture (a <b>Permitted Joint Venture</b>) where:</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 Joint Venture carries on or will carry on a business similar to that undertaken by the Lesaka Group as at the date of the investment;</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>no Default is continuing on the completion of the investment or would occur as a result; 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 aggregate of all Joint Venture Investments of any member or members of the Lesaka Group does not exceed R25,000,000 (or its equivalent in any other currency) at any time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.10.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>For purposes of this Clause, <b>Joint Venture Investment</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>an acquisition of any shares, stocks, equity securities or other ownership interest in any Joint Venture;</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 transfer of any assets to, loan to, or guarantee, indemnity or provision of Security for the obligations of, a Joint Venture; 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 acquisition of a minority interest in any company (provided that, for the avoidance of doubt, the acquisition of minority interests held by third parties in any company which is, as at the date of such acquisition, a member of the Lesaka Group shall not be construed as a Joint Venture Investment).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.11<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loans out</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) be a creditor in respect of any Financial Indebtedness.&#160; This restriction does not apply to the following items (each a <b>Permitted Loan</b>):</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>trade credit extended by a member of the Lesaka Group to its customers on normal commercial terms and in the ordinary course of its trading activities and which has a credit term of not more than 90 days;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>the CCMS Intercompany Loan;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans provided 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>one Obligor to another 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>a member of the Lesaka Group which is not an Obligor to another member of the Lesaka Group which is not an Obligor;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any loans referred to in Schedule 10 (Disclosure Schedule) as at the Fourth Amendment and Restatement Date;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans 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 Kwande Group to fund operating costs not exceeding ZAR2,000,000 (or the equivalent in any other currency) in aggregate at any time; 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>Zazoo Limited to fund operating costs not exceeding USD5,000,000 (or the equivalent in any other currency) in aggregate at any time; 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>Smart Life not exceeding R10,000,000 in aggregate at any time;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.6<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans to employees of the Lesaka Group not exceeding R220,000 in aggregate at any time;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.7<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans made by Moneyline to its customers in the ordinary course of its business;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.11.8<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans or credit expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.12<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Third party guarantees</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) incur or allow to remain outstanding any guarantee in respect of any obligation of any person.&#160; This restriction does not apply to the following (in each case a <b>Permitted Guarantee</b>):</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee arising under the Finance Documents;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>performance bonds guaranteeing performance by an Obligor under any contract (not being in respect of Financial Indebtedness) entered into in the ordinary course of trade;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>guarantees by Obligors in respect of the Permitted Financial Indebtedness of other Obligors;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>without double counting, any guarantee in respect of Finance Leases which are permitted under Clause 22.5.8;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee comprising a netting or set-off arrangement entered into by a member of the Lesaka Group with an Approved Bank in the ordinary course of its banking arrangements for the purposes of netting debit and credit balances of that member of the Group or of other members of the Lesaka Group with that Approved Bank, provided that such arrangement does not permit credit balances of Obligors to be netted with debit balances of members of the Lesaka Group that are not Obligors;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.6<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee given by a person acquired by a member of the Group after the Signature Date which is incurred under arrangements in existence at the date of acquisition, but not incurred or increased or its maturity date extended in contemplation of, or since, that acquisition, and outstanding only for a period of 3 months following the date of acquisition;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.7<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee required to be given to any municipality, utility provider or other supplier of goods or services, and made by a member of the Lesaka Group in the regular and ordinary course of business under which the aggregate liability (actual or contingent) of members of the Lesaka Group does not at any time exceed R10,000,000;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.8<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee given to a landlord or financial institution in respect of premises occupied by a member of the Lesaka Group for the rental obligations of a member of the Lesaka Group, where the lease agreement and the guarantee are entered into in the ordinary course of trading and on arm's length terms;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.9<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>guarantees not otherwise permitted by this Clause above, under which the aggregate liability (actual or contingent) of members of the Lesaka Group does not at any time exceed R10,000,000;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.10<font style="width: 40.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantees referred to in paragraph 8 of Schedule 10 (Disclosure Schedule) as at the Signature Date; or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.12.11<font style="width: 41.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee expressly permitted in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.13<font style="width: 28.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Treasury Transactions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) enter into any Treasury Transaction.&#160; This restriction does not apply to spot and forward delivery foreign exchange contracts entered into in the ordinary course of business, but not for speculative purposes nor any Treasury Transaction expressly permitted in writing by the Facility Agent. (each a <b>Permitted Treasury Transaction</b>).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.14<font style="width: 28.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Arm's length transactions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) enter into any transaction with any person, otherwise than on arm's-length terms, save for:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.14.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any transaction forming part of, or required to implement, the Transaction; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.14.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>loans made or credit provided by one Obligor to another;</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.15<font style="width: 29pt; 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;">22.15.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause a <b>prudent owner</b> means a prudent owner and operator of any business, and of assets of a type and size, similar in all cases to those owned and operated by any member of the Lesaka Group in a similar location.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.15.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka Group will) ensure that its Insurances:</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>insure it for its insurable interest in respect of all risks which are required to be insured against under any applicable law or regulation and which a prudent owner would insure against;</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>insure it against losses arising from business interruption (whether or not a prudent owner would do so); and</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>in the case of any other asset or risk, provide cover up to a limit which a prudent owner would buy.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.15.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka 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>ensure that its Insurances are underwritten by an insurance company or underwriter which is of international standing and is not a captive insurer which is a member of the Lesaka 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>promptly pay (or procure payment of) all premiums and do anything which is necessary to keep each of its Insurances in full force and effect; 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>not do or allow anything to be done which may (and promptly notify the Facility Agent of any event or circumstance which does or is reasonably likely to) entitle any insurer of any of its Insurances to repudiate, rescind or cancel it or to treat it as avoided in whole or in part or otherwise decline any valid claim under it by or on behalf of any member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.16<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property Rights</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as provided below, each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka Group will):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>make any registration and pay any fee or other amount which is necessary to retain and protect the Intellectual Property Rights which are material to the business of a member of the Lesaka Group;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>record its interest in those Intellectual Property Rights;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>take such steps as are necessary and commercially reasonable (including the institution of legal proceedings) to prevent third parties infringing those Intellectual Property Rights;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>not use or permit any such Intellectual Property Right to be used in a way which may, or take or omit to take any action which may, adversely affect the existence or value of such Intellectual Property Right; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>not grant any licence in respect of those Intellectual Property Rights, without the express prior consent of the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.16.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 22.16.1 does not apply to licence arrangements entered into between members of the Lesaka Group for so long as they remain members of the Lesaka Group or to licence arrangements entered into on normal commercial terms and in the ordinary course of its business.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.17<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental matters</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka 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>comply with all Environmental 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>obtain, maintain and ensure compliance with all Environmental Permits that are required to carry on its business in the ordinary course;</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>implement procedures to monitor compliance with and to prevent liability under any Environmental Law,</p>
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    <p style="margin-left: 76.55pt; text-align: justify;">where failure to do so has or might reasonably be expected to have a Material Adverse Effect or is reasonably likely to result in any liability for a Finance Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (through the Borrower), promptly upon becoming aware of the same, inform the Facility Agent in writing 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 Environmental Claim against it or any other member of the Lesaka Group which is current, pending or threatened; 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 facts or circumstances which are reasonably likely to result in any Environmental Claim being commenced or threatened against it or any other member of the Lesaka Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">where the claim, if determined against it or any other such member of the Lesaka Group, has or might reasonably be expected to have a Material Adverse Effect or is reasonably likely to result in any liability for a Finance Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower hereby indemnifies each Finance Party and its officers, employees, agents and delegates (together the <b>Indemnified Parties</b>) against any 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises by virtue of any actual or alleged breach of any Environmental Law (whether by any Obligor, an Indemnified Party or any other person); 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>arises in connection with an Environmental Claim,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">which relates to the Lesaka Group, any assets of the Lesaka Group or the operation of all or part of the business of the Lesaka Group (or, in each case, any member of the Lesaka Group) and which would not have arisen if the Finance Documents or any of them had not been executed by that Finance Party.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.18<font style="width: 29pt; 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;">22.18.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Other than as permitted under the CCMS Reorganisation Documents, no Obligor shall (and the Obligors shall ensure that no other member of the Lesaka 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>redeem, purchase, defease, retire or repay any of its shares or share capital (or any instrument convertible into shares or share capital) or resolve to do so;</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>issue any shares (or any instrument convertible into shares) which by their terms are redeemable or carry any right to a return prior to the Final Discharge Date; 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>issue any shares or share capital (or any instrument convertible into shares or share capital) to any person.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.18.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 22.18.1 does not apply to the following (each a <b>Permitted Share Issue</b>):</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the issue of shares by an Obligor to another Obligor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the issue of shares by Holdco provided the Holdco Shareholder Contributions are contributed to the Borrower by way of a Shareholder Contribution and applied by the Borrower in accordance with Clause 8.1 (Initial Prepayment Offers);</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 issue of shares for cash by a member of the Lesaka Group to a minority shareholder provided that following the issue of such shares the pro rata shareholding of all shareholders of that member of the Lesaka Group will remain unchanged;</p>
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    <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 issue of shares by a member of the Lesaka Group to another person as part of a Permitted BEE Transaction, provided such issue does not lead to a Control Event;</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>an issue of shares for purposes of a refinancing provided that all Loans and other Senior Facility Outstandings are, pursuant to such refinancing, prepaid in full at the same time and the Total Commitments are cancelled and reduced to zero;</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>any issue of shares by the Borrower to Holdco provided that those shares by their terms (or by the terms of any security into which they may be convertible or for which they may be exchangeable) are not mandatorily redeemable or redeemable at the option of a holder; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>an issue of shares to a person with the express prior consent of the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.19<font style="width: 29pt; 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;">22.19.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will) make any distribution.&#160; This restriction does not apply to the following distributions (each a <b>Permitted Distribution</b>):</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 distributions made by the Borrower to Holdco and paid into a Secured Account which shall not exceed an aggregate of USD7,500,000 in any financial year;</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 distribution by a member of the Lesaka Group to an Obligor (other than Holdco);</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 other distribution made with the express prior consent of the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.20<font style="width: 28.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Bank accounts</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group incorporated in South Africa will) open or maintain any account or enter into any banking relationship with any branch of any bank or other financial institution providing similar services other than any account maintained with an Acceptable Bank.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.21<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Taxes</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.21.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka 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>the amount under dispute is not in excess of R10,000,000 (or its equivalent in another currency or currencies);</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>adequate reserves are being maintained for those Taxes and the costs required to contest them which have been disclosed in its latest financial statements; 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>such payment can be lawfully withheld.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.21.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No member of the Lesaka Group may change its residence for Tax purposes.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.22<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendments to documents</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.22.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no other member of the Lesaka Group will):</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>amend its memorandum of incorporation or other constitutional documents;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>amend or waive any term of any document delivered to the Facility Agent pursuant to Clause 4.1 (Initial conditions precedent),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">(save for an amendment or waiver which is required to comply with the rules of any listings authority, including the NASDAQ Stock Market, or a procedural or administrative change arising in the ordinary course of administration of the relevant document and is not material) without the express prior consent of the Facility Agent before the Closing Date and, thereafter, in a manner or to an extent which is reasonably likely in any way to adversely affect the interests of the Finance Parties under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.22.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must promptly supply to the Facility Agent a copy of any amendment to or waiver of any of the documents, or any agreement with any shareholder in the Borrower (or any of their Affiliates), in either case referred to in Clause 22.22.1.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.23<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Access</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.23.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Upon reasonable notice by the Facility Agent, each Obligor shall (and the Obligors shall ensure that each other member of the Lesaka Group will) allow any one or more representatives of the Finance Parties and/or accountants or other professional advisers appointed by the Finance Parties to have access during normal business hours to the premises, assets, books and records of that member of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.23.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may not give notice under Clause 22.23.1, unless it reasonably believes that a Default is continuing or may have occurred or may occur and notifies the Borrower that it is exercising its rights under this Clause 22.23.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.24<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Anti-corruption laws and Sanctions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.24.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and the Obligors shall ensure that no 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>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>at any time be a party to or participate in a Sanctioned Transaction in any manner; 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>directly or indirectly use the proceeds of any Senior Facility for any purpose which would breach 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;">22.24.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and the Borrower shall ensure that each 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>take all reasonable steps to ensure that appropriate controls and safeguards are in place, designed to prevent it or any other member of the Group from being or becoming involved in a Sanctioned Transaction; 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>conduct its businesses in compliance with applicable anti-corruption laws and maintain policies and procedures designed to promote and achieve compliance with such laws.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">22.25<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantor coverage</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.25.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall ensure that, at all times after the Closing Date, the aggregate contribution of the Guarantors (calculated on an unconsolidated basis and excluding all intra-group items and investments in Subsidiaries of any member of the Lesaka Group) represents not less than 90.00 per cent. of the gross assets, Consolidated EBITDA and total revenue of the Lesaka Group.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">22.25.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 22.25.3, if, at any time after the Signature Date:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>it is demonstrated by reference to the financial statements of any Subsidiary and the consolidated financial statements of the Group that any member of the Lesaka Group is a Material Subsidiary; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a member of the Lesaka Group otherwise is or becomes a Material Subsidiary,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">then, the Borrower shall, subject to Clause 20.10 (Information Undertakings), promptly and in any event within 10 Business Days of the delivery of those financial statements procure that that Material Subsidiary becomes an Additional Guarantor in the manner required by Clause 25.2 (Additional Guarantors).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.25.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding, Clause 22.25.2, Prism Transactive (M) Sedirian Berhad, a company registered under the laws of Malaysia will not be required to become an Additional Guarantor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.26<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ownership of Guarantors</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.26.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 22.26.3, the Borrower shall ensure that 100 per cent. of the securities in the issued capital of each Guarantor (other than Holdco, SmartSwitch Netherlands and Net1 Applied Technologies Netherlands) are owned, directly or indirectly, legally and beneficially, by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.26.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Holdco shall ensure that 100 per cent. of the securities in the issued capital of SmartSwitch Netherlands and Net1 Applied Technologies Netherlands are owned, directly or indirectly, legally and beneficially, by Holdco.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.26.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding Clauses 22.26.1:</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 Borrower may, directly or indirectly, reduce its shareholding, or the percentage of shares it is entitled to vote, in another Obligor to a minimum amount of 75 per cent. of all such shares and votes, pursuant to one or more Permitted BEE Transactions;</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 may, directly or indirectly, reduce its shareholding, or the percentage of shares it is entitled to vote, in Cash Paymaster to a minimum amount of 70 per cent. of all such shares and votes, pursuant to one or more Permitted BEE Transactions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.27<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition of CCMS Target Company Share</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.27.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall, by no later than 1 Business Day following the Utilisation Date under Senior Facility G and Senior Facility H (or such later date as may be agreed by the Facility Agent in writing), provide evidence acceptable to the Finance Parties 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>the Borrower has acquired for and owns:</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>4,000 ordinary shares in the authorised ordinary share capital of Ovobix;</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>100 ordinary shares in the authorised ordinary share capital of Luxanio</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>340 ordinary B shares in the authorised ordinary share capital of Cash Connect Management Solutions Proprietary Limited; 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>521 ordinary shares in the authorised ordinary share capital of K2021,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">(the <b>CCMS Target Company Shares</b>) pursuant to the CCMS Acquisition Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.27.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall, within 2 Business Day following the Utilisation Date under Senior Facility G (or such later date as may be agreed by the Facility Agent in writing), deliver to the Facility Agent:</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 share certificates in respect of the CCMS Target Company Shares; 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>share transfer forms in respect of the CCMS Target Company Shares, duly signed by the Borrower as transferor and blank as to transferee.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">23.<font style="width: 11.6pt; 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 this Clause 23 (other than 23.16 (Acceleration)) is an Event of Default.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.1<font style="width: 33pt; 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 by it under a Finance Document, at the place and in the currency in which it is expressed to be payable unless:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>that failure to pay is caused by administrative or technical error or a Disruption Event; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>payment is made in full within 3 Business Days of its due date.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial covenants</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any requirement of Clause 21 (Financial Covenants) is not satisfied.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other obligations</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor does not comply, timeously and in full, with any term of Clause 20 (Information Undertakings) or any term of Clauses 22.3 (<i>Pari passu</i> ranking), 22.4 (Negative pledge), 22.5 (Financial Indebtedness), 22.6 (Disposals), 22.7 (Merger), 22.9 (Acquisitions), 22.10 (Joint Ventures), 22.11 (Loans out), 22.12 (Third party guarantees), 22.13 (Treasury Transactions), 22.14 (Arm's length transactions), 22.18 (Share capital), 22.19 (Distributions), 22.20 (Bank accounts), 22.22 (Amendment to documents), 22.24 (Anti-corruption laws and Sanctions) and 22.26 (Ownership of Guarantors).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor does not comply, timeously and in full, with any provision of any Security Document to which it is a party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor fails to comply, timeously and in full, with any provision of a Finance Document (in respect of an Obligor only, other than those referred to in Clauses 23.1, 23.2, 23.3.1 and 23.3.2).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.3.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default under Clause 23.3.3 will occur, if the failure is capable of remedy and is remedied within 5 Business Days of the earlier of (A) the Facility Agent giving notice to the Borrower and (B) any Obligor becoming aware of the failure to comply.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Misrepresentation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 any 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 repeated.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default will occur under Clause 23.4.1 if the circumstances giving rise to the misrepresentation are capable of remedy and are remedied within 10 Business Days of the earlier of (A) the Facility Agent giving notice to the Borrower and (B) any Obligor becoming aware thereof.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cross default and cross acceleration</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any of the following occurs in respect of any Obligor or Material Subsidiary:</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); 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 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>
    <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>is placed on demand;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 11.22pt; 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: 11.67pt; 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;">23.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default will occur under this Clause 23.5 if the aggregate amount of Financial Indebtedness or commitment for Financial Indebtedness falling within Clauses 23.5.1(a) to (c) is less than R10,000,000 (or its equivalent in another currency or currencies).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Obligor or Material Subsidiary is or is deemed for the purposes of any applicable law to be insolvent or unable to pay its debts as they fall due, admits its insolvency or its inability to pay its debts as they fall due, suspends making payments on any of its debts or announces an intention to do so or, by reason of actual or anticipated financial difficulties, commences negotiations with one or more of its creditors with a view to the rescheduling, restructuring or compromise of any of its indebtedness.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Obligor or Material Subsidiary is or is deemed for the purposes of any applicable law to be "Financially Distressed" (as defined in the Companies Act).</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The value of the assets of any Obligor or Material Subsidiary is less than its liabilities (taking into account contingent and prospective liabilities).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.6.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A moratorium is declared, instituted or takes effect in respect of any of the indebtedness of any Obligor or Material Subsidiary (in which event the ending of the moratorium will not remedy any Event of Default caused by that moratorium).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.6.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The filing of an involuntary proceeding in a court of competent jurisdiction in the United States seeking relief under US Bankruptcy Law in respect of any Obligor or Material Subsidiary and either such proceeding shall continue undismissed for 30 days or an order or decree approving or ordering any of the foregoing shall be entered or any Obligor or Material Subsidiary shall consent to the institution of, or fail to contest in a timely and appropriate manner, any such involuntary proceeding.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.6.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The filing of a voluntarily petition by any Obligor or Material Subsidiary under US Bankruptcy Law.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency and business rescue proceedings</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any corporate action, legal proceedings or other procedure or step (including an application to court, proposal or convening of a meeting) is taken with a view to:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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, business rescue or reorganisation (by way of voluntary arrangement, scheme of arrangement or otherwise) of the any Obligor or Material Subsidiary;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 Obligor or Material Subsidiary;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the appointment of a liquidator, receiver, administrative receiver, administrator, compulsory manager, business rescue practitioner or other similar officer in respect of any Obligor or Material Subsidiary or any of its assets; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>enforcement of any Security over any assets of any Obligor or Material Subsidiary,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">or any analogous procedure or step is taken in any jurisdiction;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A meeting is proposed or convened by the directors of any Obligor or Material Subsidiary, 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 any Obligor or Material Subsidiary, or any analogous procedure or step is taken in any jurisdiction.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.8<font style="width: 33pt; 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, sequestration, implementation of any business rescue plan, distress or execution affects any asset or assets of any Obligor or Material Subsidiary.&#160; No Event of Default will occur under this Clause 23.8 if:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the affected assets are not subject to any Transaction Security and the aggregate value of those assets is less than R10,000,000 (or its equivalent in another currency or currencies); or</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.8.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>that expropriation, attachment, sequestration, implementation of any business rescue plan, distress or execution is being contested in good faith and with due diligence and is discharged or set aside within 14 days.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Legal proceedings</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Obligor or Material Subsidiary fails to discharge in full, within 5 Business Days of the due date, any amount&#160; payable pursuant to a final judgment or order made or given by any court or other authority of competent jurisdiction in any litigation, arbitration, administrative, governmental, regulatory or other investigations, proceedings or enquiry (including any such investigations, proceedings or enquiry by any competition authority, environmental authority, tax authority or sector specific regulatory authority).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>For the purposes of Clause 23.9.1, a final judgment or order means a judgment or 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>which is not appealable or is appealable but in respect of which the period for the lodging of an appeal has lapsed and the relevant Obligor or Material Subsidiary (as applicable) has failed to institute appeal proceedings; 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>which is not capable of rescission or is capable of rescission but in respect of which the period for applying for rescission has lapsed and the relevant Obligor or Material Subsidiary (as applicable) has failed to apply for rescission or has applied for rescission of such judgment or order and the application for rescission has been denied.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.10<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessation of business</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any Obligor or Material Subsidiary ceases to carry on all or a substantial part of its business from that undertaken at the Signature Date.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.11<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is or becomes unlawful for a party (other than a Finance Party) to a Finance Document to perform any of its obligations under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any obligation of a party (other than a Finance Party) to a Finance Document, under a Finance Document, for any reason, is not or ceases to be legal, valid, binding, enforceable or effective in accordance with its terms, or is alleged by a party to it (other than a Finance Party) to be ineffective in accordance with its terms, or becomes unlawful.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.11.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Transaction Security created or expressed to be created or evidenced by a Security Document, or any subordination created under a Finance Document, for any reason, is not or ceases to be legal, valid, binding, enforceable or effective, or is alleged by a party to it (other than a Finance Party) to be ineffective, fails or ceases to establish the ranking and the priority of claims which it purports to create, or becomes unlawful.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.11.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>A party (other than a Finance Party) to a Finance Document repudiates that Finance Document or evidences an intention to repudiate a Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.12<font style="width: 29pt; 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, in the reasonable opinion of the Facility Agent (acting on the instructions of all the Lenders), has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.13<font style="width: 29pt; 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 the Lesaka Group qualify the audited annual consolidated financial statements of the Borrower or the audited annual financial statements of any other Obligor.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.14<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Expropriation</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.14.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The authority or ability of any Obligor or Material Subsidiary 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;">23.14.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>By the authority of any governmental, regulatory or other authority or other person:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the management of any Obligor or Material Subsidiary is wholly or substantially replaced; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>all or a majority of the shares of any Obligor or Material Subsidiary 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;">23.15<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka Market Price Trigger Event</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">A Lesaka Market Price Trigger Event occurs and the Parties to the VCP Undertaking fail to comply with that undertaking.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.16<font style="width: 29pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acceleration</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If an Event of Default is continuing, the Facility Agent may, by notice to the Borrower and without prejudice to any other rights or remedies which a Finance Party may have under any Finance Document or at law:</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>cancel all or any part of the Total Commitments (whereupon they shall immediately be cancelled);</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>declare that all or part of the Utilisations, together with accrued interest, and all other Senior Facility Outstandings under a Senior Facility:</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>are immediately due and payable (whereupon they shall become immediately due and payable); and/or</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>are payable on demand (whereupon they shall immediately become payable on demand by the Facility Agent); 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>claim immediate payment of all or part of any Utilisations and other Senior Facility Outstandings (whereupon they shall be immediately payable); and/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>exercise or inform the Finance Parties that they may exercise any or all of their rights, remedies, powers or discretions under the Security Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.16.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any notice given under this Clause shall take effect in accordance with its terms.</p>
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    <p style="text-align: center;"><b>SECTION 8</b><br><b>CHANGES TO PARTIES</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">24.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE LENDERS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessions and delegations by the Lenders</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to this Clause 24, a Lender (the <b>Existing Lender</b>) may cede and/or delegate (a <b>Transfer</b>) any or all of its rights and/or obligations under this Agreement, any Senior Facility Agreement to which it is a party and/or under any other Finance Document to another bank or financial institution or to a trust, fund or other entity which is regularly engaged in or established for the purpose of making, purchasing or investing in loans, securities or other financial assets (a <b>New Lender</b>).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor consents to any splitting of claims which may arise as a result of a Transfer implemented under this Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Conditions of Transfer</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The consent of the Borrower is not required for a Transfer by an Existing Lender if:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender is another Lender or an Affiliate of a Lender;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender is a person identified in Schedule 8 (Acceptable Lenders); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>an Event of Default is continuing.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Except as detailed above, the express consent of the Borrower is required for a Transfer to a prospective New Lender.&#160; Where the consent of the Borrower to a Transfer is required that consent must not be unreasonably withheld or delayed.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower will be deemed to have given its consent 10 Business Days after the Existing Lender has requested it, unless consent is expressly refused by the Borrower within that time.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Transfer will only be effective if the procedure set out in Clause 24.4 is complied with.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each New Lender, by executing the relevant Transfer Certificate confirms, for the avoidance of doubt, that the Facility Agent has authority to execute on its behalf any amendment or waiver that has been approved by or on behalf of the requisite Lender or Lenders in accordance with this Agreement on or prior to the date on which the Transfer becomes effective in accordance with this Agreement and that it is bound by that decision to the same extent as the Existing Lender would have been had it remained a Lender.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitation of responsibility of Existing Lenders</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless expressly agreed to the contrary, an Existing Lender makes no representation or warranty and assumes no responsibility to a New Lender for:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the financial condition of any Obligor;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the performance and observance by any Obligor of its obligations under the Finance Documents or any other documents; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each New Lender confirms to the Existing Lender and the other Finance Parties that it:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 each Obligor and its related entities 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 each Obligor and its related entities whilst any amount is or may be outstanding under the Finance Documents or any Commitment is in force.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Nothing in any Finance Document obliges an Existing Lender to:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 24; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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 any Obligor of its obligations under the Finance Documents or otherwise.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Procedure for transfer</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the conditions set out in Clause 24.2 a Transfer is effected in accordance with Clause 24.4.3 when the Facility Agent executes an otherwise duly completed Transfer Certificate delivered to it by the Existing Lender and the New Lender.&#160; The Facility Agent shall, subject to Clause 24.4.2, as soon as reasonably practicable after receipt by it of a duly completed Transfer Certificate appearing on its face to comply with the terms of this Agreement and delivered in accordance with the terms of this Agreement, execute that Transfer Certificate.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall only be obliged to execute a Transfer Certificate delivered to it by the Existing Lender and the New Lender once it is satisfied it has complied with all necessary know your customer or other similar checks under all applicable laws and regulations that apply to it (if any) in relation to the transfer to such New Lender.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the Transfer Date:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each of the Obligors shall perform their obligations and exercise their rights in relation to the Transferred Rights and Obligations in favour of or against the New Lender, as the case may be;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent, the Arranger, the Debt Guarantor, the New Lender and other Lenders shall acquire the same rights and assume the same obligations between themselves as they would have acquired and assumed had the New Lender been an Original Senior Lender with the rights and/or obligations comprising the Transferred Rights and Obligations;</p>
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    <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 Facility Agent, the Arranger, the Debt Guarantor and the Existing Lender shall be released from further obligations to each other, and the Existing Lender shall be released from further obligations to each other Lender under the Finance Documents to the extent of the Transferred Rights and Obligations; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender shall become a Party as a <b>Lender</b>.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.5<font style="width: 33pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.5.1<font style="width: 52pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Lender Transfers any of its rights or obligations under the Finance Documents; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">24.5.2<font style="width: 52pt; 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 13 (Tax Gross-up and Indemnities) or pay any Increased Cost (as defined in Clause 14 (Changes in Costs)),</p>
    <p style="margin-left: 51.05pt; text-align: justify;">then, unless the Transfer is made by a 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">24.6<font style="width: 33pt; 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 Facility Agent shall send to the Borrower a copy of each Transfer Certificate executed by it in accordance with Clause 24.4.1 as soon as reasonably practicable after it has executed any such Transfer Certificate.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">25.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE OBLIGORS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">25.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfers by the Obligors</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor may cede any of its rights or delegate any of its obligations under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">25.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional Guarantors</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">25.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Borrower:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>requests that a member of the Lesaka Group becomes an Additional Guarantor; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is required under this Agreement to ensure that any member of the Lesaka Group becomes an Additional Guarantor,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">it must give not less than 10 Business Days' prior notice to the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">25.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must ensure that any member of the Lesaka Group which is required to become a Guarantor under this Agreement supplies to the Facility Agent all the documents and evidence set out in Part II of Schedule 2 (Conditions Precedent), in form and substance satisfactory to it.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The relevant member of the Lesaka Group will become an Additional Guarantor on the date of the Accession Letter executed by it.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">25.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must comply with Clause 25.2.1 within 14 days of any member of the Lesaka Group becoming a Material Subsidiary.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">25.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repetition of Representations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Delivery of an Accession Letter constitutes confirmation by the relevant Subsidiary that the Repeating Representations are true and correct in relation to it as at the date of delivery as if made by reference to the facts and circumstances then existing.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Resignation of a Guarantor</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may request that a Guarantor (other than the Borrower) ceases to be a Guarantor by delivering to the Facility Agent a Resignation Letter.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall accept a Resignation Letter and notify the Borrower and the Lenders of its acceptance if:</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>no Default is continuing or would result from the acceptance of the Resignation Letter (and the Borrower has confirmed this is the case); and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>all the Lenders have consented to the Borrower's request.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">26.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE DEBT GUARANTOR</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Debt Guarantor may not cede any of its rights or delegate any of its obligations under the Finance Documents without the consent of all the Lenders.&#160; For purposes of this Clause 26 (Changes to the Debt Guarantor), a cession or delegation shall include any form of transfer of the Debt Guarantor's rights and/or obligations under a Finance Document, or the change in legal entity which has rights and/or obligations of the Debt Guarantor under a Finance Document, whether by operation of law or by way of or following an amalgamation or merger under section 113 of the Companies Act.</p>
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    <p style="text-align: center;"><b>SECTION 9</b><br><b>THE FINANCE PARTIES</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">27.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>THE ADMINISTRATIVE PARTIES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">27.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Role of the Arranger</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as specifically provided in the Finance Documents, the Arranger has no obligations of any kind to any other Party under or in connection with any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Under the Intercreditor Agreement each Lender has appointed the Facility Agent to act as its facility agent under and in connection with the Finance Documents including, in respect of the Senior Facilities, the disbursement of Loans, the receipt of amounts payable to the Lenders under the Finance Documents, any amendments of, or waivers or consents under, the applicable Finance Documents, the receipt of documents and information required to be delivered to the Lenders under the Finance Documents, the receipt of notices from the Borrower to the Finance Parties (or any of them) under the Finance Documents, and the giving of notices to the Borrower by the Finance Parties (or any of them) under the Finance Documents (together, the <b>Agency Matters</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A reference to the Facility Agent in any Finance Document, is a reference to the Facility Agent acting in its capacity as such.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Obligors:</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>may assume that the Facility Agent is duly authorised to represent the other Finance Parties in all Agency Matters and that all actions taken by the Facility Agent in connection with an Agency Matter are duly authorised;</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>are not entitled nor obliged directly to deal with, or act on the instructions of, a Finance Party other than the Facility Agent, unless expressly otherwise provided in a Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A reference in a Finance Document to any action undertaken or required to be undertaken by the Facility Agent in relation to an Agency Matter (including the exercise of any discretion under the Finance Documents) is a reference to the Facility Agent acting as the duly authorised agent of the Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor shall have no claim against the Facility Agent for the recovery of any losses or damages which it may suffer as a result of anything which the Facility Agent does, or omits to do, in good faith in performing its functions as the Facility Agent under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent is authorised to give instructions to the Debt Guarantor in relation to the enforcement by the Debt Guarantor of its rights and the performance of its obligations under the Finance Documents to which the Debt Guarantor is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Instructions to Debt Guarantor</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Finance Parties (other than the Debt Guarantor) agree, without prejudice to the rights and obligations of the Debt Guarantor under the Finance Documents, that (as between the Finance Parties) the Facility Agent has the sole and exclusive right to give instructions and directives to the Debt Guarantor for the exercise or enforcement of any of the rights, remedies, powers, authority or discretions of the Debt Guarantor under the Finance Documents, or to commence, pursue, conclude or settle any legal proceedings against an Obligor in any applicable jurisdiction on behalf of the Finance Parties or any of them in connection with the Finance Documents.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Debt Guarantor shall comply with all such instructions and directives of the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Administrative Party is authorised to act in the name of another Finance Party in any legal proceedings in connection with a Finance Document without first obtaining that Finance Party's consent (and, in the case of the Debt Guarantor, that consent shall be provided through the Facility Agent).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">28.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SHARING AMONG THE FINANCE PARTIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payments to Finance Parties</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If a Finance Party (a Recovering Finance Party) receives or recovers any amount from an Obligor other than in accordance with Clause 31 (Payment Mechanics) (a Recovered Amount) and applies that amount to a payment due under the Finance Documents then:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Recovering Finance Party shall, within 3 Business Days, notify details of the receipt or recovery, to the Facility Agent;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall determine whether the receipt or recovery is in excess of the amount the Recovering Finance Party would have been paid had the receipt or recovery been received or made by the Facility Agent and distributed in accordance with Clause 31 (Payment Mechanics), without taking account of any Tax which would be imposed on the Facility Agent in relation to the receipt, recovery or distribution; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Recovering Finance Party shall, within 3 Business Days of demand by the Facility Agent, pay to the Facility Agent an amount (the Sharing Payment) equal to such receipt or recovery less any amount which the Facility Agent determines may be retained by the Recovering Finance Party as its share of any payment to be made.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Redistribution of payments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent shall treat the Sharing Payment as if it had been paid by the relevant Obligor and distribute it between the Finance Parties (other than the Recovering Finance Party) (the <b>Sharing Finance Parties</b>) in accordance with the Intercreditor Agreement towards the obligations of that Obligor to the Sharing Finance Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Recovering Finance Party's rights</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>On a distribution by the Facility Agent under Clause 28.2 of a payment received by a Recovering Finance Party from that Obligor, as between the relevant Obligor and the Recovering Finance Party, an amount of the Recovered Amount equal to the Sharing Payment will be treated as not having been paid by that Obligor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If and to the extent that the Recovering Finance Party is not able to rely on its rights under Clause 28.3.1 (that is, an amount equal to the Sharing Payment is treated as having been paid by the relevant Obligor), the Obligors shall be liable to the Recovering Finance Party for a debt equal to the Sharing Payment which is immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reversal of redistribution</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any part of the Sharing Payment received or recovered by a Recovering Finance Party becomes repayable and is repaid by that Recovering Finance Party, then:</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Sharing Finance Party shall, upon request of the Facility Agent, pay to the Facility Agent for the account of that Recovering Finance Party an amount equal to the appropriate part of its share of the Sharing Payment (together with an amount as is necessary to reimburse that Recovering Finance Party for its proportion of any interest on the Sharing Payment which that Recovering Finance Party is required to pay) (the Redistributed Amount); and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>as between the relevant Obligor and each relevant Sharing Finance Party, an amount equal to the relevant Redistributed Amount will be treated as not having been paid by that Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.5<font style="width: 33pt; 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;">28.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 28 shall not apply to the extent that the Recovering Finance Party would not, after making any payment pursuant to this Clause, have a valid and enforceable claim against the Obligors.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">28.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Recovering Finance Party is not obliged to share with any other Finance Party any amount which the Recovering Finance Party has received or recovered as a result of taking legal or arbitration proceedings, if:</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>it notified that other Finance Party of the legal or arbitration proceedings; 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>that other Finance Party had an opportunity to participate in those legal or arbitration proceedings but did not do so as soon as reasonably practicable having received notice and did not take separate legal or arbitration proceedings.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">29.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONDUCT OF BUSINESS BY THE FINANCE PARTIES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">No provision of this Agreement will:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>interfere with the right of any Finance Party to arrange its affairs (tax or otherwise) in whatever manner it thinks fit;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>oblige any Finance Party to investigate or claim any credit, relief, remission or repayment available to it or the extent, order and manner of any claim; or</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>oblige any Finance Party to disclose any information relating to its affairs (tax or otherwise) or any computations in respect of Tax.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">30.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FINANCE PARTY RIGHTS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Clauses 27 (The Administrative Parties) to Clause 28 (Sharing Among the Finance Parties) are for the benefit of the Finance Parties only.&#160; The Obligors do not have any rights or benefits under those Clauses.</p>
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    <p style="text-align: center;"><b>SECTION 10</b><br><b>ADMINISTRATION</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">31.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PAYMENT MECHANICS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payments to the Facility Agent</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>On each date on which an Obligor or a Lender is required to make a payment under a Finance Document, that Obligor or Lender shall make the same available to the Facility Agent (unless a contrary indication appears in a Finance Document) in Rand for value by no later than 12h00 (Johannesburg time) on the due date and in such funds specified by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All such payments shall be made to such account in South Africa with such bank as the Facility Agent may specify by notice to the Borrower.&#160; Until otherwise notified by the Facility Agent from time to time, its bank account details for these purposes are as follows:</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Bank:<font style="width: 98.48pt; display: inline-block;">&#160;</font>First National Bank</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Branch:<font style="width: 90.59pt; display: inline-block;">&#160;</font>RMB Corporate Banking</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Branch Number:<font style="width: 55.24pt; display: inline-block;">&#160;</font>255005</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Account Number:<font style="width: 50.29pt; display: inline-block;">&#160;</font>506 1901 6740</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Account Name:<font style="width: 59.19pt; display: inline-block;">&#160;</font>RMB Domestic Money Market Account</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Reference:<font style="width: 78.63pt; display: inline-block;">&#160;</font>IBD MAP NET</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Distributions to an Obligor</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent may (with the consent of the Obligor or in accordance with Clause 32 (Set-off)) apply any amount received by it for that Obligor in or towards payment (on the date and in the currency and funds of receipt) of any amount due from that Obligor under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Clawback</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where a sum is to be paid to the Facility Agent under the Finance Documents for another Party, the Facility Agent is not obliged to pay that sum to that other Party (or to enter into or perform any related exchange contract) until it has been able to establish to its satisfaction that it has actually received that sum.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent pays an amount to another Party and it proves to be the case that the Facility Agent had not actually received that amount, then the Party to whom that amount (or the proceeds of any related exchange contract) was paid by the Facility Agent shall on demand refund the same to the Facility Agent together with interest on that amount from the date of payment to the date of receipt by the Facility Agent, calculated by the Facility Agent to reflect its cost of funds.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No set-off by Obligors</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;">31.5<font style="width: 33pt; 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;">31.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 7.9 (Application of partial prepayments) in respect of the application of partial payments as between the Senior Facility Lenders, if the Facility Agent receives a payment that is insufficient to discharge all the amounts then due and payable by an Obligor under the Finance Documents, the Facility Agent shall apply that payment towards the obligations of that Obligor under the Finance Documents in the following order:</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><b>first</b>, in or towards payment <i>pro rata</i> of any unpaid fees, costs and expenses of the Facility Agent 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>second</b>, in or towards payment <i>pro rata</i> of any accrued interest, fees, Break Costs or commission due but unpaid 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><b>third</b>, in or towards payment <i>pro rata</i> of any principal due but unpaid under the Finance 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><b>fourth</b>, in or towards payment <i>pro rata</i> 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;">31.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 31.5 will override any appropriation made by an Obligor other than in accordance with Clause 7.9.1 (Application of partial prepayments).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business Days</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a payment under the Finance Documents is due on a day which is not a Business Day, the due date for that payment will instead be 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>During any extension of the due date for payment of any principal or Unpaid Sum under a Senior Facility Agreement interest is payable on the principal or Unpaid Sum at the rate payable on the original due date, subject to any provisions in a Senior Facility Agreement relating to the accrual and payment of default interest.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Currency of account</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the provisions of this Clause below, Rand is the currency of account and payment for any sum due from an Obligor under any Finance Document.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.7.2<font style="width: 51pt; 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>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any amount expressed to be payable in a currency other than Rand shall be paid in that other currency.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">31.8<font style="width: 33pt; 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 either the Facility Agent determines (in its discretion) that a Disruption Event has occurred or the Facility Agent is notified by the Borrower that a Disruption Event has occurred:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent 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 Facilities as the Facility Agent may deem necessary in the circumstances;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall not be obliged to consult with the Borrower in relation to any changes mentioned Clause 31.8.1 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall consult with the Finance Parties in relation to any changes mentioned in Clause 31.8.1 but shall not be obliged to do so if, in its opinion, it is not practicable to do so in the circumstances;</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any such changes agreed upon by the Facility Agent 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 35 (Amendments and Waivers);</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall not be liable for any damages, costs or losses whatsoever arising as a result of its taking, or failing to take, any actions pursuant to or in connection with this Clause 31.8; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">31.8.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall notify the Finance Parties of all changes agreed pursuant to Clause 31.8.4.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">32.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SET-OFF</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">A Finance Party may set off any matured obligation due from an Obligor under the Finance Documents (to the extent beneficially owned by that Finance Party) against any matured obligation owed by that Finance Party to that Obligor, regardless of the place of payment, booking branch or currency of either obligation.&#160; If the obligations are in different currencies, the Finance Party 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">33.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CALCULATIONS AND CERTIFICATES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">33.1<font style="width: 33.5pt; 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 a Finance Party are prima facie evidence of the matters to which they relate.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">33.2<font style="width: 33.5pt; 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 a Finance Party of a rate or amount under any Finance Document is, in the absence of manifest error, prima facie evidence of the matters to which it relates.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">33.3<font style="width: 33.5pt; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">34.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>NOTICES</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Communications in writing</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">34.1.1<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 fax or letter.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">34.1.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Communications in connection with a Finance Document (other than a Utilisation Request, a Compliance Certificate, a Transfer Certificate, an Accession Letter, a Resignation Letter, a notice of Default or any consent, waiver or agreement requested under a Finance Document) may also be given by email or any other form of electronic communication previously approved in writing by the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.2<font style="width: 33.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Addresses</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The address and fax number (and the department or officer, if any, for whose attention the communication is to be made) of each Party for any communication or document to be made or delivered under or in connection with the Finance Documents is:</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.2.1<font style="width: 51pt; 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-top: 0pt; margin-bottom: 0pt;">Address:<font style="width: 92pt; display: inline-block;">&#160;</font>6<sup>th</sup> Floor, President Place</p>
    <p style="text-align: justify; margin-left: 357.1pt; text-indent: -153.1pt; margin-top: 0pt; margin-bottom: 0pt;">Corner of Jan Smuts Avenue and Bolton Road</p>
    <p style="text-align: justify; margin-left: 357.1pt; text-indent: -153.1pt; margin-top: 0pt; margin-bottom: 0pt;">Rosebank</p>
    <p style="text-align: justify; margin-left: 357.1pt; text-indent: -153.1pt; margin-top: 0pt; margin-bottom: 0pt;">2196</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Email address:<font style="width: 68.41pt; display: inline-block;">&#160;</font>naeem.kola@lesakatech.com</p>
    <p style="margin-left: 76.55pt; text-align: justify;">For the attention of:<font style="width: 47.83pt; display: inline-block;">&#160;</font>Naeem Kola</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of each other Obligor, the address and other details specified for the Borrower in Clause 34.2.1;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of the Facility Agent (in its capacity as such):</p>
    <p style="margin-left: 76.55pt; margin-bottom: 0pt; text-align: justify;">Address:<font style="width: 92pt; display: inline-block;">&#160;</font>1 Merchant Place</p>
    <p style="margin-top: 0pt; margin-left: 204pt; margin-bottom: 0pt; text-align: justify;">14<sup>th</sup> Floor</p>
    <p style="margin-top: 0pt; margin-left: 204pt; margin-bottom: 0pt; text-align: justify;">Cnr Fredman Drive and Rivonia Road</p>
    <p style="margin-top: 0pt; margin-left: 204.1pt; text-align: justify;">Sandton, 2196</p>
    <p style="text-align: justify; margin-left: 204pt; text-indent: -127.45pt;">Email address:<font style="width: 67.81pt; text-indent: 0pt; display: inline-block;">&#160;</font>xxx<br>xxx<br>xxx<br>xxx<br>xxx<br>xxx</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Fax number:<font style="width: 76.42pt; display: inline-block;">&#160;</font>+27 (11) 282 4043</p>
    <p style="text-align: justify; margin-left: 204.15pt; text-indent: -127.6pt;">For the attention of:<font style="width: 47.83pt; text-indent: 0pt; display: inline-block;">&#160;</font>Head of Transaction Management - Investment Banking Division</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">34.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of the Debt Guarantor:</p>
    <p style="margin-left: 76.55pt; margin-bottom: 0pt; text-align: justify;">Address<font style="width: 94.87pt; display: inline-block;">&#160;</font>7<sup>th</sup> Floor, Letterstedt House</p>
    <p style="margin-top: 0pt; margin-left: 76.55pt; margin-bottom: 0pt; text-align: justify;"><font style="width: 127.55pt; display: inline-block;">&#160;</font>Cnr Main &amp; Campground Roads</p>
    <p style="margin-top: 0pt; margin-left: 76.55pt; margin-bottom: 0pt; text-align: justify;"><font style="width: 127.55pt; display: inline-block;">&#160;</font>Newlands 7700</p>
    <p style="margin-top: 0pt; margin-left: 76.55pt; text-align: justify;"><font style="width: 127.55pt; display: inline-block;">&#160;</font>South Africa</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Email address<font style="width: 71.19pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="text-align: justify; margin-left: 204.15pt; text-indent: -127.6pt;">For the attention of<font style="width: 50.61pt; text-indent: 0pt; display: inline-block;">&#160;</font>Amanda Collis</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.2.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of each Original Senior Lender (in its capacity as such), the address and other details specified opposite its name in Part II of Schedule 1 (The Original Parties);</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.2.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of any other Lender or Obligor, those details notified in writing to the Facility Agent on or before the date on which it becomes a Party,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">or any substitute address or fax number or department or officer as the Party may notify to the Facility Agent (or the Facility Agent may notify to the other Parties, if a change is made by the Facility Agent) by not less than five Business Days' notice.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Domicilia</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Party chooses its physical address provided under or pursuant to Clause 34.2 as its <i>domicilium citandi et executandi</i> at which documents in legal proceedings in connection with a Finance Document may be served.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Party may by written notice to the other Parties change its <i>domicilium</i> from time to time to another address, not being a post office box or a <i>poste restante</i>, in South Africa, provided that any such change shall only be effective on the fourteenth day after deemed receipt of the notice by the other Parties under Clause 34.4.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Delivery</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.4.1<font style="width: 51pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if by way of fax, be deemed to have been received on the first Business Day following the date of transmission provided that the fax is received in legible form;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>if by way of courier service, be deemed to have been received on the seventh Business Day following the date of such sending,</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 under Clause 34.2, if such communication or document is addressed to that department or officer.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication or document to be made or delivered to the Facility Agent or the Debt Guarantor will be effective only when actually received by the Facility Agent or the Debt Guarantor (as the case may be) and then only if it is expressly marked for the attention of the department or officer identified with the Facility Agent's signature below (or any substitute department or officer as the Facility Agent or the Debt Guarantor shall specify for this purpose).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligors</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All communications under the Finance Documents to or from an Obligor must be sent through the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All communications under the Finance Documents to or from an Obligor (other than the Borrower) must be sent through the Borrower.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor (other than the Borrower) irrevocably appoints the Borrower to act as its agent in relation to the Finance Documents and irrevocably authorises:</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 Borrower on its behalf to supply all information concerning itself contemplated by this Agreement to the Finance Parties and to give all notices, information and instructions (including, in the case of the Borrower, Utilisation Requests), to execute on its behalf all documents under or in connection with the Finance Documents (including any Accession Letter), to make such agreements and to effect the relevant amendments, supplements and variations capable of being given, made or effected by any Obligor notwithstanding that they may affect the Obligor, without further reference to or the consent of that Obligor; 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>each Finance Party to give any notice, demand or other communication to that Obligor pursuant to the Finance Documents to the Borrower, and in each case the Obligor shall be bound as though the Obligor itself had given the notices, information and instructions or executed or made the agreements or effected the amendments, supplements or variations, or received the relevant notice, demand or other communication.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Every act, omission, agreement, undertaking, settlement, waiver, amendment, supplement, variation, notice or other communication given or made by the Borrower or given to the Borrower under any Finance Document on behalf of another Obligor or in connection with any Finance Document (whether or not known to any other Obligor and whether occurring before or after such other Obligor became an Obligor under any Finance Document) shall be binding for all purposes on that Obligor as if that Obligor had expressly made, given or concurred with it. In the event of any conflict between any notices or other communications of the Borrower and any other Obligor, those of the Borrower shall prevail.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication given to the Borrower in connection with a Finance Document will be deemed to have been given also to the other Obligors.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.5.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party may assume that any communication made by the Borrower on behalf of an Obligor is made with the knowledge and consent of that Obligor.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of address and fax number</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Upon receipt of notification of an address or fax number or change of address or fax number pursuant to Clause 34.2, or changing its own address or fax number, the Facility Agent shall notify the other Parties as soon as reasonably practicable.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Electronic communication</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication to be made between the Facility Agent or the Debt Guarantor and a Lender under or in connection with the Finance Documents may be made by electronic mail or other electronic means, if the Facility Agent or the Debt Guarantor (as the case may be) and the relevant Lender:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>agree that, unless and until notified to the contrary, this is to be an accepted form of communication;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>notify each other in writing of their electronic mail address and/or any other information required to enable the sending and receipt of information by that means; and</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>notify each other of any change to their address or any other such information supplied by them.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">34.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any electronic communication made between the Facility Agent or the Debt Guarantor (as the case may be) and a Lender will be effective only when actually received in readable form and in the case of any electronic communication made by a Lender to the Facility Agent or the Debt Guarantor (as the case may be) only if it is addressed in such a manner as the Facility Agent or the Debt Guarantor (as the case may be) shall specify for this purpose.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">34.8<font style="width: 33pt; 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>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">35.<font style="width: 11.6pt; 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;">35.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>A term of the Finance Documents may be amended or waived only with the consent of the Facility Agent (acting on the instructions of the applicable Finance Parties under the Intercreditor Agreement) and the Obligors.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">35.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may effect and execute, on behalf of any Finance Party, any amendment or waiver permitted by this Clause.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">35.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amendment or waiver contemplated by this Clause 35 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">35.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>An amendment of any provision of Clauses 27 (The Administrative Parties) may be effected without the consent of or notice to any Obligor, provided that such amendment does not place any additional obligation or liability on any Obligor.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">36.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONFIDENTIALITY</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidential Information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Finance Party agrees to keep all Confidential Information confidential and not to disclose it to anyone, save to the extent permitted by Clause 36.2, 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disclosure of Confidential Information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any Finance Party may disclose:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.2.1<font style="width: 51pt; 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 that Finance Party shall consider appropriate if any person to whom the Confidential Information is to be given pursuant to this Clause 36.2.1 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any other person:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; 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 one or more Obligors and to any of that person's Affiliates, Related Funds, Representatives and professional advisers;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>appointed by any Finance Party or by a person to whom paragraphs (a) or (b) above applies to receive communications, notices, information or documents delivered pursuant to the Finance Documents on its behalf;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; 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 paragraphs (a) or (b) above;</p>
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    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; 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>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(f)<font style="width: 14.56pt; 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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>who is a Party; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with the express prior consent of the Borrower,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, such Confidential Information as that Finance Party shall consider appropriate if:</p>
    <p style="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(i)<font style="width: 16.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to paragraphs (a), (b) and (c) above, 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="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(ii)<font style="width: 13.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to paragraph (d) above, 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="text-align: justify; margin-left: 127.6pt; text-indent: -25.55pt;">(iii)<font style="width: 10.72pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to paragraphs (e), (f) and (g) above, 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 that Finance Party, it is not practicable so to do in the circumstances; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Obligors.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Entire agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Clause 36 constitutes the entire agreement between the Parties in relation to the obligations of the Finance Parties under the Finance Documents regarding Confidential Information and supersedes any previous agreement, whether express or implied, regarding Confidential Information.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Inside information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each of the Finance Parties 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 each of the Finance Parties undertakes not to use any Confidential Information for any unlawful purpose.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of disclosure</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each of the Finance Parties agrees (to the extent permitted by law and regulation) to inform the Borrower:</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the circumstances of any disclosure of Confidential Information made pursuant to Clause 36.2.2(d) above 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>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon becoming aware that Confidential Information has been disclosed in breach of this Clause 36.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">36.6<font style="width: 33pt; 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 36 are continuing and, in particular, shall survive and remain binding on each Finance Party for a period of twelve months from the earlier of:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which all amounts payable by the Obligors under or in connection with the Finance Documents have been paid in full and all Commitments have been cancelled or otherwise cease to be available; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">36.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which such Finance Party otherwise ceases to be a Finance Party.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">37.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GENERAL PROVISIONS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sole agreement</b></p>
    <p style="margin-left: 51.05pt; 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No implied terms</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Party shall be bound by any express or implied term, representation, warranty, promise or the like, not recorded in a Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Rights and remedies</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No failure to exercise, nor any delay in exercising, on the part of any Finance Party, 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.&#160; The rights and remedies of each Finance Party under the Finance Documents:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">37.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>are cumulative and not exclusive of its rights under the general law</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">37.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>may be exercised as often as the Finance Party requires;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">37.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>may be waived only in writing and specifically.</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Delay in the exercise or non-exercise of any right is not a waiver of that right.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Extensions and waivers</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No latitude, extension of time or other indulgence which may be given or allowed by any Party to any other Party in respect of the performance of any obligation or enforcement of any right under a Finance Document, and no single or partial exercise of any right by any Party, shall be construed to be an implied consent by such Party or operate as a waiver or a novation of, or otherwise affect any of that Party's rights under or in connection with a&#160; 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 a Finance Document.</p>
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    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Partial invalidity</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If, at any time, any provision of a Finance Document 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.&#160; The term <b>inoperable</b> in this Clause 37.5 shall include, without limitation, inoperable by way of suspension or cancellation.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Renunciation of benefits</b></p>
    <p style="margin-left: 51.05pt; 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Further assurances</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor must perform, or procure the performance, of all further things, and execute and deliver (or procure the execution and delivery) of all further documents, as may be required by any applicable law or regulation or as may be necessary or desirable to:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>register any Security Documents in any applicable statutory public register;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>create, perfect, protect and maintain the Security Interests created or intended to be created under or evidenced by the Security Documents or for the exercise of any rights, powers and remedies of the Debt Guarantor or the Finance Parties provided by or pursuant to the Finance Documents or by law;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>facilitate the realisation of the assets which are, or are intended to be, the subject of the Transaction Security; and/or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.7.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>implement or otherwise give effect to this Agreement and the other Finance Documents and the transactions contemplated therein.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Independent advice</b></p>
    <p style="margin-left: 51.05pt; 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.&#160; 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>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">37.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Counterparts</b></p>
    <p style="margin-left: 51.05pt; 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>
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    <p style="text-align: center;"><b>SECTION 11</b><br><b>GOVERNING LAW AND ENFORCEMENT</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">38.<font style="width: 11.6pt; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">39.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JURISDICTION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">39.1<font style="width: 33pt; 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 a Finance Document or any non-contractual obligation arising out of or in connection with a Finance Document) (a <b>dispute</b>).</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">39.2<font style="width: 33pt; 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.&#160; The Parties agree not to argue to the contrary and waive objection to this court on the grounds of inconvenient forum or otherwise in relation to proceedings in connection with any Finance Document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">39.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 39 is for the benefit of the Finance Parties only.&#160; As a result, no Finance Party shall be prevented from taking proceedings relating to a dispute in any other court with jurisdiction.&#160; To the extent allowed by law, a Finance Party may take concurrent proceedings in any number of jurisdictions.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">40.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>WAIVER OF JURY TRIAL</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>EACH PARTY HERETO HEREBY WAIVES ANY RIGHT IT MAY HAVE TO A JURY TRIAL IN RESPECT OF ANY LITIGATION IN ANY UNITED STATES FEDERAL OR STATE COURT DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT OR ANY OF THE OTHER FINANCE DOCUMENTS OR ANY DEALINGS BETWEEN THE PARTIES RELATING TO THE SUBJECT MATTER OF THIS LOAN TRANSACTION OR THE LENDER/BORROWER/GUARANTOR RELATIONSHIP.</b> Each party hereto hereby acknowledges that this waiver is a material inducement to enter into a business relationship, it has relied on this waiver in entering into this Agreement, and it will continue to rely on this waiver in related future dealings. Each party hereto hereby further warrants and represents that it has reviewed this waiver with its legal counsel and it knowingly and voluntarily waives its jury trial rights following consultation with legal counsel. <b>THIS WAIVER IS IRREVOCABLE AND MAY NOT BE MODIFIED OTHER THAN BY A WRITTEN WAIVER SPECIFICALLY REFERRING TO THIS CLAUSE 40 AND EXECUTED BY EACH OF THE PARTIES HERETO.</b> In the event of litigation, this Agreement may be filed as a written consent to a trial by the court.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">41.<font style="width: 11.6pt; 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:</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">41.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees not to claim any immunity from suit, execution, attachment or other legal process brought by a Finance Party against it in relation to a Finance Document, and to ensure that no such claim is made on its behalf;</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">41.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>consents generally to the giving of any relief or the issue of any process in connection with those proceedings; and</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">41.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>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>
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    <p style="text-align: justify;"><b>THIS AGREEMENT</b> has been entered into on the date stated at the beginning of this Agreement.</p>
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    <p style="text-indent: 368.55pt; text-align: center;"><b>SCHEDULE 1 </b><br><b>THE ORIGINAL PARTIES</b></p>
    <p style="text-align: center;"><b>Part I</b><br><b>The Original Obligors</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 4%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>&#160;</b></p>
            </td>
            <td style="width: 43%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Name of Borrower</b></p>
            </td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Jurisdiction of <br>Incorporation</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Registration number</b><br><b>(or equivalent, if any)</b></p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>1.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Lesaka Technologies Proprietary Limited (formerly known as Net1 Applied Technologies South Africa Proprietary Limited)</p>
            </td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2002/031446/07</p>
            </td>
        </tr>
    </table>
    <br>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 4%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>&#160;</b></p>
            </td>
            <td style="width: 43%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Name of Original Guarantor</b></p>
            </td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Jurisdiction of <br>Incorporation</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Registration number</b><br><b>(or equivalent, if any)</b></p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>1.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Lesaka Technologies, Inc. (formerly known as Net1 UEPS Technologies, Inc.)</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">State of Florida, United States</p>
            </td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">98-0171860</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>2.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Lesaka Technologies Proprietary Limited (formerly known as Net1 Applied Technologies South Africa Proprietary Limited)</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2002/031446/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>3.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>EasyPay Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1983/008597/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>4.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Moneyline Financial Services Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1998/020799/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>5.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Net1 Applied Technologies Netherlands BV</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Netherlands</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">34307123</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>6.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Net1 Finance Holdings Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1998/020801/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>7.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Prism Holdings Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1998/018949/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>8.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Prism Payment Technologies Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1990/005062/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>9.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Pros Software Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2005/043662/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>10.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>RMT Systems Proprietary Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2001/028826/07</p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>11.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>SmartSwitch Netherlands Holdings BV</p>
            </td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Netherlands</p>
            </td>
            <td style="width: 23%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">76723178</p>
            </td>
        </tr>
    </table>
    <br>
    <div id="footer_page_124">
        <p style="text-align: center;">109</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_125"></a>
    <p style="text-align: center;"><b>Part II</b><br><b>The Original Senior Lenders</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 2%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt 10.78pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>&#160;</b></td>
            <td style="width: 9%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Original Senior <br>Lender</b></td>
            <td style="width: 29%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Address for Purposes of Clause 34 (Notices)</b></td>
            <td style="width: 16%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Senior Facility E</b><br><b>Commitment</b></td>
            <td style="width: 16%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Senior Facility G</b><br><b>Commitment</b></td>
            <td style="width: 16%; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; padding: 2.48pt 5.28pt 2.85pt; border-top: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Senior Facility H</b><br><b>Commitment</b></td>
        </tr>
        <tr>
            <td style="border-left: 0.75pt solid #000000; width: 2%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt 10.78pt; text-align: center;"><b>&#160;</b></td>
            <td style="border-left: 0.75pt solid #000000; width: 9%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt; text-align: center;">[Column 2]</td>
            <td style="border-left: 0.75pt solid #000000; width: 29%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt; text-align: center;">[Column 3]</td>
            <td style="border-left: 0.75pt solid #000000; width: 16%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt; text-align: center;">[Column 4]</td>
            <td style="border-left: 0.75pt solid #000000; width: 16%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt; text-align: center;">[Column 5]</td>
            <td style="border-left: 0.75pt solid #000000; width: 16%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2.85pt 5.28pt 2.48pt; text-align: center;">[Column 6]</td>
        </tr>
        <tr>
            <td style="width: 2%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: justify;">1</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top; padding-left: 6pt;">FirstRand Bank Limited (acting through its Rand Merchant Bank division)</td>
            <td style="width: 29%; padding: 2.48pt 5.28pt 2.48pt 20.58pt; vertical-align: top; border: 0.75pt solid #000000; text-align: justify;">1 Merchant Place, 14th Floor<br>Cnr Fredman Drive and Rivonia Road<br>Sandton, 2196<br>Fax:<font style="width: 11.09pt; display: inline-block;">&#160;</font>+27 11 282 4056<br>Email:<font style="width: 4.42pt; display: inline-block;">&#160;</font>xxx<br><font style="width: 31.15pt; display: inline-block;">&#160;</font>xxx<br><font style="width: 30.65pt; display: inline-block;">&#160;</font>xxx<br><font style="width: 30.15pt; display: inline-block;">&#160;</font>xxx<br><font style="width: 29.65pt; display: inline-block;">&#160;</font>xxx<br><font style="width: 29.15pt; display: inline-block;">&#160;</font>xxx<br>Att: Head of Transaction Management: Investment Banking</td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">ZAR1,400,000,000</td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">ZAR708,579,281.66</td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">ZAR357,388,327.40</td>
        </tr>
        <tr>
            <td style="width: 44%; padding: 2.48pt 5.28pt 2.85pt 5.65pt; vertical-align: top; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; text-align: justify;" colspan="3">&#160;</td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;"><b>ZAR1,400,000,000</b></td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;"><b>ZAR708,579,281.66 </b></td>
            <td style="width: 16%; padding: 2.48pt 5.28pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;"><b>ZAR357,388,327.40 </b></td>
        </tr>
    </table>
    <br>
    <div id="footer_page_125">
        <p style="text-align: center;">110</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_126"></a>
    <p style="text-align: right;"><b>SCHEDULE 2</b></p>
    <p style="text-align: center;"><b>CONDITIONS PRECEDENT</b></p>
    <p style="text-align: center;"><b>Part I</b><br><b>Conditions Precedent to initial Utilisation</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>ORIGINAL OBLIGORS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the constitutional documents of each Original Obligor.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a resolution of the board of directors of each Original Obligor and other members of the Group which are party to a Finance Document:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.1<font style="width: 56pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising it, for all purposes required under sections 45 and/or 46 of the Companies Act (as applicable), to provide the "<i>financial assistance</i>" and to make any "<i>distribution</i>" that may arise as a result of its entry into the Finance Documents to which it is a party;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.3<font style="width: 56pt; 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="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.2.4<font style="width: 56pt; 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 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a special resolution duly passed by the holders of the issued shares of each Original Guarantor authorising it, for all purposes required under section 45 of the Companies Act, to provide the "<i>financial assistance</i>" that may arise as a result of its entry into the Finance Documents to which it is a party.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A specimen of the signature of each person authorised by the resolution referred to in paragraph 1.2.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate of the Borrower and each other Original Obligor (signed by a director or other authorised signatory):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.5.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirming that borrowing or guaranteeing, as appropriate, the Total Commitments would not cause any borrowing, guaranteeing or similar limit binding on it to be exceeded.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.5.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>certifying that each copy document relating to it specified in this Part I of Schedule 2 is correct, complete and in full force and effect as at a date no earlier than the Closing Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate of the Borrower (signed by a director or other authorised signatory) confirming as at the Closing Date that:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default or Event of Default has occurred or is continuing or will result from the execution of the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the representations and warranties set out in Clause 19 (Representations) are true and correct in all respects;</p>
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        <p style="text-align: center;">111</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_127"></a>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>that no event or series of events or circumstances has occurred or arisen which, in the Borrower's opinion, is likely to have a Material Adverse Effect;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>that no investigation, litigation, arbitration or administrative proceedings of or before any court, arbitral body, competent competition authority or other regulatory authority or government agency which, if adversely determined, will have or is reasonably likely to have a Material Adverse Effect have, to the best of its knowledge and belief, been started or threatened against it or any member of the Group.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>If such Original Obligor is a US Guarantor, a certificate as to the existence and good standing (including verification of tax status, if generally available) of such US Guarantor from the appropriate governmental authorities in such US Guarantor's jurisdiction of organisation, in form and substance satisfactory to the Facility Agent and its counsel.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.8<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>If such Original Obligor is a US Guarantor, a solvency certificate signed by the chief financial officer or chief accounting officer of such Obligor in form and substance satisfactory to the Facility Agent and its counsel.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Legal opinions</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Webber Wentzel, legal advisers to the Finance Parties, addressed to the Facility Agent for and on behalf of the Finance Parties, substantially in the form distributed to the Original Senior Lenders prior to signing this Agreement in respect of the legality, validity and enforceability of the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Cliffe Dekker Hofmeyr, legal advisers to the Obligors in South Africa, addressed to the Facility Agent for and on behalf of the Finance Parties, substantially in the form distributed to the Original Senior Lenders prior to signing this Agreement, in respect of the capacity, powers and authority of those members of the Group incorporated in South Africa which are party to the Finance Documents, to enter into and perform their obligations under the Finance Documents and the due execution of those documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of DLA Piper, legal advisers to the Finance Parties in the US, addressed to the Facility Agent for and on behalf of the Finance Parties, substantially in the form distributed to the Original Senior Lenders prior to signing this Agreement, in respect of the capacity, powers and authority of those members of the Group incorporated in the US which are party to the Finance Documents, to enter into and perform their obligations under the Finance Documents and the due execution of those documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Bowman Gilfillan, legal advisers to Cell C, addressed to the Facility Agent for and on behalf of the Finance Parties, substantially in the form distributed to the Original Senior Lenders prior to signing this Agreement, in respect of the validity of the allotment and issue of the Cell C Shares to the Borrower.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>An original of each of the following Finance Documents duly entered into by each Party to it:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility A Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility B Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Senior Facility C Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Subordination Agreement;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Master Implementation and Funds Flow Agreement;</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_128"></a>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security Cession &amp; Pledge;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.8<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Fee Letters; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.1.9<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other executed Finance Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>The following documents of title in relation to the shares and other securities that are subject to Transaction Security:</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the original share certificates (or applicable certificates of title in respect of other securities);</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>an original securities transfer form duly executed by the Borrower (undated and left blank as to the transferee);</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.2.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>a resolution by the directors of each company the shares of which are subject to Transaction Security, acknowledging the pledge and agreeing to give effect to any transfer of shares that may occur as a result;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">3.2.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>a duly executed waiver of pre-emptive or similar rights by the shareholders of DNI,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">and all other documents of title required to be provided under any Security Documents.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of all notices required to be sent, acknowledgements required to be delivered and other documents required to be executed under the Security Documents, duly executed by the persons party thereto.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subscription Agreement</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">A copy of the Subscription Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Credit Approval</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The approval of the credit committee of each Original Lender of the grant of the Facilities to the Borrower under the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Regulatory authorisations</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">All regulatory approvals required for the implementation of the transactions contemplated by the Finance Documents (including to the extent that any such approval is required to establish any Security under the Security Documents).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">7.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Know Your Customer Requirements</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any other Finance Party) to carry out and be satisfied that it has complied with all necessary know your customer or similar identification procedures under applicable laws and regulations (including the Financial Intelligence Centre Act, 2001) pursuant to the transactions contemplated in the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">8.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial information</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">A copy of the Original Financial Statements.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">9.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other documents and evidence</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the Group Structure Chart.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate from an authorised signatory of the Borrower confirming that:</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">9.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>no term of any Transaction Document (as defined in the Master Implementation and Funds Flow Agreement) to which it is a party has been waived or amended without the written agreement of the Facility Agent;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">9.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>where the Borrower is party to a Transaction Document (as defined in the Master Implementation and Funds Flow Agreement), that document is unconditional, and where any suspensive condition thereto has been waived, such waiver is in compliance with paragraph 9.2.1 and where the Borrower is not a party to a Transaction Document (as defined in the Master Implementation and Funds Flow Agreement), the CP Satisfaction Letter (as defined in the Master Implementation and Funds Flow Agreement) relating to that document has been delivered as contemplated in clause 2.1 of the Master Implementation and Funds Flow Agreement; and</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">9.2.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>neither Holdco nor any other Obligor is entitled to terminate any Transaction Document (as defined in the Master Implementation and Funds Flow Agreement) to which it is a party or to refuse to complete the Transaction (as defined in the Master Implementation and Funds Flow Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that an amount of not less than R1,250,000,000 is standing to the credit of the Net1 Funds Flow Account (as defined in the Master Implementation and Funds Flow Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that the Borrower has acquired the DNI Shares.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">9.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any other authorisation or other document, opinion or assurance which the Facility Agent considers to be necessary (if it has notified the Borrower accordingly) 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>
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    <p style="text-align: center;"><b>Part II</b><br><b>Conditions Precedent Required to be</b><br><b>Delivered by an Additional Guarantor</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Accession Letter, duly executed by the Additional Guarantor and the Borrower.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the constitutional documents of the Additional Guarantor.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a resolution of the board of directors of the Additional Guarantor:</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>approving the terms of, and the transactions contemplated by, the Accession Letter and the Finance Documents and resolving that it execute the Accession Letter;</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of an Additional Guarantor, authorising it, for all purposes required under sections 45 and 46 of the Companies Act, to provide the "<i>financial assistance</i>" and to make any "<i>distribution</i>" that may arise as a result of its entry into the Finance Documents to which it is a party (or, in the case of any Additional Guarantor incorporated in a jurisdiction other than South Africa, any equivalent authorisations required under the laws of such jurisdiction);</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons to execute the Accession Letter on its behalf; and</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons, on its behalf, to sign and/or despatch all other documents and notices to be signed and/or despatched by it under or in connection with the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a special resolution duly passed by the holders of the issued shares of an Additional Guarantor authorising it, for all purposes required under section 45 of the Companies Act, to provide the "<i>financial assistance</i>" that may arise as a result of its entry into the Finance Documents to which it is a party (or in the case of any Additional Guarantor incorporated in a jurisdiction other than South Africa, any equivalent authorisations required under the laws of such jurisdiction).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>To the extent required with reference to the constitutional documents of an Additional Guarantor, a copy of a resolution duly passed by the holders of the issued shares of that Additional Guarantor, approving the terms of, and the transactions contemplated by, the Finance Documents to which that Additional Guarantor is a party.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A specimen of the signature of each person authorised by the resolution referred to in paragraph 3.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">7.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate of the Additional Guarantor (signed by a director) confirming that borrowing and/or guaranteeing, as appropriate, the Total Commitments would not cause any borrowing, guaranteeing or similar limit binding on it to be exceeded.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">8.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate of an authorised signatory of the Additional Guarantor certifying that each copy document listed in this Part II of Schedule 2 is correct, complete and in full force and effect as at a date no earlier than the date of the Accession Letter.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">9.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>If such Additional Guarantor is a US Guarantor, a certificate as to the existence and good standing (including verification of tax status, if generally available) of such US Guarantor from the appropriate governmental authorities in such US Guarantor's jurisdiction of organisation, in form and substance satisfactory to the Facility Agent and its counsel.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">10.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>If such Additional Guarantor is a US Guarantor, a solvency certificate signed by the chief financial officer or chief accounting officer of such Obligor in form and substance satisfactory to the Facility Agent and its counsel.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">11.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>If available, the latest audited financial statements of the Additional Guarantor.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">12.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>All necessary regulatory approvals to the satisfaction of the Facility Agent required for the accession of the Additional Guarantor.</p>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">13.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Webber Wentzel, legal advisers to the Finance Parties and the Facility Agent in South Africa.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">14.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of [<b>&#9679;</b>], legal advisers to the Obligors in South Africa.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">15.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>In relation to any Additional Guarantor incorporated in a jurisdiction other than South Africa, a legal opinion from legal counsel in that jurisdiction acceptable to the Facility Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">16.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Additional Guarantor is incorporated in a jurisdiction other than South Africa, a legal opinion of the legal advisers to the Finance Parties in the jurisdiction in which the Additional Guarantor is incorporated.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">17.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any other authorisation or other document, opinion or assurance which the Facility Agent considers to be necessary or desirable in connection with the entry into and performance of the transactions contemplated by the Accession Letter or for the validity and enforceability of any Finance Document.</p>
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    <p style="text-align: right;"><b>SCHEDULE 3</b></p>
    <p style="text-align: center;"><b>FORM OF TRANSFER CERTIFICATE</b></p>
    <p style="text-align: justify;">To:<font style="width: 36.6pt; display: inline-block;">&#160;</font>[<b>Facility Agent</b>], as Facility Agent<br><font style="display: inline-block; width: 49.5pt;">&#160;</font>[&#11044;]<br><font style="display: inline-block; width: 49.5pt;">&#160;</font>[&#11044;]</p>
    <p style="text-align: justify;">From:<font style="width: 24.94pt; display: inline-block;">&#160;</font>[<b>The Existing Lender</b>] (the <b>Existing Lender</b>) and [<b>the New Lender</b>] (the <b>New Lender</b>)</p>
    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED <br>TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement.&#160; This is a Transfer Certificate.&#160; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to Clause 24.4 (Procedure for transfer).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; 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 24.4 (Procedure for transfer).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>The proposed Transfer Date is [&#11044;].</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>The address of the New Lender, fax number and attention details for notices of the New Lender for the purposes of Clause 34.2 (Addresses) are set out in the Schedule.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>On and with effect from the Transfer Date the New Lender:</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">6.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>becomes party to the Agreement as a [Senior Facility E Lender]/[Senior Facility G Lender]/[Senior Facility H Lender];</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">6.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>becomes party to the Intercreditor Agreement;</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">6.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>undertakes to perform all the obligations expressed in the Agreement, the Intercreditor Agreement and other applicable Finance Documents to be assumed by a Lender; and</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">6.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees that it shall be bound by all the provisions of the Agreement, the Intercreditor Agreement and other applicable Finance Documents as if it had been an original party to those Finance Documents as a Lender.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">7.<font style="width: 18pt; 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 24.3 (Limitation of responsibility of Existing Lenders).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">8.<font style="width: 18pt; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">9.<font style="width: 18pt; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">10.<font style="width: 13.1pt; 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>
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    <p style="text-align: justify;">[<b>EXISTING LENDER</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">[<b>NEW LENDER</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">[<b>FACILITY AGENT</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">As Facility Agent and for and on behalf of each of the parties to the Agreement (other than the Existing Lender and the New Lender) [and each of the parties to the Intercreditor Agreement (other than the Existing Lender and the New Lender)].</p>
    <p style="text-align: justify;">Note:<font style="width: 9.23pt; display: inline-block;">&#160;</font>The execution of this Transfer Certificate may not transfer a proportionate share of the Existing Lender's interest in security in all cases.&#160; It is the responsibility of the New Lender to ascertain whether any other documents or other formalities are required to perfect a transfer of such a share in the Existing Lender's security and, if so, to arrange for execution of those documents and completion of those formalities.</p>
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    <p style="text-align: center;"><b>THE SCHEDULE<br><br></b></p>
    <p style="text-align: center;"><b>Commitment/rights and obligations to be transferred</b></p>
    <p style="text-align: center;">[<i>insert relevant details, including applicable Commitment (or part) and participation in Loans</i>]</p>
    <p style="text-align: center;"><b>Part 1</b><br><b>Commitments</b></p>
    <p style="text-align: center;">&#160;</p>
    <table style="width: 181.5pt; margin-right: auto; margin-left: auto; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="background-color: #e6e6e6; width: 31%; vertical-align: middle; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 1.02pt; padding-left: 1.02pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility E Commitment</b></p>
            </td>
            <td style="border-bottom: 0.75pt solid #000000; width: 31%; vertical-align: middle; background-color: #e6e6e6; padding-right: 1.02pt; border-right: 0.75pt solid #000000; padding-left: 1.02pt; border-left: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility G Commitment</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 31%; vertical-align: middle; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 1.02pt; padding-left: 1.02pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility H Commitment</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 31%; padding-right: 1.02pt; padding-left: 1.02pt; vertical-align: top; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
            </td>
            <td style="width: 31%; vertical-align: top; border-left: 0.75pt solid #000000; padding-right: 1.02pt; border-right: 0.75pt solid #000000; padding-left: 1.02pt; border-top: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
            </td>
            <td style="width: 31%; padding-right: 1.02pt; padding-left: 1.02pt; vertical-align: top; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
            </td>
        </tr>
    </table>
    <p style="text-align: center;">&#160;</p>
    <p style="text-align: center;"><b>Part 2</b><br><b>Participations In Loans</b></p>
    <p style="text-align: center;">&#160;</p>
    <table style="width: 181.5pt; margin-left: auto; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt; margin-right: auto;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="background-color: #e6e6e6; width: 27%; vertical-align: middle; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility E Loans</b></p>
            </td>
            <td style="border-bottom: 0.75pt solid #000000; width: 27%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; border-right: 0.75pt solid #000000; padding-left: 5.03pt; border-left: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility G Loans</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 27%; vertical-align: middle; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Senior Facility H Loans</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 27%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
            </td>
            <td style="width: 27%; vertical-align: top; border-left: 0.75pt solid #000000; padding-right: 5.03pt; border-right: 0.75pt solid #000000; padding-left: 5.03pt; border-top: 0.75pt solid #000000;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
            </td>
            <td style="width: 27%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000;">
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    <p style="text-align: center;">&#160;</p>
    <p style="text-align: center;"><b>Part 3</b><br><b>Administrative Details of the New Lender</b></p>
    <p style="text-align: center;">&#160;</p>
    <p style="text-align: justify;">[<i>Insert details of address for notices and payment details, etc</i>]</p>
    <p style="text-align: justify;">This Transfer Certificate is accepted by the Facility Agent and the Transfer Date is confirmed as [&#11044;].</p>
    <p style="text-align: justify;">[<b>Facility Agent</b>]</p>
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    <div id="footer_page_134">
        <p style="text-align: center;">119</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_135"></a>
    <p style="text-align: right;"><b>SCHEDULE 4</b></p>
    <p style="text-align: center;"><b>FORM OF ACCESION LETTER</b></p>
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    <p style="text-align: justify;">To:<font style="width: 36.6pt; display: inline-block;">&#160;</font>[<b>Facility Agent</b>], as Facility Agent<br><font style="display: inline-block; width: 49.5pt;">&#160;</font>[&#11044;]<br><font style="display: inline-block; width: 49.5pt;">&#160;</font>[&#11044;]</p>
    <p style="text-align: justify; margin-left: 51pt; text-indent: -51pt;">From:<font style="width: 24.89pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b></p>
    <p style="text-align: justify;">And:<font style="width: 29.48pt; display: inline-block;">&#160;</font>[<b>SUBSIDIARY</b>]</p>
    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
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    <div id="footer_page_135">
        <p style="text-align: center;">120</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_136"></a><br>
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    <br>
    <div id="footer_page_136">
        <p style="text-align: center;">121</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_137"></a>
    <p style="text-align: justify;"><b>Accepted by the Facility Agent:</b></p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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    <br>
    <div id="footer_page_137">
        <p style="text-align: center;">122</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_138"></a>
    <p style="text-align: right;"><b>SCHEDULE 5</b></p>
    <p style="text-align: center;"><b>FORM OF RESIGNATION LETTER</b></p>
    <p style="text-align: justify; margin-bottom: 0pt;">To:<font style="width: 36.6pt; display: inline-block;">&#160;</font>[<b>FACILITY AGENT</b>], as Facility Agent</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
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    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED <br>TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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    <br>
    <div id="footer_page_138">
        <p style="text-align: center;">123</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_139"></a>
    <p style="text-align: justify;"><b>Accepted by the Facility Agent:</b></p>
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            <td style="width: 47%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;" colspan="2">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">(who warrants his authority)</p>
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    <br>
    <div id="footer_page_139">
        <p style="text-align: center;">124</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_140"></a>
    <p style="text-align: right;"><b>SCHEDULE 6</b></p>
    <p style="text-align: center;"><b>FORM OF COMPLIANCE CERTIFICATE</b></p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">To:<font style="width: 37.6pt; display: inline-block;">&#160;</font>[<b>Facility Agent</b>], as Facility Agent</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="text-align: justify; margin-left: 51pt; text-indent: -51pt;">From:<font style="width: 26.39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 <br>APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b></p>
    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED <br>TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement.&#160; This is a Compliance Certificate.&#160; 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="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that as at [<i>relevant testing date</i>] the following financial ratios referred to in Clause 21 (Financial Covenants) were at the levels set out below:</p>
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            <tr>
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                <td style="width: 17%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
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                <td style="width: 17%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt;">
                    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
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                <td style="width: 17%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle;">
                    <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We set out below calculations establishing the figures in paragraph 2 above:</p>
    <p style="margin-left: 25.5pt; text-align: justify;">[&#11044;]</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that the following companies were Material Subsidiaries at [relevant testing date]:</p>
    <p style="margin-left: 25.5pt; text-align: justify;">[&#11044;]</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that the [financial statements]/[management accounts] which this compliance certificate accompanies fairly represents the financial condition of the Group as at the date as to which those [financial statements]/[management accounts] were drawn up.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that no Trigger Event has occurred.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">7.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>[We confirm that no Default is continuing as at [<b>relevant testing date</b>].]<sup>1</sup><a style="text-decoration: none;" href="#_ftn1"><font style="color: #000000;">&#160;</font></a></p>
    <p style="text-align: justify;">Yours faithfully,</p>
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    <div>_____________________________</div>
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    <div id="footer_page_140">
        <p style="text-align: center;">125</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_141"></a><br>
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                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#8230;..........................................</p>
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                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#8230;..........................................</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Director</p>
            </td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Director</p>
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        <tr>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Lesaka Technologies Proprietary <br>Limited (formerly known as Net1 <br>Applied Technologies South Africa <br>Proprietary Limited)</b></p>
            </td>
            <td style="width: 41%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Lesaka Technologies Proprietary <br>Limited (formerly known as Net1 <br>Applied Technologies South Africa <br>Proprietary Limited)</b></p>
            </td>
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    <br>
    <div id="footer_page_141">
        <p style="text-align: center;">126</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_142"></a>
    <p style="text-align: right;"><b>SCHEDULE 7</b></p>
    <p style="text-align: center;"><b>FORM OF AUDITORS CERTIFICATION</b></p>
    <p style="text-align: center;"><b>[TO BE PLACED ON AUDITOR'S LETTERHEAD]</b></p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">To:<font style="width: 37.1pt; display: inline-block;">&#160;</font>[<b>Facility Agent</b>], as Facility Agent</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="margin-left: 51.05pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="text-align: justify; margin-left: 51pt; text-indent: -51pt;">From:<font style="width: 25.89pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>[The Auditors of Lesaka Technologies Proprietary Limited (formerly known as Net1 <br>Applied Technologies South Africa Proprietary Limited]</b></p>
    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED <br>TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Compliance Certificate in relation to the Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to:</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Agreement;&#160; and</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Compliance Certificate (as defined in the Agreement) delivered by Lesaka Technologies Proprietary Limited (formerly known as Net1 Applied Technologies South Africa Proprietary Limited) to the Facility Agent on [&#11044;], 201[&#11044;] (the [&#11044;], 201[&#11044;] Certificate).</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We have performed the procedures required by you in the review of the Compliance Certificate delivered by Lesaka Technologies Proprietary Limited (formerly known as Net1 Applied Technologies South Africa Proprietary Limited) to the Facility Agent on [&#11044;], 201[&#11044;]. Our engagement was undertaken in accordance with the International Standard on Related Services applicable to agreed-upon procedures engagements. The procedures below were performed solely to report to you in terms of the Agreement. We have performed the following procedures:</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>We have obtained the [financial statements]/[management accounts] for the relevant Measurement Period of the [&#11044;], 201[&#11044;] Certificate</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>We have extracted the accounting policies in relation to the [financial statements] / [management accounts] and scrutinised the [financial statements] / [management accounts] for any indications of deviations from the relevant accounting policies.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>We obtained the detailed calculations in relation to the Financial Covenants (as defined in the Agreement) and compared these to what is set out in Clause 3 of the [&#11044;], 201[&#11044;] Certificate, as well as agree with the results to those calculations set out in Clause 2 of the [&#11044;], 201[&#11044;] Certificate.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>We agree that the Group revenue amounts in Clause 7 of the [&#11044;], 201[&#11044;] Certificate are consistent with the [financial statements]/[management accounts] and with the Agreement, as well as agree with the results of the calculations set out in Clause 7.5 of the [&#11044;], 201[&#11044;] Certificate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.5<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>We agree that the amounts detailed in the above calculations are consistent with the [financial statements] / [management accounts].</p>
    <div id="footer_page_142">
        <p style="text-align: center;">127</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_143"></a>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>We have checked the mathematical accuracy of all calculations set out in the [&#11044;], 201[&#11044;] Certificate.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>We have scrutinised the [financial statements]/[management accounts] for any amounts or transactions that should, in our opinion, be included in the above calculations but has not been.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>Because the above procedure does not constitute either an audit or a review made in accordance with statements of International Auditing Standards, we do not express any assurance thereon. Had we performed additional procedures or had we performed an audit or review of the financial statements in accordance with International Auditing Standards, other matters might have come to our attention that would have been reported to you. Our report is solely for the purpose set out in paragraphs 1 and 2 of the report and for your information, and is not to be used for any other purpose, nor to be distributed to any other parties. This report relates only to the matters specified above, and does not extend to any financial statements of the entity taken as a whole.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">8.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>Yours faithfully,</p>
    <p style="text-align: justify;">&#8230;..........................................</p>
    <p style="text-align: justify;"><b>[The Auditors of Lesaka Technologies Proprietary Limited (formerly known as Net1 Applied Technologies South Africa Proprietary Limited)]</b></p>
    <div id="footer_page_143">
        <p style="text-align: center;">128</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_144"></a>
    <p style="text-align: justify;"><b>Accepted by the Facility Agent:</b></p>
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    <p style="text-align: justify;">&#160;</p>
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    <br>
    <div id="footer_page_144">
        <p style="text-align: center;">129</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_145"></a>
    <p style="text-align: right;"><b>SCHEDULE 8</b></p>
    <p style="text-align: center;"><b>ACCEPTABLE LENDERS</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Local Banks</b></p>
    <p style="margin-left: 25.5pt; margin-bottom: 0pt; text-align: justify;">FirstRand Bank Limited</p>
    <p style="margin-top: 0pt; margin-left: 25.5pt; margin-bottom: 0pt; text-align: justify;">Investec Bank Limited</p>
    <p style="margin-top: 0pt; margin-left: 25.5pt; margin-bottom: 0pt; text-align: justify;">Nedbank Limited</p>
    <p style="margin-top: 0pt; margin-left: 25.5pt; text-align: justify;">The Standard Bank of South Africa Limited</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Affiliates</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Any affiliates, Subsidiaries or Holding Companies of, or any <i>bona fide</i> and established trust or fund or other entity which is regularly engaged in or established for the purpose of making, purchasing or investing in loans, securities or other financial assets managed by any of the banks listed in this schedule that are not hedge funds.</p>
    <div id="footer_page_145">
        <p style="text-align: center;">130</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_146"></a>
    <p style="text-align: right;"><b>SCHEDULE 9</b></p>
    <p style="text-align: center;"><b>FORM OF CONFIDENTIALITY UNDERTAKING</b></p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">To:<font style="width: 13.9pt; display: inline-block;">&#160;</font>[<b>Insert name of Potential Purchaser/Purchaser's agent/broker</b>]</p>
    <p style="margin-left: 28.35pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="margin-left: 28.35pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[&#11044;]</p>
    <p style="text-align: right;">[&#11044;], 201[&#11044;]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED <br>TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b><br><b>Common Terms Agreement, dated [&#11044;], 2017</b><br><b>(</b>the <b>Agreement)</b></p>
    <p style="text-align: justify;">We understand that you are considering [<i>acquiring</i>]<sup>2</sup>&#160;[<i>arranging the acquisition of</i>]<sup>3</sup> an interest in the Facilities (the <b>Acquisition</b>). 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: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONFIDENTIALITY UNDERTAKING</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You undertake (a) to keep the Confidential Information confidential and not to disclose it to anyone except as provided for by paragraph 2 and to ensure that the Confidential Information is protected with security measures and a degree of care that would apply to your own confidential information, (b) to use the Confidential Information only for the Permitted Purpose, (c) to use all reasonable endeavours to ensure that any person to whom you pass any Confidential Information (unless disclosed under paragraph [<i>2.2 or</i>] 2.3) acknowledges and complies with the provisions of this letter as if that person were also a party to it, and (d) not to make enquiries of any member of the Group or any of their officers, directors, employees or professional advisers relating directly or indirectly to the Acquisition.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 18pt; 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 Confidential Information:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>to members of the Purchaser Group and their officers, directors, employees and professional advisers to the extent necessary for the Permitted Purpose and to any auditors of members of the Purchaser Group;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<i>subject to the requirements of the Agreement, in accordance with the Permitted Purpose so long as any prospective purchaser has delivered a letter to you in equivalent form to this letter</i>;]</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>subject to the requirements of the Agreement, to any person to (or through) whom you assign or transfer (or may potentially assign or transfer) all or any of the rights, benefits and obligations which you may acquire under the Agreement or with (or through) whom you enter into (or may potentially enter into) any sub-participation in relation to, or any other transaction under which payments are to be made by reference to, the Agreement or the Borrower or any member of the Group so long as that person has delivered a letter to you in equivalent form to this letter; and</p>
    <p style="text-align: justify;"><sup>_____________________________<br></sup><sup>2<font style="display: inline-block; width: 10pt;">&#160;</font></sup>Delete if addressee is acting as broker or agent.<br><font style="font-size: 11.1111px;"><sup>3</sup><font style="display: inline-block; width: 10pt;">&#160;</font></font>Delete if addressee is acting as principal.</p>
    <div id="footer_page_146">
        <p style="text-align: center;">131</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_147"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>(i) where requested or required by any court of competent jurisdiction or any competent judicial, governmental, supervisory or regulatory body, (ii) where required by the rules of any stock exchange on which the shares or other securities of any member of the Purchaser Group are listed or (iii) where required by the laws or regulations of any country with jurisdiction over the affairs of any member of the Purchaser Group.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>NOTIFICATION OF REQUIRED OR UNAUTHORISED DISCLOSURE</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You agree (to the extent permitted by law) to inform us of the full circumstances of any disclosure under paragraph 2.4 or 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: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>RETURN OF COPIES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If we so requested in writing, you shall return all Confidential Information supplied to you by us and destroy or permanently erase all copies of Confidential Information made by you and use all reasonable endeavours to ensure that anyone to whom you have supplied any Confidential Information destroys or permanently erases 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 internal policy, or where the Confidential Information has been disclosed under paragraph 2 above.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 18pt; 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 in this letter shall cease (a) if you become a party to or otherwise acquire (by assignment or sub-participation) an interest, direct or indirect, in the Agreement or (b) 12 (twelve) months after you have returned all Confidential Information supplied to you by us and destroyed or permanently erased all copies of Confidential Information made by you (other than any such Confidential Information or copies which have been disclosed under paragraph 2 above (other than sub-paragraph 2.4 above) or which, pursuant to paragraph 4 above, are not required to be returned or destroyed).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 18pt; 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: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>neither we [<i>nor our principal</i>]<sup>4</sup>&#160;nor any member of the Group nor any of our or their respective 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 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 be otherwise liable to you or any other person in respect to the Confidential Information or any such information; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>we [<i>or our principal</i>]<sup>5</sup><a style="text-decoration: none;" href="#_ftn5"><font style="color: #000000;">&#160;</font></a> or members of the Group may be irreparably harmed by the breach of the terms hereof and damages may not be an adequate remedy; each Relevant Person may be granted an injunction or specific performance for any threatened or actual breach of the provisions of this letter by you.</p>
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        <p style="text-align: justify;"><font style="font-size: 11.1111px;"><sup>_____________________________<br></sup></font><font style="font-size: 11.1111px;"><sup>4</sup><font style="display: inline-block; width: 10pt;">&#160;</font></font>Delete if letter is sent out by the Seller rather than the Seller's broker or agent.<br><font style="font-size: 11.1111px;"><sup>5</sup><font style="display: inline-block; width: 10pt;">&#160;</font></font><font style="font-size: 10pt;">Delete if letter is sent out by the Seller rather than the Seller's broker or agent.</font></p>
    </div>
    <div id="footer_page_147">
        <p style="text-align: center;">132</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_148"></a>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">7.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SOLE AGREEMENT, NO IMPLIED TERMS, NO VARIATION, EXTENSIONS AND WAIVERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>This letter constitutes the sole record of the agreement between us and you (each, a <b>Party</b>, and collectively the <b>Parties</b>) in regard to the subject matter hereof.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Party shall be bound by any express or implied term, representation, warranty, promise or 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: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>No addition to, variation or consensual cancellation of this letter and no extension of time, waiver or relaxation or suspension of any of the provisions or terms hereof shall be of any force or effect unless in writing and signed by or on behalf of all the Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>No latitude, extension of time or other indulgence which may be given or allowed by any Party to any other Party in respect of the performance of any obligation hereunder or enforcement of any right arising from this letter 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 a novation of, or otherwise affect any of that Party's rights in terms of or arising from this letter or estop such Party from enforcing, at any time and without notice, strict and punctual compliance with each and every provision or term hereof.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">8.<font style="width: 18pt; 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 relating to insider dealing 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: 18pt; 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 by the benefit of [<i>our principal</i>]<sup>6</sup> the Borrower and each other member of the Group.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 11.6pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GOVERNING LAW AND JURISDICTION</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">This letter (including the agreement constituted by your acknowledgment of its terms) shall be governed by and construed in accordance with the laws of South Africa and the parties submit 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 this letter.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 11.6pt; 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 the words and expressions set forth below shall bear the following meanings and cognate expressions shall bear corresponding meanings:</p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>Borrower</b> shall bear the meaning defined in the Agreement;</p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>Confidential Information</b> means any information relating to the Borrower, the Group, the Agreement and/or the Acquisition 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>
    <p style="text-align: justify;"><font style="font-size: 11.1111px;"><sup>_____________________________<br></sup></font><font style="font-size: 11.1111px;"><sup>6</sup><font style="display: inline-block; width: 10pt;">&#160;</font></font>Delete if letter is sent out by the Seller rather than the Seller's broker or agent.</p>
    <div id="footer_page_148">
        <p style="text-align: center;">133</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_149"></a>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>Group</b> shall bear the meaning defined in the Agreement;</p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>Permitted Purpose</b> means [<i>subject to the terms of this letter, passing on information to a prospective purchaser for the purpose of</i>]<sup>7</sup>&#160;considering and evaluating whether to enter into the Acquisition; and</p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>Purchaser Group</b> means you, and each of your affiliates.</p>
    <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>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;"><sup>_____________________________<br>7<font style="display: inline-block; width: 10pt;">&#160;</font></sup>Delete if addressee is acting as principal.</p>
    <div id="footer_page_149">
        <p style="text-align: center;">134</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_150"></a>
    <p style="text-align: right;"><b>SCHEDULE 10</b></p>
    <p style="text-align: center;"><b>DISCLOSURE SCHEDULE</b></p>
    <div id="footer_page_150">
        <p style="text-align: center;">135</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_151"></a>
    <p style="text-align: right;"><b>SCHEDULE 11</b></p>
    <p style="text-align: center;"><b>DORMANT SUBSIDIARIES</b></p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 6%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 7.1pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>&#160;</b></p>
            </td>
            <td style="width: 44%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 8.25pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Name of Dormant Subsidiary</b></p>
            </td>
            <td style="width: 20%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.05pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Jurisdiction of<br>Incorporation</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 26%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.8pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Registration <br>number</b><br><b>(or equivalent, if <br>any)</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">1.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Cash Paymaster Services (Kwa-Zulu Natal) Proprietary Limited</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1997/013382/07</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">2.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Cash Paymaster Services (Northern) Proprietary Limited</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1996/017600/07</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">3.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Cash Paymaster Services (Northwest) Proprietary Limited</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1996/011197/07</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">4.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>SmartSwitch Eswatini Investments (Proprietary) Ltd</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Eswatini</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">R7/52203</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">5.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Zazoo Limited</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">England and Wales</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">9265606</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">6.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>EasyPay Namibia (Proprietary) Ltd</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Namibia</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2016/0729</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">7.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Net1 Universal Electronic Technological Solutions</p>
            </td>
            <td style="width: 20%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">South Africa</p>
            </td>
            <td style="width: 26%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">2009/001034/07</p>
            </td>
        </tr>
    </table>
    <p style="text-align: center;"><b>SUBSIDIARIES TO BE DEREGISTERED WITHIN 12 MONTHS OF FOURTH AMENDMENT AND <br>RESTATEMENT DATE</b></p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 6%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 7.1pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>&#160;</b></p>
            </td>
            <td style="width: 38%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 8.25pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Name of Subsidiary</b></p>
            </td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.05pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Jurisdiction of<br>Incorporation</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 34%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.8pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Registration number</b><br><b>(or equivalent, if any)</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">1.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Transact 24 Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Hong Kong</p>
            </td>
            <td style="width: 34%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">1075505</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">2.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Transact 24 (UK) Limited</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">England and Wales</p>
            </td>
            <td style="width: 34%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">5987300</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">3.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Transact24 LLC</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">United States of America</p>
            </td>
            <td style="width: 34%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">90-0825507</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">4.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Masterpayment GmbH</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Germany</p>
            </td>
            <td style="width: 34%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">HRB 109358</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">5.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Summit Payment Services AG</p>
            </td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Germany</p>
            </td>
            <td style="width: 34%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">FL-0002.474.340-3</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">6.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Netpay Solutions Pvt Ltd</p>
            </td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">India</p>
            </td>
            <td style="width: 34%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">CIN U72300MH2012PTC230599</p>
            </td>
        </tr>
    </table>
    <br>
    <div id="footer_page_151">
        <p style="text-align: center;">136</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_152"></a>
    <p style="text-align: center;"><b>IMMATERIAL SUBSIDIARIES</b></p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 6%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 7.1pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>&#160;</b></p>
            </td>
            <td style="width: 44%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 8.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Name of Subsidiary</b></p>
            </td>
            <td style="width: 20%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.05pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Jurisdiction of <br>Incorporation</b></p>
            </td>
            <td style="background-color: #e6e6e6; width: 26%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="margin-left: 9.8pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Registration <br>number</b><br><b>(or equivalent, if <br>any)</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">1.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>Prism Transactive (M) Sedirian Berhad</p>
            </td>
            <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Malaysia</p>
            </td>
            <td style="width: 26%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">517047-U</p>
            </td>
        </tr>
        <tr>
            <td style="width: 6%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">2.</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>NUEP Holdings S.a.r.l.</p>
            </td>
            <td style="width: 20%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">Luxembourg</p>
            </td>
            <td style="width: 26%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">B 98 146</p>
            </td>
        </tr>
    </table>
    <br>
    <div id="footer_page_152">
        <p style="text-align: center;">137</p>
    </div>
    <hr style="page-break-after: always;" width="100%" size="5" color="black" noshade="noshade"><a name="page_153"></a>
    <p style="text-align: right;"><b>SCHEDULE 4</b></p>
    <p style="text-align: center;"><b>AMENDED AND RESTATED SENIOR FACILITY G AGREEMENT </b></p>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_154"></a> <br>
    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>EXECUTION</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>SENIOR FACILITY G AGREEMENT</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt;"><b>ORIGINALLY DATED 24 JANUARY, 2022<br></b><b>AS AMENDED AND RESTATED ON ___ MARCH, 2023</b></p>
    <p style="text-align: center; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>SENIOR TERM LOAN AND REVOLVING CREDIT FACILITY</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">for</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED</b><br><b>(FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA<br>PROPRIETARY LIMITED)</b><br>(as borrower)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">provided by</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as lender)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">with</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as facility agent)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt;">This Agreement is entered into subject to the terms of a Common Terms Agreement<br>dated on or about the date of this Agreement</p>
    <p style="margin-left: 25.5pt; text-align: center;">&#160;</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-top: 0.75pt solid #000000;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 100%; text-align: right;"><img src="exhibit10-1x003.jpg" style="width: 177px;" height="44"></td>
        </tr>
    </table>
    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_155"></a>
    <p style="text-align: center;"><b>CONTENTS</b></p>
    <table style="font-size: 10pt; width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="text-align: left; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Clause</b></td>
            <td style="width: 10%; text-align: right; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Page</b>&#160;</td>
        </tr>
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            <td style="text-align: left;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_156">1.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Definitions and Interpretation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_156">3</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_159">2.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_159">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_159">3.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Purpose</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_159">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_159">4.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Conditions of Utilisation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_159">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_159">5.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Utilisation and Disbursement</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_159">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_161">6.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Repayment</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_161">8</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_161">7.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Prepayment and Cancellation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_161">8</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_161">8.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Interest</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_161">8</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_162">9.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Interest Periods</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_162">9</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_163">10.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Fees</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_163">10</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_163">11.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_163">10</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_163">12.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>General</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_163">10</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_165">Schedule 1 Form of Utilisation Request</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_165">12</a></td>
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    </table>
    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_156"></a>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is made between:</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(1)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b>,<b> </b>registration number 2002/031446/07, as borrower (the <b>Borrower</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(2)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as original lender (in this capacity, the <b>Original Senior Facility G Lender</b>); and</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(3)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as agent of the Senior Facility G Lenders (the <b>Facility Agent</b>).</p>
    <p style="text-align: justify;"><b>IT IS AGREED</b> 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>DEFINITIONS AND INTERPRETATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 39pt; 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: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Applicable Margin</b> means, in relation to any Senior Facility G Loan or Unpaid Sum:</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>from the Fourth Amendment and Restatement Date until the date occurring nine months after the Fourth Amendment and Restatement Date, 3.00 per cent. per annum, provided that no Event of Default has occurred and is continuing;</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>from the date occurring nine months after the Fourth Amendment and Restatement Date until 31 December, 2022:</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>while the Senior Facility G Outstandings are less than or equal to R250,000,000, 2.50 per cent. per annum;</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>while the Senior Facility G Outstandings are between R250,000,000 and R450,000,000, 3.00 per cent. per annum;</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>while the Senior Facility G Outstandings are equal to or greater than R450,000,000, 3.50 per cent. per annum;</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>with effect from 1 January, 2023, for so long as the aggregate of the Senior Facility G Outstandings and Senior Facility H Outstandings are greater than R800,000,000, 5.50 per cent. per annum.&#160; Thereafter, with effect from the next Interest Payment Date after a change in threshold, for so long as the aggregate of the Senior Facility G Outstandings and Senior Facility H Outstandings:</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>are greater than R800,000,000, 5.50 per cent. per annum;</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>are equal to or less than R800,000,000 but greater than R350,000,000, 4.25 per cent. per annum;</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>are equal to or less than R350,000,000, 2.50 per cent. per annum,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">provided that no Event of Default has occurred and is continuing; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>with effect from the date of occurrence of an Event of Default and for so long as it is continuing, the Applicable Margin shall be the percentage per annum set out in paragraph (a), (b) or (c) above, as applicable, plus 2.00 per cent.</p>
    <div id="footer_page_156">
        <p style="text-align: center;">3</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_157"></a>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Availability Period</b> means:</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 period from and including the Fourth Amendment and Restatement Date to and including the date falling one month from the Fourth Amendment and Restatement Date; and</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>in respect of the Revolving Credit Commitment, the period from and including the Fifth Amendment and Restatement Date until the date occurring three months before the Final Maturity Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Commitment</b> means the "Available Commitment" (as defined in the Common Terms Agreement) of a Senior Facility G Lender in respect of Senior Facility G.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.4<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Facility</b> means the aggregate, from time to time, of the Available Commitment of each Senior Facility G Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Costs</b> means the amount (if any) determined by a Senior Facility G Lender by which:</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 interest (excluding the Applicable Margin) which that Senior Facility G Lender should have received for the period from the date of receipt of an amount repaid or prepaid in respect of any part of its participation in a Senior Facility G Loan or Unpaid Sum to the last day of the current Interest Period for that Senior Facility G Loan or Unpaid Sum, if the principal amount of that Senior Facility G Loan or Unpaid Sum received had been paid on the last day of that Interest Period;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">exceeds:</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>the amount which that Senior Facility G Lender would be able to obtain by placing an amount equal to the principal amount of the Senior Facility G Loan or Unpaid Sum received by it on deposit with a leading bank in the Johannesburg interbank market for a period starting on the Business Day following receipt or recovery and ending on the last day of the current Interest Period,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and <b>Break Gains</b> means the amount (if any) determined by the relevant Senior Facility G Lender by which the amount of interest contemplated in paragraph (b) above exceeds that in paragraph (a) above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.6<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Common Terms Agreement</b> means the written agreement entitled "Common Terms Agreement", dated on or about 21 July, 2017 (as amended and/or reinstated from time to time), between, amongst others, the Borrower (as borrower) and the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.7<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Maturity Date</b> means 31 December, 2025.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.8<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Payment Date</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 last day of March, June, September and December in any year; 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>the Final Maturity Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.9<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Period</b> means, in relation to a Senior Facility G Loan, each period determined in accordance with Clause 9 (Interest Periods).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.10<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original South African Businesses</b> means the Borrower and each of its Subsidiaries from time to time, but excluding members of the CCMS Group and members of the K2021 Group.</p>
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        <p style="text-align: center;">4</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.11<font style="width: 52pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Party</b> means a party to this Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.12<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Revolving Credit Commitment</b> means a portion of the Senior Facility G Commitment equal to ZAR200,000,000 to the extent not cancelled, transferred or reduced under this Agreement.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.13<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Revolving Credit Facility Available Commitment </b>means, in relation to the Facility, the Revolving Credit Commitment minus (subject as set out below):</p>
    <p style="text-align: justify; margin-left: 103.5pt; text-indent: -25.5pt;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any outstanding Utilisations under the Facility made after the Fifth Amendment and Restatement Date; and</p>
    <p style="margin-left: 103.5pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any proposed Utilisation made after the Fifth Amendment and Restatement Date, the amount of any Utilisations made after the Fifth Amendment and Restatement Date 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;">1.1.14<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G</b> or <b>Facility</b> means the term loan facility made available to the Borrower under this Agreement.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.16<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Loan</b> or <b>Loan</b> means a "Senior Facility G Loan" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.17<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Outstandings</b> means "Senior Facility G Outstandings" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.18<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Outstandings</b> means "Senior Facility H Outstandings" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.19<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Signature Date</b> means the date stated at the beginning of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.20<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Senior Facility G Commitments</b> means "Total Senior Facility G Commitments" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.21<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Unpaid Sum</b> means an "Unpaid Sum" as defined in the Common Terms Agreement in respect of Senior Facility G.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.22<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Request</b> means the notice substantially in the form set out in Schedule 1 (Form of Utilisation Request).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 39pt; 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;">1.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Terms and expressions defined in the Common Terms Agreement, unless expressly defined in this Agreement, have the same meaning in this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The provisions of clauses 1.3 (Construction) and 1.4 (Third party rights) of the Common Terms Agreement apply to this Agreement as though they were set out in full in this Agreement, except that a reference in those clauses to the Common Terms Agreement are to be construed as references to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement and the rights and obligations of the Parties hereunder shall in all respects be subject to the terms and conditions of the Common Terms Agreement, which shall apply <i>mutatis mutandis </i>to this Agreement and be incorporated herein by reference.&#160; If there is any conflict between this Agreement and the Common Terms Agreement, this Agreement shall prevail.</p>
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    <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: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the Common Terms Agreement, the Senior Facility G Lenders make available to the Borrower a Rand-denominated term loan and revolving credit facility in an aggregate amount equal to the Total Senior Facility G Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Designation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Agreement is a Senior Facility Agreement and the Senior Facility G Agreement, each as defined in the Common Terms 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><b>PURPOSE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Senior Facility G only in or towards the purpose set out in clause 3.1.2 (Purpose) of the Common Terms Agreement, and for no other purpose whatsoever.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Finance Party is bound to monitor or verify the utilisation of Senior Facility G or will be responsible for, or for the consequences of, such a utilisation.</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>CONDITIONS OF UTILISATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Conditions precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request to the Facility Agent under Senior Facility G (and no Senior Facility G Lender shall have any obligation to advance any Senior Facility G Loan or to provide any other form of credit or financial accommodation under this Agreement to any person) unless the Facility Agent has issued the notice contemplated by clause 4.1 (Initial conditions precedent) of the Common Terms Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 39pt; 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 Common Terms Agreement and this Agreement, a Senior Facility G Lender will only be obliged to participate in a Senior Facility G Loan if the requirements of clause 4.2 (Further conditions precedent) of the Common Terms Agreement have been met.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Maximum number of Loans</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request under Senior Facility G if as a result of the proposed Utilisation more than four Senior Facility G Loans would be outstanding.</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>UTILISATION AND DISBURSEMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; 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;">5.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may utilise Senior Facility G during the Availability Period by delivery to the Facility Agent of a duly completed Utilisation Request.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless the Facility Agent otherwise agrees, the latest time for receipt by the Facility Agent of a Utilisation Request is 17h00 two Business Days before the proposed Utilisation Date or such shorter period as the Facility Agent agrees in writing.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Utilisation Request is irrevocable.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Only one Utilisation Request may be delivered in any calendar month.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; 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;">5.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Utilisation Request 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: 14.28pt; 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: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>the currency and amount of the Utilisation comply with Clause 5.3 below; and</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>it specifies a bank account in South Africa to which the Borrower requires the proceeds of the Senior Facility G Loan to be credited.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Only one Senior Facility G Loan may be requested in a Utilisation Request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.3<font style="width: 39pt; 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;">5.3.1<font style="width: 56.5pt; 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;">5.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Until the Fifth Amendment and Restatement Date, the amount of the proposed Senior Facility G Loan is for the full amount of the Senior Facility G Available Commitments of the relevant Senior Facility G Lender or such lesser amount as the Facility Agent may agree.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.3.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>From the Fifth Amendment and Restatement Date, the amount of the proposed Senior Facility G Loan is not more than the Revolving Credit Facility Available Commitment and which is a minimum of ZAR5,000,000 or, if less, the Available Facility and in integrals of ZAR1,000,000.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disbursement</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the conditions set out in this Agreement and the Common Terms Agreement have been met, each Senior Facility G Lender must advance and lend to the Borrower, who shall borrow from each such Lender, that Lender's participation in the Senior Facility G Loan on the Utilisation Date.&#160; A Senior Facility G Lender must make its participation in the Senior Facility G Loan available to the Facility Agent by no later than 11h00 on the applicable Utilisation Date for disbursement to the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of each Senior Facility G Lender's participation in the Senior Facility G Loan will be equal to the proportion borne by its Available Commitment (if any) to the Available Facility immediately prior to making the Loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Senior Facility G Lender is obliged to participate in a Senior Facility G Loan if, as a result:</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>its share in the outstanding Senior Facility G Loan would exceed its Available Commitment; or</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>the outstanding Senior Facility G Loan would exceed the Available Facility.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Automatic cancellation of Commitments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Senior Facility G Commitments which, at that time, are unutilised, and in respect of which no Utilisation Request has been delivered, shall be immediately cancelled at 10h00 on the last day of the Availability Period.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deemed Utilisation in respect of the Revolving Credit Commitment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">On the Fifth Amendment and Restatement Date, the Borrower shall be deemed to have utilised the Revolving Credit Commitment in full.</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>REPAYMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall repay the Senior Facility G Loan in full on the Final Maturity Date (subject to Clauses 7 (Prepayment and Cancellation) and 10 (Default)).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any amount which remains outstanding under Senior Facility G on the Final Maturity Date shall be repaid in full on that date.</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>PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary cancellation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may cancel the unutilised and undrawn amount of the Senior Facility G Commitments in accordance with the requirements (and subject to the terms) of clause 7 (Prepayment and Cancellation) of the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of the Senior Facility G Commitments cancelled pursuant to this Clause may be reinstated.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 39pt; 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;">7.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may make voluntary prepayments in respect of the Senior Facility G Loan made to it, in whole or in part, in accordance with the requirements (and subject to the terms) of clause 7 (Prepayment and Cancellation) of the Common Terms Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">7.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Re-borrowing and reinstatement</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any voluntary prepayment of a Senior Facility G Loan under Clause 7.2 may be re-borrowed on the terms of this Agreement up to the Revolving Credit Facility Available Commitment.&#160; Any other repayment or prepayment of a Senior Facility G Loan may not be re-borrowed.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">7.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of a Commitment cancelled under this Agreement may be subsequently reinstated.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment and prepayment offers</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall be obliged to make mandatory prepayments and/or offers to make prepayments (as applicable) in respect of the Senior Facility G Loan made to it to the Senior Facility G Lenders in accordance with the requirements (and subject to the terms) of clauses 7 (Prepayment and Cancellation) and 8 (Prepayment Offers and Priorities) of the Common Terms Agreement.</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>INTEREST</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Calculation of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The rate of interest on each Senior Facility G Loan (and any Unpaid Sum) for each Interest Period is the percentage rate per annum which is the aggregate of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Applicable Margin; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Base Rate.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payment of interest</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall pay all accrued interest on the Senior Facility H Loan made to it on each Interest Payment Date, in accordance with the requirements of clause 31 (Payment Mechanics) of the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding Clause 8.2.1, the Borrower may, by notice to the Facility Agent delivered not less than 10 Business Days' prior to an Interest Payment Date, elect that any accrued interest on a Senior Facility G Loan for the relevant Interest Period which ends on that Interest Payment Date, be capitalised to the Senior Facility G Outstandings on that Interest Payment Date, provided that the Senior Facility G Outstandings plus any capitalised interest in respect of Senior Facility G shall not exceed 120 per cent. of the Senior Facility G Commitment on that Interest Payment Date. If the Senior Facility G Outstandings would exceed the Senior Facility G Commitment on that Interest Payment Date that portion of the accrued interest which would cause the Senior Facility G Outstandings to exceed 120 per cent. of the Senior Facility G Commitment shall be paid on that Interest Payment Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest on overdue amounts</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any interest accruing on an Unpaid Sum shall be immediately payable by the Borrower on demand by the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default interest (if unpaid) arising on any Unpaid Sum will be compounded with that Unpaid Sum on the last day of each calendar month, but will remain immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.4<font style="width: 39pt; 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;">Without prejudice to the obligation of the Borrower to pay interest calculated at any applicable rate under this Clause 8, the Facility Agent shall notify the Senior Facility G Lenders and the Borrower, as soon as reasonably practicable:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the determination of a rate of interest under this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>when interest commences to accrue at the rate calculated by reference to the Applicable Margin specified in Clause 1.1.1(d) (Definitions).</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>INTEREST PERIODS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Duration</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Senior Facility G Loan has successive Interest Periods:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>commencing on (and including) the Utilisation Date (in respect of the first Interest Period for that Senior Facility G Loan) or commencing on (and including) an Interest Payment Date; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>ending on (but excluding) the next Interest Payment Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Periods for Unpaid Sums</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Interest accruing on an Unpaid Sum shall be calculated as if that Unpaid Sum, during the period of non-payment, constituted a Loan under Senior Facility G for successive Interest Periods, each of a duration selected by the Facility Agent (acting reasonably).&#160; For this purpose, the Facility Agent (acting reasonably) may:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>select successive Interest Periods of any duration of up to three months; and</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>determine the appropriate Quotation Day for that Interest Period.</p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any Unpaid Sum consists of all or part of the Senior Facility G Loan which became due on a day which was not the last day of an Interest Period relating to that Senior Facility G Loan, the first Interest Period for that Unpaid Sum shall have a duration equal to the unexpired portion of the current Interest Period relating to the Senior Facility G Loan.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No overrunning the Final Maturity Date</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Interest Period for a Senior Facility G Loan would otherwise extend beyond the Final Maturity Date, it will be shortened so that it ends on the Final Maturity Date.&#160; This Clause does not apply to Interest Periods selected under Clause 9.2 above in respect of Unpaid Sums which remain outstanding on the Final Maturity Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Business Days</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Interest Payment Date would otherwise occur on a day which is not a Business Day, that Interest Payment Date will instead be 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Consolidation of Loans</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If, on an Interest Payment Date, there is more than one Loan outstanding, then on such Interest Payment Date such Loans shall be consolidated and treated as a single Loan.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13pt; 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;">10.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-refundable Deal Origination Fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay to the Senior Facility G Lender a non-refundable deal origination fee in the amount and at the times agreed in a Fee Letter.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.2<font style="width: 33pt; 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;">10.2.1<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must pay to the Senior Facility G Lender a commitment fee computed at the rate of 35 per cent. per annum of the Applicable Margin on the Revolving Credit Facility Available Commitment for the Availability Period (the <b>Commitment Fee</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.2.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Commitment Fee is payable on the last Business Day of each quarter 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 (each a <b>Commitment Fee Payment Date</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Commitment Fee will be capitalised to the Senior Facility G Outstandings on each Commitment Fee Payment Date.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>DEFAULT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If an Event of Default occurs, and for so long as it is continuing, the Facility Agent may enforce any of the rights and remedies provided for in clause 23.15 (Acceleration) of the Common Terms Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">12.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GENERAL</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notices and domicilium</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">All documents in legal proceedings and notices in connection with this Agreement shall be served in accordance with clause 34 (Notices) of the Common Terms Agreement, which clause is incorporated by reference in this Agreement as if repeated in this Agreement in full (except that references in that clause to the Common Terms Agreement are to be construed as references to this Agreement).</p>
    <div id="footer_page_163">
        <p style="text-align: center;">10</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_164"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Incorporation of by reference</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The provisions clauses 18 (Costs and Expenses), 35 (Amendments and Waivers), 37 (General Provisions) and 41 (Waiver of Immunity) of the Common Terms Agreement apply to this Agreement as though they were set out in full in this Agreement (except that references in those clauses to the Common Terms Agreement are to be construed as references to this Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Governing Law</b></p>
    <p style="margin-left: 51.05pt; 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Jurisdiction</b></p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties agree that the High Court of South Africa is the most appropriate and convenient court to settle disputes.&#160; The Parties agree not to argue to the contrary and waive objection to this court on the grounds of inconvenient forum or otherwise in relation to proceedings in connection with this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.3<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 12.4 is for the benefit of the Finance Parties only.&#160; As a result, no Finance Party shall be prevented from taking proceedings relating to a dispute in any other court with jurisdiction.&#160; To the extent allowed by law, a Finance Party may take concurrent proceedings in any number of jurisdictions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Counterparts</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Agreement 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 Agreement.</p>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> has been entered into on the date stated at the beginning of this Agreement.</p>
    <div id="footer_page_164">
        <p style="text-align: center;">11</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_165"></a>
    <p style="text-align: right;"><b>SCHEDULE 1</b></p>
    <p style="text-align: center;"><b>FORM OF UTILISATION REQUEST</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">To:<font style="width: 11.05pt; display: inline-block;">&#160;</font><b>[&#9679;] </b>(as Facility Agent)</p>
    <p style="margin-left: 76.5pt; text-indent: -51pt; text-align: justify;">From:<font style="width: 26.39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED</b></p>
    <p style="margin-left: 25.5pt; text-align: right;">[&#11044;], [&#11044;]</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Dear Sirs,</p>
    <p style="margin-left: 25.5pt; text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED</b><br><b>(FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA<br>PROPRIETARY LIMITED)</b><br><b>Senior Facility G Agreement, dated [&#9679;], 2022</b><br><b>(</b>the <b>Agreement)</b></p>
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                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[<b>&#9679;</b>] (or, if that is not a Business Day, the next Business Day)</p>
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            <tr>
                <td style="width: 45%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <tr>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.66pt; text-indent: 0pt; display: inline-block;">&#160;</font>The proceeds of this Loan must be credited to [account].</p>
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    <p style="margin-left: 25.5pt; text-align: justify;">Yours faithfully,</p>
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    <p style="margin-left: 25.5pt; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;</p>
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    <p style="margin-left: 25.5pt; text-align: justify;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b></p>
    <div><br></div>
    <div id="footer_page_165">
        <p style="text-align: center;">12</p>
    </div>
    <hr style="page-break-after: always;" width="100%" size="5" color="black" noshade="noshade"><a name="page_166"></a>
    <p style="text-align: right;"><b>SCHEDULE 5</b></p>
    <p style="text-align: center;"><b>AMENDED AND RESTATED SENIOR FACILITY H AGREEMENT</b></p>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_167"></a> <br>
    <p style="margin-left: 25.5pt; text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>EXECUTION</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>SENIOR FACILITY H AGREEMENT</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: center; margin-top: 0pt;"><b>ORIGINALLY DATED 24 JANUARY, 2022<br></b><b>AS AMENDED AND RESTATED ON __ MARCH, 2023</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>SENIOR TERM LOAN FACILITY</b></p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">for</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED</b><br><b>(FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA<br>PROPRIETARY LIMITED)</b><br>(as borrower)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">provided by</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as lender)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">with</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as facility agent)</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: center; margin-top: 0pt;">This Agreement is entered into subject to the terms of a Common Terms Agreement<br>dated on or about the date of this Agreement</p>
    <p style="margin-left: 25.5pt; text-align: center;">&#160;</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
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            <td style="width: 100%; border-top: 0.75pt solid #000000;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 100%; text-align: right;"><img src="exhibit10-1x004.jpg" style="width: 177px;" height="44"></td>
        </tr>
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    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_168"></a>
    <p style="text-align: center;"><b>CONTENTS</b></p>
    <table style="font-size: 10pt; width: 100%; border-collapse: collapse;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="text-align: left; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Clause</b></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_169">1.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Definitions and Interpretation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_169">3</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_171">2.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_171">5</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_172">3.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Purpose</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_172">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_172">4.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Conditions of Utilisation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_172">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_172">5.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Utilisation and Disbursement</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_172">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_173">6.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Repayment</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_173">7</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_173">7.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Prepayment and Cancellation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_173">7</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_174">8.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Interest</a></td>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_175">9.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Interest Periods</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_175">9</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_175">10.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Fees</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_175">9</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_176">11.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Financial definitions</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_176">10</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_176">12.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_176">10</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_176">13.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Lesaka Market Price Discussion Trigger Event</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_176">10</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_177">14.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>General</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_177">11</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_178">Schedule 1 Form of Utilisation Request</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_178">12</a></td>
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    <br>
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    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is made between:</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(1)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED</b>),<b> </b>registration number 2002/031446/07, as borrower (the <b>Borrower</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(2)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as original lender (in this capacity, the <b>Original Senior Facility H Lender</b>); and</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(3)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as agent of the Senior Facility H Lenders (the <b>Facility Agent</b>).</p>
    <p style="text-align: justify;"><b>IT IS AGREED</b> 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>DEFINITIONS AND INTERPRETATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 39pt; 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: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Applicable Margin</b> means, in relation to any Senior Facility H Loan or Unpaid Sum:</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>from the Fourth Amendment and Restatement Date until 31 December, 2022, 2.00 per cent. per annum;</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>with effect from 1 January, 2023, for so long as the aggregate of the Senior Facility G Outstandings and Senior Facility H Outstandings are greater than R800,000,000, 5.50 per cent. per annum. Thereafter, with effect from the next Interest Payment Date after a change in threshold, for so long as the aggregate of the Senior Facility G Outstandings and Senior Facility H Outstandings:</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>are greater than R800,000,000, 5.50 per cent. per annum;</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>are equal to or less than R800,000,000 but greater than R350,000,000, 4.25 per cent. per annum;</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>are equal to or less than R350,000,000, 2.50 per cent. per annum,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">provided that no Event of Default has occurred and is continuing; and</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>with effect from the date of occurrence of an Event of Default and for so long as it is continuing, the Applicable Margin shall be the percentage per annum set out in paragraph (a) or (b) above, as applicable, plus 2.00 per cent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Availability Period</b> means the period from and including the Fourth Amendment and Restatement Date to and including the date falling one month from the Fourth Amendment and Restatement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Commitment</b> means the "Available Commitment" (as defined in the Common Terms Agreement) of a Senior Facility H Lender in respect of Senior Facility H.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.4<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Facility</b> means the aggregate, from time to time, of the Available Commitment of each Senior Facility H Lender.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Costs</b> means the amount (if any) determined by a Senior Facility H Lender by which:</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 interest (excluding the Applicable Margin) which that Senior Facility H Lender should have received for the period from the date of receipt of an amount repaid or prepaid in respect of any part of its participation in a Senior Facility H Loan or Unpaid Sum to the last day of the current Interest Period for that Senior Facility H Loan or Unpaid Sum, if the principal amount of that Senior Facility H Loan or Unpaid Sum received had been paid on the last day of that Interest Period;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">exceeds:</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>the amount which that Senior Facility H Lender would be able to obtain by placing an amount equal to the principal amount of the Senior Facility H Loan or Unpaid Sum received by it on deposit with a leading bank in the Johannesburg interbank market for a period starting on the Business Day following receipt or recovery and ending on the last day of the current Interest Period,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and <b>Break Gains</b> means the amount (if any) determined by the relevant Senior Facility H Lender by which the amount of interest contemplated in paragraph (b) above exceeds that in paragraph (a) above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.6<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Common Terms Agreement</b> means the written agreement entitled "Common Terms Agreement", dated on or about 21 July, 2017 (as amended and/or reinstated from time to time), between, amongst others, the Borrower (as borrower) and the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.7<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Maturity Date</b> means 31 December, 2025.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.8<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Payment Date</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 last day of March, June, September and December in any year; 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>the Final Maturity Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.9<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Period</b> means, in relation to a Senior Facility H Loan, each period determined in accordance with Clause 9 (Interest Periods).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.10<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka Market Price Discussion Trigger Event </b>means the market capitalisation of Holdco on the NASDAQ Stock Market (based on the closing price on the NASDAQ Stock Market) on any day falls below the USD equivalent of ZAR3,250,000,000 (or such other amount agreed by the Parties).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.11<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka Market Price Trigger Event</b> means the market capitalisation of Holdco on the NASDAQ Stock Market (based on the closing price on the NASDAQ Stock Market) falls and remains below the USD equivalent of ZAR2,600,000,000 (or such other amount agreed by the Parties) on more than one day between the first Utilisation Date and the Final Discharge Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.12<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Party</b> means a party to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.13<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility G Outstandings</b> means "Senior Facility G Outstandings" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.14<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H</b> or <b>Facility</b> means the term loan facility made available to the Borrower under this Agreement.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.15<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Commitment</b> means the "Senior Facility H Commitment" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.16<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Loan</b> or <b>Loan</b> means a "Senior Facility H Loan" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.17<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H Outstandings</b> means "Senior Facility H Outstandings" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.18<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Signature Date</b> means the date stated at the beginning of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.19<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Senior Facility H Commitments</b> means "Total Senior Facility H Commitments" as defined in the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.20<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Unpaid Sum</b> means an "Unpaid Sum" as defined in the Common Terms Agreement in respect of Senior Facility H.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.21<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Request</b> means the notice substantially in the form set out in Schedule 1 (Form of Utilisation Request).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.22<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Fund</b> means the Value Capital Partners H4 QI Hedge Fund Portfolio.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.23<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Investment Manager</b> means Value Capital Partners Proprietary Limited (registration number 2016/242305/07), a company registered under the laws of South Africa.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.24<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Manco</b> means H4 Collective Investments (RF) Proprietary Limited (registration number 2002/009140/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 39pt; 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;">1.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Terms and expressions defined in the Common Terms Agreement, unless expressly defined in this Agreement, have the same meaning in this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The provisions of clauses 1.3 (Construction) and 1.4 (Third party rights) of the Common Terms Agreement apply to this Agreement as though they were set out in full in this Agreement, except that a reference in those clauses to the Common Terms Agreement are to be construed as references to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement and the rights and obligations of the Parties hereunder shall in all respects be subject to the terms and conditions of the Common Terms Agreement, which shall apply <i>mutatis mutandis </i>to this Agreement and be incorporated herein by reference.&#160; If there is any conflict between this Agreement and the Common Terms Agreement, this Agreement shall prevail.</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: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Senior Facility H</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the Common Terms Agreement, the Senior Facility H Lenders make available to the Borrower a Rand-denominated term loan facility in an aggregate amount equal to the Total Senior Facility H Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Designation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Agreement is a Senior Facility Agreement and the Senior Facility H Agreement, each as defined in the Common Terms Agreement.</p>
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    <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>PURPOSE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Senior Facility H only in or towards the purpose set out in clause 3.1.3 (Purpose) of the Common Terms Agreement, and for no other purpose whatsoever.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Finance Party is bound to monitor or verify the utilisation of Senior Facility H or will be responsible for, or for the consequences of, such a utilisation.</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>CONDITIONS OF UTILISATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Conditions precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request to the Facility Agent under Senior Facility H (and no Senior Facility H Lender shall have any obligation to advance any Senior Facility H Loan or to provide any other form of credit or financial accommodation under this Agreement to any person) unless the Facility Agent has issued the notice contemplated by clause 4.1 (Initial conditions precedent) of the Common Terms Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 39pt; 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 Common Terms Agreement and this Agreement, a Senior Facility H Lender will only be obliged to participate in a Senior Facility H Loan if the requirements of clause 4.2 (Further conditions precedent) of the Common Terms Agreement have been met.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Maximum number of Loans</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request under Senior Facility H if as a result of the proposed Utilisation more than one Senior Facility H Loan would be outstanding.</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>UTILISATION AND DISBURSEMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; 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;">5.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may utilise Senior Facility H during the Availability Period by delivery to the Facility Agent of a duly completed Utilisation Request.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless the Facility Agent otherwise agrees, the latest time for receipt by the Facility Agent of a Utilisation Request is 17h00 two Business Days before the proposed Utilisation Date or such shorter period as the Facility Agent agrees in writing.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Utilisation Request is irrevocable.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.1.4<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>A maximum of one Utilisation Request may be delivered by the Borrower on or following the Fourth Amendment and Restatement Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; 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;">5.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Utilisation Request 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 5.3 below; and</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>it specifies a bank account in South Africa to which the Borrower requires the proceeds of the Senior Facility H Loan to be credited.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Only one Senior Facility H Loan may be requested in a Utilisation Request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.3<font style="width: 39pt; 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;">5.3.1<font style="width: 56.5pt; 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;">5.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of the proposed Senior Facility H Loan is for the full amount of the Senior Facility H Available Commitments of the relevant Senior Facility H Lender or such lesser amount as the Facility Agent may agree.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disbursement</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the conditions set out in this Agreement and the Common Terms Agreement have been met, each Senior Facility H Lender must advance and lend to the Borrower, who shall borrow from each such Lender, that Lender's participation in the Senior Facility H Loan on the Utilisation Date.&#160; A Senior Facility H Lender must make its participation in the Senior Facility H Loan available to the Facility Agent by no later than 11h00 on the applicable Utilisation Date for disbursement to the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of each Senior Facility H Lender's participation in the Senior Facility H Loan will be equal to the proportion borne by its Available Commitment (if any) to the Available Facility immediately prior to making the Loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.3<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Senior Facility H Lender is obliged to participate in a Senior Facility H Loan if, as a result:</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 share in the outstanding Senior Facility H Loan would exceed its Available Commitment; 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 outstanding Senior Facility H Loan would exceed the Available Facility.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Automatic cancellation of Commitments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Senior Facility H Commitments which, at that time, are unutilised, and in respect of which no Utilisation Request has been delivered, shall be immediately cancelled at 10h00 on the last day of the Availability Period.</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>REPAYMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall repay the Senior Facility H Loan in full on the Final Maturity Date (subject to Clauses 7 (Prepayment and Cancellation) and 12 (Default)).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any amount which remains outstanding under Senior Facility H on the Final Maturity Date shall be repaid in full on that date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of a Senior Facility H Loan repaid under this Clause 6 may be re-borrowed.</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>PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary cancellation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may cancel the unutilised and undrawn amount of the Senior Facility H Commitments in accordance with the requirements (and subject to the terms) of clause 7 (Prepayment and Cancellation) of the Common Terms Agreement.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of the Senior Facility H Commitments cancelled pursuant to this Clause may be reinstated.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 39pt; 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;">7.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may make voluntary prepayments in respect of the Senior Facility H Loan made to it, in whole or in part, in accordance with the requirements (and subject to the terms) of clause 7 (Prepayment and Cancellation) of the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of a Senior Facility H Loan prepaid pursuant to this Clause may be re-borrowed.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment and prepayment offers</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall be obliged to make mandatory prepayments and/or offers to make prepayments (as applicable) in respect of the Senior Facility H Loan made to it to the Senior Facility H Lenders in accordance with the requirements (and subject to the terms) of clauses 7 (Prepayment and Cancellation) and 8 (Prepayment Offers and Priorities) of the Common Terms Agreement.</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>INTEREST</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Calculation of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The rate of interest on each Senior Facility H Loan (and any Unpaid Sum) for each Interest Period is the percentage rate per annum which is the aggregate of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Applicable Margin; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Base Rate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payment of interest</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall pay all accrued interest on the Senior Facility H Loan made to it on each Interest Payment Date, in accordance with the requirements of clause 31 (Payment Mechanics) of the Common Terms Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding Clause 8.2.1, the Borrower may, by notice to the Facility Agent delivered not less than 10 Business Days' prior to an Interest Payment Date, elect that any accrued interest on a Senior Facility H Loan for the relevant Interest Period which ends on that Interest Payment Date, be capitalised to the Senior Facility H Outstandings on that Interest Payment Date, provided that the Senior Facility H Outstandings plus any capitalised interest in respect of Senior Facility H shall not exceed 120 per cent. of the Senior Facility H Commitment on that Interest Payment Date. If the Senior Facility H Outstandings would exceed the Senior Facility H Commitment on that Interest Payment Date that portion of the accrued interest which would cause the Senior Facility H Outstandings to exceed 120 per cent. of the Senior Facility H Commitment shall be paid on that Interest Payment Date..</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest on overdue amounts</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any interest accruing on an Unpaid Sum shall be immediately payable by the Borrower on demand by the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default interest (if unpaid) arising on any Unpaid Sum will be compounded with that Unpaid Sum on the last day of each calendar month, but will remain immediately due and payable.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.4<font style="width: 39pt; 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;">Without prejudice to the obligation of the Borrower to pay interest calculated at any applicable rate under this Clause 8, the Facility Agent shall notify the Senior Facility H Lenders and the Borrower, as soon as reasonably practicable:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the determination of a rate of interest under this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>when interest commences to accrue at the rate calculated by reference to the Applicable Margin specified in Clause 1.1.1(c)(Definitions).</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>INTEREST PERIODS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Duration</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Senior Facility H Loan has successive Interest Periods:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>commencing on (and including) the Utilisation Date (in respect of the first Interest Period for that Senior Facility H Loan) or commencing on (and including) an Interest Payment Date; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>ending on (but excluding) the next Interest Payment Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Periods for Unpaid Sums</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Interest accruing on an Unpaid Sum shall be calculated as if that Unpaid Sum, during the period of non-payment, constituted a Loan under Senior Facility H for successive Interest Periods, each of a duration selected by the Facility Agent (acting reasonably).&#160; For this purpose, the Facility Agent (acting reasonably) may:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>select successive Interest Periods of any duration of up to three months; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>determine the appropriate Quotation Day for that Interest Period.</p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any Unpaid Sum consists of all or part of the Senior Facility H Loan which became due on a day which was not the last day of an Interest Period relating to that Senior Facility H Loan, the first Interest Period for that Unpaid Sum shall have a duration equal to the unexpired portion of the current Interest Period relating to the Senior Facility H Loan.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No overrunning the Final Maturity Date</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Interest Period for a Senior Facility H Loan would otherwise extend beyond the Final Maturity Date, it will be shortened so that it ends on the Final Maturity Date.&#160; This Clause does not apply to Interest Periods selected under Clause 9.2 above in respect of Unpaid Sums which remain outstanding on the Final Maturity Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Business Days</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Interest Payment Date would otherwise occur on a day which is not a Business Day, that Interest Payment Date will instead be 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: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13pt; 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;">10.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-refundable Deal Origination Fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay to the Senior Facility H Lender a non-refundable deal origination fee in the amount and at the times agreed in a Fee Letter.</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FINANCIAL DEFINITIONS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Definitions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">In this Clause 11, the following terms have the meanings set out below:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.1<font style="width: 51.5pt; 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.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total VCP Investment Fund Net Asset Value</b>, at any time, means the aggregate of the "value" of the assets of the VCP Investment Fund at that time, determined in accordance with the valuation policy adopted by VCP Manco in respect of VCP Investment Fund or as otherwise agreed between the Borrower and the Facility Agent less the VCP Consolidated Total Borrowings at that time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.3<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Asset Cover Ratio</b> in relation to the VCP Investment Funds, at any time, means the ratio borne by (x) the Total VCP Investment Fund Net Asset Value to (y) the Senior Facility H Outstandings.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.4<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Compliance Certificate</b> means a certificate delivered by the VCP Investment Manager setting out the VCP Asset Cover Ratio pursuant to Clause 11.3.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.5<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Consolidated Total Borrowings</b> in respect of the VCP Investment Fund, at any time, means, without double counting, the aggregate at that time of the Financial Indebtedness of the VCP Investment Fund calculated at its nominal or principal amount or, if greater, the maximum amount payable on scheduled repayment or scheduled redemption of the relevant liabilities.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Asset Cover Ratio</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The VCP Asset Cover Ratio for any Measurement Period shall not fall below 5.00 : 1.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VCP Compliance Certificate</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.3.1<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall procure that the VCP Investment Manager delivers to the Facility Agent a VCP Compliance Certificate issued by the VCP Investment Manager on behalf of the VCP Investment Funds and addressed to the Lender on or before the date occurring no later than 60 days the after the applicable Measurement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.3.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each VCP Compliance Certificate delivered by the VCP Investment Manager shall: set out (in reasonable detail) computations as to compliance with Clause 11.2 (VCP Asset Cover Ratio) for the applicable Measurement Date and shall be signed by two directors of the VCP Investment Manager.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.3.3<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The failure of the VCP Investment Manager to deliver a VCP Compliance Certificate shall constitute an Event of Default.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">12.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>DEFAULT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If an Event of Default occurs, and for so long as it is continuing, the Facility Agent may enforce any of the rights and remedies provided for in clause 23.15 (Acceleration) of the Common Terms Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">13.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA MARKET PRICE DISCUSSION TRIGGER EVENT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If a Lesaka Market Price Discussion Trigger Event occurs, the Senior Facility H Lender shall have the right to discuss the capitalisation of the Group with management of any member of the Group and VCP.</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">14.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GENERAL</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notices and domicilium</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">All documents in legal proceedings and notices in connection with this Agreement shall be served in accordance with clause 34 (Notices) of the Common Terms Agreement, which clause is incorporated by reference in this Agreement as if repeated in this Agreement in full (except that references in that clause to the Common Terms Agreement are to be construed as references to this Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Incorporation of by reference</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The provisions clauses 17 (Costs and Expenses), 35 (Amendments and Waivers), 37 (General Provisions) and 41 (Waiver of Immunity) of the Common Terms Agreement apply to this Agreement as though they were set out in full in this Agreement (except that references in those clauses to the Common Terms Agreement are to be construed as references to this Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Governing Law</b></p>
    <p style="margin-left: 51.05pt; 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Jurisdiction</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.4.1<font style="width: 51.5pt; 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 this Agreement (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: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.4.2<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties agree that the High Court of South Africa is the most appropriate and convenient court to settle disputes.&#160; The Parties agree not to argue to the contrary and waive objection to this court on the grounds of inconvenient forum or otherwise in relation to proceedings in connection with this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.4.3<font style="width: 51.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 14.4 is for the benefit of the Finance Parties only.&#160; As a result, no Finance Party shall be prevented from taking proceedings relating to a dispute in any other court with jurisdiction.&#160; To the extent allowed by law, a Finance Party may take concurrent proceedings in any number of jurisdictions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Counterparts</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Agreement 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 Agreement.</p>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> has been entered into on the date stated at the beginning of this Agreement.</p>
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    <p style="text-align: right;"><b>SCHEDULE 1</b></p>
    <p style="text-align: center;"><b>FORM OF UTILISATION REQUEST</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">To:<font style="width: 11.05pt; display: inline-block;">&#160;</font><b>[&#9679;]</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">as Facility Agent</p>
    <p style="margin-left: 76.5pt; text-indent: -51pt; text-align: justify;">From:<font style="width: 26.39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS</b> <b>NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b></p>
    <p style="margin-left: 25.5pt; text-align: right;">[&#11044;], [&#11044;]</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Dear Sirs,</p>
    <p style="margin-left: 25.5pt; text-align: center;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED</b><br><b>(FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA<br>PROPRIETARY LIMITED)</b><br><b>Senior Facility H Agreement, dated [&#9679;], 2022</b><br><b>(</b>the <b>Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement.&#160; This is a Utilisation Request.&#160; 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: 18pt; text-indent: 0pt; display: inline-block;">&#160;</font>We wish to borrow a Senior Facility H Loan on the following terms:</p>
    <div style="margin-left: 27pt;">
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            <tr>
                <td style="width: 45%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="margin-left: 25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Proposed Utilisation Date:</p>
                </td>
                <td style="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="margin-left: 25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">[<b>&#9679;</b>] (or, if that is not a Business Day, the next Business Day)</p>
                </td>
            </tr>
            <tr>
                <td style="width: 45%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 45%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="margin-left: 25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Amount:</p>
                </td>
                <td style="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="margin-left: 25.5pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">R[<b>&#9679;</b>] or, if less, the Available Facility</p>
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            </tr>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.66pt; text-indent: 0pt; display: inline-block;">&#160;</font>The proceeds of this Loan must be credited to [account].</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.66pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that each condition specified in Clause 4.2 (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;">5.<font style="width: 17.66pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Utilisation Request is irrevocable.</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Yours faithfully,</p>
    <p style="margin-left: 25.5pt; text-align: justify;">&#160;</p>
    <p style="margin-left: 25.5pt; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;</p>
    <p style="margin-left: 25.5pt; text-align: justify;">authorised signatory for</p>
    <p style="margin-left: 25.5pt; text-align: justify;"><b>LESAKA TECHNOLOGIES PROPRIETARY LIMITED (FORMERLY KNOWN AS NET1 APPLIED TECHNOLOGIES SOUTH AFRICA PROPRIETARY LIMITED)</b></p>
    <hr style="page-break-after: always;" width="100%" size="5" color="black" noshade="noshade"><a name="page_179"></a>
    <p style="text-align: center;"><b>SIGNATURE PAGE</b></p>
    <p style="text-align: justify;"><b>THE BORROWER</b></p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify; margin-bottom: 0pt;">/s/ Lincoln Camagu Mali</p>
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        <tr>
            <td style="margin-bottom: 0pt; border-top: 0.75pt solid #000000; padding-left: 5.4pt;" colspan="2">
                <p>For and on behalf of:<br><b>Lesaka Technologies Proprietary Limited</b></p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>&#160;</p>
            </td>
            <td style="width: 44%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;" colspan="2">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Name:</p>
            </td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Lincoln Camagu Mali</p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
        </tr>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Office:</p>
            </td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Director</p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        </tr>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">(who warrants authority)</p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
        </tr>
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    <p style="text-align: justify;"><b>HOLDCO</b></p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify; margin-bottom: 0pt;">/s/ Naeem Ebrahim Kola</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="margin-bottom: 0pt; border-top: 0.75pt solid #000000; padding-left: 5.4pt;" colspan="2">
                <p>For and on behalf of:<br><b>Lesaka Technologies Inc.</b></p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>&#160;</p>
            </td>
            <td style="width: 44%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;" colspan="2">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
        </tr>
        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Name:</p>
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Naeem Ebrahim Kola</p>
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                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Office:</p>
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Director</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">(who warrants authority)</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_180"></a>
    <p style="text-align: center;"><b>SIGNATURE PAGE</b></p>
    <p style="text-align: justify;"><b>ORIGINAL GUARANTOR</b></p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify; margin-bottom: 0pt;">/s/ Lincoln Camagu Mali</p>
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            <td style="margin-bottom: 0pt; border-top: 0.75pt solid #000000; padding-left: 5.4pt;" colspan="2">
                <p>For and on behalf of:<br><b>EasyPay Proprietary Limited</b></p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>&#160;</p>
            </td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;" colspan="2">
                <p>&#160;</p>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Lincoln Camagu Mali</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_181"></a>
    <p style="text-align: center;"><b>SIGNATURE PAGE</b></p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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    <p style="text-align: justify;">&#160;</p>
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            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
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            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
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            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>&#160;</p>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 9%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 8%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>exhibit10-2.htm
<DESCRIPTION>EXHIBIT 10.2
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<head>
    <title>Lesaka Technologies, Inc.: Exhibit 10.2 - Filed by newsfilecorp.com</title>
</head>

<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;">Exhibit 10.2</p>
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    <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: 0.2pt; 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>DATED 22 MARCH, 2023</b></p>
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    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <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; margin-bottom: 0pt;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br>(as Borrower)</p>
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    <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;">and</p>
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    <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; margin-bottom: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b><br>(as Mandated Lead Arranger)</p>
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    <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;">and</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;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)<br></b>(as Facility Agent)</p>
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    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">relating to a Facilities Agreement, originally dated 24 January, 2022</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_2"></a>
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            <td style="text-align: left; border-bottom: 0.75pt solid #000000; white-space: nowrap;"><b>Clause</b></td>
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        <tr>
            <td style="text-align: left;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_3">1.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Interpretation</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_3">3</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_4">2.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Effective Date</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_4">4</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_4">3.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Amendments</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_4">4</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_4">4.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Representations and Warranties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_4">4</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_4">5.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Miscellaneous</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_4">4</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_5">6.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Governing Law</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_5">5</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_5">7.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Counterparts</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_5">5</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_6">Schedule 1 The Original Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_6">6</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_8">Schedule 2 Conditions Precedent</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_8">8</a></td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_10">Schedule 3 Amended and Restated Facilities Agreement</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_10">10</a></td>
        </tr>
    </table>
    <br>
    <div id="footer_page_2">
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_3"></a>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is made between:</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(1)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b>, registration number 2006/010530/07, a company incorporated under the laws of South Africa, as borrower (the <b>Borrower</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(2)<font style="width: 13.5pt; 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>Original Guarantors</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(3)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LUXANIO 227 PROPRIETARY LIMITED</b>, registration number 2018/605739/07, a company incorporated under the laws of South Africa and <b>OVOBIX (RF) PROPRIETARY LIMITED</b>, registration number 2013/068120/07, a company incorporated under the laws of South Africa, as minority shareholders of the Borrower (the <b>Minority Shareholders</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(4)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as mandated lead arranger (the <b>Arranger</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(5)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>THE FINANCIAL INSTITUTION</b> listed in Part II of Schedule 1 (The Original Parties) as term lender (the <b>Original Term Lender</b>);</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(6)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as lender under the general banking facilities (the <b>GBF</b> <b>Lender</b>); and</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">(7)<font style="width: 13.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as facility agent of the other Finance Parties (the <b>Facility Agent</b>).</p>
    <p style="text-align: justify;"><b>BACKGROUND</b>:</p>
    <p style="margin-left: 22.7pt; text-indent: -22.7pt; text-align: justify;">(A)<font style="width: 8.87pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement is supplemental to, amends and restates (but does not novate) the Original Facilities Agreement (as defined below).</p>
    <p style="margin-left: 22.7pt; text-indent: -22.7pt; text-align: justify;">(B)<font style="width: 9.37pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties have consented to the amendments to the Original Facilities Agreement contemplated by this Agreement.</p>
    <p style="text-align: justify;"><b>IT IS AGREED</b> as follows:</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">1.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INTERPRETATION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.1<font style="width: 39pt; 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: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amended and Restated Facilities Agreement</b> means the Original Facilities Agreement, as amended and restated pursuant to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment Document</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>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 Amended and Restated Facilities 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>the Security Amendment Letter.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Effective Date</b> means the date on which the Facility Agent issues the notice referred to in Clause 2.1 (Effective Date).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Facilities Agreement</b> means the facilities agreement dated 24 January, 2022 between the Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Amendment Letter</b> means the amendment letter dated on or about the date of this Agreement between the Parties.</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_4"></a>
    <p style="margin-left: 51.05pt; text-align: justify;">Unless expressly otherwise defined in this Agreement, terms and expressions defined in the Amended and Restated Facilities Agreement have the same meaning in this Agreement.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Construction</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The provisions of clause 1 (Definitions and Interpretation) and clause 32 (Notices) to 41 (No Implied Terms) of the Amended and Restated Facilities Agreement apply to this Agreement as though they were set out in full in this Agreement, except that references to the Amended and Restated Facilities Agreement are to be construed as references to this Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EFFECTIVE DATE </b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Facilities Agreement will not be amended by this Agreement unless the Facility Agent notifies the Borrower that the Borrower has delivered to the Facility Agent all the documents set out in Schedule 2 (Conditions Precedent) in form and substance satisfactory to the Facility Agent. The Facility Agent must give this notification as soon as reasonably practicable.&#160; The requirements set out in this Clause 2.1 are for the benefit solely of the Finance Parties.&#160; The Facility Agent may waive or defer delivery of any or all of the documents set out in Schedule 2 (Conditions Precedent) , subject to such other conditions (if any) as it may determine.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent does not give the notice contemplated in Clause 2.1 above to the Borrower on or before 23h59 on 31 March, 2023, this agreement shall cease to be of any force and effect and the Original Facilities Agreement shall not be amended as provided in this Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">3.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>AMENDMENTS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment and restatement of Facilities Agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, on and with effect from the Effective Date, the Original Facilities Agreement will be amended so that it reads as if it were restated in the form set out in Schedule 3 (Amended and Restated Facilities Agreement).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">On and with effect from the Effective Date, any reference in a Finance Document to the "Facility Agreement" or the "CCMS Facility Agreement" shall be a reference to that agreement as amended and restated pursuant to this Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">4.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPRESENTATIONS AND WARRANTIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor confirms to the Finance Parties that, on the date of this Agreement and the Effective Date, the representations contained in clause 20 (Representations and Warranties) of the Original Facilities Agreement (the <b>Representations</b>):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>are true; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.2<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>would also be true if references to the Original Facilities Agreement were construed as references to the Original Facilities Agreement as amended by this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>In each case, each Representation is made by reference to the circumstances existing at the date of this Agreement.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">5.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>MISCELLANEOUS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Agreement is a 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_5"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Facilities Agreement and this Agreement will, from the Effective Date, be read and construed as one document.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">5.3<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as otherwise provided in this Agreement and for amendments, amendments and restatement or replacements of Finance Documents required pursuant to Clause 2 (Effective Date), the Finance Documents remain in full force and effect without any amendment whatsoever.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">5.4<font style="width: 38.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except to the extent expressly waived in this Agreement, no waiver is given by this Agreement and the Facility Agent expressly reserves all its rights and remedies in respect of any breach of, or other Default under, the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">6.<font style="width: 19pt; 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;">7.<font style="width: 19pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>COUNTERPARTS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">This Agreement 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 Agreement.</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_6"></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;"><b>Part I</b></p>
    <p style="text-align: center;"><b>The Guarantors</b></p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #d9d9d9; width: 7%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;">&#160;</td>
            <td style="width: 49%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Name of Guarantor</b></td>
            <td style="width: 18%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Jurisdiction of<br>Incorporation</b></td>
            <td style="background-color: #d9d9d9; width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Registration number<br></b><b>(or equivalent, if any)</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Cash Connect Rentals Proprietary Limited</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 25%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2009/007139/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">2.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Deposit Manager Proprietary Limited</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 25%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2010 /016889/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">3.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Cash Connect Capital Proprietary Limited</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 25%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2017/029430/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">4.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Main Street 1723 Proprietary Limited</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 25%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2019/300711/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">5.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">K2021477132 (South Africa) Proprietary Limited</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 25%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2021/477132/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">6.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">K2020 Connect Proprietary Limited</td>
            <td style="width: 18%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">South Africa</td>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">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_7"></a>
    <p style="text-align: center;"><b>Part II</b></p>
    <p style="text-align: center;"><b>The Original Term Lenders</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
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            <td style="background-color: #d9d9d9; width: 6%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>&#160;</b></td>
            <td style="background-color: #d9d9d9; width: 93%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Original Term Lender</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">FirstRand Bank Limited (acting through its Rand Merchant Bank division)</td>
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    </table>
    <br>
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    <p style="text-align: right;"><b>SCHEDULE 2</b></p>
    <p style="text-align: center;"><b>CONDITIONS PRECEDENT</b></p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.1<font style="width: 56.5pt; text-indent: 0pt; display: inline-block;">&#160;</font>approving the terms of, and the transactions contemplated by, the Amendment Documents to which it is a party and resolving that it execute, deliver and perform the Amendment Documents to which it is a party;</p>
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    <div id="footer_page_9">
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_10"></a>
    <p style="text-align: right;"><b>SCHEDULE 3</b></p>
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    <div id="footer_page_10">
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_11"></a>
    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>EXECUTION</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;">&#160;</p>
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    <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>ORIGINALLY DATED 24 JANUARY, 2022</b><br><b>AS AMENDED AND RESTATED ON 22 MARCH, 2023</b></p>
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    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <p style="margin-top: 0pt; margin-left: 0.3pt; text-align: center; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-top: 0pt; margin-left: 0.3pt; text-align: center; margin-bottom: 0pt;">&#160;</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_12"></a>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_43">30</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_45">5.<font style="width: 20.01pt; text-indent: 0pt; display: inline-block;">&#160;</font>Utilisation</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_46">33</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_47">34</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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        <tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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        <tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_57">44</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_68">55</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_74">21.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Information Undertakings</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_74">61</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_78">22.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Financial Covenants</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_78">65</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_86">23.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>General Undertakings</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_86">73</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_94">81</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_100">25.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Changes to the Lenders</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_100">87</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_102">26.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Changes to the Obligors</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_102">89</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_104">27.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Role of The Facility Agent, The Arranger and Others</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_104">91</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_112">28.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Conduct of Business by the Finance Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_112">99</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_112">29.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Sharing Among the Finance Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_112">99</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_114">30.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Payment Mechanics</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_114">101</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_116">31.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Set-Off</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_116">103</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_116">32.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notices</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_116">103</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_119">33.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Calculations and Certificates</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_119">106</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_119">34.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Partial Invalidity</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_119">106</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_119">35.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Remedies and Waivers</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_119">106</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_120">36.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Amendments and Waivers</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_120">107</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_122">37.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Confidential Information</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_122">109</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_124">38.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Renunciation of benefits</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_124">111</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_124">39.<font style="width: 14.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>Waiver of immunity</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_124">111</a></td>
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    <p style="text-indent: -28.35pt; margin-left: 28.35pt; text-align: center;"><font style="color: #000000;">2</font></p>
    <hr style="page-break-after: always;" width="100%" size="5" color="black" noshade="noshade"><a name="page_13"></a><br>
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            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_124">111</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_125">41.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Implied Terms</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_125">112</a></td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_125">42.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Counterparts</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_125">112</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_126">43.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Governing Law</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_126">113</a></td>
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        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
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            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt; background-color: #eeeeee;"><a href="#page_126">44.<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>Jurisdiction</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_126">113</a></td>
        </tr>
        <tr>
            <td style="text-align: left; padding-left: 28.35pt; text-indent: -28.35pt;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_127">Schedule 1 The Original Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_127">114</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_129">Schedule 2 Conditions Precedent</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_129">116</a></td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_135">Schedule 3 Form of Utilisation Request</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_135">122</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_136">Schedule 4 Repayment Schedule</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_136">123</a></td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_137">Schedule 5 Form of Transfer Certificate</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_137">124</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_140">Schedule 6 Form of Accession Letter</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_140">127</a></td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_143">Schedule 7 Form of Compliance Certificate</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_143">130</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_144">Schedule 8 Form of Equity Cure Notice</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_144">131</a></td>
        </tr>
        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_146">Schedule 9 Transaction Security</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_146">133</a></td>
        </tr>
        <tr>
            <td style="text-align: left;"><a href="#page_147">Schedule 10 Acceptable Lenders</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_147">134</a></td>
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        <tr>
            <td style="text-align: left; background-color: #eeeeee;"><a href="#page_148">Schedule 11 Disclosure Schedule</a></td>
            <td style="width: 10%; text-align: right; background-color: #eeeeee;"><a href="#page_148">135</a></td>
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    <p style="text-align: center;">3</p>
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    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is made between:</p>
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    <p style="margin-left: 28.35pt; text-indent: -28.35pt; text-align: justify;">(2)<font style="width: 16.13pt; 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>Original Guarantors</b>);</p>
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    <p style="margin-left: 28.35pt; text-indent: -28.35pt; text-align: justify;">(5)<font style="width: 16.13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as lender under the general banking facilities (the <b>GBF</b> <b>Lender</b>);</p>
    <p style="margin-left: 28.35pt; text-indent: -28.35pt; text-align: justify;">(6)<font style="width: 16.13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> as facility agent of the other Finance Parties (the <b>Facility Agent</b>).</p>
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    <p style="text-align: center;"><b>SECTION 1</b><br><b>INTERPRETATION</b></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>First National Bank of Botswana Limited, Bank Gaborone Limited and Absa Bank Botswana Limited;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Accession Letter </b>means, in respect of an Additional Guarantor, a document substantially in the form set out in Part I of Schedule 6 (Form of Accession Letter).</p>
    <div id="footer_page_14">
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_15"></a>
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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>from the Closing Date until 28 February, 2022, the last day of February each year;</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>from 1 March, 2022, 30 June each year (or such other date each year agreed by the Facility Agent).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition</b> means the purchase by Lesaka of the shares and claims in the Target Companies from the "Sellers" as defined in the SPA.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition Date </b>means the date on which the Acquisition is implemented.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition Documents</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 SPA;</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 agreement entitled "Cancellation Agreement" concluded on 31 October 2021 between Luxanio and 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>the agreement entitled "Redemption Agreement" concluded on 31 October 2021 between the Borrower and Richard Phillips;</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 agreement entitled "Share Sale Agreement" concluded on 31 October 2021 between Pierre Johann Liebenberg and the Borrower; and</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 agreement entitled "Share Sale Agreement" concluded on 31 October 2021 between Alan Serrurier and the Borrower;</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>any other document designated as an "Acquisition Document" by written agreement between the Borrower and the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.8<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional Guarantor</b> means a company which becomes an Additional Guarantor in accordance with Clause 26.2 (Additional Guarantors).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.9<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional Obligor </b>means an Additional Guarantor.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.10<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Affiliate</b>, in relation to any person, means 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;">1.1.11<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Annual Financial Statements</b> has the meaning given to that term in Clause 21 (Information Undertakings).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.12<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Auditors</b> means PwC, EY, KPMG, Deloitte and BDO or any other firm approved in advance by the Lenders (such approval not to be unreasonably withheld or delayed).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.13<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisation</b> means an authorisation, consent, approval, resolution, licence, exemption, filing, notarisation or registration.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.14<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Availability Period</b> means, in relation to a Term Facility:</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 period from and including the Closing Date to and including 6 May, 2022; 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>the period from and including First Amendment and Restatement Date to and including the date occurring 30 days from the First Amendment and Restatement Date.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.15<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Commitment</b> means, in relation to a Term Facility, a Lender's Commitment under that Facility 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 its participation in any outstanding Loans under that 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 its participation in any other Loans that are due to be made under that Facility on or before the proposed Utilisation Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.16<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Facility</b> means, in relation to a Term Facility, the aggregate for the time being of each Lender's Available Commitment in respect of that Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.17<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Base Case Model</b> means the financial model in a form agreed between the Borrower and the Finance Parties prior to the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.18<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Base Rate </b>means for an Interest Period of the Loan or Unpaid Sum, JIBAR, or for an Interest Period of the Loan or Unpaid Sum which is less than or greater than a full period of three months (a <b>Broken JIBAR Period</b>), the rate determined in accordance with the following formula:</p>
    <p style="text-align: center;"><img src="exhibit10-2xu001.jpg"></p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">where:</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<font style="width: 28.63pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 24pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Base Rate;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<sub>1</sub><font style="width: 24.07pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>JIBAR for the period closest to but less than the Broken JIBAR Period plus, if this would result in R<sub>1</sub> being equal to the JIBAR Overnight Deposit Rate, 0.10 per cent.;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">R<sub>2</sub><font style="width: 24.07pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 25pt; text-indent: 0pt; display: inline-block;">&#160;</font>JIBAR for the period closest to but greater than the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<font style="width: 29.24pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 24pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<sub>1</sub><font style="width: 25.18pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 24pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the period for which R<sub>1</sub> is quoted on the first day of the Broken JIBAR Period;</p>
    <p style="text-align: justify; margin-left: 141.75pt; text-indent: -65.2pt;">T<sub>2</sub><font style="width: 25.18pt; text-indent: 0pt; display: inline-block;">&#160;</font>=<font style="width: 24pt; text-indent: 0pt; display: inline-block;">&#160;</font>the number of days in the period for which R<sub>2</sub> is quoted on the first day of the Broken JIBAR Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.19<font style="width: 51pt; 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;">1.1.20<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Borrower</b> means the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.21<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Borrowings</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.22<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Costs</b> means the amount (if any) by which:</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>the interest excluding the Margin which a Lender should have received for the period from the date of receipt of all or any part of its participation in a Loan or Unpaid Sum to the last day of the current Interest Period in respect of that Loan or Unpaid Sum, had the principal amount or Unpaid Sum received been paid on the last day of that Interest Period;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">exceeds:</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 amount which that Lender would be able to obtain by placing an amount equal to the principal amount or Unpaid Sum received by it on deposit with a leading bank in the Johannesburg interbank market for a period starting on the Business Day following receipt or recovery and ending on the last day of the current Interest Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.23<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Gains</b> means the amount (if any) by which the amount referred to in Clause 1.1.22(b) exceeds the amount referred to in Clause 1.1.22(a).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.24<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business Day</b> means a day (other than a Saturday or Sunday) on which banks are open for general business in Johannesburg.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.25<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Capital Expenditure</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.26<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash</b> means, at any time, cash denominated in ZAR in hand or at bank and (in the latter case) credited to an account in the name of an Obligor with an Acceptable Bank and to which an Obligor is alone beneficially entitled and for so long as:</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>that cash is repayable on demand or within 30 days after the relevant date of calculation;</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>repayment of that cash is not contingent on the prior discharge of any other indebtedness of any member of the Group or of any other person whatsoever or on the satisfaction of any other condition;</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>there is no Security over that cash except for Transaction Security or any Permitted Security constituted by a netting or set-off arrangement entered into by members of the Group in the ordinary course of its banking arrangements; 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>the cash is freely and (except as mentioned in paragraph (a) above) immediately available to be applied in repayment or prepayment of the Facilities.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.27<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Capital</b> means Cash Connect Capital Proprietary Limited (registration number 2017/029430/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.28<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Capital Facility Agreement </b>means the facility agreement dated on or about 29 November, 2022 between, among others, Cash Connect Capital 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;">1.1.29<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Equivalent Investments</b> means at any time:</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>certificates of deposit maturing within 90 days after the relevant date of calculation and issued by an Acceptable Bank;</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>commercial paper not convertible or exchangeable to any other security:</p>
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    <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>for which a recognised trading market exists;</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>which matures within 90 days after the relevant date of calculation; and</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 11.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>which has a credit rating of either A-1 or higher by Standard &amp; Poor's Rating Services or F1 or higher by Fitch Ratings Ltd or P-1 or higher by Moody's Investors Service Limited, or, if no rating is available in respect of the commercial paper, the issuer of which has, in respect of its long-term unsecured and non-credit enhanced debt obligations, an equivalent rating;</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 investment in:</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>a money market collective investment scheme of Absa Bank Limited, FirstRand Bank Limited, Investec Bank Limited, Nedbank Limited or The Standard Bank of South Africa Limited or money market funds which have a credit rating of either A-1 or higher by Standard &amp; Poor's Rating Services or F1 or higher by Fitch Ratings Ltd or P-1 or higher by Moody's Investors Service Limited; and</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>invest substantially all their assets in securities of the types described in paragraphs (a) to (b) above,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">to the extent that investment can be turned into cash on not more than 30 days' notice; 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 other debt security approved by the Lenders,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, denominated in ZAR and to which any Obligor is alone beneficially entitled at that time and which is not subject to any Security (other than Security arising under the Transaction Security Documents).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.30<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cashflow</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.31<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Change of Control</b> means, in respect of the Borrower, Lesaka ceases to directly or indirectly have the power (whether by way of ownership of shares, proxy, contract, agency or otherwise) 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>cast, or control the casting of:</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 the Borrower;</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 the Borrower;</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>appoint or remove all, or the majority, of the directors or other equivalent officers of the Borrower; 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>give directions with respect to the operating and financial policies of the Borrower with which the directors or other equivalent officers of the Borrower are obliged to comply.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.32<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Closing Date</b> means the date on which the Facility Agent issues the notice contemplated by Clause 4.1 (Initial conditions precedent).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.33<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Code</b> means the US Internal Revenue Code of 1986.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.34<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment</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>a Facility A Commitment;</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 Facility B Commitment;</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>a GBF Commitment.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.35<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance Certificate</b> means a certificate substantially in the form set out in Schedule 7 (Form of Compliance Certificate).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.36<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidential Information</b> means all information relating to the Group, any other Obligor, the Acquisition Documents, the Acquisition, the Finance Documents or a Facility of which a Finance Party becomes aware in its capacity as, or for the purpose of becoming, a Finance Party or which is received by a Finance Party in relation to, or for the purpose of becoming a Finance Party under, the Finance Documents or a Facility from either:</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 member of the Group, or any of its advisers; 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>another Finance Party, if the information was obtained by that Finance Party directly or indirectly from any member of the Group or any of its advisers,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">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:</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>information that:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>is or becomes public information other than as a direct or indirect result of any breach by that Finance Party of Clause 37 (Confidential Information); or</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>is identified in writing at the time of delivery as non-confidential by any member of the Group or any of its advisers; or</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(C)<font style="width: 12.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>is known by that Finance Party before the date the information is disclosed to it in accordance with paragraphs (a) or (b) above or is lawfully obtained by that Finance Party after that date, from a source which is, as far as that Finance Party is aware, unconnected with the Group and which, in either case, as far as that Finance Party 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;">1.1.37<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality Undertaking</b> means a confidentiality undertaking substantially in a recommended form of the LMA, or in any other form agreed between the Borrower and the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.38<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Default</b> means an Event of Default or any event or circumstance specified in Clause 24 (Events of Default) which would (with the expiry of a 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;">1.1.39<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deposit Manager </b>means Deposit Manager Proprietary Limited (registration number 2010/016889/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.40<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disclosure Schedule </b>means the disclosure schedule set out in Schedule 11 (Disclosure Schedule).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.41<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disposal</b> has the meaning given to that term in Clause 8.3 (Disposal and Insurance Proceeds).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.42<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disruption Event</b> means:</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>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 Facilities (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: 13.78pt; 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 a 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: 16.67pt; 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: 13.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>from communicating with other Parties in accordance with the terms of the Finance Documents,</p>
    <p style="margin-left: 102.05pt; 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;">1.1.43<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EBITDA</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.44<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Eligible Institution</b> means any Lender or other bank, financial institution, trust, fund or other entity selected by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.45<font style="width: 51pt; 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>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.46<font style="width: 51pt; 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.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.47<font style="width: 51pt; 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>the conditions of the workplace; 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 generation, handling, storage, use, release 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;">1.1.48<font style="width: 51pt; 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 any member of the Group conducted on or from the properties owned or used by any member of the Group.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.49<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Equity Cure Proceeds </b>has the meaning given to that term in Clause 22.4.1(b)(i) (Equity Cure).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.50<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Event of Default</b> means any event or circumstance specified as such in Clause 24 (Events of Default).</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.51<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Excess Cashflow</b>, on an Excess Cashflow Measurement Date, means the Cash and Cash Equivalents Investments balances of the Group:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>minus</b> all proceeds received in cash by any member of the Group in respect of the disposal of an asset or a claim under a contract of insurance which, under the authority of a resolution of the directors of the relevant member of the Group, adopted and passed within 90 days of receipt of those proceeds, are to be applied within 180 days of receipt to replace an asset or insurance or disposal proceeds offered and not applied in prepayment of the Facility Outstandings;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>minus</b> all Capital Expenditure projected to fall due for payment by members of the Group during the next six months, if the projected Capital Expenditure:</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>has been approved by the board of the relevant member of the Group;</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>is disclosed to the Facility Agent in a schedule of projected Capital Expenditure for the next six months delivered to it with the Compliance Certificate;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>minus</b> ZAR25,000,000.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.52<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Excess Cashflow Measurement Date </b>means the last day of the Financial Year and the last day of each Financial Half-Year.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.53<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Existing Absa Financial Indebtedness </b>means the existing Financial Indebtedness owing to Absa Bank Limited disclosed in the Disclosure Schedule and of 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>"Facility A", "Facility B", "Facility C", the "Overdraft Facility" and the "Asset Finance Facility" shall be refinanced in full on the first Utilisation Date; 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>the remainder shall be refinanced in full within 60 days of the Closing Date or such later date as may be agreed by the Facility Agent acting reasonably.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.54<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Existing Financial Indebtedness </b>means the existing Financial Indebtedness disclosed in the Disclosure Schedule.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.55<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility</b> means a Term Facility or the GBF Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.56<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility A</b> means the term loan facility made available under this Agreement as described in Clause 2 (The Facilities).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.57<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility A Commitment</b> means:</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>in relation to an Original Term<b> </b>Lender, the amount set opposite its name under the heading "Facility A Commitment" in Part II of Schedule 1 (The Original ) and the amount of any other Facility A Commitment transferred to it under this Agreement; and</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>in relation to any other Lender, the amount of any Facility A Commitment transferred to it under this Agreement,</p>
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    <p style="margin-left: 76.55pt; text-align: justify;">to the extent not cancelled, reduced or transferred by it under this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.58<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility A Loan</b> means a loan made or to be made under Facility A 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;">1.1.59<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility B</b> means the term loan facility made available under this Agreement as described in Clause 2 (The Facilities).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.60<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility B Commitment</b> means:</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>in relation to an Original Term<b> </b>Lender, the amount set opposite its name under the heading "Facility B Commitment" in Part II of Schedule 1 (The Original ) and the amount of any other Facility B Commitment transferred to it under this Agreement; and</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>in relation to any other Lender, the amount of any Facility B Commitment transferred to it under this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to the extent not cancelled, reduced or transferred by it under this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.61<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility B Loan</b> means a loan made or to be made under Facility B 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;">1.1.62<font style="width: 51pt; 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: 13.28pt; 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: 13.28pt; 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 paragraph (a) above; 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 agreement pursuant to the implementation of any treaty, law or regulation referred to in paragraphs (a) or (b) above 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;">1.1.63<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA Application Date</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>in relation to a <b>withholdable payment</b> described in section 1473(1)(A)(i) of the Code (which relates to payments of interest and certain other payments from sources within the US), 1 July 2014; 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>in relation to a <b>passthru payment</b> described in section 1471(d)(7) of the Code not falling within paragraph (a) above, the first date from which such payment may become subject to a deduction or withholding required by FATCA.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.64<font style="width: 51pt; 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;">1.1.65<font style="width: 51pt; 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;">1.1.66<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Fee Letter</b> means:</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>any letter or letters dated on or about the date of this Agreement between the Arranger and a Borrower (or the Facility Agent and a Borrower) setting out any of the fees referred to in Clause 13 (Fees); 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 agreement setting out fees payable to a Finance Party under any other Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.67<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Maturity Date</b> means, in relation to Facility A and Facility B, 31 December, 2027.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.68<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Document</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>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>Cash Connect Capital Facility 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>each Transaction Security Document;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Funds Flow and Release 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 GBF Document;</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>any Accession Letter;</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>any Compliance 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>any Fee Letter;</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>any Resignation Letter;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(j)<font style="width: 15.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Utilisation Request; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(k)<font style="width: 13.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other document designated as a "Finance Document" by the Facility Agent and a Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.69<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Lease</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.70<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Party</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 Facility Agent;</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 Arranger; 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>a Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.71<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness</b> means, without double counting, 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: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>moneys borrowed, credit provided and debit balances at banks or other financial institutions;</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 acceptance under any acceptance credit or bill discounting facility (or dematerialised equivalent);</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 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: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any liability in respect of Finance Leases;</p>
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    <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 and meet any requirement for de-recognition under IFRS or IFRS for SMEs (as applicable));</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 Treasury Transaction (and, when calculating the value of that Treasury 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 Treasury Transaction, that amount) shall be taken into account);</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>without double counting, any counter-indemnity obligation in respect of a guarantee, bond, standby or documentary letter of credit or any other instrument issued by a bank or financial institution;</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 (other than at the option of the issuer) or are otherwise classified as borrowings under IFRS or IFRS for SMEs (as applicable);</p>
    <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 amount of any liability under an advance or deferred purchase agreement if (i) one of the primary reasons behind entering into the agreement is to raise finance or to finance the acquisition or construction of the asset or service in question or (ii) the agreement is in respect of the supply of assets or services and payment is due more than 90 days after the date of supply;</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>any amount raised under any other transaction (including any forward sale or purchase, sale and sale back or sale and leaseback agreement) having the commercial effect of a borrowing or otherwise classified as borrowings under IFRS or IFRS for SMEs (as applicable); 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>without double counting, the amount of any liability in respect of any guarantee or indemnity for any of the items referred to in paragraphs (a) to (j) above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.72<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Half-Year</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.73<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Year</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.74<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>First Amendment and Restatement Agreement</b> means the amendment and restatement agreement, dated on or about 22 March, 2023, between the Parties to this Agreement amending and restating this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.75<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>First Amendment and Restatement Date</b> means the "Effective Date" under (and as defined in) the First Amendment and Restatement Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.76<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GBF Agreement</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 GBF Agreement; 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 facility agreement or facility letter entered into by a Borrower and the GBF Lender to regulate the terms on which a GBF Facility is to be provided.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.77<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GBF Commitment </b>means ZAR170,000,000 and from the First Amendment and Restatement Date ZAR345,000,000, or such other amount agreed between the Borrower and the GBF Lender, to the extent not cancelled or reduced under an applicable GBF Agreement.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.78<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GBF Document </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>a GBF Agreement; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a document (including a document in electronic format only) entered into from time to time between the GBF Lender and a Borrower, which evidences a facility, financial instrument or a financial service provided as part of the GBF Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.79<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GBF</b> <b>Facility</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 GBF Facility; 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 direct and indirect general banking facility provided by the GBF Lender to a Borrower under the GBF Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.80<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Group</b> means the Borrower and K2021 and each of their Subsidiaries for the time being.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.81<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantor </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>each Original Guarantor; 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 Additional Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.82<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Holding Company</b> means, in relation to a person, any other person in respect of which it is a Subsidiary.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.83<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>IFRS</b> means international accounting standards within the meaning of IAS Regulation 1606/2002 to the extent applicable to the relevant financial statements.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.84<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property</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 patents, trade marks, service marks, designs, business names, copyrights, database rights, design rights, domain names, moral rights, inventions, confidential information, knowhow and other intellectual property rights and interests (which may now or in the future subsist), whether registered or unregistered; 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>the benefit of all applications and rights to use such assets of each member of the Group (which may now or in the future subsist).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.85<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Payment Date</b> means each of 31 March, 30 June, 30 September and 31 December, and the Final Maturity Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.86<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Period</b> means, in relation to a Loan, each period determined in accordance with Clause 11 (Interest Periods) and, in relation to an Unpaid Sum, each period determined in accordance with Clause 10.3 (Default interest).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.87<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Internally Generated Cash</b> means funds generated from the operating activities of the Group in the ordinary course of business but excluding, for the avoidance of doubt, any Equity Cure Proceeds and any proceeds of any Financial Indebtedness raised from any Refinancing.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.88<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JIBAR </b>means, for an Interest Period of a Loan or Unpaid Sum:</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 applicable Screen Rate; 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>(if no Screen Rate is available for the Interest Period of the Loan or Unpaid Sum) the arithmetic mean of the rates (rounded upwards to four decimal places), as supplied to the Facility Agent at its request, quoted by the Reference Banks to leading banks in the Johannesburg interbank market, as of 11h00 on the Quotation Day for the offering of deposits in Rand for a period comparable to that Interest Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.89<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JIBAR Overnight Deposit Rate </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 applicable Screen Rate; 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>(if no Screen Rate is available) the arithmetic mean of the rates (rounded upwards to four decimal places), as supplied to the Facility Agent at its request, quoted by the Reference Banks to leading banks in the Johannesburg interbank market, as of 11h00 on the Quotation Day for the offering of overnight deposits in Rand.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.90<font style="width: 51pt; 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, the ownership of, or other interest in, which does not require any member of the Group to consolidate the results of that person with its own as a Subsidiary.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.91<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2020 </b>means K2020 Connect (South Africa)<b> </b>Proprietary Limited (registration number 2020/263969/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.92<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2020 Facility Agreement </b>means the facility agreement dated on or about 15 February, 2021 between K2020 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;">1.1.93<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2021 </b>means K2021477132 (South Africa) Proprietary Limited (registration number 2021/477132/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.94<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2021 Consent </b>means the consent given by FirstRand Bank Limited (acting through its Rand Merchant Bank division) to K2021 to enter into this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.95<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Kazang Prepaid</b> means Kazang Prepaid (Proprietary) Limited (registration number CO2017/2253), a company registered under the laws of Botswana.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.96<font style="width: 51pt; 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>any Original Term<b> </b>Lender;</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 GBF Lender; 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 bank, financial institution, trust, fund or other entity which has become a Party as a "Lender" in accordance with Clause 25 (Changes to the Lenders),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">which in each case has not ceased to be a Party as such in accordance with the terms of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.97<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka</b> means Lesaka Technologies Proprietary Limited (previously known as Net1 Applied Technologies South Africa Proprietary Limited) (registration number 2002/031446/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.98<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lesaka Loan</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 R350,000,000 loan dated on or about the Closing Date; 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 R200,000,000 loan dated on or about the First Amendment and Restatement Date,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to be made by the Borrower to Lesaka.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.99<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>LMA</b> means the Loan Market Association.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.100<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loan</b> means a loan made or to be made under a 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;">1.1.101<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Margin</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>in relation to any Facility A Loan from the Interest Payment Date immediately after the date of the Compliance Certificate is issued evidencing a change in the Leverage Ratio:</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>while the Leverage Ratio is greater than or equal to 3.50 times, 4.00 per cent. per annum;</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>while the Leverage Ratio is between 2.50 times and 3.5 times, 3.75 per cent. per annum;</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>while the Leverage Ratio is less than or equal to 2.50 times, 3.40 per cent. per annum,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">and with effect from the date of occurrence of an Event of Default and for so long as it is continuing, the Margin detailed above plus 2.00 per cent.</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 Facility B Loan from the Interest Payment Date immediately after the date of the Compliance Certificate is issued evidencing a change in the Leverage Ratio:</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>while the Leverage Ratio is greater than or equal to 3.50 times, 4.00 per cent. per annum;</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>while the Leverage Ratio is between 2.50 times and 3.5 times, 3.75 per cent. per annum;</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>while the Leverage Ratio is less than or equal to 2.50 times, 3.40 per cent. per annum,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">and with effect from the date of occurrence of an Event of Default and for so long as it is continuing, the Margin detailed above plus 2.00 per cent.</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>in relation to any Unpaid Sum relating or referable to a Facility, the rate per annum specified above for that Facility; 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>in relation to any other Unpaid Sum, the highest rate specified above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.102<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Luxanio</b> means Luxanio 227 Proprietary Limited (registration number 2018/605739/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.103<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Main Street 1723</b> means Main Street 1723 Proprietary Limited (registration number 2019/300711/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.104<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Adverse Effect</b> means the occurrence of any event or circumstance or the change in any circumstances which, in the reasonable opinion of the Lender, is likely to have a material adverse effect on:</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>the business, operations, property, condition (financial or otherwise), or prospects of any 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>the ability of an Obligor 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 of, or the effectiveness or ranking of any Transaction Security granted or purporting to be granted pursuant to any of, the Finance Documents or the rights or remedies of any Finance Party under any of the Finance Documents.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.105<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Subsidiary</b> means a Subsidiary of the Borrower whose gross assets, EBITDA (as defined in this Clause below) or total revenue equal or exceed 5.00 per cent. or more of the gross assets, Consolidated EBITDA or total revenue of the Group.&#160; For this purpose:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the gross assets, EBITDA or total revenue of a Subsidiary of the Borrower will be determined using the latest audited consolidated financial statements of the Borrower;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if a Subsidiary of the Borrower becomes a member of the Group after the date on which the latest audited consolidated financial statements of the Borrower have been prepared, the gross assets, EBITDA or total revenue of that Subsidiary will be determined from its latest consolidated financial statements;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the gross assets, Consolidated EBITDA or total revenue of the Group will be determined from the latest audited consolidated financial statements of the Borrower;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the <b>EBITDA</b> of a Subsidiary (or a company or business subsequently acquired or disposed of) will be determined on the same basis as Consolidated EBITDA (as defined in Clause&#160; 22.1 (Financial Definitions)), except that references to the Borrower will be construed as references to that Subsidiary, company or business.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Notwithstanding the above, each of the following companies will be a Material Subsidiary:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(i)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Original Guarantor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(ii)<font style="width: 12.9pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Subsidiary of the Borrower which is a direct Holding Company of an Obligor;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(iii)<font style="width: 10.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>each directly or indirectly wholly-owned Subsidiary of the Borrower; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(iv)<font style="width: 11.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any member of the Group to which an Obligor or a Material Subsidiary disposes of all or any substantial part of its assets (on the date of that transfer and for any applicable period thereafter).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.106<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Date </b>has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.107<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Period</b> has the meaning given to that term in Clause 22.1 (Financial Definitions).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.108<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Month</b> means a period starting on one day in a calendar month and ending on the numerically corresponding day in the next calendar month, except that:</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>(subject to paragraph (c) below) if the numerically corresponding day is not a Business Day, that period shall end on the next Business Day in that calendar month in which that period is to end if there is one, or if there is not, on the immediately preceding Business Day;</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>if there is no numerically corresponding day in the calendar month in which that period is to end, that period shall end on the last Business Day in that calendar month; 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 an Interest Period begins on the last Business Day of a calendar month, that Interest Period shall end on the last Business Day in the calendar month in which that Interest Period is to end.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">The above rules will only apply to the last Month of any period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.109<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>New Lender</b> has the meaning given to that term in Clause 25 (Changes to the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.110<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligor </b>means a Borrower or a Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.111<font style="width: 46.5pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Financial Statements</b> means the audited financial statements of the Borrower for its financial year ended 28 February, 2021.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.112<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original GBF Agreement </b>means the general banking facility agreement dated on or about the date of this Agreement between the Borrower and the GBF Lender, to regulate the terms on which the GBF Facility is to be provided to the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.113<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original GBF Facility </b>means each direct and indirect working capital facility provided by the GBF Lender to a Borrower under the Original GBF Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.114<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Jurisdiction</b> means, in relation to an Obligor, the jurisdiction under whose laws it is incorporated as at the date of this Agreement, or, in the case of an Additional Obligor, as at the date on which that Additional Obligor becomes Party as a Guarantor or a Borrower (as the case may be).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.115<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ovobix</b> means Ovobix (RF) Proprietary Limited (registration number 2013/068120/07), a company registered under the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.116<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Party</b> means a party to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.117<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Acquisition</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 acquisition by an Obligor of an asset from another 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>any acquisition of shares and claims which, is on arm's length terms provided that the Borrower has delivered a certificate (signed by a director of the Borrower) to the Facility Agent not later than 10 Business Days prior to the date on which that acquisition is proposed to be made:</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>confirming the subject matter of the proposed acquisition;</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>confirming that the acquisition made from Internally Generated Cash or New Shareholder Injection;</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>certifying that no Default would result from the acquiring that acquisition;</p>
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    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>including a Compliance Certificate setting out (in reasonable detail) computations as to compliance with Clause 22 (Financial Covenants) prior to and immediately following such acquisition;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(v)<font style="width: 13.89pt; text-indent: 0pt; display: inline-block;">&#160;</font>demonstrating that the acquisition would have generated a positive EBITDA and cash flow for the twelve month period prior to the acquisition date;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(vi)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirming the consideration (when aggregated with the consideration of any other acquisitions in any financial year) does not exceed ZAR20,000,000 in any financial year;</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 acquisition by the Borrower of 20.00 per cent. of the shares in the share capital of Kazang Prepaid;</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 acquisition entered into with the express prior consent of the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.118<font style="width: 46pt; 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 Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.119<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Disposal</b> means any sale, lease, licence, transfer or other disposal which, is on arm's length terms:</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 trading stock or cash made by any member of the Group 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 (other than shares, businesses, Intellectual Property) in exchange for other assets comparable or superior as to type, value and quality (other than an exchange of a non-cash asset for cash);</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>of obsolete or redundant vehicles, plant and equipment for cash;</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>of Cash Equivalent Investments for cash or in exchange for other Cash Equivalent Investments;</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>constituted by a licence of intellectual property rights permitted by Clause 23.25 (Intellectual Property);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 14.56pt; text-indent: 0pt; display: inline-block;">&#160;</font>contemplated in the Acquisition Documents;</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>arising as a result of any Permitted Security;</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>a disposal pursuant to a Permitted BEE Transaction provided it does not result in a Change of Control; or</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 Disposal entered into with the express prior consent of the Facility Agent, provided that (a) the consideration for the Disposal, when aggregated with the consideration of any other Disposals in any financial year, does not exceed ZAR100,000,000, or its equivalent in another currency or currencies, in any financial year of the Borrower and (b) the Borrower has delivered a certificate (signed by a director of the Borrower) to the Facility Agent not later than 10 Business Days prior to the date on which that Disposal is proposed to be made:</p>
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    <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>confirming the subject matter of the proposed Disposal;</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>certifying that no Default would result from the making of that Disposal;</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>including a Compliance Certificate setting out (in reasonable detail) computations as to compliance with Clause 22 (Financial Covenants) prior to and immediately following such Disposal.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.120<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Distribution</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 payment of a distribution by Subsidiaries of the Borrower to the direct shareholders of such Subsidiary pro rata to the ordinary shareholding;</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 payment of a distribution by the Subsidiaries of K2020 to the direct shareholders of such Subsidiary pro rata to the ordinary shareholding;</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 payment of fees and charges by K2020 to the Borrower in the ordinary course of business;</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 payment of fees and charges by Deposit Manager and Cash Connect Capital to the Borrower in the ordinary course of business;</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 payment of any distribution by the Borrower if:</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 has not less than 10 Business Days prior to the proposed date for the payment of that distribution given the Facility Agent written notice of its intention to pay that distribution;</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>no Default is continuing at the time that distribution is proposed to be paid or will result from the payment of that distribution;</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>the Borrower has complied with its obligations under Clause 8.4 (Mandatory prepayment - cash sweep);</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower has delivered a certificate (signed by a director of the Borrower) to the Facility Agent not later than 10 Business Days prior to the date on which that distribution is proposed to be made:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirming the amount of the proposed distribution;</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>certifying that no Default would result from the making of that distribution;</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(C)<font style="width: 12.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>including a Compliance Certificate setting out (in reasonable detail) computations as to compliance with Clause 22 (Financial Covenants) prior to, immediately following the payment of such distribution and for the next four Measurement Dates after such distribution;</p>
    <p style="margin-left: 102.05pt; text-align: justify;">provided that no more than two such distributions may be paid in any Financial Year;</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>the payment under a Lesaka Loan of an amount equal to ZAR200,000,000 by the Borrower to Lesaka;</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 other distribution made with the express prior consent of the Facility Agent.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.121<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Financial Indebtedness</b> means Financial Indebtedness:</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>arising under the Finance Documents;</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>arising under the K2020 Facility Agreement;</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>arising under the Cash Connect Capital Facility Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>disclosed in the Disclosure Schedule;</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>shareholder loans subordinated on terms acceptable to the Facility Agent;</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>arising under any Finance Lease;</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>incurred by way of a Permitted Loan or a Permitted Guarantee;</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>trade credit extended to an Obligor or a member of the Group which is entered into on normal commercial terms and in the ordinary course of its trading activities and which has a credit term of not more than 90 days;</p>
    <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 Financial Indebtedness arising under unsecured general or short term banking facilities provided to a member of the Group by another bank or financial institution, provided that the maximum aggregate amount of Financial Indebtedness under this paragraph (i) together with the aggregate amount of any guarantees under Clause 1.1.122(f) does not exceed ZAR40,000,000 (or its equivalent in any other currency) at any time;</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>incurred pursuant to a Refinancing permitted in terms of Clause 9.11;</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>incurred with the express prior consent of the Facility Agent (acting on the instructions of all the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.122<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Guarantee </b>means:</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>any guarantee given in terms of the Finance Documents;</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 guarantee given in terms of the K2020 Facility Agreement;</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 guarantee given in terms of the Cash Connect Capital Facility Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any guarantee of a Joint Venture to the extent permitted by Clause 23.12.1(b) (Joint ventures);</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>any guarantees disclosed in the Disclosure Schedule;</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 guarantee given by the Borrower, provided that the maximum aggregate amount of Financial Indebtedness under Clause 1.1.121(i) together with the aggregate amount of any guarantees under this paragraph 1.1.122(f) does not exceed ZAR40,000,000 (or its equivalent in any other currency) at any time;</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>a guarantee given with the express prior consent of the Facility Agent (acting on the instructions of all the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.123<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Loan</b> means:</p>
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    <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>any loans made to K2020 from the proceeds of the Cash Connect Capital Facility Agreement;</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 loan made to Cash Connect Capital by K2020;</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 Lesaka Loan;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any loan disclosed in the Disclosure Schedule;</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>any trade credit extended by any member of the Covenant Group to its customers on normal commercial terms and in the ordinary course of its trading activities and on payment terms not exceeding 90 days or, if applicable, such longer periods in relation to payment arrangements made by a member of the Covenant Group with its defaulting customers for repayment of such trade credit;</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 loans made by Main Street 1723 to its customers in the ordinary course of its business;</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 loans made by Cash Connect Capital to its customers in the ordinary course of its business;</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>subordinated loans or other subordinated debt instruments in the members of the Group, provided that such subordinated loans or other subordinated debt instruments are subordinated on terms acceptable to the Facility Agent; or</p>
    <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>a loan made with the express prior consent of the Facility Agent (acting on the instructions of all the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.124<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Security</b> means:</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>any lien arising by operation of law and in the ordinary course of trading and not as a result of any default or omission by any member of the Group;</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 Security arising pursuant to the Finance Documents;</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 Security given in terms of the Cash Connect Capital Facility Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security or Quasi-Security which is existing prior to the date of this Agreement, which has been disclosed to the Facility Agent in the Disclosure Schedule, and which only secures indebtedness under facilities outstanding at the date of this Agreement, if the original principal amount or original facility thereby secured is not increased after the date of this Agreement;</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>any netting or set-off arrangement entered into by any Obligor in the ordinary course of its banking arrangements for the purpose of netting debit and credit balances of Obligors;</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 Security under a finance or capital lease which constitutes Permitted Financial Indebtedness;</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 payment or close out netting or set-off arrangement pursuant to any Treasury Transaction comprised in Permitted Financial Indebtedness, excluding any Security or Quasi-Security under a credit support arrangement;</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 Security or Quasi-Security securing indebtedness, which is Permitted Financial Indebtedness, the principal amount of which (when aggregated with the principal amount of any other indebtedness which has the benefit of Security given by any Obligor or any member of the Borrower Group other than that permitted by this clause above) does not at any time exceed ZAR20,000,000 in aggregate;</p>
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    <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>any Security entered into with the express prior consent of the Facility Agent(acting on the instructions of all the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.125<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Quasi-Security</b> has the meaning given to that term in Clause 23.15 (Negative pledge).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.126<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Quotation Day </b>means, in relation to any period for which an interest rate is to be determined, the first day of that period or such other day as the Facility Agent determines is generally treated as the rate fixing day by market practice in the Johannesburg interbank market.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.127<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reference Bank Quotation </b>means any quotation supplied to the Facility Agent by a Reference Bank.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.128<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reference Banks</b> means the principal Johannesburg offices of Absa Bank Limited, FirstRand Bank Limited, Investec Bank Limited, Nedbank Limited and The Standard Bank of South Africa Limited, or such other entities as may be appointed by the Facility Agent in consultation with the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.129<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Refinancing </b>means the repayment, prepayment, cancellation or replacement of any of the Facilities (in whole or in part) funded, directly or indirectly, by way of the incurrence by a Borrower or any other member of the Group of Financial Indebtedness or the issue of redeemable preference shares by the Borrower or any other member of the Group, and <b>Refinance</b> and <b>Refinanced </b>shall be construed accordingly.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.130<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Refinancing Penalties </b>has the meaning given to that term in Clause 9.12.1 Refinancing penalties).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.131<font style="width: 46pt; 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;">1.1.132<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Relevant Jurisdiction</b> means, in relation to an 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>its Original Jurisdiction;</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 jurisdiction where any asset subject to or intended to be subject to the Transaction Security to be created by it is situated;</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 jurisdiction where it conducts its business; 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 jurisdiction whose laws govern the perfection of any of the Transaction Security Documents entered into by it.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.133<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repayment Date</b> means each repayment date set out in Schedule 4 (Repayment Schedule).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.134<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repeating Representations</b> means each of the representations set out in Clause 20.1 (Status) to Clause 20.5 (Validity and admissibility in evidence), Clause 20.7 (Governing law and enforcement), Clause 20.11 (No default), Clause 20.13 (Financial Statements) (other than Clause 20.13.3 (Financial Statements) and Clause 20.20 (Ranking) to Clause 20.27 (No adverse consequences).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.135<font style="width: 46pt; 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;">1.1.136<font style="width: 46pt; 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>a 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;">1.1.137<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctioned Transaction</b> means the use of the proceeds of any of the Facilities 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 Group has actual knowledge 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;">1.1.138<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b> means trade, economic or financial sanctions, laws, regulations, embargoes or restrictive measures imposed, administered or enforced from time to time by any Sanctions Authority.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.139<font style="width: 46pt; 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 United Nations;</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 European Union;</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 Council of Europe (founded under the Treaty of London, 1946);</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 government of the United States of America;</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 government of the United Kingdom;</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 Republic of France;</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 government of Switzerland;</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 Commonwealth of Australia,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and any of their governmental authorities and agencies, including, without limitation, the Office of Foreign Assets Control for the US Department of Treasury (<b>OFAC</b>), the US Department of Commerce, the US State Department or the US Department of the Treasury, Her Majesty's Treasury (<b>HMT</b>) and the French Ministry of Finance.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.140<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions List</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 Specially Designated Nationals and Blocked Persons List maintained by OFAC;</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 Consolidated List of Financial Sanctions Targets and the Investments Ban List maintained by HMT,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and 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;">1.1.141<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Screen Rate </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>for JIBAR, the Johannesburg Interbank Agreed Rate, polled and published by the South African Futures Exchange (a division of the JSE Limited) for deposits in Rand for the relevant period, as displayed on the Reuters Screen SAFEY Page alongside the caption "<b>YLD</b>" at the applicable time; 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>for the JIBAR Overnight Deposit Rate, the SAFEX overnight call deposit rate, polled and published by the South African Futures Exchange (a division of the JSE Limited) for deposits in Rand, as displayed on the Reuters Screen SAFEY Page alongside the caption "<b>SFXROD</b>" at the applicable time.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">If the relevant page is replaced or the information service ceases to be available, the Facility Agent (after consultation with the Borrower and the Lenders) may specify another page or service displaying the appropriate rate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.142<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Secured Property</b> means all of the assets of the Obligors and the other Security Providers 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;">1.1.143<font style="width: 46pt; 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;">1.1.144<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Provider </b>means a person, other than an Obligor, which grants Transaction Security.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.145<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SPA</b> means the share purchase agreement dated 31 October, 2021 between, amongst others, Lesaka, Lesaka Technologies, Inc (formerly known as Net1 UEPS Technologies, Inc.), Old Mutual Life Assurance Company (South Africa) Limited, Lirast (Mauritius) Company Limited, SIG International Investment (BVI) Limited, Aldgate International Limited, Ivan Epstein, PFCC (BVI) Limited, PCF Investments (BVI) Limited, Luxanio, Vista Capital Investments Proprietary Limited, Vista Treasury Proprietary Limited, K2021 and the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.146<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subordination Agreement</b> means a subordination agreement to be entered into between each Obligor, Lesaka and the Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.147<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subsidiary</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>a "subsidiary" as defined in the Companies Act, 2008 and shall include any person who would, but for not being a "company" under the Companies Act, 2008, qualify as a "subsidiary" as defined in the Companies Act, 2008;</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 partnership, joint venture, trust, juristic person or other entity controlled by that person.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.148<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Target Company </b>means each 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 Borrower;</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>K2021;</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>Luxanio; 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>Ovobix.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.149<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Target Group</b> means each Target Company and each of its Subsidiaries on the Acquisition Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.150<font style="width: 46pt; 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;">1.1.151<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Term Facility</b> means Facility A or Facility B.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.152<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Term Loan</b> means a Facility A Loan or a Facility B Loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.153<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Commitments</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 Total Facility A Commitments;</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 Total Facility B Commitments;</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 Total GBF Commitments,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">being ZAR1,380,000,000 at the date of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.154<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Facility A Commitments</b> means the aggregate of the Facility A Commitments, being ZAR700,000,000 at the date of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.155<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Facility B Commitments</b> means the aggregate of the Facility B Commitments, being ZAR350,000,000 at the date of this Agreement and ZAR512,500,000 at the First Amendment and Restatement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.156<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total GBF Commitments</b> means the aggregate of the GBF Commitments.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.157<font style="width: 46pt; 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 Finance Parties pursuant to the Transaction Security Documents and general notarial bonds.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.158<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction Security Documents</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>each pledge or cession in securitatem debiti referred to in Schedule 9 (Transaction Security);</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 written notice to a third person of the Security established under a security agreement set out in paragraph (a) and any written acknowledgement of that notice which is required to be delivered to the Facility Agent under that security 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>any other document evidencing or creating any guarantee or Security Interest over any asset of an Obligor or any other Security Provider to secure any obligation of an Obligor to a Finance Party under the Finance Documents.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.159<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer </b>has the meaning given to that term in Clause 25 (Changes to the Lender).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.160<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer Certificate</b> means a certificate substantially in the form set out in Schedule 5 (Form of Transfer Certificate) or any other form agreed between the Facility Agent and the Obligors.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.161<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer Date</b> means, in relation to a cession or a transfer, the later 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 proposed Transfer Date specified in the relevant Transfer Certificate; 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>the date on which the Facility Agent executes the relevant Transfer Certificate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.162<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Treasury Transactions</b> means any derivative transaction entered into in connection with protection against or benefit from fluctuation in any rate or price.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.163<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Unpaid Sum</b> means any sum due and payable but unpaid by an Obligor or any other Security Provider under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.164<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>US</b> means the United States of America.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.165<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>US Tax Obligor</b> means an Obligor, but only if some or all of its payments under the Finance Documents are from sources within the US for US federal income tax purposes.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.166<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation</b> means a utilisation of a Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.167<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Date</b> means the date of a Utilisation, being the date on which the relevant Loan is to be made.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.168<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Request</b> means a notice substantially in the relevant form set out in Schedule 3 (Form of Utilisation Request).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.169<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VAT</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 value added tax as provided for in the Value Added Tax Act, 1991;</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 general service tax; 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>any other tax of a similar nature.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.170<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>ZAR</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: 39pt; 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;">1.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, a 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>Facility Agent</b>, the <b>Arranger</b>, any <b>Finance Party</b>, any <b>Lender</b>, the <b>Borrower</b>, any <b>Obligor</b>, any <b>Security Provider</b> any <b>Party</b> or any other person shall be construed so as to include its successors in title, permitted cessionaries and permitted transferees to, or of, its rights and/or 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>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 Facility Agent or, if not so agreed, is in the form specified by the Facility Agent;</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><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="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>distribution</b> means a transfer by a company of money or other assets of the company (other than its own shares) to, or to the order (or otherwise for the benefit) of, one or more holders of shares in that company or another company within the same group of companies, including any principal or interest in respect of amounts due (whether in respect of an intercompany or a shareholder loan or otherwise); any dividend (including any interest on any unpaid amount of a dividend), charge, fee, consideration or other distribution (whether in cash or in kind) on or in respect of its shares or share capital (or any class of its share capital); any repayment or distribution of any share premium account; and the payment of any management, advisory or other fee;</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>a <b>Finance Document</b> or any other agreement or instrument is a reference to that Finance Document or other agreement or instrument as amended, novated, supplemented, extended or restated;</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>a <b>group of Lenders</b> includes all the Lenders;</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><b>guarantee</b> means any guarantee, letter of credit, bond, indemnity or similar assurance against loss, or any obligation, direct or indirect, actual or contingent, to purchase or assume any indebtedness of any person or to make an investment in or loan to any person or to purchase assets of any person where, in each case, such obligation is assumed in order to maintain or assist the ability of such person to meet its indebtedness;</p>
    <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>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 eiusdem generis 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;">(j)<font style="width: 16.12pt; 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;">(k)<font style="width: 13.84pt; 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, partnership or other entity (whether or not having separate legal personality);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(l)<font style="width: 16.12pt; 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;">(m)<font style="width: 10.51pt; 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;">(n)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a time of day is a reference to Johannesburg time.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The determination of the extent to which a rate is <b>for a period equal in length</b> to an Interest Period shall disregard any inconsistency arising from the last day of that Interest Period being determined pursuant to the terms of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56pt; 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;">1.2.4<font style="width: 56pt; 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;">1.2.5<font style="width: 56pt; 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 to the satisfaction of the Facility Agent within any applicable remedy period expressly provided for in a Finance Document or waived and an Event of Default is <b>continuing</b> if it has not been waived in writing and in each case, any waiver shall not take effect unless any conditions of such waiver have been fulfilled to the satisfaction of the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.6<font style="width: 56pt; 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;">1.2.7<font style="width: 56pt; 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 vice versa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.8<font style="width: 56pt; 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;">1.2.9<font style="width: 56pt; 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>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.10<font style="width: 51pt; 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;">1.2.11<font style="width: 51pt; 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;">1.2.12<font style="width: 51pt; 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;">1.2.13<font style="width: 51pt; 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;">1.3<font style="width: 39pt; 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;">1.3.1<font style="width: 56pt; 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>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 29.6 (Exceptions) but otherwise 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><br><b>THE FACILITIES</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 FACILITIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>The Term Facilities</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, the Lenders make available to the Borrower:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>a ZAR term loan facility in an aggregate amount equal to the Total Facility A Commitments; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>a ZAR term loan facility in an aggregate amount equal to the Total Facility B Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>The GBF Facility</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement and the GBF Agreement, the GBF Lender makes available to the Borrower a general banking facility in an aggregate amount equal to the Total GBF Commitments.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Parties' rights and obligations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligations of each Finance Party under the Finance Documents are separate and independent.&#160; Failure by a Finance Party to perform its obligations under the Finance Documents does not affect the obligations of any other Party under the Finance Documents.&#160; No Finance Party is responsible for the obligations of any other Finance Party under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The rights of each Finance Party under or in connection with the Finance Documents are separate and independent rights and any debt arising under the Finance Documents to a Finance Party from an Obligor or any other Security Provider is a separate and independent debt in respect of which a Finance Party shall be entitled to enforce its rights in accordance with Clause 2.3.3.&#160; The rights of each Finance Party include any debt owing to that Finance Party under the Finance Documents and, for the avoidance of doubt, any part of a Loan or any other amount owed by an Obligor which relates to a Finance Party's participation in a Facility or its role under a Finance Document (including any such amount payable to the Facility Agent on its behalf) is a debt owing to that Finance Party by that Obligor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.3.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party may, except as specifically provided in the Finance Documents, separately enforce its rights under or in connection with the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Borrower as agent of the Obligors</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor (other than the Borrower) by its execution of this Agreement or an Accession Letter (as the case may be) irrevocably appoints the Borrower (acting through one or more authorised signatories) to act on its behalf as its agent in relation to the Finance Documents and irrevocably authorises:</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 Borrower on its behalf to supply all information concerning itself contemplated by this Agreement to the Finance Parties and to give all notices and instructions, to make such agreements and to effect the relevant amendments, supplements and variations capable of being given, made or effected by any Obligor notwithstanding that they may affect the Obligor, without further reference to or the consent of that Obligor; 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>each Finance Party to give any notice, demand or other communication to that Obligor pursuant to the Finance Documents to the Borrower,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and in each case the Obligor shall be bound as though the Obligor itself had given the notices and instructions or executed or made the agreements or effected the amendments, supplements or variations, or received the relevant notice, demand or other communication.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Every act, omission, agreement, undertaking, settlement, waiver, amendment, supplement, variation, notice or other communication given or made by the Borrower or given to the Borrower under any Finance Document on behalf of another Obligor or in connection with any Finance Document (whether or not known to any other Obligor and whether occurring before or after such other Obligor became an Obligor under any Finance Document) shall be binding for all purposes on that Obligor as if that Obligor had expressly made, given or concurred with it.&#160; In the event of any conflict between any notices or other communications of the Borrower and any other Obligor, those of the Borrower shall prevail.</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>PURPOSE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Purpose</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under Facility A and Facility B towards:</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>partially refinancing the Existing Absa Financial Indebtedness;</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>making any distributions or loans pursuant to the SPA and Funds Flow and Release 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>making a distributions in an amount equal to R200,000,000 to Lesaka, Ovobix and Luxanio;</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>providing a Lesaka Loan to Lesaka; and</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>funding any associated Transaction Costs,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and may apply excess towards funding its general corporate requirements.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall apply all amounts borrowed by it under a GBF Facility towards (a) refinancing the Existing Absa Financial Indebtedness and (b) funding its general corporate requirements (including working capital, capital expenditure and other general banking requirements).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Monitoring</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Finance Party is 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;">4.<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;">4.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Initial conditions precedent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lenders will only be obliged to comply with Clause 5.4 (Lenders' participation) in relation to any proposed Utilisation if on or before the Utilisation Date for that Utilisation, the Facility Agent has received all of the documents and other evidence listed in Part I of Schedule 2 (Conditions Precedent) in form and substance satisfactory to the Facility Agent.&#160; The Facility Agent shall notify the Borrower and the Lenders promptly upon being so satisfied.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Other than to the extent that the Lenders notify the Facility Agent in writing to the contrary before the Facility Agent gives the notification described in Clause 4.1.1 above, the Lenders authorise (but do not require) the Facility Agent to give that notification.&#160; The Facility Agent shall not be liable for any damages, costs or losses whatsoever as a result of giving any such notification.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 39pt; 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 Clause 4.1 above, the Lenders will only be obliged to comply with Clause 5.4 (Lenders' participation) in relation to a Utilisation if:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>on the date of the Utilisation Request and on the proposed Utilisation 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>no Default is continuing or would result from the proposed Utilisation; 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 the opinion of the Lenders no Material Adverse Effect has occurred and is continuing;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any Utilisation on the Closing Date, all the representations and warranties in Clause 14.8 (Representations) or, in relation to any other Utilisation, the Repeating Representations to be made by the Obligors are true in all respects.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Maximum number of Term Loans</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request if as a result of the proposed Utilisation, more than one Facility A Loan and three Facility B Loans would be outstanding.</p>
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    <p style="text-align: center;"><b>SECTION 3</b><br><b>UTILISATION</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><b>UTILISATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Delivery of a Utilisation Request</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may utilise a Term Facility by delivery to the Facility Agent of a duly completed Utilisation Request not later than 11h00 two Business Days prior to the Utilisation Date or such shorter period as the Facility Agent (acting on the instructions of all the Lenders) may agree.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; 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;">5.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The 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 applicable to that 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>the currency and amount of the proposed Utilisation comply with Clause 5.3 (Currency and amount).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Only one Facility A Loan and one Facility B Loan may be requested in a Utilisation Request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Currency and amount</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The currency specified in a Utilisation Request must be ZAR.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lenders' participation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the conditions set out in this Agreement have been met, each Lender shall make its participation in each Loan available by the Utilisation Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of each Lender's participation in each Loan will be equal to the proportion borne by its Available Commitment to the Available Facility immediately prior to making the Loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall notify each Lender of the amount of its participation in that Loan and, if different, the amount of that participation to be made available in accordance with Clause 30.1 (Payments to the Facility Agent).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cancellation of Commitment</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.5.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility A Commitments which, at that time, are unutilised shall be immediately cancelled at the end of the Availability Period for Facility A.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.5.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility B Commitments which, at that time, are unutilised shall be immediately cancelled at the end of the Availability Period for Facility B.</p>
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    <p style="text-align: center;"><b>SECTION 4</b><br><b>REPAYMENT, PREPAYMENT AND CANCELLATION</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>REPAYMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repayment of Term Loans</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall repay the aggregate Facility A Loans and Facility B Loans in instalments by repaying on each Repayment Date specified in column 1 of Schedule 4 (Repayment Schedule), the amount specified in column 2 and column 3 of Schedule 4 (Repayment Schedule).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of the Repayment Instalments shall be decreased and recalculated by the Facility Agent from time to time to account for any prepayments made pursuant to this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any amount of a Facility A Loan and Facility B Loan which remains outstanding on the Final Maturity Date shall be repaid in full on that date.</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>ILLEGALITY, VOLUNTARY PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Illegality</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If, in any applicable jurisdiction, it becomes unlawful for a Lender to perform any of its obligations as contemplated by this Agreement or to fund, issue or maintain its participation in any Loan or it becomes unlawful for any Affiliate of a Lender for that Lender to do so:</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>that Lender shall promptly notify the Facility Agent upon becoming aware of that event;</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>upon the Facility Agent notifying the Borrower, each Available Commitment of that Lender will be immediately cancelled; 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>to the extent that the Lender's participation has not been transferred pursuant to Clause 36.4 (Replacement of Lender), the Borrower shall repay that Lender's participation in the Loans made to the Borrower on the last day of the Interest Period for each Loan occurring after the Facility Agent has notified the Borrower or, if earlier, the date specified by the Lender in the notice delivered to the Facility Agent (being no earlier than the last day of any applicable grace period permitted by law) and that Lender's corresponding Commitment(s) shall be cancelled in the amount of the participations repaid.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary cancellation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Borrower may, if it gives the Facility Agent not less than five Business Days' (or such shorter period as the Lenders may agree) prior notice, cancel the whole or any part (being a minimum amount of ZAR20,000,000 and in integral multiples of ZAR5,000,000) of an Available Facility.&#160; Any cancellation under this Clause 7.2 shall reduce the Commitments of the Lenders rateably under that Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.2.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A GBF Facility may be cancelled as provided in the GBF Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary prepayment of Term Loans</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 7.3.3, the Borrower may, if it gives the Facility Agent not less than five Business Days' (or such shorter period as the Lenders may agree) prior notice, prepay the whole or any part of that Term Loan (but, if in part, being an amount that reduces the amount of that Term Loan by a minimum amount of ZAR20,000,000 and in integral multiples of ZAR5,000,000).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Term Loan may only be prepaid after the last day of the Availability Period for the applicable Facility (or, if earlier, the day on which the applicable Available Facility is zero).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A prepayment of the Facility A Loans shall be applied against the remaining Facility A repayment instalments pro rata.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.3.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A prepayment of the Facility B Loans shall be applied against the remaining Facility B repayment instalments pro rata.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Right of cancellation and repayment in relation to a single Lender</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</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 sum payable to any Lender by an Obligor or any Security Provider is required to be increased under Clause 14.2.3 (Tax gross-up); 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 Lender claims indemnification from an Obligor under Clause 14.3 (Tax indemnity) or Clause 15.1 (Increased costs),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">a Borrower may, whilst the circumstance giving rise to the requirement for that increase or indemnification continues, give the Facility Agent notice of cancellation of the Commitment(s) of that Lender and its intention to procure the repayment of that Lender's participation in the Loans.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>On receipt of a notice referred to in Clause 7.4.1 in relation to a Lender, the Commitment(s) of that Lender shall immediately be reduced to zero.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">7.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the last day of each Interest Period which ends after a Borrower has given notice under Clause 7.4.1 in relation to a Lender (or, if earlier, the date specified by the Borrower in that notice), the Borrower shall repay that Lender's participation in that Loan together with all interest and other amounts accrued under the Finance Documents.</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>MANDATORY PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.1<font style="width: 39pt; 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;">8.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any member of the Group or any shareholder of any member of the 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 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;">on notice by the Facility Agent to the Borrower, the Facilities will be cancelled and all outstanding Loans, together with accrued interest, and all other amounts accrued under the Finance Documents, shall become immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Exit</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Upon the occurrence 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 Change of Control;</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>nationalisation or expropriation of any assets of any member of the Group; 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>one or more sales (whether in a single transaction or a series of related transactions) of all or substantially all the assets of a member of the Group associated with an operating division or business which, on a cumulative basis, contributed (directly or indirectly) more than 25.00 per cent. of Consolidated EBITDA for the last completed financial year of the Group;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Borrower shall promptly notify the Facility Agent upon becoming aware of the occurrence of such event or that such event will occur and (whether or not the Lenders have been notified of such event by the Borrower) then:</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>no Lender shall be obliged to fund a Utilisation under any Facility; and</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>any Lender may by not less than five Business Days' notice to the&#160; Borrower immediately cancel the Commitments of that Lender and declare the participation of that Lender in all outstanding Utilisations, together with all other amounts owed to that Lender, immediately due and payable whereupon the Commitments of that Lender will be cancelled immediately and the participation of that Lender in the outstanding Utilisations, together with all other amounts owed to that Lender will become immediately due and payable by the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disposal and Insurance Proceeds</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>For the purposes of this Clause 8.3 and Clause 8.5 (Application of mandatory prepayments and cancellations):</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>Disposal</b> means a sale, lease, licence, transfer, loan or other disposal by a person of any asset, undertaking or business (whether by a voluntary or involuntary single transaction or series of transactions).</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>Disposal Proceeds</b> means the consideration receivable by any member of the Group (other than K2021 and K2020) (including any amount receivable in repayment of intercompany debt repaid by a person who ceases to be a member of the Group to continuing members of the Group) for any Disposal made by any member of the Group to persons who are not members of the Group except for Excluded Disposal Proceeds and after deducting:</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>any reasonable expenses which are incurred by any member of the Group to persons who are not members of the Group with respect to that Disposal; and</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>any Tax incurred and required to be paid by the seller in connection with that Disposal (as reasonably determined by the seller, on the basis of existing rates and taking account of any available credit, deduction or allowance).</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>Excluded Disposal Proceeds </b>means any Disposal Proceeds which, when taken together with the Disposal Proceeds of all other disposals of assets by members of the Group in aggregate, are less than ZAR5,000,000, but only to the extent that, such Disposal Proceeds are committed to be applied (as evidenced by a resolution of the board of directors of the relevant member of the Group passed within 60 days of receipt of such Disposal Proceeds) to replace an asset (not being shares or any other ownership interest in a person) with another asset of a substantially similar type for use in the Group's business (being a fixed asset in the case of a disposal of a fixed asset) within 90 days of receipt of such Disposal Proceeds (or such longer period as the Facility Agent may agree.</p>
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    <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>Excluded Insurance Proceeds </b>means any proceeds of an insurance claim which the Borrower notifies the Facility Agent are, or are to be, applied:</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>to meet a third party claim;</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>to cover operating losses (including business interruption, interruption loss or other loss of revenue) in respect of which the relevant insurance claim was made; or</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>are less than ZAR5,000,000, but only to the extent that, such Insurance Proceeds are committed to be applied in the replacement, reinstatement and/or repair of the assets or otherwise in amelioration of the loss in respect of which the relevant insurance claim was made, if such Insurance Proceeds are so applied within 180 days (or such longer period as the Facility Agent may agree) of receipt of such Insurance Proceeds, or committed to be applied (as evidenced by a resolution of the board of directors of the relevant member of the Group passed within 60 days of receipt of such Insurance Proceeds) to replace, reinstate and/or repair the relevant asset and are applied to such replacement, reinstatement or repair within 90 days of receipt of such Insurance Proceeds (or such longer period as the Facility Agent may agree)<i>.</i></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><b>Insurance Proceeds</b> means the proceeds of any insurance claim under any insurance maintained by any member of the Group except for Excluded Insurance Proceeds and after deducting any reasonable expenses in relation to that claim which are incurred by any member of the Group to persons who are not members of the Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall prepay Loans, and cancel Available Commitments, in amounts equal to the following amounts at the times and in the order of application contemplated by Clause 8.5 (Application of mandatory prepayments and cancellations):</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 Disposal Proceeds;</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 amount of Insurance Proceeds.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mandatory prepayment - cash sweep</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">8.4.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Amounts required to be paid and/or offered for repayment or prepayment under this Clause, shall be determined by reference to the following table (the <b>Cash Sweep Allocation Table</b>), and the defined terms set out in Clause 8.4.2 below:</p>
    <div style="margin-left: 76.55pt;">
        <table style="width: 90%; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; white-space: nowrap; text-align: center;"><b>Leverage Ratio</b></td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; white-space: nowrap; text-align: center;"><b>Term Facilities<br>Sweep<br>Percentage<br><br></b></td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-left: 0.75pt solid #000000; white-space: nowrap; text-align: center;"><b>Shareholder<br>Sweep<br>Percentage<br><br></b></td>
            </tr>
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; white-space: nowrap; text-align: center;">[Column 1]</td>
                <td style="background-color: #e6e6e6; width: 20%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; border-left: 0.75pt solid #000000; padding-left: 5.03pt; white-space: nowrap; text-align: center;">[Column 2]</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; white-space: nowrap; text-align: center;">[Column 3]</td>
            </tr>
            <tr>
                <td style="width: 49%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; padding-left: 5.03pt; border-top: 0.75pt solid #000000; text-align: justify;">If equal to or more than 3.00 times:</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; border: 0.75pt solid #000000; text-align: center;">100.00%</td>
                <td style="border-left: 0.75pt solid #000000; width: 20%; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; padding-left: 5.03pt; border-top: 0.75pt solid #000000; text-align: center;">0.00%</td>
            </tr>
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; text-align: justify;">If less than 3.00 times, but equal to or more than 2.50 times:</td>
                <td style="width: 20%; border-left: 0.75pt solid #000000; padding-right: 5.03pt; border-right: 0.75pt solid #000000; padding-left: 5.03pt; border-top: 0.75pt solid #000000; text-align: center;">75.00%</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;">25.00%</td>
            </tr>
        </table>
    </div>
    <br>
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    <div style="margin-left: 76.55pt;">
        <table style="width: 90%; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Leverage Ratio</b></td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Term Facilities<br>Sweep<br>Percentage<br><br></b></td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Shareholder<br>Sweep<br>Percentage<br><br></b></td>
            </tr>
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: center; white-space: nowrap;">[Column 1]</td>
                <td style="background-color: #e6e6e6; width: 20%; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; border-left: 0.75pt solid #000000; padding-left: 5.03pt; text-align: center; white-space: nowrap;">[Column 2]</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; background-color: #e6e6e6; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;">[Column 3]</td>
            </tr>
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: justify;">If less than 2.50 times, but equal to or more than 2.00 times:</td>
                <td style="border-left: 0.75pt solid #000000; width: 20%; vertical-align: middle; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">50.00%</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;">50.00%</td>
            </tr>
            <tr>
                <td style="width: 49%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000; text-align: justify;">If less than 2.00 times:</td>
                <td style="width: 20%; vertical-align: middle; border-left: 0.75pt solid #000000; padding-right: 5.03pt; border-right: 0.75pt solid #000000; padding-left: 5.03pt; border-top: 0.75pt solid #000000; text-align: center;">0.00%</td>
                <td style="width: 20%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;">100.00%</td>
            </tr>
        </table>
    </div>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">8.4.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Shareholder Sweep Percentage</b> means, in respect of any Measurement Period for which the Leverage Ratio is equal to or exceeds a level specified in Column 1 of the Cash Sweep Allocation Table, the applicable percentage specified opposite that level in Column 3 of the table;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Shareholder Sweep Amount</b>, in respect of a Measurement Period, means the applicable Shareholder Sweep Percentage multiplied by Excess Cashflow for that Measurement Period;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Term Facilities Sweep Percentage</b> means, in respect of any Measurement Period for which the Leverage Ratio is equal to or exceeds a level specified in Column 1 of the Cash Sweep Allocation Table, the applicable percentage specified opposite that level in Column 2 of the table;</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Term Facilities Sweep Amount</b>, in respect of a Measurement Period, means the applicable Term Facilities Sweep Percentage multiplied by Excess Cashflow for that Measurement Period;</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">8.4.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Within 45 days of each Excess Cashflow Measurement Date, the Borrower shall calculate the Excess Cashflow of the Group for the Measurement Period which ended on that date and deliver to the Facility Agent a Compliance Certificate, signed by the chief financial officer of the Group and one other director of the Borrower, confirming:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any Excess Cashflow for that Measurement Period;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>Term Facilities Sweep Amount.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.4.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If Excess Cashflow arises on any Excess Cashflow Measurement 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 Borrower shall offer to pay, repay or prepay Loans and other Facility Outstandings under the Term Facilities in an amount equal to the Term Facilities Sweep Amount in the order determined by the Borrower;</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 may distribute the Shareholder Sweep Amount to the ordinary shareholders of the Borrower.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">8.4.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A payment made pursuant to this Clause 8.4 is not subject to the Refinancing Penalties set out in Clause 9.12 (Refinancing penalties).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Application of mandatory prepayments and cancellations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A prepayment of Loans or cancellation of Available Commitments made under Clause&#160; 8.3 (Disposal and Insurance Proceeds) shall be applied in prepayment of Term Loans as contemplated in Clauses 8.5.2 to 8.5.5 inclusive.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless the Borrower makes an election under Clause 8.5.4, the Borrower shall prepay Loans in the case of any prepayment relating to the amounts of Disposal Proceeds or Insurance Proceeds, promptly upon receipt of those proceeds.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>A prepayment under Clause 8.3 (Disposal and Insurance Proceeds) shall prepay the Term Loans in the order determined by the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 8.5.5, a Borrower may elect that any prepayment under Clause 8.3 (Disposal and Insurance Proceeds) be applied in prepayment of a Loan on the last day of the Interest Period relating to that Loan.&#160; If a Borrower makes that election then a proportion of the Loan equal to the amount of the relevant prepayment will be due and payable on the last day of its Interest Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Borrower has made an election under Clause 8.5.4 but a Default has occurred and is continuing, that election shall no longer apply and a proportion of the Loan in respect of which the election was made equal to the amount of the relevant prepayment shall be immediately due and payable (unless the Facility Agent otherwise agrees in writing).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Excluded proceeds</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Where Excluded Disposal Proceeds and Excluded Insurance Proceeds include amounts which are intended to be used for a specific purpose within a specified period (as set out in the relevant definition of Excluded Disposal Proceeds or Excluded Insurance Proceeds), the Borrower shall ensure that those amounts are used for that purpose and shall promptly deliver a certificate to the Facility Agent at the time of such application and at the end of such period confirming the amount (if any) which has been so applied within the requisite time periods provided for in the relevant definition.</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>RESTRICTIONS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notices of cancellation or prepayment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any notice of cancellation, prepayment, authorisation or other election given by any Party under Clause 7 (Illegality, voluntary prepayment and cancellation) or Clause 8.5.4 (Application of Mandatory prepayments and cancellations) shall (subject to the terms of those Clauses) 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest and other amounts</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any prepayment under this Agreement shall be made together with accrued interest on the amount prepaid and, subject to any Break Costs or as otherwise provided in Clause 9.11 (Refinancing), without premium or penalty.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No reborrowing of Term Facilities</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not reborrow any part of a Term Facility which is prepaid.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reborrowing of GBF Facility</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The amount of any Loan paid, repaid or prepaid under a GBF Facility may be reborrowed on the terms of the GBF Documents.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Prepayment in accordance with Agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall not repay or prepay all or any part of a Term Loan or cancel all or any part of the Facility A Commitments or Facility B Commitments, except at the times and in the manner expressly provided for in this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No reinstatement of Commitments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No amount of the Total Commitments cancelled under this Agreement or the GBF Agreement may be subsequently reinstated.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Agent's receipt of notices</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If the Facility Agent receives a notice under Clause 7 (Illegality, voluntary prepayment and cancellation) or an election under Clause 8.5.4 (Application of Mandatory prepayments and cancellations), it shall promptly forward a copy of that notice or election to either the Borrower or the affected Lender, as appropriate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.8<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Prepayment elections</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent shall notify the Lenders as soon as possible of any proposed prepayment of any Loan under Clause 7.3 (Voluntary prepayment of Term Loans) or Clause 8.3 (Disposal and Insurance Proceeds).&#160;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.9<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Effect of repayment and prepayment on Commitments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If all or part of any Lender's participation in a Loan under a Term Facility is repaid or prepaid and is not available for redrawing (other than by operation of Clause 4.2 (Further conditions precedent)), an amount of that Lender's Commitment (equal to the amount of the participation which is repaid or prepaid) in respect of that Term Facility will be deemed to be cancelled on the date of repayment or prepayment.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.10<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Application of prepayments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any prepayment of a Loan (other than a prepayment pursuant to Clause 7.1 (Illegality) or Clause 7.4 (Right of cancellation and repayment in relation to a single Lender)) shall be applied pro rata to each Lender's participation in that Loan.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.11<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Refinancing</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.11.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 9.11.2, a Borrower may prepay (or procure the prepayment of) any Loan or other amount utilised under a Term Facility from amounts raised under a Refinancing, on the condition that all other Term Loans and all other amounts owing under the Finance Documents (other than any GBF Document) are repaid in full at the same time. The Borrower may not Refinance any Loans or other amounts owing under the Finance Documents, 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 Borrower has given at least 30 days' prior notice of the proposed Refinancing to the Facility Agent;</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 Facility Agent has received evidence to its satisfaction that the facilities that are to be made available to any member of the Group under the proposed Refinancing, together with any other funds that may be available to the Group), will be sufficient to repay to the Lenders amounts owing under the Finance Documents (other than any GBF Document) in full by way of a single repayment and that the Total Commitments (other than the Total GBF Commitments), will be (to the extent not previously cancelled and reduced to zero) cancelled and reduced to zero; and</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>the Facility Agent is satisfied that arrangements are in place to ensure that the funds referred to in this Clause 9.11 will be applied to repay and discharge all Term Loans and other amounts outstanding under the Finance Documents (other than any GBF Document) on the proposed repayment date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.11.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may not prepay the Term Loans or other amounts outstanding under the Finance Documents from amounts raised by way of any Refinancing, unless it pays to the Lenders any applicable Refinancing Penalties calculated in accordance with Clause 9.12 (Refinancing penalties).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.12<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Refinancing penalties</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.12.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If, at any time on or before the third anniversary of the Closing Date a Borrower makes any voluntary prepayment or repayment of any Loan pursuant to a Refinancing, the Borrower shall pay to the Facility Agent, for the account of each Lender entitled thereto, in addition to the sum prepaid or to be prepaid on any date pursuant to Clause 7.3 (Voluntary prepayment of Term Loans), the following refinancing penalties (the <b>Refinancing Penalties</b>) on the relevant due date for any such prepayment:</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>3.00 per cent. of the amount of the Term Loans prepaid during the period from (and including) the Closing Date to (and including) the first anniversary of the Closing Date;</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>2.00 per cent. of the amount of the Term Loans prepaid during the period from (but excluding) the first anniversary of the Closing Date to (and including) the second anniversary of the Closing 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>1.00 per cent. of the amount of the Term Loans prepaid during the period from (but excluding) the second anniversary of the Closing Date to (and including) the third anniversary of the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">9.12.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding Clause 9.12.1, no Refinancing Penalties shall be payable by the Borrower in respect of any prepayment made pursuant to Clause 7.3 (Voluntary prepayment of Term Loans) using (without double counting):</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>Internally Generated Cash;</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 Equity Cure Proceeds; 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 New Shareholder Injections.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">9.12.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Borrower offers to the Lender the right to refinance the Facility, no Refinancing Penalty shall be payable to it under this Clause 9.12.</p>
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    <p style="text-align: center;"><b>SECTION 5</b><br><b>COSTS OF UTILISATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13pt; 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: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Calculation of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The rate of interest on each Loan for each Interest Period is the percentage rate per annum which is the aggregate of the applicable:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Margin;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Base Rate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.2<font style="width: 33pt; 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 to which a Loan has been made shall pay accrued interest on that Loan on the last day of each Interest Period.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.3<font style="width: 33pt; 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: 51pt; 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 the overdue amount 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 2.00 per cent. per annum higher than the rate which would have been payable if the overdue amount had, during the period of non-payment, constituted a Loan in the currency of the overdue amount for successive Interest Periods, each of a duration selected by the Facility Agent (acting reasonably).&#160; Any interest accruing under this Clause 10.3 shall be immediately payable by the Obligor on demand by the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any overdue amount consists of all or part of a Loan which became due on a day which was not the last day of an Interest Period relating to that Loan:</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 first Interest Period for that overdue amount shall have a duration equal to the unexpired portion of the current Interest Period relating to that Loan; 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>the rate of interest applying to the overdue amount during that first Interest Period shall be 2.00 per cent. per annum higher than the rate which would have applied if the overdue amount had not become due.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default interest (if unpaid) arising on an overdue amount will be compounded with the overdue amount at the end of each Interest Period applicable to that overdue amount 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: 33pt; 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 Facility Agent shall promptly notify the relevant Lenders and the relevant 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: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INTEREST PERIODS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Duration</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the other provisions of this Clause, each Term Loan has successive Interest Periods each:</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>commencing on (and including) the Utilisation Date of that Term Loan (in respect of the first Interest Period for that Loan) and thereafter commencing on (and including) each successive Interest Payment Date; 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>ending on (but excluding) the next Interest Payment Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Business Days</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Interest Period would otherwise end on a day which is not a Business Day, that Interest Period will instead end on the next Business Day in that calendar month (if there is one) or the preceding Business Day (if there is not).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">12.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE CALCULATION OF INTEREST</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Absence of quotations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to Clause 12.2 (Market disruption), if JIBAR is to be determined by reference to the Reference Banks but a Reference Bank does not supply a quotation by 12h00 on the Quotation Day, JIBAR shall be determined on the basis of the quotations provided by the remaining Reference Banks.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Market disruption</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Market Disruption Event occurs in relation to the Loan for any Interest Period, then the rate of interest on each Lender's share of the Loan for the Interest Period shall be the percentage rate per annum which is the sum 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 Margin; 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>the highest of the rates notified to the Facility Agent by any relevant Lender as soon as practicable and in any event before interest is due to be paid in respect of that Interest Period, to be that which expresses as a percentage rate per annum the cost to that Lender of funding its participation in that Loan from whatever source(s) it may reasonably select.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 12:</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>Market Disruption Event</b> means:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 15.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>at or about noon on the Quotation Day for the relevant Interest Period the Screen Rate is not available and none or only one of the Reference Banks supplies a rate to the Facility Agent to determine JIBAR for the relevant Interest Period;</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>before close of business in Johannesburg on the Quotation Day for the relevant Interest Period, the Facility Agent receives notifications from one or more Lenders whose aggregate participations in the Loan exceed 30.00 per cent of aggregate principal amount of Loan that:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 11.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cost to them of funding their participation in the Loan from whatever source they may reasonably select would be in excess of JIBAR;</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>the cost to it or them of obtaining matching deposits in the Johannesburg interbank market would be in excess of JIBAR for the relevant Interest Period; or</p>
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    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(C)<font style="width: 12.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>matching deposits will not be available to them in the Johannesburg interbank market in the ordinary course of business to fund their participation in that Loan for the relevant Interest Period.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Alternative basis of interest or funding</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to the generality of Clause 12.2 (Market disruption), if a Market Disruption Event occurs and the Facility Agent or a Borrower so requires, the Facility Agent and the Borrower shall enter into negotiations (for a period of not more than 30 days, or such longer period as the Facility Agent may agree) with a view to agreeing a substitute basis for determining the rate of interest.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any alternative basis agreed pursuant to Clause 12.3.1 shall, with the prior consent of all the Lenders and the applicable Borrower, be binding on all Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Break Costs and Break Gains</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall, within three Business Days of demand by a Finance Party, pay to that Finance Party its Break Costs attributable to all or any part of a Loan or Unpaid Sum being paid by the Borrower on a day other than the last day of an Interest Period for that Loan or Unpaid Sum.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a Default is then continuing or unless such Break Gain is realised as a consequence of any prepayment of the Loan due to the occurrence of an Event of Default, a Lender realising such Break Gain shall, within 10 Business Days of demand by a Borrower, pay to the Borrower the amount of any Break Gains attributable to all or any part of the Loan or an Unpaid Sum being paid by the Borrower on a day other than the last day of an Interest Period for the Loan or that Unpaid Sum.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Lender shall, as soon as reasonably practicable after a demand by the Facility Agent, provide a certificate confirming the amount of its Break Costs or Break Gains (if applicable) for any Interest Period in which they accrue.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">13.<font style="width: 13pt; 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;">13.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-refundable Structuring fee</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall pay to the Lender, a non-refundable structuring fee in an amount equal to ZAR4,800,000 (the <b>Non-refundable Structuring Fee</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the Closing Date, the Non-refundable Structuring Fee shall accrue in full, be capitalised to Facility A and increase the Facility A Commitment by the amount of the Non-refundable Structuring Fee.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All fees due and payable to the Lender under this Clause 13.1, once paid, are non-refundable and will not discharge any other obligations to pay any fees or other amount due under the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">13.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Agent fee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If the Lender has transferred a portion of its rights and obligations under this Agreement, the Borrower shall pay to the Facility Agent a Facility Agent fee in the amount and at the times agreed in a Fee Letter.</p>
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    <p style="text-align: center;"><b>SECTION 6</b><br><b>ADDITIONAL PAYMENT OBLIGATIONS</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">14.<font style="width: 13pt; 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;">14.1<font style="width: 33pt; 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;">14.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Protected Party</b> means a Finance Party which is or will be subject to any liability or required to make any payment for or on account of Tax in relation to a sum received or receivable (or any sum deemed for the purposes of Tax to be received or receivable) under a Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.2<font style="width: 51pt; 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.3<font style="width: 51pt; 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Payment</b> means either the increase in a payment made by an Obligor to a Finance Party under Clause 14.2 (Tax gross-up) or a payment under Clause 14.3 (Tax indemnity).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.2<font style="width: 33pt; 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;">14.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall make all payments to be made by it 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;">14.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall promptly upon becoming aware that an Obligor must make a Tax Deduction (or that there is any change in the rate or the basis of a Tax Deduction) notify the Facility Agent accordingly.&#160; Similarly, a Lender shall notify the Facility Agent on becoming so aware in respect of a payment payable to that Lender.&#160; If the Facility Agent receives such notification from a Lender it shall notify the that Obligor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.2.3<font style="width: 51pt; 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;">14.2.4<font style="width: 51pt; 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;">14.2.5<font style="width: 51pt; 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 Obligor making that Tax Deduction shall deliver to the Facility Agent for the Finance Party entitled to the payment evidence reasonably satisfactory to that Finance Party 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;">14.3<font style="width: 33pt; 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;">14.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall (within three Business Days of demand by the Facility Agent) pay to a Protected Party an amount equal to the loss, liability or cost which that Protected Party determines will be or has been (directly or indirectly) suffered for or on account of Tax by that Protected Party in respect of a Finance Document.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 14.3.1 shall 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>with respect to any Tax assessed on a Finance Party:</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>under the law of the jurisdiction in which that Finance Party is incorporated or, if different, the jurisdiction (or jurisdictions) in which that Finance Party is treated as resident for tax purposes; or</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>under the law of the jurisdiction in which that Finance Party is located in respect of amounts received or receivable in that jurisdiction,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">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 that Finance Party; 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 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 14.2 (Tax gross-up); or</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>relates to a FATCA Deduction required to be made by a Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Protected Party making, or intending to make a claim under Clause 14.3.1 shall promptly notify the Facility Agent of the event which will give, or has given, rise to the claim, following which the Facility Agent shall notify the Obligors.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.3.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Protected Party shall, on receiving a payment from an Obligor under this Clause 14.3, notify the Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Credit</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If an Obligor makes a Tax Payment and the relevant Finance Party determines that:</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>a Tax Credit is attributable to an increased payment of which that Tax Payment forms part, to that Tax Payment or to a Tax Deduction in consequence of which that Tax Payment was required; 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>that Finance Party has obtained and utilised that Tax Credit,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Finance Party shall pay an amount to the Obligor which that Finance Party 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 the Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Stamp taxes</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay and, within three Business Days of demand, indemnify each Finance Party against any cost, loss or liability that Finance Party 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;">14.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VAT</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All amounts expressed to be payable under a Finance Document by any Party to a Finance Party which (in whole or in part) constitute the consideration for any supply for VAT purposes are deemed to be exclusive of any VAT which is chargeable on that supply, and accordingly, subject to Clause 14.6.2, if VAT is or becomes chargeable on any supply made by any Finance Party to any Party under a Finance Document and such Finance Party is required to account to the relevant tax authority for the VAT, that Party must pay to such Finance Party (in addition to and at the same time as paying any other consideration for such supply) an amount equal to the amount of the VAT (and such Finance Party must promptly provide an appropriate VAT invoice to that Party).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If VAT is or becomes chargeable on any supply made by any Finance Party (the <b>Supplier</b>) to any other Finance Party (the <b>Recipient</b>) under a Finance Document, and any Party other than the Recipient (the <b>Relevant Party</b>) is required by the terms of any Finance Document to pay an amount equal to the consideration for that supply to the Supplier (rather than being required to reimburse or indemnify the Recipient in respect of that consideration):</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>(where the Supplier is the person required to account to the relevant tax authority for the VAT) the Relevant Party must also pay to the Supplier (at the same time as paying that amount) an additional amount equal to the amount of the VAT.&#160; The Recipient must (where this paragraph (a) applies) promptly pay to the Relevant Party an amount equal to any credit or repayment the Recipient receives from the relevant tax authority which the Recipient reasonably determines relates to the VAT chargeable on that supply; 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>(where the Recipient is the person required to account to the relevant tax authority for the VAT) the Relevant Party must promptly, following demand from the Recipient, pay to the Recipient an amount equal to the VAT chargeable on that supply but only to the extent that the Recipient reasonably determines that it is not entitled to credit or repayment from the relevant tax authority in respect of that VAT.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where a Finance Document requires any Party to reimburse or indemnify a Finance Party for any cost or expense, that Party shall reimburse or indemnify (as the case may be) such Finance Party for the full amount of such cost or expense, including such part thereof as represents VAT, save to the extent that such Finance Party reasonably determines that it is entitled to credit or repayment in respect of such VAT from the relevant tax authority.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.7<font style="width: 33pt; 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;">14.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 14.7.3, 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: 16.67pt; 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: 13.95pt; 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;">14.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Party confirms to another Party pursuant to Clause 14.7.1(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>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 14.7.1 shall not oblige any Finance Party to do anything, and Clause 14.7.1(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;">14.7.4<font style="width: 51pt; 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 Clauses 14.7.1(a) or 14.7.1(b) (including, for the avoidance of doubt, where Clause 14.7.3 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.7.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Borrower is a US Tax Obligor or the Facility Agent reasonably believes that its obligations under FATCA or any other applicable law or regulation require it, each Lender shall, within 10 Business Days 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>where the Borrower is a US Tax Obligor and the relevant Lender is an Original Term<b> </b>Lender or the GBF Lender, 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>where a Borrower is a US Tax Obligor on a date on which any other Lender becomes a Party as a Lender, that date;</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 date a new US Tax Obligor accedes as a Borrower; 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>where a Borrower is not a US Tax Obligor, the date of a request from the Facility Agent,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">supply to the Facility Agent:</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>a withholding certificate on Form W-8, Form W-9 or any other relevant form; or</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>any withholding statement or other document, authorisation or waiver as the Facility Agent may require to certify or establish the status of such Lender under FATCA or that other law or regulation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.7.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall provide any withholding certificate, withholding statement, document, authorisation or waiver it receives from a Lender pursuant to Clause 14.7.5 to the relevant Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.7.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any withholding certificate, withholding statement, document, authorisation or waiver provided to the Facility Agent by a Lender pursuant to Clause 14.7.5 is or becomes materially inaccurate or incomplete, that Lender shall promptly update it and provide such updated withholding certificate, withholding statement, document, authorisation or waiver to the Facility Agent unless it is unlawful for the Lender to do so (in which case the Lender shall promptly notify the Facility Agent).&#160; The Facility Agent shall provide any such updated withholding certificate, withholding statement, document, authorisation or waiver to the relevant Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.7.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may rely on any withholding certificate, withholding statement, document, authorisation or waiver it receives from a Lender pursuant to Clauses 14.7.5 or 14.7.7 without further verification.&#160; The Facility Agent shall not be liable for any action taken by it under or in connection with Clauses 14.7.5, 14.7.6 or 14.7.7.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.8<font style="width: 33pt; 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;">14.8.1<font style="width: 51pt; 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>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.8.2<font style="width: 51pt; 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 and, in addition, shall notify the Borrower and the Facility Agent and the Facility Agent shall notify the other Finance Parties.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">15.<font style="width: 13pt; 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;">15.1<font style="width: 33pt; 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;">15.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 15.3 (Exceptions) the Borrower shall, within three Business Days of a demand by the Facility Agent, pay for the account of a Finance Party the amount of any Increased Costs incurred by that Finance Party or any of its Affiliates as a result of (i) the introduction of or any change in (or in the interpretation, administration or application of) any law or regulation or (ii) compliance with 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;">15.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement <b>Increased Costs</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>a reduction in the rate of return from a Facility or on a Finance Party's (or its Affiliate's) overall capital;</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>an additional or increased cost; 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>a reduction of any amount due and payable under any Finance Document,</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>which is incurred or suffered by a Finance Party or any of its Affiliates to the extent that it is attributable to that Finance Party having entered into its Commitment or funding or performing its obligations under any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">15.2<font style="width: 33pt; 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;">15.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party intending to make a claim pursuant to Clause 15.1 (Increased costs) shall notify the Facility Agent of the event giving rise to the claim, following which the Facility Agent shall promptly notify the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Finance Party shall, as soon as practicable after a demand by the Facility Agent, provide a certificate confirming the amount of its Increased Costs.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">15.3<font style="width: 33pt; 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;">15.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 15.1 (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>attributable to a FATCA Deduction required to be made by a Party;</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>compensated for by Clause 14.3 (Tax indemnity) (or would have been compensated for under Clause 14.3 (Tax indemnity) but was not so compensated solely because any of the exclusions in Clause 14.3.2 (Tax indemnity) applied);</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>attributable to the wilful breach by the relevant Finance Party or its Affiliates of any law or regulation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 15.3 reference to a <b>Tax Deduction</b> has the same meaning given to the term in Clause 14.1 (Definitions).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">16.<font style="width: 13pt; 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;">16.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other indemnities</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Obligors shall, within three Business Days of demand, indemnify the Arranger and each other Finance Party against any cost, loss or liability incurred by it as a result of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.1.1<font style="width: 51pt; 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;">16.1.2<font style="width: 51pt; 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, including without limitation, any cost, loss or liability arising as a result of Clause 29 (Sharing among the Finance Parties);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>funding, or making arrangements to fund, its participation in a Loan requested by a 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 default or negligence by that Finance Party alone); or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.1.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Loan (or part of a Loan) not being prepaid in accordance with a notice of prepayment given by the Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">16.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental indemnity</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Obligors shall, within five Business Days of demand, indemnify each Finance Party and its officers, employees, agents and delegates (together the <b>Indemnified Parties</b>) against any 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;">16.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises by virtue of any actual or alleged breach of any Environmental Law (whether by any member of the Group or any other person);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises in connection with an Environmental Claim; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises as a result of any enquiry, investigation, subpoena (or similar order) or litigation with respect to any Environmental Claim and any other enquiry, investigation, subpoena (or similar order) or litigation in respect of any breach of any Environmental Law that has or is reasonably likely to give rise to any liability for any Finance Party,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">which relates to the Group, any assets of the Group or the operation of all or part of the business of the Group (or, in each case, any member of the Group) and which would not have arisen if the Finance Documents or any of them had not been executed by that Finance Party or the Finance Party had not otherwise participated in the funding arrangements contemplated by the Finance Documents or any of them.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">16.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Indemnity to the Facility Agent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall promptly indemnify the Facility Agent against and shall pay to the Facility Agent and each such Representative any cost, loss or liability incurred by the Facility Agent or Representative as a result of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>investigating or taking any other action in connection with any event which it reasonably believes is a Default;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any failure by a Borrower to comply with its obligations under Clause 18 (Costs and Expenses);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any default by an Obligor or any other Security Provider in the performance of any of the other obligations expressed to be assumed by it in the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>acting or relying on any notice, request or instruction which it reasonably believes to be genuine, correct and appropriately authorised;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the exercise of any of the rights, powers, discretions, authorities and remedies vested in the Facility Agent and each Representative appointed by the Facility Agent by the Finance Documents or by law other than by reason of the Facility Agent's gross negligence or wilful default;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>instructing lawyers, accountants, tax advisers, surveyors or other professional advisers or experts as permitted under this Agreement; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.3.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>instructing any Representative under the Finance Documents.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">17.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>MITIGATION BY THE LENDERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.1<font style="width: 33pt; 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;">17.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Finance Party shall, in consultation with the Borrower, take all reasonable steps to mitigate any circumstances which arise and which would result in any Facility ceasing to be available or any amount becoming payable under or pursuant to, or cancelled pursuant to, any of Clause 7.1 (Illegality), Clause 14 (Tax gross-up and indemnities) or Clause 15 (Increased Costs) including (but not limited to) transferring its rights and obligations under the Finance Documents to another Affiliate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 17.1.1 does not in any way limit the obligations of any Obligor under the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.2<font style="width: 33pt; 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;">17.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall promptly indemnify each Finance Party for all costs and expenses reasonably incurred by that Finance Party as a result of steps taken by it under Clause 17.1 (Mitigation).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Finance Party is not obliged to take any steps under Clause 17.1 (Mitigation) if, in the opinion of that Finance Party (acting reasonably), 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;">18.<font style="width: 13pt; 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;">18.1<font style="width: 33pt; 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 Facility Agent and the Arranger the amount of all costs and expenses (including reasonable or agreed legal fees and costs relating to site visits) reasonably incurred by any of them in connection with the negotiation, preparation, printing, execution, syndication and perfection of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement and any other documents referred to in this Agreement and the Transaction Security; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.1.2<font style="width: 51pt; 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;">18.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment costs</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;">18.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>an Obligor requests an amendment, waiver or consent; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>there is any change in law or any regulation which requires an amendment, waiver or consent under the Finance Documents,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">the Borrower shall, within three Business Days of demand, reimburse each Finance Party for the amount of all costs and expenses (including legal fees) reasonably incurred by that Finance Party (and by any Representative appointed by such Finance Party) in responding to, evaluating, negotiating or complying with that request or requirement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Enforcement and preservation costs</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall, within three Business Days of demand, pay to each Finance Party the amount of all costs and expenses (including legal fees on the scale between attorney and own client whether incurred before or after judgment) incurred by it in connection with the enforcement of or the preservation of any rights under any Finance Document and the Transaction Security and any proceedings instituted by or against a Finance Party as a consequence of taking or holding the Transaction Security or enforcing these rights.</p>
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    <p style="text-align: center;"><b>SECTION 7</b><br><b>GUARANTEE</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">19.<font style="width: 13pt; 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;">19.1<font style="width: 33pt; 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;">19.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Guarantor irrevocably and unconditionally jointly and severally, as a principal obligor and not merely as a surety on the basis of discrete obligations enforceable against it:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>guarantees to each Finance Party 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;">19.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>undertakes with each Finance Party that whenever another Obligor does not pay any amount when due under or in connection with any Finance Document, that Guarantor 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;">19.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees with each Finance Party that if any obligation guaranteed by it is or becomes unenforceable, invalid or illegal, it will, as an independent and primary obligation, indemnify that Finance Party 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.&#160; The amount payable by a Guarantor under this indemnity will not exceed the amount it would have had to pay under this Clause 19 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;">19.3<font style="width: 33pt; 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 any Obligor 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;">19.4<font style="width: 33pt; 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 a Finance Party 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, administration, winding up or otherwise, without limitation, then the liability of each Guarantor under this Clause 19 will continue or be reinstated as if the discharge, release or arrangement had not occurred.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Waiver of defences</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligations of each Guarantor under this Clause 19 will not be affected by an act, omission, matter or thing which, but for this Clause 19, would reduce, release or prejudice any of its obligations under this Clause 19 (without limitation and whether or not known to it or any Finance Party) including:</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 time, waiver or consent granted to, or composition with, any Obligor or other person;</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 release of any other 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the taking, variation, compromise, exchange, renewal or release of, or refusal or neglect to perfect, 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; 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 an Obligor or any other person;</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>any amendment, novation, supplement, extension, restatement (however fundamental and whether or not more onerous) or replacement of a Finance Document or any other document or security including, without limitation, any change in the purpose of, any extension of or 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>any unenforceability, illegality, invalidity, suspension or cancellation of any obligation of any person under any Finance Document or any other document or security; or</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>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: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.6<font style="width: 33pt; 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 19.5 (<i>Waiver of defences</i>), 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:&#160; 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;">19.7<font style="width: 33pt; 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 any Finance Party (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 19.&#160; 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;">19.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Appropriations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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, each Finance Party (or any trustee or agent on its behalf) may:</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>refrain from applying or enforcing any other moneys, security or rights held or received by that Finance Party (or any 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 no Guarantor shall be entitled to the benefit of the same; and</p>
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    <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>hold in an interest-bearing suspense account any moneys received from any Guarantor or on account of any Guarantor's liability under this Clause 19.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deferral of Guarantors' rights</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Facility Agent otherwise directs, no Guarantor will 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 19:</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>to be indemnified by an Obligor;</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>to claim any contribution from any other guarantor of or provider of security for any Obligor's obligations under the Finance Documents;</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>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 Finance Parties under the Finance Documents or of any other guarantee or security taken pursuant to, or in connection with, the Finance Documents by any Finance Party;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>to bring legal or other proceedings for an order requiring any Obligor to make any payment, or perform any obligation, in respect of which any Guarantor has given a guarantee, undertaking or indemnity under Clause 19.1 (<i>Guarantee and indemnity</i>);</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>to exercise any right of set-off against any Obligor; and/or</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>to claim, rank, prove or vote as a creditor or shareholder of any Obligor in competition with any Finance Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Finance Parties 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 Finance Parties and shall promptly pay or transfer the same to the Facility Agent or as the Facility Agent may direct for application in accordance with Clause 30 (Payment Mechanics).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.10<font style="width: 28pt; 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 any Finance Party.</p>
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    <p style="text-align: center;"><b>SECTION 8</b><br><b>REPRESENTATIONS, UNDERTAKINGS AND EVENTS OF DEFAULT</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">20.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPRESENTATIONS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor (other than K2020 and K2021) makes the representations and warranties set out in this Clause 20 to each Finance Party. A reference in this Clause to "it" or "its" includes, unless the context otherwise requires, each Obligor.&#160; The Finance Parties enter into the Finance Documents to which they are party on the strength of and relying on the representations and warranties set out in this Clause 20, each of which is a separate representation and warranty, given without prejudice to any other representation or warranty and is deemed to be a material representation or warranty (as applicable) inducing the Finance Parties to enter into the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.1<font style="width: 33pt; 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;">20.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is a limited liability corporation, duly incorporated and validly existing under the law of its Original Jurisdiction.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each of its Subsidiaries is a limited liability corporation, duly incorporated and validly existing under the law of its jurisdiction of incorporation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It and each of its Subsidiaries 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;">20.2<font style="width: 33pt; 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;">20.2.1<font style="width: 51pt; 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;">20.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without limiting the generality of Clause 20.2.1, each Transaction Security Document to which it is a party creates the Security which that Transaction Security Document purports to create and that Security is valid and effective.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.3<font style="width: 33pt; 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 of, 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;">20.3.1<font style="width: 51pt; 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;">20.3.2<font style="width: 51pt; 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;">20.3.3<font style="width: 51pt; 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;">20.4<font style="width: 33pt; 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;">20.4.1<font style="width: 51pt; 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;">20.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No limit on its powers will be exceeded as a result of the borrowing, grant 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;">20.5<font style="width: 33pt; 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;">20.5.1<font style="width: 51pt; 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 Relevant Jurisdictions,</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;">20.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All Authorisations necessary for the conduct of the business, trade and ordinary activities of members of the Group 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;">20.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition Documents </b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Acquisition Documents contain all the terms of the Acquisition.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Acquisition Document to which it is a party is in full force and effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not in unremedied breach of any of its obligations under any Acquisition Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.6.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>There have been no amendments to any Acquisition Document from the form provided to the Facility Agent pursuant to Clause 4.1 (Initial conditions precedent), other than any amendment permitted pursuant to Clause 23.29 (Acquisition Documents).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.7<font style="width: 33pt; 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;">20.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The choice of governing law of the Finance Documents will be recognised and enforced in its Relevant Jurisdictions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.7.2<font style="width: 51pt; 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 Relevant Jurisdictions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.8<font style="width: 33pt; 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;">20.8.1<font style="width: 51pt; 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 24.7.1 (Insolvency 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 24.8 (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, Security Provider 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 24.6 (Insolvency) applies to any Obligor, Security Provider or member of the Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.8.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Neither it nor any other Obligor, Security Provider or any member of the Group is Financially Distressed (as defined in the Companies Act, 2008).</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.9<font style="width: 33pt; 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 Relevant Jurisdiction 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 Taxes 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;">20.10<font style="width: 28pt; 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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.11<font style="width: 28pt; 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;">20.11.1<font style="width: 46pt; 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 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;">20.11.2<font style="width: 46pt; 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 (however described) under any other agreement or instrument which is binding on it or any of its Subsidiaries or to 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;">20.12<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Base Case Model</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Base Case Model has been prepared on the basis of, amongst other things, historical financial statements which were prepared in accordance with IFRS for SMEs and as applied to the Original Financial Statements, and the financial projections contained in the Base Case Model have been prepared on the basis of recent historical information, are fair and based on reasonable assumptions and have been approved by the board of directors of the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.13<font style="width: 28pt; 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;">20.13.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Financial Statements were prepared in accordance with IFRS for SMEs consistently applied.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.13.2<font style="width: 46pt; 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;">20.13.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>There has been no material adverse change in its assets, 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;">20.13.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Its most recent financial statements delivered pursuant to Clause 21.3 (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;">(b)<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;">20.13.5<font style="width: 46pt; 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;">20.14<font style="width: 28pt; 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 11 (Disclosure Schedule):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.14.1<font style="width: 46pt; 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;">20.14.2<font style="width: 46pt; 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;">20.15<font style="width: 28pt; 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;">20.15.1<font style="width: 46pt; 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;">20.15.2<font style="width: 46pt; 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;">20.16<font style="width: 28pt; 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;">20.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each member of the Group is in compliance with Clause 23.3 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;">20.16.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Environmental Claim has been commenced or (to the best of its knowledge and belief, having made due and careful enquiry) is threatened against any member of the Group where that claim has or is reasonably likely, if determined against that member of the Group, to have a Material Adverse Effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.16.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The cost to the Group of compliance with Environmental Laws (including Environmental Permits) is (to the best of its knowledge and belief, having made due and careful enquiry) adequately provided for in the Base Case Model and the cost of compliance with the recommendations contained in the Environmental Report is adequately provided for in the Base Case Model.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.17<font style="width: 28pt; 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;">20.17.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not (and no member of the Group is) 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;">20.17.2<font style="width: 46pt; 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;">20.17.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is resident for Tax purposes only in its Original Jurisdiction.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.18<font style="width: 28pt; 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 11 (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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.19<font style="width: 28pt; 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 11 (Disclosure Schedule):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.19.1<font style="width: 46pt; 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 member of the Group other than the Permitted Security;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.19.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>no member of the Group has any Financial Indebtedness outstanding other than the Permitted Financial Indebtedness.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.20<font style="width: 28pt; 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 or will have first ranking priority and it is not subject to any prior ranking or pari passu ranking Security.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.21<font style="width: 28pt; 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;">20.22<font style="width: 28pt; 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 a 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;">20.23<font style="width: 28pt; 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;">20.24<font style="width: 28pt; 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;">20.24.1<font style="width: 46pt; 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;">20.24.2<font style="width: 46pt; 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;">20.24.3<font style="width: 46pt; 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 Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.25<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">It:</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.25.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>is the sole legal and beneficial owner of or has licensed to it on normal commercial terms all the Intellectual Property which is material in the context of its business and which is required by it in order to carry on its business as it is being conducted on the date of this Agreement and as contemplated in the Base Case Model;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.25.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>does not, in carrying on its businesses, infringe any Intellectual Property of any third party in any respect; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.25.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>has taken all formal or procedural actions (including payment of fees) required to maintain any material Intellectual Property owned by it.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.26<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Accounting Reference Date</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The accounting reference date of each member of the Group is the Accounting Reference Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.27<font style="width: 28pt; 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;">20.27.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not necessary under the laws of its Relevant Jurisdictions:</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 any Finance Party 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 any Finance Party should be licensed, qualified or otherwise entitled to carry on business in any of its Relevant Jurisdictions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.27.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Finance Party is or will be deemed to be resident, domiciled or carrying on business in its Relevant Jurisdictions 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;">20.28<font style="width: 28pt; 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;">20.28.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the representations and warranties in this Clause 20 are made by each of the Obligors on the date of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.28.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the representations and warranties in this Clause 20 are deemed to be made by each of the Obligors on the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.28.3<font style="width: 46pt; 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;">20.28.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each representation and warranty in this Clause 20 is deemed to be made by each Additional Obligor on the day which it becomes (or it is proposed that it becomes) an Additional Obligor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.28.5<font style="width: 46pt; 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>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.29<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2020 and K2021</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.29.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>K2020 makes the representations and warranties set out in clause 18 to the K2020 Facility Agreement <i>mutatis mutandis</i> in relation to this Agreement to each Finance Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.29.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>K2021 makes the representations and warranties set out in clause 18 to the K2020 Facility Agreement as if a reference to K2020 were a reference to K2021 and <i>mutatis mutandis</i> in relation to this Agreement to each Finance Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.29.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Finance Parties enter into the Finance Documents to which they are party on the strength of and relying on the representations and warranties made pursuant to Clauses 20.29.1 and 20.29.2, each of which is a separate representation and warranty, given without prejudice to any other representation or warranty and is deemed to be a material representation or warranty (as applicable) inducing the Finance Parties to enter into the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">20.29.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The expiry or termination of the K2020 Facility Agreement will not affect the provisions of this Clause 20.29 will continue in force or which of necessity must continue to apply after that expiry or termination.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">21.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INFORMATION UNDERTAKINGS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 any Commitment is in force.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 21:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Annual Financial Statements means the financial statements for a Financial Year delivered pursuant Clause 21.3.1 (Financial statements)</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Quarterly Management Accounts means the management accounts delivered pursuant to Clause 21.3.2 (Financial statements).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial statements</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall supply to the Facility Agent in sufficient copies for all the Lenders:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>as soon as they are available, but in any event within 180 days after the end of each of its Financial Years (or such other period agreed to by the Facility Agent), its audited consolidated financial statements for that Financial Year;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.3.2<font style="width: 51pt; 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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Provision and contents of Compliance Certificate</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall supply a Compliance Certificate to the Facility Agent with each set of its Annual Financial Statements and each set of management accounts for a quarter.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Compliance Certificate shall, amongst other things, set out (in reasonable detail) computations as to compliance with Clause 22 (Financial Covenants).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Compliance Certificate shall be signed by the financial director and one other director of the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.5<font style="width: 33pt; 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;">21.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall procure that each set of Annual Financial Statements and Quarterly Management Accounts includes a balance sheet and income statement.&#160; In addition the Borrower shall procure 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>each set of its Annual Financial Statements shall be audited by the Auditors;</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>each set of Quarterly Management Accounts is accompanied by a statement by the directors of the Borrower highlighting any material developments or proposals affecting the cashflow of the Group, including Consolidated EBITDA, revenue, net income and capital expenditure.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each set of financial statements delivered pursuant to Clause 21.3 (Financial statements) (other than the Quarterly Management Accounts):</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>shall be certified by the finance director and one other director of the relevant company as fairly presenting its financial condition and operations as at the date as at which those financial statements were drawn up;</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 the case of consolidated financial statements of the Group, shall be accompanied by a statement by the directors of the Borrower comparing actual performance for the period to which the financial statements relate to the actual performance for the corresponding period in the preceding Financial Year of the Group; and</p>
    <p style="margin-left: 102.05pt; text-align: justify;">shall be prepared using IFRS or IFRS for SMEs (as applicable), accounting practices and financial reference periods consistent with those applied in the preparation of the Original Financial Statements, unless, in relation to any set of financial statements, the Borrower notifies the Facility Agent that there has been a change in IFRS or IFRS for SMEs (as applicable) or the accounting practices and the Auditors deliver to the Facility Agent:</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>a description of any change necessary for those financial statements to reflect IFRS or IFRS for SMEs (as applicable) or accounting practices upon which the Base Case Model or, the Original Financial Statements were prepared; and</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>sufficient information, in form and substance as may be reasonably required by the Facility Agent, to enable the Lenders to determine whether Clause 22 (Financial covenants) has been complied with and to make an accurate comparison between the financial position indicated in those financial statements and the Base Case Model or the Original Financial Statements.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any reference in this Agreement to any financial statements shall be construed as a reference to those financial statements as adjusted to reflect the basis upon which the Base Case Model or, as the case may be, the Original Financial Statements were prepared.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.5.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent wishes to discuss the financial position of any member of the Group with the auditors of that member of the Group, the Facility Agent may notify the Borrower, stating the questions or issues which the Facility Agent wishes to discuss with those auditors.&#160; In this event, the Borrower must ensure that those auditors are authorised (at the expense of the Borrower):</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>to discuss the financial position of the relevant member of the Group with the Facility Agent on request from the Facility Agent; 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 disclose to the Facility Agent for the Finance Parties any information which the Facility Agent may reasonably request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Presentations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Once in every Financial Year, or more frequently if requested to do so by the Facility Agent if the Facility Agent reasonably suspects a Default is continuing or may have occurred or may occur, at least one director and the chief financial officer of the Borrower must give a presentation to the Finance Parties about the on-going business and financial performance of the Group.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">21.7<font style="width: 33pt; 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 Facility Agent, deliver to the Facility Agent, in sufficient copies for all Lenders, at the same time they are distributed to the relevant board of directors, copies of all board packs submitted to the board of directors of an Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Year-end</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall change its Accounting Reference Date other than to the Accounting Reference Date set out in Clause 1.1.4(b).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Information: miscellaneous</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall supply to the Facility Agent (in sufficient copies for all the Lenders, if the Facility Agent so requests):</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>copies of all documents dispatched by an Obligor to:</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>its creditors (or any class of them) generally; 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>its shareholders (or any class of them) generally pursuant to any applicable law or regulation,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">in each case, at the same time as they are dispatched;</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>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 Finance Parties;</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>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>
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    <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>promptly, such further information regarding the financial condition, business and operations of it or any other member of the Group as any Finance Party (through the Facility Agent) may reasonably request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.10<font style="width: 28pt; 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;">21.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall notify the Facility Agent 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;">21.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Promptly upon a request by the Facility Agent, the Borrower shall supply to the Facility Agent a certificate signed by two 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;">21.11<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>"Know your customer" checks</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</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>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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>a proposed transfer by a Lender of any of its rights and/or obligations under this Agreement to a party that is not a Lender prior to such transfer,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">obliges the Facility Agent or any Lender (or, in the case of paragraph (c) above, any prospective new Lender) to comply with "know your customer" 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, each Obligor shall promptly upon the request of the Facility Agent or any Lender supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any Lender) or any Lender (for itself or, in the case of the event described in paragraph (c) above, on behalf of any prospective new Lender) in order for the Facility Agent, such Lender or, in the case of the event described in paragraph (c) above, 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Lender shall promptly upon the request of the Facility Agent supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself) in order for the Facility Agent 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: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall, by not less than 10 Business Days' prior written notice to the Facility Agent, notify the Facility Agent (which shall promptly notify the Lenders) of its intention to request that one of its Subsidiaries becomes an Additional Obligor pursuant to Clause 26 (Changes to the Obligors).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Following the giving of any notice pursuant to Clause 21.11.3, if the accession of such Additional Obligor obliges the Facility Agent or any Lender to comply with "know your customer" or similar identification procedures in circumstances where the necessary information is not already available to it, the Borrower shall promptly upon the request of the Facility Agent or any Lender supply, or procure the supply of, such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any Lender) or any Lender (for itself or on behalf of any prospective new Lender) in order for the Facility Agent or such Lender or 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 accession of such Subsidiary to this Agreement as an Additional Obligor.</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">22.<font style="width: 13pt; 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;">22.1<font style="width: 33pt; 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;">22.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Borrowings</b> means, at any time, the aggregate outstanding principal, capital or nominal amount (and any fixed or minimum premium payable on prepayment or redemption) of any indebtedness of the members of the Covenant Group 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 provider and debit balances at banks or other 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 acceptances under any acceptance credit or bill discount 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 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: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Finance Lease;</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>receivables sold or discounted (other than any receivables to the extent they are sold on a non-recourse basis and meet any requirements for de-recognition under IFRS or IFRS for SMEs (as applicable));</p>
    <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>any counter-indemnity obligation in respect of a guarantee, bond, standby or documentary letter of credit or any other instrument issued by a bank or financial institution in respect of an underlying liability of an entity which is not a member of the Covenant Group which liability would fall within one of the other paragraphs of this definition;</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 amount raised by the issue of shares which are redeemable (other than at the option of the issuer) or are otherwise classified as borrowings under IFRS or IFRS for SMEs (as applicable);</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 of any liability under an advance or deferred purchase agreement if:</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>one of the primary reasons behind the entry into the agreement is to raise finance or to finance the acquisition or construction of the asset or service in question; or</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 agreement is in respect of the supply of assets or services and payment is due more than 90 days after the date of supply;</p>
    <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 amount raised under any other transaction (including any forward sale or purchase agreement, sale and sale back or sale and leaseback agreement) having the commercial effect of a borrowing or otherwise classified as borrowings under IFRS or IFRS for SMEs (as applicable); and</p>
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    <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>(without double counting) the amount of any liability in respect of any guarantee or indemnity for any of the items referred to in paragraphs (a) to (i) above,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">but shall exclude any debt which has been subordinated on terms acceptable to the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Capital Expenditure</b> means any expenditure or obligation in respect of expenditure which, in accordance with IFRS or IFRS for SMEs (as applicable), is treated as capital expenditure.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cashflow</b> means, in respect of any Measurement Period, Consolidated EBITDA for that Measurement Period after:</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>adding the amount of any decrease (and deducting the amount of any increase) in Working Capital for that Measurement Period (save for any decrease or increase in relation to activities where the Covenant Group acted as agent);</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>adding the amount of any cash receipts (and deducting the amount of any cash payments) during that Measurement Period in respect of any Exceptional Items not already taken account of in calculating Consolidated EBITDA for any Measurement Period (other than, in the case of cash receipts, Relevant Proceeds);</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>adding the amount of any cash receipts during that Measurement Period in respect of any Tax rebates or credits and deducting the amount actually paid or due and payable in respect of Taxes during that Measurement Period by any member of the Covenant Group;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>adding (to the extent not already taken into account in determining Consolidated EBITDA) the amount of any dividends or other profit distributions received in cash by any member of the Group during that Measurement Period from any entity which is itself not a member of the Group and deducting (to the extent not already deducted in determining Consolidated EBITDA) the amount of any dividends paid in cash during the Measurement Period to minority shareholders in members of the Group;</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>adding the amount of any increase in provisions, other non-cash debits and other non-cash charges (which are not Current Assets or Current Liabilities) and deducting the amount of any non-cash credits (which are not Current Assets or Current Liabilities) in each case to the extent taken into account in establishing Consolidated EBITDA;</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>deducting 25 per cent. of the amount of any Capital Expenditure actually made (or due to be made) in cash for the purposes of maintenance during that Measurement Period by any member of the Covenant Group;</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>deducting the amount of any trade payable in relation to any Excess Inventory;</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>adding the amount of any trade payable in relation to any Excess Inventory as calculated at the beginning of the Measurement Period,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and so that no amount shall be added (or deducted) more than once.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Consolidated EBITDA</b> means, in respect of any Measurement Period, the consolidated EBITDA of the Covenant Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Covenant Group</b> means each member of the Group other than K2021, K2020 and Cash Connect Capital.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Current Assets</b> means the aggregate (on a consolidated basis) of all inventory, work in progress, trade and other receivables of each member of the Covenant Group including prepayments in relation to operating items and sundry debtors (but excluding Cash and Cash Equivalent Investments) expected to be realised within twelve months from the date of computation but <b>excluding</b> amounts in respect 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>receivables in relation to 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>Exceptional Items and other non-operating items;</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>insurance claims; 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>any interest owing to any member of the Covenant Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Current Liabilities</b> means the aggregate (on a consolidated basis) of all liabilities (including trade creditors, accruals and provisions) of each member of the Covenant Group expected to be settled within 12 months from the date of computation but <b>excluding</b> amounts in respect 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>liabilities for Borrowings and Finance Charges;</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>liabilities for Tax;</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>Exceptional Items and other non-operating items approved by the Facility Agent; 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>insurance claims; and.</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>liabilities in relation to dividends declared but not paid by a member of the Covenant Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Service</b> means, in respect of any Measurement Period, 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>Net Finance Charges for that Measurement 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>all scheduled and mandatory repayments of Borrowings falling due during that Measurement Period but excluding:</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>any amounts falling due under any GBF Documents and which were available for simultaneous redrawing according to the terms of that facility; and</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>for the avoidance of doubt, any mandatory prepayment made pursuant to Clause 8.3 (Disposal and Insurance Proceeds); 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 amount of the capital element of any payments in respect of that Measurement Period payable under any Finance Lease entered into by any member of the Covenant Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and so that no amount shall be included more than once.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.9<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Service Cover</b> means the ratio of Cashflow to Debt Service in respect of any Measurement Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.10<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EBITDA</b>, in relation to any Measurement Period and to a member of the Covenant Group, means the operating income of that member of the Covenant Group for that period, without taking any account of the following items (without double counting):</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 interest accrued as an obligation of, or owed to, any member of the Covenant Group, whether or not paid, deferred or capitalised during that 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 amount of Tax on profits, gains or income paid or payable by that member of the Covenant Group and any amount of any rebate or credit in respect of Tax on profits, gains or income received or receivable by that member of the Covenant 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>any depreciation or amortisation whatsoever, and any charge for impairment or any reversal in that period of any previous impairment charge;</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 loss or gain (as applicable) against book value incurred by that member of the Covenant Group on the Disposal of any asset (other than trading stock or motor vehicles) during that period and any gain arising on any revaluation of an asset during that period;</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>any unrealised gains or losses due to exchange rate movements which are reported through the income statement;</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>any unrealised gains or losses on any financial instrument (other than any financial instrument which is accounted for on a hedge accounting basis) which are reported through the income statement;</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>any Exceptional Items approved by the Facility Agent in writing before the applicable Measurement Date;</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>any Transaction Expenses,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and shall include the amount of Cash received by that member of the Covenant Group from an associate or investment (which is not a member of the Covenant Group) in which that member of the Covenant Group has an ownership interest in the ordinary course of business.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.11<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Exceptional Items</b> means any exceptional, one off, non-recurring or extraordinary items, including (but not limited to) material items of an unusual or non-recurring nature which represent gains or losses 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 restructuring of the activities of an entity and reversals of any provisions for the cost of restructuring;</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>disposals, revaluations, write downs or impairment of non-current assets or any reversal of any write down or impairment;</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>disposals of assets associated with discontinued operations; 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>disposals of assets associated with discontinued operations;</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>to the extent not included in (a) to (d) above, any other non-cash add backs or series of non-cash add backs or other exceptional items (in the determination of the Facility Agent).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.12<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Excess Inventory</b> means the difference between the current airtime inventory of the members of the Covenant Group and the average daily cost of airtime inventory sold for the most recent month multiplied by 3.5.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.13<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Charges</b> means, for any Measurement Period, the aggregate amount of the accrued interest, commission, fees, discounts, prepayment fees, premiums or charges and other finance payments in respect of Borrowings paid or payable by any member of the Covenant Group (calculated on a consolidated basis) in cash or capitalised in respect of that Measurement Period:</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>excluding</b> any upfront fees or costs;</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>including </b>the interest (but not the capital) element of payments in respect of Finance Leases;</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>excluding</b> any payments on Operating Leases;</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>including</b> any commission, fees, discounts and other finance payments payable by (and deducting any such amounts payable to) any member of the Covenant Group under any interest rate hedging arrangement, but excluding any unrealised gains or losses under any such hedging arrangement;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and so that no amount shall be added (or deducted) more than once.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.14<font style="width: 46pt; 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 the Accounting Principles in force, be treated as a balance sheet liability, save for any Operating Lease.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.15<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Half-Year</b> means the first six months after the Accounting Reference Date of the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.16<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Year</b> means the annual accounting period of the Group ending on the Accounting Reference Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.17<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Cover</b> means the ratio of Consolidated EBITDA to Net Finance Charges in respect of any Measurement Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.18<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Leverage Ratio</b> means, in respect of any Measurement Period, the ratio of Total Debt on the last day of that Measurement Period to Consolidated EBITDA in respect of that Measurement Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.19<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Date </b>means, from the First Amendment and Restatement Date, the last day of the Financial Year and the last day of each other quarter.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.20<font style="width: 46pt; 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;">22.1.21<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Net Finance Charges</b> means, for any Measurement Period, the Finance Charges for that Measurement Period after <b>deducting: </b></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 interest accruing in respect of subordinated debt instruments, provided that such subordinated debt instruments are subordinated on terms acceptable to the Facility Agent;</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 interest payable in that Measurement Period to any member of the Covenant Group (other than by another member of the Covenant Group) on any Cash or Cash Equivalent Investment.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.22<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>New Shareholder Injections</b> means the aggregate amount subscribed for by any person (other than a member of the Covenant Group) for ordinary shares in the Borrower or for subordinated loans or other subordinated debt instruments in the Borrower, provided that such subordinated loans or other subordinated debt instruments are subordinated on terms acceptable to the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.23<font style="width: 46pt; 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 IFRS16, 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;">22.1.24<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Relevant Proceeds</b> means Disposal Proceeds or Insurance Proceeds (each as defined in Clause 8.3 (Disposal and Insurance Proceeds)).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.25<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Total Debt</b> means, at any time, the aggregate amount of all obligations of the members of the Covenant Group for or in respect of Borrowings at that time but:</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>excluding </b>any such obligations to any other member of the Covenant 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><b>excluding </b>any debt provided by the shareholders of the Borrower to the Borrower that is subordinated on terms acceptable to the Facility Agent; 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><b>including</b>, in the case of Finance Leases only, their capitalised value,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and so that no amount shall be included or excluded more than once.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.26<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction Costs</b> means any non-recurring, once-off transaction costs (including legal, advisory and other professional fees and costs, front-end fees payable under the Finance Documents and the Acquisition Documents incurred and paid for by a member of the Covenant Group in connection with the Acquisition within a period of twelve months from the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.27<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Working Capital</b> means, on any date, Current Assets less Current Liabilities.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial condition</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall ensure that:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Debt Service Cover:</b></p>
    <p style="margin-left: 76.55pt; text-align: justify;">The Obligors shall ensure that the Debt Service Cover for any Measurement Period shall not be less than the ratio set out in column 2 below opposite that Measurement Period:</p>
    <div style="margin-left: 76.55pt;">
        <table style="width: 100%; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Measurement Period<br><br></b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Ratio<br><br></b></td>
            </tr>
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>[Column 1]</b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>[Column 2]</b></td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Each Measurement Period ending before or on 31 December, 2023:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">1.20 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2024:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">1.20 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2025:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">1.20 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2026:</td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: center;">1.20 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; border-top: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter</td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border-left: 0.75pt solid #000000; text-align: center;">1.20 : 1</td>
            </tr>
        </table>
    </div>
    <br>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Interest Cover:</b></p>
    <p style="margin-left: 76.55pt; text-align: justify;">The Obligors shall ensure that the Interest Cover for any Measurement Period shall not be less than the ratio set out in column 2 below opposite that Measurement Period:</p>
    <div style="margin-left: 76.55pt;">
        <table style="width: 100%; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Measurement Period<br><br></b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Ratio<br><br></b></td>
            </tr>
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>[Column 1]</b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>[Column 2]</b></td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Each Measurement Period ending before or on 31 December, 2023:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">2.50 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2024:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">3.00 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2025:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">3.50 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2026:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">3.50 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter</td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;">3.50 : 1</td>
            </tr>
        </table>
    </div>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Leverage Ratio:</b></p>
    <p style="margin-left: 76.55pt; text-align: justify;">The Obligors shall ensure that the Leverage Ratio for any Measurement Period shall not be more than the ratio set out in column 2 below opposite that Measurement Period:</p>
    <div style="margin-left: 76.55pt;">
        <table style="width: 100%; border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; text-align: center;"><b>Measurement Period<br><br></b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-left: 0.75pt solid #000000; text-align: center;"><b>Ratio<br><br></b></td>
            </tr>
            <tr>
                <td style="width: 70%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; text-align: center;"><b>[Column 1]</b></td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; background-color: #e6e6e6; border-bottom: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;"><b>[Column 2]</b></td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Each Measurement Period ending before or on 31 December, 2023:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">3.50 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2024:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">3.25 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2025:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">2.75 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter, each Measurement Period ending before or on 31 December, 2026:</td>
                <td style="border-left: 0.75pt solid #000000; width: 23%; vertical-align: top; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">2.50 : 1</td>
            </tr>
            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Thereafter</td>
                <td style="width: 23%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border-top: 0.75pt solid #000000; border-left: 0.75pt solid #000000; text-align: center;">2.25 : 1</td>
            </tr>
        </table>
    </div>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial testing</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The financial covenants set out in Clause 22.2 (Financial condition) shall be calculated in accordance with IFRS or IFRS for SMEs (as applicable) and tested by reference to each of the financial statements delivered pursuant to Clauses 21.3.1 and 21.3 (Financial statements) and/or each Compliance Certificate delivered pursuant to Clause 21.4 (Provision and contents of Compliance Certificate).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In respect of any Measurement Period ending on a Measurement Date occurring less than 12 months after the Closing 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><b>Net Finance Charges</b> shall be calculated on a pro forma basis for the period from the beginning of that Measurement Period until the Closing Date on the basis of annualising the actual Net Finance Charges from the Closing Date until the end of that Measurement Period; 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><b>Consolidated EBITDA</b> shall be Consolidated EBITDA for the 12 month period ending on that Measurement Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Equity Cure</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</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>as at a Measurement Date, any requirement of Clauses 22.2.1, 22.2.2 or 22.2.3 is not met;</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 Compliance Certificate to be delivered pursuant to Clause 21.4 (Provision and contents of Compliance Certificate) will show, for any Measurement Period (the <b>Cure Measurement Period</b>) that there would be or is likely to be a breach of Clause 22.2 (Financial condition),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Borrower:</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>may procure the provision of New Shareholder Injections in an amount sufficient to prevent or cure the relevant breach in accordance with Clause 22.4.3 (such amount, the <b>Equity Cure Proceeds</b> and, such right, an <b>Equity Cure Right</b>); and</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>if such New Shareholder Injection is provided, shall procure that the Equity Cure Proceeds are applied in prepayment of the Term Facilities, and shall apply no less than the Equity Cure Proceeds towards a prepayment of the Term Facilities.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Equity Cure Proceeds must be provided and any Equity Cure Proceeds applied in prepayment of the Term Facilities on or prior to the date (the <b>Equity Cure Prepayment Date</b>) occurring 45 days after the date on which the Relevant Financial Undertaking was not met.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Upon receipt in cash of the Equity Cure Proceeds and the application of the Equity Cure Proceeds in accordance with Clause 22.4.1(b)(ii), the financial covenants shall be calculated for the Cure Measurement Period and the immediately succeeding three Measurement Periods such 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>for the purposes of Leverage Ratio, the amount of the Equity Cure Proceeds applied in prepayment of the Term Facilities shall be deemed to reduce the amount of Borrowings as at the Measurement Date falling at the end of the Cure Measurement Period (the <b>Cure Measurement Date</b>), and the amount of Borrowings resulting from such reduction shall be used in the calculation of the Leverage Ratio; 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>for the purposes of the Interest Cover and the Debt Service Cover, the amount of the Equity Cure Proceeds applied in prepayment of the Term Facilities shall be deemed (for this purpose only) to have been received on the first day of the Cure Measurement Period and Net Finance Charges and Debt Service shall be calculated to reflect such deemed prepayment (by excluding any Finance Charges and Debt Service in respect of the amount deemed to have been received), and Net Finance Charges and Debt Service resulting from such calculation shall be used in the calculation of the Interest Cover and the Debt Service Cover,</p>
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    <p style="margin-left: 76.55pt; text-align: justify;">in each case, making any further adjustment needed to ensure no double counting or accumulation of cure benefit, and as evidenced by delivery of the Compliance Certificate for the Cure Measurement Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.4.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If after the financial covenants in Clause 22.2 (Financial condition) are calculated, the breach has been prevented or cured, the covenants in Clause 22.2 (Financial condition) shall be deemed to have been satisfied on the Cure Measurement Date as though no breach had ever occurred and any related Default shall be deemed never to have occurred.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.4.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Equity Cure Right may not be exercised:</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 respect of two successive Measurement Periods; 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>on more than three occasions during the term of the Facilities.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">23.<font style="width: 13pt; 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 23 remain in force from the date of this Agreement for so long as any amount is outstanding under the Finance Documents or any Commitment is in force.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and shall procure that each other member of the Group will) promptly:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.1.1<font style="width: 51pt; 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;">23.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>supply certified copies to the Facility Agent of,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">any Authorisation required under any law or regulation of a Relevant Jurisdiction 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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance with laws</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and shall ensure that each member of the Group will) 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;">23.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental compliance</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and shall ensure that each 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>comply with all Environmental Laws;</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>obtain, maintain and ensure compliance with all requisite Environmental Permits; 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>implement procedures to monitor compliance with and to prevent liability under any Environmental Law,</p>
    <p style="margin-left: 76.55pt; 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;">23.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Claims</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall, promptly upon becoming aware of the same, inform the Facility Agent in writing 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 Environmental Claim against any member of the Group which is current, pending or threatened; 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 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: 76.55pt; text-align: justify;">where the claim, if determined against that member of the Group, has or is reasonably likely to have a Material Adverse Effect or would result in a financial liability for the Finance Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.5<font style="width: 33pt; 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;">23.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (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;">23.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor 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;">23.6<font style="width: 33pt; 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;">23.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and shall ensure that no 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>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;">23.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor 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="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">23.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantor coverage</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall ensure that, at all times after the Closing Date, the aggregate contribution of the Guarantors (calculated on an unconsolidated basis and excluding all intra-Group items and investments in Subsidiaries of any member of the Group) represents not less than 90.00 per cent. of the gross assets, Consolidated EBITDA and total revenue of the Group.</p>
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    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">23.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If, at any time after the date of this Agreement:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>it is demonstrated by reference to the financial statements of any Subsidiary and the consolidated financial statements of the Group that any member of the Group is a Material Subsidiary; or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a member of the Group otherwise is or becomes a Material Subsidiary,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">then, the Borrower shall, subject to Clause 21 (Information Undertakings), promptly and in any event within 10 Business Days of the delivery of those financial statements procure that that Material Subsidiary becomes an Additional Guarantor in the manner required by Clause 26.2 (Additional Guarantors).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.8<font style="width: 33pt; 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;">23.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor 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 Facility Agent under Clause 21.3 (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;">23.8.2<font style="width: 51pt; 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;">23.9<font style="width: 33pt; 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 as may be contemplated in the Acquisition Documents (in the form provided to the Facility Agent pursuant to Clause 4.1 (Initial conditions precedent)) or with the express prior consent of the Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.10<font style="width: 28pt; 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 shall procure that no substantial change is made to the general nature of its business or the business of the Group taken as a whole from that carried on Group at the Acquisition Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.11<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisitions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.11.2 no Obligor shall (and Borrower shall ensure that no 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>acquire a company or any shares or securities or a business or undertaking (or, in each case, any interest in any 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>incorporate a company.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.11.1 does not apply to an acquisition of a company, of shares, securities or a business or undertaking (or, in each case, any interest in any of them) or the incorporation of a company which is a Permitted Acquisition.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.12<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Joint ventures</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.12.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and shall ensure that no 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>enter into, invest in or acquire (or agree to acquire) any shares, stocks, securities or other interest in any Joint Venture; 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>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: 76.55pt; text-align: justify;">(a <b>Joint Venture Investment</b>) other than with the prior written consent of the Facility Agent (acting on the instructions of the Lenders).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.12.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.12.1 does not apply to any investment in any Joint Venture where:</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 Joint Venture carries on or will carry on a business similar to that undertaken by the Group as at the date of the investment;</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>no Default is continuing on the completion of the investment or would occur as a result; 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 aggregate of all Joint Venture Investments of any member or members of the Group does not exceed R50,000,000 (or its equivalent in any other currency) at any time.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.13<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Preservation of assets</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and shall ensure that each other member of the Group will) 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>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.14<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Pari passu ranking</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall ensure that at all times any unsecured and unsubordinated claims of a Finance Party against it under the Finance Documents rank at least pari passu with the claims of all its other unsecured and unsubordinated creditors except those creditors whose claims are mandatorily preferred by laws of general application to companies.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.15<font style="width: 28pt; 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;">23.15.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 23.15, <b>Quasi-Security</b> means an arrangement or transaction described in Clause 23.15.2(b).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.15.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under paragraph (c) 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>No Obligor shall (and shall ensure that no other member of the Group will) create or permit to subsist any Security over any of its assets.</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>No Obligor shall (and shall ensure that no other member of the Group will):</p>
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    <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>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: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 13.45pt; 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: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 10.72pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into or permit to subsist any title retention arrangement;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 11.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into 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: 127.6pt; text-indent: -25.55pt; text-align: justify;">(v)<font style="width: 13.89pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into any other preferential arrangement having a similar effect,</p>
    <p style="margin-left: 102.05pt; 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>Paragraphs (a) and (b) above do not apply to any Security or (as the case may be) Quasi-Security, which is Permitted Security.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.16<font style="width: 28pt; 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;">23.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.16.2, no Obligor shall (and shall ensure that no other member of the Group will) 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;">23.16.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.16.1 does not apply to any sale, lease, transfer or other disposal which is a Permitted Disposal.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.17<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Arm's length basis</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.17.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted by Clause 23.17.2, no Obligor shall (and shall ensure that no other member of the Group will) enter into any transaction with any person except on arm's length terms and for full market value.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.17.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The following transactions shall not be a breach of this Clause 23.17:</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>transactions between Obligors which are on arm's length basis;</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>intra-Group loans that constitute Permitted Loans;</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>shareholder loans that constitute Permitted Loans, provided that the repayment of any such shareholder loans must comply with Clause 23.20 (Dividends and share redemption); 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>fees, costs and expenses payable under the Finance Documents in the amounts set out in the Finance Documents delivered to the Facility Agent under Clause 4.1 (Initial conditions precedent) or agreed by the Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.18<font style="width: 28pt; 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;">23.18.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.18.2, no Obligor shall (and shall ensure that no other member of the Group will) be a creditor in respect of any Financial Indebtedness.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.18.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.18.1 does not apply to a Permitted Loan.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.19<font style="width: 28pt; 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;">23.19.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.19.2, no Obligor shall (and shall ensure that no other member of the Group will) 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;">23.19.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.20.1 does not apply to a guarantee which is a Permitted Guarantee.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.20<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Dividends and share redemption</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.20.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.20.2, the Borrower shall not (and will ensure that no 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>declare, make or pay any dividend, charge, fee or other distribution (or interest on any unpaid dividend, charge, fee or other distribution) (whether in cash or in kind) on or in respect of its share capital (or any class of its share capital);</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>repay or distribute any dividend or share premium reserve;</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>pay or allow any member of the Group to pay any management, advisory or other fee to or to the order of any of the shareholders of the Borrower; 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>redeem, repurchase, defease, retire or repay any of its share capital or resolve to do so.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.20.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.20.1 does not apply to a Permitted Distribution.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.21<font style="width: 28pt; 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;">23.21.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 23.21.2 (Financial Indebtedness), no Obligor shall (and shall ensure that no other member of the Group will) incur or allow to remain outstanding any Financial Indebtedness.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.21.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.21.1 does not apply to Financial Indebtedness which is Permitted Financial Indebtedness.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.22<font style="width: 28pt; 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;">23.22.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor shall (and shall ensure that no other member of the Group will) issue any shares.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.22.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 23.22.1 does not apply 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 issue of shares by a member of the Group to another person as part of a Permitted BEE Transaction, provided such issue does not lead to a Change of Control;</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 issue of ordinary shares pursuant to the exercise of an Equity Cure Right;</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 issue of ordinary shares by the Borrower to Lesaka where such shares become the subject of Transaction Security for the benefit of the Finance Parties;</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 issue of ordinary shares by a member of the Group to another member of the Group which is a shareholder in it prior to that issue where, if any shares in the company issuing those shares are the subject of Transaction Security, such shares become the subject of an equivalent Security for the benefit of the Finance Parties on the same terms;</p>
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    <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 issue of redeemable preference shares by any member of the Group pursuant to a Refinancing.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.23<font style="width: 28pt; 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;">23.23.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 23.23, a prudent owner means a prudent owner and operator of any business and of any assets of a type and size, similar to those owned and operated by any member of the Group in a similar location.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.23.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor 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>maintain insurances on and in relation to its business and assets against those risks and to the extent that a prudent owner would;</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 that all insurances are placed with reputable independent insurance companies or underwriters;</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>ensure that it is free to cede by way of security all amounts payable to it under each of its Insurances and all its rights in connection with those amounts in favour of the Finance Parties;</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>promptly pay (or procure payment of) all premiums and do anything which is necessary to keep each of its Insurances in full force and effect;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>not do or allow anything to be done which may (and promptly notify the Facility Agent of any event or circumstance which does or is reasonably likely to) entitle any insurer of any of its Insurances to repudiate, rescind or cancel it or to treat it as avoided in whole or in part or otherwise decline any valid claim under it by or on behalf of any member of the Group; and</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>ensure that the Facility Agent is named as loss payee under all Insurances maintained with effect from the date on which notice is given to the relevant insurer by or on behalf of the Facility Agent of the occurrence of an Event of Default and until that insurer is notified by or on behalf of the Facility Agent that such Event of Default has ceased to be continuing. Each Obligor shall (and shall ensure that each other member of the Group will) 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.24<font style="width: 28pt; 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 Facility Agent 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 Facility Agent reasonably suspects a Default is continuing or may occur) permit the Facility Agent and/or accountants or other professional advisers and contractors of the Facility Agent free access at all reasonable times and on reasonable notice at the risk and cost of the Obligor to (a) the premises, assets, books, accounts and records of each member of the Group and (b) meet and discuss matters with senior management of the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.25<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Intellectual Property</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.25.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and shall procure that each 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>preserve and maintain the subsistence and validity of the Intellectual Property necessary for the business of the relevant Group member;</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>use reasonable endeavours to prevent any infringement in any material respect of the Intellectual Property;</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>make registrations and pay all registration fees and taxes necessary to maintain the Intellectual Property in full force and effect and record its interest in that Intellectual Property;</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>not use or permit the Intellectual Property to be used in a way or take any step or omit to take any step in respect of that Intellectual Property which may materially and adversely affect the existence or value of the Intellectual Property or imperil the right of any member of the Group to use such property; and</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>not discontinue the use of the Intellectual Property,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">where failure to do so, in the case of paragraphs (a) and (b) above, or, in the case of paragraphs (d) and (e) above, such use, permission to use, omission or discontinuation, is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.26<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial assistance</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall (and shall procure each other member of the Group will) comply in all respects with sections 44 and 45 of the Companies Act, 2008 and any equivalent legislation in other jurisdictions including in relation to the execution of the Transaction Security Documents and payment of amounts due under this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.27<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Treasury Transactions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and will procure that no other member of the Group will) enter into any Treasury Transaction, other than:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.27.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>spot and forward delivery foreign exchange contracts entered into in the ordinary course of business and not for investment or speculative purposes;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.27.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Treasury Transaction entered into for the hedging of actual or projected real exposures arising in the ordinary course of trading activities of a member of the Group for a period of not more than 12 months and not for speculative purposes.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.28<font style="width: 28pt; 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;">23.28.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and shall procure that each other member of the Group will) promptly do all such acts or execute all such documents (including assignments, transfers, mortgages, charges, notices and instructions) as the Facility Agent may reasonably specify (and in such form as the Facility Agent may reasonably require in favour of the Finance Parties or their respective nominee(s)):</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>to perfect the Security created or intended to be created under or evidenced by the Transaction 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 Finance Parties 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: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>to confer on the Finance Parties Security over any property and assets of that Obligor located in any jurisdiction equivalent or similar to the Security intended to be conferred by or pursuant to the Transaction Security Documents; and/or</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>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;">23.28.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (and shall procure that each other member of the Group will) take all such action as is available to it (including making all filings and registrations) as may be necessary for the purpose of the creation, perfection, protection or maintenance of any Security conferred or intended to be conferred on the Finance Parties by or pursuant to the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.29<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisition Documents</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.29.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall not amend, vary or terminate the Acquisition Documents on or before the Acquisition Date without the express prior consent of the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.29.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>After the Acquisition Date, the Borrower shall not amend, vary or terminate the Acquisition Documents in a manner which could reasonably be expected to be materially adverse to the Finance Parties without the express prior consent of the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.29.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 23.29.2, the Borrower shall promptly supply to the Facility Agent, the details and copies of any amendments made or proposed to be made to the Acquisition Documents and any proposed or actual termination of the Acquisition Documents.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">24.<font style="width: 13pt; 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 this Clause 24 is an Event of Default (save for Clause 24.17 (Acceleration) and Clause 24.18 (Clean-Up Period)).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-payment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">An Obligor or any other Security Provider does not pay on the due date any amount payable pursuant to a Finance Document at the place at and in the currency in which it is expressed to be payable unless its failure to pay is caused by:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>administrative or technical error; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Disruption Event,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">and 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;">24.2<font style="width: 33pt; 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;">24.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any requirement of Clause 22 (Financial covenants) is not satisfied and is not cured in accordance with Clause 22.4 (Equity Cure), or an Obligor does not comply with the provisions of Clause 21 (Information Undertakings) or Clause 23 (General Undertakings)</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor or any other Security Provider does not comply with any provision of any Transaction Security Document.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.3<font style="width: 33pt; 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;">24.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor or any other Security Provider does not comply with any provision of the Finance Documents (other than those referred to in Clause 24.1 (Non-payment) and Clause 24.2 (Financial covenants and other obligations)).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default under Clause 24.3.1 will occur if the failure to comply is capable of remedy and is remedied within seven Business Days of the earlier of (i) the Facility Agent giving notice to the Obligors and (ii) the Obligors or the relevant Security Provider becoming aware of the failure to comply.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.4<font style="width: 33pt; 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 or any other Security Provider in the Finance Documents or any other document delivered by or on behalf of any Obligor or any other Security Provider 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;">24.5<font style="width: 33pt; 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;">24.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Financial Indebtedness of any member of the Group, any Obligor, any other Security Provider or any other member of the Group is not paid when due nor within any originally applicable grace period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Financial Indebtedness of any member of the Group, any Obligor or any Security Provider is declared to be or otherwise becomes due and payable prior to its specified maturity as a result of an event of default (however described).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any commitment for any Financial Indebtedness of any member of the Group, any Obligor or any Security Provider is cancelled or suspended by a creditor of any member of the Group, Obligor or Security Provider as a result of an event of default (however described).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any creditor of any member of the Group, any Obligor or any other Security Provider becomes entitled to declare any Financial Indebtedness of any member of the Group, any Obligor or any other Security Provider due and payable prior to its specified maturity as a result of an event of default (however described).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default will occur under this Clause 24.5 if the aggregate amount of Financial Indebtedness or commitment for Financial Indebtedness falling within Clauses 24.5.1 to 24.5.4 is less than ZAR5,000,000 (or its equivalent in any other currency or currencies).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.6<font style="width: 33pt; 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;">24.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A member of the Group, any Obligor or any other Security Provider:</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 any Finance Party in its capacity as such) with a view to rescheduling any of its indebtedness.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Obligors or any other Security Provider is or is deemed by any authority or legislation to be Financially Distressed (as defined in the Companies Act, 2008).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The value of the assets of any member of the Group, any Obligor or any other Security Provider 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;">24.6.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A moratorium is declared in respect of any indebtedness of any member of the Group, any Obligor or any other Security Provider.&#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;">24.7<font style="width: 33pt; 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;">24.7.1<font style="width: 51pt; 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 managements, business rescue or reorganisation (by way of voluntary arrangement, scheme of arrangement or otherwise) of any member of the Group, any Obligor or any other Security Provider;</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 composition, compromise, assignment or arrangement with any creditor of any member of the Group, any Obligor or any other Security Provider;</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, administrative receiver, administrator, compulsory manager, judicial manager, business rescue practitioner or other similar officer in respect of any member of the Group, any Obligor any Security Provider or any of their 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 Group, any Obligor or any other Security Provider,</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;">24.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A meeting is proposed or convened by the directors of any member of the Group, any Obligor or any other Security Provider, 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 any member of the Group, any Obligor or any other Security Provider 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;">24.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clauses 24.7.1 and 24.7.2 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;">24.8<font style="width: 33pt; 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, 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 Group, any Obligor or any Security Provider and is not discharged within 14 days.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.9<font style="width: 33pt; 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;">24.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is or becomes unlawful for an Obligor or any other Security Provider to perform any of its obligations under the Finance Documents or any Transaction Security created or expressed to be created or evidenced by the Transaction Security Documents ceases to be effective or any subordination created under the Subordination Agreement is or becomes unlawful.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any obligation or obligations of any Obligor or any other Security Provider 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 Lenders under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.9.3<font style="width: 51pt; 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 a Finance Party) to be ineffective.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.10<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessation of business</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any member of the Group, any Obligor or any other Security Provider 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;">24.11<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Audit qualification</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Auditors qualify the audited annual consolidated financial statements of the Group.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.12<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Expropriation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The authority or ability of any member of the Group, any Obligor or any Security Provider to conduct its business is limited or 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 in relation to any member of the Group, any Obligor or any Security Provider or any of their assets.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.13<font style="width: 28pt; 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 Security Provider (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;">24.14<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Litigation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any litigation, arbitration or administrative proceedings or investigations of, or before, any court, arbitral body or agency are started or threatened, or any judgment or order of a court, arbitral body or agency is made, in relation to the Finance Documents or the transactions contemplated in the Finance Documents or against any member of the Group, any Obligor or any Security Provider or their assets which have, or has, or are, or is, reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.15<font style="width: 28pt; 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 Lenders reasonably believe 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;">24.16<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Conditions Subsequent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The relevant Obligor fails to provide a power of attorney in favour of attorneys Webber Wentzel to pass and register each of those general notarial bonds at the applicable Deeds Registry referred to in Schedule 9 (Transaction Security) and the registration of such notarial bond within 20 Business Days of the Closing Date.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.17<font style="width: 28pt; 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 Facility Agent may, and shall if so directed by the Lenders:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.17.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>by notice to the Borrower:</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>cancel the Total Commitments at which time they shall immediately be cancelled;</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>declare that all or part of the 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; 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 Facility Agent on the instructions of the Lenders; and/or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.17.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>exercise or direct the Facility Agent to exercise any or all of its rights, remedies, powers or discretions under the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.18<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Clean-Up Period</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.18.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding any other provision of any Finance Document:</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>any breach by a member of the Target Group of a representation under Clause 20 (Representations);</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 breach by a member of the Target Group of an undertaking given by the Target Group under Clause 23 (General Undertakings); 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 Event of Default by a member of the Target Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">will be deemed not to be a breach of representation or warranty, a breach of that undertaking or an Event of Default (as the case may be) if:</p>
    <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>it would have been (if it were not for this provision) a breach of representation or warranty, a breach of undertaking or an Event of Default only by reason of circumstances relating exclusively to that member of the Target Group (or any obligation to procure or ensure in relation to a member of the Target Group);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(ii)<font style="width: 13.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>it does not relate to an Excluded Representation or an Excluded Event of Default;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(iii)<font style="width: 10.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>it is capable of remedy and reasonable steps are being taken to remedy it;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(iv)<font style="width: 11.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>it occurs and is remedied within 4 months of the Acquisition Date (the <b>Clean-up Date</b>);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(v)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the circumstances giving rise to it have not been procured by or approved by any Original Obligor;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(vi)<font style="width: 11.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>it does not prevent the granting of security over the Target Assets; and</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(vii)<font style="width: 9.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>it is not reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.18.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the relevant circumstances are continuing on or after the Clean-up Date, there shall be a breach of representation or warranty, breach of covenant or Event of Default, as the case may be notwithstanding the above (and without prejudice to the rights and remedies of the Finance Parties).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.18.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 24.18:</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Excluded Event of Default</b> means an Event of Default under Clause 24.1 (Non-payment), Clause 24.4 (Misrepresentation) (but only in so far as it relates to an Excluded Representation); and</p>
    <p style="margin-left: 76.55pt; text-align: justify;"><b>Excluded Representation</b> means a representation made under Clause 20.1 (Status), Clause 20.4 (Power and authority), Clause 20.2 (Binding obligations), Clause 20.3 (Non-conflict with other obligations), Clause 20.5 (Validity and admissibility in evidence) and Clause 20.19 (Security and Financial Indebtedness).</p>
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    <p style="text-align: center;"><b>SECTION 9</b><br><b>CHANGES TO THE PARTIES</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">25.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE LENDERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cession and delegation by the Lenders</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to this Clause 25, a Lender (the <b>Existing Lender</b>) may cede and/or delegate (a <b>Transfer</b>) any or all of its rights and/or obligations under this Agreement and/or under any Finance Document to another bank or financial institution or to a trust, fund or other entity which is regularly engaged in or established for the purpose of making, purchasing or investing in loans, securities or other financial assets (the <b>New Lender</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor consents to any splitting of claims which may arise as a result of a Transfer permitted by this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligor consent</b></p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">25.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The consent of the Obligors is not required for a Transfer by an Existing Lender if:</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender is another Lender or an Affiliate of a Lender;</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender is a person identified in Schedule 10 (Acceptable Lenders); or</p>
    <p style="text-align: justify; margin-left: 102.05pt; text-indent: -25.5pt;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>an Event of Default is continuing.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Except as detailed above, the express consent of the Obligors is required for a Transfer to a prospective New Lender.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">25.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where the consent of the Obligors to a Transfer is required under Clause 25.2.1 above, that consent must not be unreasonably withheld or delayed.&#160; The Obligors will be deemed to have given its consent 10 Business Days after the Existing Lender has requested it, unless consent is expressly refused by the Obligors within that time.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other conditions of transfer</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Transfer will only be effective if there is compliance with the procedure set out in Clause 25.5 (Procedure for transfer).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If:</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 Lender Transfers any of its rights or obligations under the Finance Documents; 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>as a result of circumstances existing at the date the Transfer or change occurs, an Obligor would be obliged to make a payment to the New Lender under Clause 15 (Increased Costs),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">then the New Lender only entitled to receive payment under that Clause to the same extent as the Existing Lender would have been if the Transfer or change had not occurred.&#160;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each New Lender, by executing the relevant Transfer Certificate, confirms, for the avoidance of doubt, that the Facility Agent has authority to execute on its behalf any amendment or waiver that has been approved by or on behalf of the requisite Lender or Lenders in accordance with this Agreement on or prior to the date on which the Transfer becomes effective in accordance with this Agreement and that it is bound by that decision to the same extent as the Existing Lender would have been had it remained a Lender.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitation of responsibility of Existing Lenders</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless expressly agreed to the contrary, an 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, the Transaction Security 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 or any Security Provider;</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 any Obligor, any other member of the Group, or any other Security Provider 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;">25.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each New Lender confirms to the Existing Lender and the other Finance Parties that it:</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>has made (and shall continue to make) its own independent investigation and assessment of the financial condition and affairs of each Obligor and its related entities in connection with its participation in this Agreement and has not relied exclusively on any information provided to it by the Existing Lender or any other Finance Party in connection with any Finance Document or the Transaction Security; and</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>will continue to make its own independent appraisal of the creditworthiness of each Obligor and its related entities 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;">25.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Nothing in any Finance Document obliges an Existing Lender to:</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>accept a re-transfer from a New Lender of any of the rights and obligations Transferred under this Clause 25; or</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>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;">25.5<font style="width: 33pt; 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;">25.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the conditions set out in Clause 25.2 (Obligor consent) and Clause 25.3 (Other conditions of transfer) a Transfer is effected in accordance with Clause 25.5.3 when the Facility Agent executes an otherwise duly completed Transfer Certificate delivered to it by the Existing Lender and the New Lender.&#160; The Facility Agent shall, subject to Clause 25.5.2, as soon as reasonably practicable after receipt by it of a duly completed Transfer Certificate appearing on its face to comply with the terms of this Agreement and delivered in accordance with the terms of this Agreement, execute that Transfer Certificate.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall only be obliged to execute a Transfer Certificate delivered to it by the Existing Lender and the New Lender once it is satisfied it has complied with all necessary "know your customer" or other similar checks under all applicable laws and regulations in relation to the transfer to such New Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">25.5.3<font style="width: 51pt; 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&#160; rights and/or obligations which are the subject of the Transfer shall be ceded and delegated by the Existing Lender to the new Lender (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>each Obligor shall perform their obligations and exercise their rights in relation to the Transferred Rights and Obligations in favour of or against the New Lender, as the case may be;</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 Facility Agent, the Arranger, the New Lender and the other Lenders shall acquire the same rights and assume the same obligations between themselves and in respect of the Transaction Security as they would have acquired and assumed had the New Lender been an Original Term Lender with the rights, and/or obligations comprising the Transferred Rights and Obligations; 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>the Facility Agent, the Arranger and the Existing Lender shall be released from further obligations to each other, and the Existing Lender shall be released from further obligations to each other Lender under the Finance Documents to the extent of the Transferred Rights and Obligations; and</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 New Lender shall become a Party as a "Lender".</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">25.6<font style="width: 33pt; 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 Facility Agent shall, as soon as reasonably practicable after it has executed a Transfer Certificate, send to the Borrower a copy of that Transfer Certificate.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">26.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE OBLIGORS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessions and delegations by Obligors</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor nor any other Security Provider may cede any of its rights or delegate any of its rights or obligations under the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional Guarantors</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to compliance with the provisions of Clauses 21.11.3 and 21.11.4 "Know your customer" checks), the Borrower may request that any of its Subsidiaries become a Guarantor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A member of the Group shall become an Additional Guarantor if:</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 Borrower and the proposed Additional Guarantor deliver to the Facility Agent a duly completed and executed Accession Letter; 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>the Facility Agent has received all of the documents and other evidence listed in Part II of Schedule 2 (Conditions Precedent) in relation to that Additional Guarantor, each in form and substance satisfactory to the Facility Agent.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall notify the Borrower and the Lenders promptly upon being satisfied that it has received (in form and substance satisfactory to it) all the documents and other evidence listed in Part II of Schedule 2 (Conditions Precedent).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Other than to the extent that the Lenders notify the Facility Agent in writing to the contrary before the Facility Agent gives the notification described in Clause 26.2.3, the Lenders authorise (but do not require) the Facility Agent to give that notification.&#160; The Facility Agent shall not be liable for any damages, costs or losses whatsoever as a result of giving any such notification.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repetition of Representations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Delivery of an Accession Letter constitutes confirmation by the relevant Subsidiary that the representations and warranties referred to in Clause 20.28 (Times when representations made) are true and correct in relation to it as at the date of delivery as if made by reference to the facts and circumstances then existing.</p>
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    <p style="text-align: center;"><b>SECTION 10</b><br><b>THE FINANCE PARTIES</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">27.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>ROLE OF THE FACILITY AGENT, THE ARRANGER AND OTHERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Appointment of the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each of the Arranger and the Lenders appoints the Facility Agent to act as its agent under and in connection with the Finance Documents (other than, in respect of the GBF Lender only, in connection with the day-to-day administration of the GBF Documents).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each of the Arranger and the Lenders authorises the Facility Agent to perform the duties, obligations and responsibilities and to exercise the rights, powers, authorities and discretions specifically given to the Facility Agent under or in connection with the Finance Documents together with any other incidental rights, powers, authorities and discretions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Instructions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent 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>unless a contrary indication appears in a Finance Document, exercise or refrain from exercising any right, power, authority or discretion vested in it as Facility Agent in accordance with any instructions given to it by the Lenders;</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>not be liable for any act (or omission) if it acts (or refrains from acting) in accordance with paragraph (a) above.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall be entitled to request instructions, or clarification of any instruction, from the Lenders (or, if the relevant Finance Document stipulates the matter is a decision for any other Lender or group of Lenders, from that Lender or group of Lenders) as to whether, and in what manner, it should exercise or refrain from exercising any right, power, authority or discretion and the Facility Agent may refrain from acting unless and until it receives any such instructions or clarification that it has requested.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Save in the case of decisions stipulated to be a matter for any other Lender or group of Lenders under the relevant Finance Document and unless a contrary indication appears in a Finance Document, any instructions given to the Facility Agent by the Lenders shall override any conflicting instructions given by any other Parties and will be binding on all Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may refrain from acting in accordance with any instructions of any Lender or group of Lenders until it has received any indemnification and/or security that it may in its discretion require (which may be greater in extent than that contained in the Finance Documents and which may include payment in advance) for any cost, loss or liability which it may incur in complying with those instructions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>In the absence of instructions, the Facility Agent may act (or refrain from acting) as it considers to be in the best interest of the Lenders.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.2.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent is not authorised to act on behalf of a Lender (without first obtaining that Lender's consent) in any legal or arbitration proceedings relating to any Finance Document.&#160; This Clause 27.2.6 shall not apply to any legal or arbitration proceeding relating to the perfection, preservation or protection of rights under the Transaction Security Documents or enforcement of the Transaction Security or Transaction Security Documents.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Duties of the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent's duties under the Finance Documents are solely mechanical and administrative in nature.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 27.3.3, the Facility Agent shall promptly forward to a Party the original or a copy of any document which is delivered to the Facility Agent for that Party by any other Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to Clause 25.6 (Copy of Transfer Certificate to ), Clause 27.3.2 shall not apply to any Transfer Certificate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except where a Finance Document specifically provides otherwise, the Facility Agent is not obliged to review or check the adequacy, accuracy or completeness of any document it forwards to another Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent receives notice from a Party referring to this Agreement, describing a Default and stating that the circumstance described is a Default, it shall promptly notify the other Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent is aware of the non-payment of any principal, interest, commitment fee or other fee payable to a Finance Party (other than the Facility Agent or the Arranger) under this Agreement, it shall promptly notify the other Finance Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.3.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall have only those duties, obligations and responsibilities expressly specified in the Finance Documents to which it is expressed to be a party (and no others shall be implied).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Role of the Arranger</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as specifically provided in the Finance Documents, the Arranger has no obligations of any kind to any other Party under or in connection with any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No fiduciary duties</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Nothing in any Finance Document constitutes the Facility Agent or the Arranger as a trustee or fiduciary of any other person.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>None of the Facility Agent or the Arranger shall be bound to account to any Lender for any sum or the profit element of any sum received by it for its own account.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business with the Group and Security Providers</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent and the Arranger may accept deposits from, lend money to and generally engage in any kind of banking or other business with any member of the Group, any Obligor and any Security Provider.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.7<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Rights and discretions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may:</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>rely on any representation, communication, notice or document believed by it to be genuine, correct and appropriately authorised;</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>assume that:</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>any instructions received by it from the Lenders, any Lenders or any group of Lenders are duly given in accordance with the terms of the Finance Documents; and</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>unless it has received notice of revocation, that those instructions have not been revoked; 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>rely on a certificate from any person:</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>as to any matter of fact or circumstance which might reasonably be expected to be within the knowledge of that person; or</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>to the effect that such person approves of any particular dealing, transaction, step, action or thing,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">as sufficient evidence that that is the case and, in the case of paragraph (i) above, may assume the truth and accuracy of that certificate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may assume (unless it has received notice to the contrary in its capacity as agent for the Lenders) 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>no Default has occurred (unless it has actual knowledge of a Default arising under Clause 24.1 (Non-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>any right, power, authority or discretion vested in any Party or any group of Lenders has not been exercised; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may engage and pay for the advice or services of any lawyers, accountants, tax advisers, surveyors or other professional advisers or experts.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to the generality of Clause 27.7.3 or Clause 27.7.5, the Facility Agent may at any time engage and pay for the services of any lawyers to act as independent counsel to the Facility Agent (and so separate from any lawyers instructed by the Lenders) if the Facility Agent in its reasonable opinion deems this to be desirable.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may rely on the advice or services of any lawyers, accountants, tax advisers, surveyors or other professional advisers or experts (whether obtained by the Facility Agent or by any other Party) and shall not be liable for any damages, costs or losses to any person, any diminution in value or any liability whatsoever arising as a result of its so relying.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may act in relation to the Finance Documents through its officers, employees and agents and the Facility Agent shall not:</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>be liable for any error of judgment made by any such person; or</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>be bound to supervise, or be in any way responsible for, any loss incurred by reason of misconduct, omission or default on the part of any such person,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">unless such error or such loss was directly caused by the Facility Agent's gross negligence or wilful misconduct.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.7<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a Finance Document expressly provides otherwise the Facility Agent may disclose to any other Party any information it reasonably believes it has received as agent under this Agreement.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.8<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding any other provision of any Finance Document to the contrary, neither the Facility Agent nor the Arranger is obliged to do or omit to do anything if it would, or might in its reasonable opinion, constitute a breach of any law or regulation or a breach of a fiduciary duty or duty of confidentiality.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.7.9<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding any provision of any Finance Document to the contrary, the Facility Agent is not obliged to expend or risk its own funds or otherwise incur any financial liability in the performance of its duties, obligations or responsibilities or the exercise of any right, power, authority or discretion if it has grounds for believing the repayment of such funds or adequate indemnity against, or security for, such risk or liability is not reasonably assured to it.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.8<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Responsibility for documentation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>None of the Facility Agent or the Arranger is responsible or liable for:</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 adequacy, accuracy or completeness of any information (whether oral or written) supplied by the Facility Agent, the Arranger, an Obligor or any other Security Provider or any other person in or in connection with any Finance Document or the transactions contemplated in the Finance Documents or any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with any Finance Document; or</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>the legality, validity, effectiveness, adequacy or enforceability of any Finance Document or the Transaction Security or any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with any Finance Document or the Transaction Security; 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 determination as to whether any information provided or to be provided to any Finance Party is non-public information the use of which may be regulated or prohibited by applicable law or regulation relating to insider dealing or otherwise.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.9<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No duty to monitor</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall not be bound to enquire:</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>whether or not any Default has occurred;</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>as to the performance, default or any breach by any Party of its obligations under any Finance Document; 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>whether any other event specified in any Finance Document has occurred.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.10<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Exclusion of liability</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.10.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without limiting Clause 27.10.2 (and without prejudice to any other provision of any Finance Document excluding or limiting the liability of the Facility Agent,&#160; the Facility Agent, will not be liable 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>any damages, costs or losses to any person, any diminution in value, or any liability whatsoever arising as a result of taking or not taking any action under or in connection with any Finance Document or the Transaction Security, unless directly caused by its gross negligence or wilful misconduct;</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>exercising, or not exercising, any right, power, authority or discretion given to it by, or in connection with, any Finance Document, the Transaction Security or any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with, any Finance Document or the Transaction Security; or</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>without prejudice to the generality of paragraphs (a) and (b) above, any damages, costs or losses to any person, any diminution in value or any liability whatsoever arising as a result of:</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>any act, event or circumstance not reasonably within its control; or</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>the general risks of investment in, or the holding of assets in, any jurisdiction,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">including (in each case and without limitation) such damages, costs, losses, diminution in value or liability arising as a result of:&#160; nationalisation, expropriation or other governmental actions; any regulation, currency restriction, devaluation or fluctuation; market conditions affecting the execution or settlement of transactions or the value of assets (including any Disruption Event); breakdown, failure or malfunction of any third party transport, telecommunications, computer services or systems; natural disasters or acts of God; war, terrorism, insurrection or revolution; or strikes or industrial action.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.10.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Party (other than the Facility Agent) may take any proceedings against any officer, employee or agent of the Facility Agent, in respect of any claim it might have against the Facility Agent or in respect of any act or omission of any kind by that officer, employee or agent in relation to any Finance Document and any officer, employee or agent of the Facility Agent may rely on this Clause, subject to Clause 1.3 (Third party rights).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.10.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent will not be liable for any delay (or any related consequences) in crediting an account with an amount required under the Finance Documents to be paid by the Facility Agent if the Facility Agent has taken all necessary steps as soon as reasonably practicable to comply with the regulations or operating procedures of any recognised clearing or settlement system used by the Facility Agent for that purpose.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.10.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Nothing in this Agreement shall oblige the Facility Agent or the Arranger to carry out:</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>any "know your customer" or other checks in relation to any person; or</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 check on the extent to which any transaction contemplated by this Agreement might be unlawful for any Lender or for any Affiliate of any Lender,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">on behalf of any Lender and each Lender confirms to the Facility Agent and the Arranger that it is solely responsible for any such checks it is required to carry out and that it may not rely on any statement in relation to such checks made by the Facility Agent or the Arranger.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.10.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to any provision of any Finance Document excluding or limiting the Facility Agent's liability, any liability of the Facility Agent arising under or in connection with any Finance Document or the Transaction Security shall be limited to the amount of actual loss which has been finally judicially determined to have been suffered (as determined by reference to the date of default of the Facility Agent or, if later, the date on which the loss arises as a result of such default) but without reference to any special conditions or circumstances known to the Facility Agent at any time which increase the amount of that loss.&#160; In no event shall the Facility Agent be liable for any loss of profits, goodwill, reputation, business opportunity or anticipated saving, or for special, punitive, indirect or consequential damages, whether or not the Facility Agent has been advised of the possibility of such loss or damages.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.11<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lenders' indemnity to the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.11.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Lender shall (in proportion to its share of the Total Commitments or, if the Total Commitments are then zero, to its share of the Total Commitments immediately prior to their reduction to zero) indemnify the Facility Agent, within three Business Days of demand, against any cost, loss or liability incurred by the Facility Agent (otherwise than by reason of the Facility Agent's gross negligence or wilful misconduct) in acting as Facility Agent under the Finance Documents (unless the Facility Agent has been reimbursed by an Obligor pursuant to a Finance Document).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.11.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause &#8206;27.11.3, the Borrower shall immediately on demand reimburse any Lender for any payment that Lender makes to the Facility Agent pursuant to Clause &#8206;27.11.1.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.11.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause &#8206;27.11.2 shall not apply to the extent that the indemnity payment in respect of which the Lender claims reimbursement relates to a liability of the Facility Agent to an Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.12<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Resignation of the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may resign and appoint one of its Affiliates acting through an office in South Africa as successor by giving notice to the Lenders and the Borrower.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Alternatively the Facility Agent may resign by giving 30 days' notice to the Lenders and the Borrower, in which case the Lenders (after consultation with the Borrower) may appoint a successor Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Lenders have not appointed a successor Facility Agent in accordance with Clause 27.12.2 within 20 days after notice of resignation was given, the retiring Facility Agent (after consultation with the Borrower) may appoint a successor Facility Agent (acting through an office in South Africa).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The retiring Facility Agent shall, at its own cost, make available to the successor Facility Agent such documents and records and provide such assistance as the successor Facility Agent may reasonably request for the purposes of performing its functions as Facility Agent under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.5<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent's resignation notice shall only take effect upon the appointment of a successor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.6<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Upon the appointment of a successor, the retiring Facility Agent shall be discharged from any further obligation in respect of the Finance Documents (other than its obligations under Clause 27.12.4 above) but shall remain entitled to the benefit of Clause 16.3 (Indemnity to the Facility Agent) and this Clause 27 (and any agency fees for the account of the retiring Facility Agent shall cease to accrue from (and shall be payable on) that date).&#160; Any successor and each of the other Parties shall have the same rights and obligations amongst themselves as they would have had if such successor had been an original Party.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.12.7<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall resign in accordance with Clause 27.12.2 (and, to the extent applicable, shall use reasonable endeavours to appoint a successor Facility Agent pursuant to Clause 27.12.3) if on or after the date which is three months before the earliest FATCA Application Date relating to any payment to the Facility Agent under the Finance Documents, either:</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>the Facility Agent fails to respond to a request under Clause 14.7 (FATCA information) and the Borrower or a Lender reasonably believes that the Facility Agent will not be (or will have ceased to be) a FATCA Exempt Party on or after that FATCA Application Date;</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 information supplied by the Facility Agent pursuant to Clause 14.7 (FATCA information) indicates that the Facility Agent will not be (or will have ceased to be) a FATCA Exempt Party on or after that FATCA Application Date; 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 Facility Agent notifies the Borrower and the Lenders that the Facility Agent will not be (or will have ceased to be) a FATCA Exempt Party on or after that FATCA Application Date;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and (in each case) the Borrower or a Lender reasonably believes that a Party will be required to make a FATCA Deduction that would not be required if the Facility Agent were a FATCA Exempt Party, and the Borrower or that Lender, by notice to the Facility Agent, requires it to resign.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.13<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Replacement of the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.13.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>After consultation with the Borrower, the Lenders may, by giving 30 days' notice to the Facility Agent replace the Facility Agent by appointing a successor Facility Agent (acting through an office in South Africa).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.13.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The retiring Facility Agent shall (at the expense of the Lenders) make available to the successor Facility Agent such documents and records and provide such assistance as the successor Facility Agent may reasonably request for the purposes of performing its functions as Facility Agent under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.13.3<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The appointment of the successor Facility Agent shall take effect on the date specified in the notice from the Lenders to the retiring Facility Agent.&#160; As from this date, the retiring Facility Agent shall be discharged from any further obligation in respect of the Finance Documents (other than its obligations under Clause 27.13.2) but shall remain entitled to the benefit of Clause 16.3 (Indemnity to the Facility Agent) and this Clause 27 (and any agency fees for the account of the retiring Facility Agent shall cease to accrue from (and shall be payable on) that date).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.13.4<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any successor Facility Agent and each of the other Parties shall have the same rights and obligations amongst themselves as they would have had if such successor had been an original Party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.14<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.14.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>In acting as agent for the Finance Parties, the Facility Agent shall be regarded as acting through its agency division which shall be treated as a separate entity from any other of its divisions or departments.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.14.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>If information is received by another division or department of the Facility Agent, it may be treated as confidential to that division or department and the Facility Agent shall not be deemed to have notice of it.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.15<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Relationship with the Lenders</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.15.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may treat the person shown in its records as Lender at the opening of business (in the place of the Facility Agent's principal office as notified to the Finance Parties from time to time) as 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>entitled to or liable for any payment due under any Finance Document on that day; 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>entitled to receive and act upon any notice, request, document or communication or make any decision or determination under any Finance Document made or delivered on that day,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">unless it has received not less than five Business Days' prior notice from that Lender to the contrary in accordance with the terms of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.15.2<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Lender may by notice to the Facility Agent appoint a person to receive on its behalf all notices, communications, information and documents to be made or despatched to that Lender under the Finance Documents.&#160; Such notice shall contain the address and electronic mail address and/or any other information required to enable the transmission of information by that means (and, in each case, the department or officer, if any, for whose attention communication is to be made) and be treated as a notification of a substitute address, electronic mail address (or such other information), department and officer by that Lender for the purposes of Clause 32.2 (Addresses) and the Facility Agent shall be entitled to treat such person as the person entitled to receive all such notices, communications, information and documents as though that person were that Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.16<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Credit appraisal by the Lenders </b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">27.16.1<font style="width: 46pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without affecting the responsibility of any Obligor for information supplied by it or on its behalf in connection with any Finance Document, each Lender confirms to the Facility Agent and the Arranger that it has been, and will continue to be, solely responsible for making its own independent appraisal and investigation of all risks arising under or in connection with any Finance Document including but not limited 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 financial condition, status and nature of each member of the Group, each Obligor and each Security Provider;</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 legality, validity, effectiveness, adequacy or enforceability of any Finance Document, the Transaction Security and any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with any Finance Document or the Transaction Security;</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>whether that Lender has recourse, and the nature and extent of that recourse, against any Party or any of its respective assets under or in connection with any Finance Document, the Transaction Security, the transactions contemplated by the Finance Documents or any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with any Finance Document or the Transaction Security;</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 adequacy, accuracy or completeness of any other information provided by the Facility Agent, any Party or by any other person under or in connection with any Finance Document, the transactions contemplated by any Finance Document or any other agreement, arrangement or document entered into, made or executed in anticipation of, under or in connection with any Finance Document; and</p>
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    <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 right or title of any person in or to, or the value or sufficiency of any part of the Secured Property, the priority of any of the Transaction Security or the existence of any Security affecting the Secured Property.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.17<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Agent's management time</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">At any time following a cession and delegation by the Original Lender in accordance with Clause 25.1 (Cession and delegation by the Lenders) and provided that an Event of Default is then continuing, any amount payable to the Facility Agent under Clause 16.3 (Indemnity to the Facility Agent), Clause 18 (Costs and expenses) and Clause 27.11 (Lenders' indemnity to the Facility Agent) shall include the cost of utilising the Facility Agent's management time or other resources and will be calculated on the basis of such reasonable daily or hourly rates as the Facility Agent may notify to the Borrower and the Lenders, and is in addition to any fee paid or payable to the Facility Agent under Clause 13 (Fees).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.18<font style="width: 28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deduction from amounts payable by the Facility Agent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any Party owes an amount to the Facility Agent under the Finance Documents the Facility Agent may, after giving notice to that Party, deduct an amount not exceeding that amount from any payment to that Party which the Facility Agent would otherwise be obliged to make under the Finance Documents and apply the amount deducted in or towards satisfaction of the amount owed.&#160; For the purposes of the Finance Documents that Party shall be regarded as having received any amount so deducted.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">28.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONDUCT OF BUSINESS BY THE FINANCE PARTIES</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">No provision of this Agreement will:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>interfere with the right of any Finance Party to arrange its affairs (tax or otherwise) in whatever manner it thinks fit;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>oblige any Finance Party to investigate or claim any credit, relief, remission or repayment available to it or the extent, order and manner of any claim; or</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">28.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>oblige any Finance Party to disclose any information relating to its affairs (tax or otherwise) or any computations in respect of Tax.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">29.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SHARING AMONG THE FINANCE PARTIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payments to Finance Parties</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If a Finance Party (a <b>Recovering Finance Party</b>) receives or recovers any amount from an Obligor other than in accordance with Clause 30 (Payment Mechanics) (a <b>Recovered Amount</b>) and applies that amount to a payment due under the Finance Documents then:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Recovering Finance Party shall, within three Business Days, notify details of the receipt or recovery, to the Facility Agent;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall determine whether the receipt or recovery is in excess of the amount the Recovering Finance Party would have been paid had the receipt or recovery been received or made by the Facility Agent and distributed in accordance with Clause 30 ((Payment Mechanics), without taking account of any Tax which would be imposed on the Facility Agent in relation to the receipt, recovery or distribution; and</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Recovering Finance Party shall, within three Business Days of demand by the Facility Agent, pay to the Facility Agent an amount (the <b>Sharing Payment</b>) equal to such receipt or recovery less any amount which the Facility Agent determines may be retained by the Recovering Finance Party as its share of any payment to be made, in accordance with Clause 30.5 (Partial payments).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Redistribution of payments</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent shall treat the Sharing Payment as if it had been paid by the relevant Obligor and distribute it between the Finance Parties (other than the Recovering Finance Party) (the <b>Sharing Finance Parties</b>) in accordance with Clause 30.5 (Partial payments) towards the obligations of that Obligors to the Sharing Finance Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Recovering Finance Party's rights</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">On a distribution by the Facility Agent under Clause 29.2 (Redistribution of payments) of a payment received by a Recovering Finance Party from an Obligor, as between the relevant Obligor and the Recovering Finance Party, an amount of the Recovered Amount equal to the Sharing Payment will be treated as not having been paid by the that Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reversal of redistribution</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any part of the Sharing Payment received or recovered by a Recovering Finance Party becomes repayable and is repaid by that Recovering Finance Party, then:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Sharing Finance Party shall, upon request of the Facility Agent, pay to the Facility Agent for the account of that Recovering Finance Party an amount equal to the appropriate part of its share of the Sharing Payment (together with an amount as is necessary to reimburse that Recovering Finance Party for its proportion of any interest on the Sharing Payment which that Recovering Finance Party is required to pay) (the <b>Redistributed Amount</b>); and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>as between the relevant Obligor and each relevant Sharing Finance Party, an amount equal to the relevant Redistributed Amount will be treated as not having been paid by that Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">29.6<font style="width: 33pt; 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;">29.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Clause 29 shall not apply to the extent that the Recovering Finance Party would not, after making any payment pursuant to this Clause, have a valid and enforceable claim against the relevant Obligor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">29.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Recovering Finance Party is not obliged to share with any other Finance Party any amount which the Recovering Finance Party has received or recovered as a result of taking legal or arbitration proceedings, if:</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>it notified the other Finance Party of the legal or arbitration proceedings; 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>the other Finance Party had an opportunity to participate in those legal or arbitration proceedings but did not do so as soon as reasonably practicable having received notice and did not take separate legal or arbitration proceedings.</p>
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    <p style="text-align: center;"><b>SECTION 11</b><br><b>ADMINISTRATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">30.<font style="width: 13pt; 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;">30.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payments to the Facility Agent</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>On each date on which an Obligor or a Lender is required to make a payment under a Finance Document (other than a GBF Document), that Obligor or Lender shall make the same available to the Facility Agent (unless a contrary indication appears in a Finance Document) in ZAR for value by no later than 12h00 (Johannesburg time) on the due date at the time and in such funds specified by the Facility Agent by way of a funds flow schedule or otherwise.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Payment shall be made to the following account of the Facility Agent:</p>
    <div style="margin-left: 100pt;">
        <table style="border-collapse: collapse; font-size: 10pt; width: 100%;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Bank:</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">FirstRand Bank Limited</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Account name:</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">RMB Domestic Money Market Account</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Account number:</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">506 190 16740</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Branch code:</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">255005</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Reference:</td>
                <td style="width: 51%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">IBDZHZCC</td>
            </tr>
        </table>
    </div>
    <p style="margin-left: 76.55pt; text-align: justify;">or such other account in South Africa with such bank as the Facility Agent specifies.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Distributions by the Facility Agent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each payment received by the Facility Agent under the Finance Documents for another Party shall, subject to Clause 30.3 (Distributions to an Obligor) and Clause 30.4 (Clawback) be made available by the Facility Agent as soon as practicable after receipt to the Party entitled to receive payment in accordance with this Agreement (in the case of a Lender), to such account as that Party may notify to the Facility Agent by not less than five Business Days' notice with a bank in South Africa in writing.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Distributions to an Obligor</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Agent may (with the consent of the Obligor or in accordance with Clause 31 (Set-Off)) apply any amount received by it for that Obligor in or towards payment (on the date and in the currency and funds of receipt) of any amount due from that Obligor under the Finance Documents or in or towards purchase of any amount of any currency to be so applied.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Clawback </b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where a sum is to be paid to the Facility Agent under the Finance Documents for another Party, the Facility Agent is not obliged to pay that sum to that other Party (or to enter into or perform any related exchange contract) until it has been able to establish to its satisfaction that it has actually received that sum.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent pays an amount to another Party and it proves to be the case that the Facility Agent had not actually received that amount, then the Party to whom that amount (or the proceeds of any related exchange contract) was paid by the Facility Agent shall on demand refund the same to the Facility Agent together with interest on that amount from the date of payment to the date of receipt by the Facility Agent, calculated by the Facility Agent to reflect its cost of funds.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.5<font style="width: 33pt; 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;">30.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Facility Agent receives a payment for application against amounts due in respect of any Finance Documents that is insufficient to discharge all the amounts then due and payable by an Obligor under those Finance Documents, the Facility Agent shall apply that payment towards the obligations of the 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 pro rata of any unpaid amount owing to the Facility Agent 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 pro rata of any accrued interest, fee or commission due but unpaid under those 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><b>thirdly</b>, in or towards payment pro rata of any principal due but unpaid under those Finance Documents; 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 pro rata 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;">30.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent shall, if so directed by the Lenders, vary the order set out in Clauses 30.5.1(b) to 30.5.1(d).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.5.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clauses 30.5.1 and 30.5.2 will override any appropriation made by an Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Set-off by the Obligors</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;">30.7<font style="width: 33pt; 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;">30.7.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any payment under the Finance Documents 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;">30.7.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>During any extension of the due date for payment of any principal or Unpaid Sum under this Agreement interest is payable on the principal or Unpaid Sum at the rate payable on the original due date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.8<font style="width: 33pt; 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;">30.8.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clauses 30.8.2 and 30.8.3, 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;">30.8.2<font style="width: 51pt; 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, provided that the Facility Agent shall notify the Borrower should there be any costs, expenses or Taxes incurred in a currency other than ZAR.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.8.3<font style="width: 51pt; 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;">30.9<font style="width: 33pt; 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 Facility Agent determines (in its discretion) that a Disruption Event has occurred or the Facility Agent is notified by the Borrower that a Disruption Event has occurred:</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.9.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent 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 Facilities as the Facility Agent may deem necessary in the circumstances;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.9.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall not be obliged to consult with the Borrower in relation to any changes mentioned in Clause 30.9.1 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;">30.9.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent may consult with the Finance Parties in relation to any changes mentioned in Clause 30.9.1 but shall not be obliged to do so if, in its opinion, it is not practicable to do so in the circumstances;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.9.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>any such changes agreed upon by the Facility Agent 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 36 (Amendments and Waivers);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.9.5<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent 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 but not including any claim based on the fraud of the Facility Agent) arising as a result of its taking, or failing to take, any actions pursuant to or in connection with this Clause 30.9; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">30.9.6<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Agent shall notify the Finance Parties of all changes agreed pursuant to Clause 30.9.4.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">31.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SET-OFF</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">A Finance Party may set off any matured obligation due from an Obligor under the Finance Documents (to the extent beneficially owned by that Finance Party) against any matured obligation owed by that Finance Party to that Obligor, regardless of the place of payment, booking branch or currency of either obligation.&#160; If the obligations are in different currencies, the Finance Party 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;">32.<font style="width: 13pt; 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;">32.1<font style="width: 33pt; 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;">32.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Addresses</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The address and email address (and the department or officer, if any, for whose attention the communication is to be made) 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: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of the Obligors:</p>
    <div style="margin-left: 100pt;">
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                <td style="margin-top: 0pt; margin-bottom: 0pt;">4 Harris Road<br>Sandton<br>Johannesburg<br>Gauteng<br>2196</td>
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    <br>
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    <div style="margin-left: 100pt;">
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            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Email:</td>
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            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">&#160;</td>
                <td style="vertical-align: top; text-align: justify;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">For the attention of:</td>
                <td style="vertical-align: top; text-align: justify;">Steven Heilbron</td>
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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>in the case of the Facility Agent:</p>
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        <table style="border-collapse: collapse; font-size: 10pt; width: 100%;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Address:</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">1 Merchant Place<br>14th Floor<br>Cnr Fredman Drive and Rivonia Road<br>Sandton, 2196</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">&#160;</td>
                <td style="vertical-align: top; text-align: justify;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Email:</td>
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            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">&#160;</td>
                <td style="vertical-align: top; text-align: justify;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">For the attention of:</td>
                <td style="vertical-align: top; text-align: justify;">Theresa Rheeder</td>
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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>in the case of the Arranger:</p>
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        <table style="border-collapse: collapse; font-size: 10pt; width: 100%;" cellspacing="0" cellpadding="0">
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                <td style="margin-top: 0pt; margin-bottom: 0pt;">
                    <p>1 Merchant Place<br>14th Floor<br>Cnr Fredman Drive and Rivonia Road<br>Sandton, 2196</p>
                </td>
            </tr>
            <tr>
                <td style="width: 20%; vertical-align: top;">&#160;</td>
                <td style="vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160; &#160;Email:</p>
                </td>
                <td style="vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
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            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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    </div>
    <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>in the case of the GBF Lender:</p>
    <div style="margin-left: 100pt;">
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            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Address:</p>
                </td>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">
                    <p>1 Merchant Place<br>14th Floor<br>Cnr Fredman Drive and Rivonia Road<br>Sandton, 2196</p>
                </td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Email:</p>
                </td>
                <td style="vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify;">xxx</p>
                    <p style="text-align: justify; margin-bottom: 0pt;">xxx</p>
                </td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">For the attention of:</p>
                </td>
                <td style="vertical-align: top;">
                    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Head of Transaction Management - Investment Banking Division</p>
                </td>
            </tr>
        </table>
    </div>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">&#160;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 14.56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of each Original Term Lender, the address and other details specified opposite its name in Part II of Schedule 1 (The Original);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 15.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of any other Lender, that notified in writing to the Facility Agent on or prior to the date on which it becomes a Party,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">or any substitute address, email address or department or officer as the Party may notify to the Facility Agent (or the Facility Agent may notify to the other Parties, if a change is made by the Facility Agent) by not less than five Business Days' notice.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">32.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Domicilia</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.3.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each of the Parties chooses its physical address provided under or in connection with Clause 32.2 (Addresses) as its domicilium citandi et executandi 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;">32.3.2<font style="width: 51pt; 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 fourteenth day after deemed receipt of the notice by the other Parties pursuant to Clause 32.4 (Delivery).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">32.4<font style="width: 33pt; 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;">32.4.1<font style="width: 51pt; 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 only be effective when received by the recipient and, unless the contrary is proved, shall be deemed to be received:</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>when actually received (or made available) in readable form and, where it is received after 17:00, on the following day;</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>if delivered by hand, be deemed to have been received at the time of delivery; 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>if by way of courier service, be deemed to have been received on the seventh Business Day following the date of such sending,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and, if a particular department or officer is specified as part of its address details provided under Clause 32.2 (Addresses), if addressed to that department or officer.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication or document to be made or delivered to the Facility Agent will be effective only when actually received by the Facility Agent and then only if it is expressly marked for the attention of the department or officer identified with the Facility Agent's signature below (or any substitute department or officer as the Facility Agent shall specify for this purpose).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All notices from or to the Obligors shall be sent through the Facility Agent.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.4.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication or document which becomes effective, in accordance with Clauses 32.4.1 to 32.4.3, after 17h00. in the place of receipt shall be deemed only to become effective on the following day.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">32.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of address and email address</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Promptly upon receipt of notification of an address or email address or change of address or email address pursuant to Clause 32.2 (Addresses) or changing its own address or email address, the Facility Agent shall notify the other Parties.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">32.6<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>English language</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any notice given under or in connection with any Finance Document must be in English.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">32.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>All other documents provided under or in connection with any Finance Document must be:</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 English; 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>if not in English, and if so required by the Facility Agent, accompanied by a certified English translation and, in this case, the English translation will prevail unless the document is a constitutional, statutory or other official document.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">33.<font style="width: 13pt; 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;">33.1<font style="width: 33pt; 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 a Finance Party 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;">33.2<font style="width: 33pt; 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 a Finance Party of a rate or amount under any Finance Document is, in the absence of manifest error, prima facie evidence of the matters to which it relates.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">33.3<font style="width: 33pt; 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;">34.<font style="width: 13pt; 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 a Finance Document 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 <b>inoperable</b> in this Clause 34 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;">35.<font style="width: 13pt; 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 any Finance Party, any right or remedy under a Finance Document or other document or other indulgence shall operate as a waiver, nor shall any single or partial exercise of any right or remedy 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.&#160; No consent to any waiver or novation of a Party's rights in terms of or arising from any Finance Document shall be effective unless it is in writing.&#160; No single or partial exercise of any right or remedy shall prevent any further or other exercise or the exercise of any other right or remedy.&#160; The rights and remedies provided in each Finance Document 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;">36.<font style="width: 13pt; 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;">36.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Required consents</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.1.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 36.2 (All Lender matters) and Clause 36.3 (Other exceptions), any term of the Finance Documents may be amended or waived only with the express consent of the Lenders and the Borrower and any such amendment or waiver will be binding on all Parties.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.1.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Facility Agent may effect, on behalf of any Finance Party, any amendment or waiver permitted by this Clause 36.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.1.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without prejudice to the generality of Clauses 27.7.3, 27.7.4 and 27.7.5 (Rights and discretions), the Facility Agent may engage, pay for and rely on the services of lawyers in determining the consent level required for and effecting any amendment, waiver or consent under this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.1.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor agrees to any such amendment or waiver permitted by this Clause 36 which is agreed to by the Borrower.&#160;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">36.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>All Lender matters</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.2.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>An amendment, waiver or (in the case of a Transaction Security Document) a consent of, or in relation to, any term of any Finance Document that has the effect of changing or which relates to:</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>an extension to the date of payment of any amount under the Finance Documents (other than in relation to Clause 8 (Mandatory prepayment and cancellation));</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>a reduction in the Margin or a reduction in the amount of any payment of principal, interest, fees or commission payable;</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>a change in currency of payment of any amount under the Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>an increase in any Commitment or the Total Commitments, an extension of any Availability Period or any requirement that a cancellation of Commitments reduces the Commitments of the Lenders rateably under the relevant Facility;</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>any provision which expressly requires the consent of all the Lenders;</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>the definition of "Change of Control" in Clause 1.1.31 (Definitions), the definition of "Permitted Financial Indebtedness" in Clause 1.1.121 (Definitions), the definition of " Permitted Guarantee" in Clause 1.1.122 (Definitions), Clause 2.3 (Finance Parties' rights and obligations), Clause 5.1 (Delivery of a Utilisation Request), Clause 7.1 (Illegality), Clause 8 (Mandatory Prepayment and Cancellation), , Clause 8.5 (Application of mandatory prepayments and cancellations, Clause 9.10 (Application of prepayments), Clause 14 (Tax Gross up and Indemnities), Clause 15 (Increased Costs), Clause 16 (Other Indemnities), Clause 25 (Changes to the Lenders), Clause 26 (Changes to the Obligors), this Clause 36 or Clause 43 (Governing Law);</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>(other than as expressly permitted by the provisions of any Finance Document) the nature or scope of:</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 Secured Property; 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>the manner in which the proceeds of enforcement of the Transaction Security are distributed,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">(except in the case of paragraphs (i) and (ii) above, insofar as it relates to a sale or disposal of an asset which is the subject of the Transaction Security where such sale or disposal is expressly permitted under this Agreement or any other Finance Document);</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>the release of any Transaction Security unless permitted under this Agreement or any other Finance Document or relating to a sale or disposal of an asset which is the subject of the Transaction Security where such sale or disposal is permitted under this Agreement or any other Finance Document;</p>
    <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 amendment to the subordination under any Finance Document,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">shall not be made, or given, without the prior consent of all the Lenders.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">36.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other exceptions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">An amendment or waiver which relates to the rights or obligations of the Facility Agent or the Arranger (each in their capacity as such) may not be effected without the express prior consent of the Facility Agent or the Arranger, as the case may be.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">36.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Replacement of Lender</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.4.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Obligors becomes obliged to repay any amount in accordance with Clause 7.1 (Illegality) or to pay additional amounts pursuant to Clause 15.1 (Increased costs), Clause 14.2 (Tax gross-up) or Clause 14.3 (Tax Indemnity) to any Lender, then the Borrower may, on 20 Business Days' prior written notice to the Facility Agent and such Lender, replace such Lender by requiring such Lender to (and, to the extent permitted by law, such Lender shall) transfer pursuant to Clause 25 (Changes to the Lenders) all (and not part only) of its rights and obligations under this Agreement to an Eligible Institution (a <b>Replacement Lender</b>) which confirms its willingness to assume and does assume all the obligations of the transferring Lender in accordance with Clause 25 (Changes to the Lenders) for a purchase price in cash payable at the time of transfer in an amount equal to the outstanding principal amount of such Lender's participation in the outstanding Loans and all accrued interest and/or Break Costs and other amounts payable in relation thereto under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.4.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>The replacement of a Lender pursuant to this Clause 36.4 shall be subject to the following conditions:</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 Borrower shall have no right to replace the Facility Agent;</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>neither the Facility Agent nor the Lender shall have any obligation to the Borrower to find a Replacement 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>in no event shall the Lender replaced under this Clause 36.4 be required to pay or surrender to such Replacement Lender any of the fees received by such Lender pursuant to the Finance Documents; 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>the Lender shall only be obliged to transfer its rights and obligations pursuant to Clause 36.4.1 once it is satisfied that it has complied with all necessary "know your customer" or other similar checks under all applicable laws and regulations in relation to that transfer.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">36.4.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Lender shall perform the checks described in Clause 36.4.2(d) as soon as reasonably practicable following delivery of a notice referred to in Clause 36.4.2 and shall notify the Facility Agent and the Borrower when it is satisfied that it has complied with those checks.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">37.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONFIDENTIAL INFORMATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">37.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Finance Party agrees to keep all Confidential Information confidential and not to disclose it to anyone, save to the extent permitted by Clause 37.2 (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;">37.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disclosure of Confidential Information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any Finance Party may disclose:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.2.1<font style="width: 51pt; 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 that Finance Party shall consider appropriate if any person to whom the Confidential Information is to be given pursuant to this paragraph 37.2.1 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;">37.2.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any person:</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>to (or through) whom it Transfers (or may potentially Transfer) all or any of its rights and/or obligations under one or more Finance Documents or which succeeds (or which may potentially succeed) it as Facility Agent and, in each case, 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: 13.78pt; 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 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 Obligors 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;">(c)<font style="width: 14.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>appointed by any Finance Party or by a person to whom paragraph (a) or (b) above applies to receive communications, notices, information or documents delivered pursuant to the Finance Documents on its behalf (including, without limitation, any person appointed under Clause 27.15.2 (Relationship with the Lenders));</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.78pt; 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 paragraph (a) or (b) above;</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>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: 15.56pt; 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: 13.78pt; 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: 13.78pt; 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 that Finance Party shall consider appropriate if:</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>in relation to paragraphs&#160; (a), (b) and (c) above, 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: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 13.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to paragraph (d) above, 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;</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>in relation to paragraphs&#160; (e) and (f), 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 that Finance Party, it is not practicable so to do in the circumstances; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.2.3<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any person appointed by that Finance Party or by a person to whom Clause 37.2.2(a) or 37.2.2(b) applies to provide administration or settlement services in respect of one or more of the Finance Documents including without limitation, in relation to the trading of participations in respect of the Finance Documents, such Confidential Information as may be required to be disclosed to enable such service provider to provide any of the services referred to in this Clause 37.2.3 if the service provider to whom the Confidential Information is to be given has entered into a confidentiality agreement substantially in the form of the LMA Master Confidentiality Undertaking for Use With Administration/Settlement Service Providers or such other form of confidentiality undertaking agreed between the Borrower and the relevant Finance Party; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.2.4<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>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 Obligors.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">37.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Entire agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Clause 37 constitutes the entire agreement between the Parties in relation to the obligations of the Finance Parties under the Finance Documents regarding Confidential Information and supersedes any previous agreement, whether express or implied, regarding Confidential Information.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">37.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Inside information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each of the Finance Parties 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 each of the Finance Parties 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;">37.5<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of disclosure</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each of the Finance Parties 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;">37.5.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the circumstances of any disclosure of Confidential Information made pursuant to Clause 37.2.2(e) (Disclosure of Confidential Information) 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>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.5.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon becoming aware that Confidential Information has been disclosed in breach of this Clause 37.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">37.6<font style="width: 33pt; 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 37 are continuing and, in particular, shall survive and remain binding on each Finance Party for a period of 12 months from the earlier of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.6.1<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which all amounts payable by the Obligors under or in connection with the Finance Documents have been paid in full and all Commitments have been cancelled or otherwise cease to be available; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">37.6.2<font style="width: 51pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which such Finance Party otherwise ceases to be a Finance Party.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">38.<font style="width: 13pt; 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, errore calculi, non causa debiti, non numeratae pecuniae and cession of actions, and declares that it understands the meaning of each such legal exception and the effect of such renunciation.<b> </b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">39.<font style="width: 13pt; 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 waives generally all immunity it or its assets or revenues may otherwise have in any jurisdiction, including immunity in respect of:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">39.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>the giving of any relief by way of an interdict or order for specific performance or for the recovery of assets or revenues; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">39.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>the issue of any process against its assets or revenues for the enforcement of a judgment or, in an action in rem, for the arrest, detention or sale of any of its assets and revenues.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">40.<font style="width: 13pt; 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>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">41.<font style="width: 13pt; 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;">42.<font style="width: 13pt; 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>
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    <p style="text-align: center;"><b>SECTION 12</b><br><b>GOVERNING LAW AND ENFORCEMENT</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">43.<font style="width: 13pt; 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;">44.<font style="width: 13pt; 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;">44.1<font style="width: 33pt; 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;">44.2<font style="width: 33pt; 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: 51.05pt; text-indent: -51.05pt; text-align: justify;">44.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding Clause 44.1, no Finance Party shall be prevented from taking proceedings relating to a Dispute in any other courts with jurisdiction.&#160; To the extent allowed by law, the Finance Parties may take concurrent proceedings in any number of jurisdictions.</p>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> has been entered into on the date stated at the beginning of this Agreement.</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_127"></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;"><b>Part I</b></p>
    <p style="text-align: center;"><b>The Guarantors</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #e6e6e6; width: 4%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>&#160;</b></td>
            <td style="width: 43%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Name of Guarantor</b></td>
            <td style="width: 19%; vertical-align: middle; background-color: #e6e6e6; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Jurisdiction of<br>Incorporation</b></td>
            <td style="background-color: #e6e6e6; width: 23%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Registration number<br></b><b>(or equivalent, if any)</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Cash Connect Rentals Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2009/007139/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">2.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Deposit Manager Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2010/016889/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">3.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Cash Connect Capital Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2017/029430/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">4.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">Main Street 1723 Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2019/300711/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">5.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">K2021477132 (South Africa) Proprietary Limited</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">South Africa</td>
            <td style="width: 23%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">2021/477132/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">6.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">K2020 Connect (South Africa) Proprietary Limited</td>
            <td style="width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">South Africa</td>
            <td style="width: 23%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: center;">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_128"></a>
    <p style="text-align: center;"><b>Part II</b></p>
    <p style="text-align: center;"><b>The Original Term Lenders</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #d9d9d9; width: 19%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Original Term<br>Lender</b></p>
            </td>
            <td style="background-color: #d9d9d9; width: 80%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Address for Purposes of Clause 32 (Notices)</b></p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; vertical-align: top;">
                <p>FirstRand Bank Limited (acting through its Rand Merchant Bank division)</p>
            </td>
            <td style="width: 80%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle;">
                <p style="margin-left: 51.4pt; text-indent: -51.4pt; margin-top: 0pt;">Address:<font style="width: 15.88pt; text-indent: 0pt; display: inline-block;">&#160;</font>1 Merchant Place<br>14th Floor<br>Cnr Fredman Drive and Rivonia Road<br>Sandton, 2196</p>
                <p style="margin-left: 51.4pt; text-indent: -51.4pt;">Email:<font style="width: 25.4pt; text-indent: 0pt; display: inline-block;">&#160;</font>xxx<br>xxx<br>xxx<br>xxx<br>xxx<br>xxx</p>
                <p style="margin-left: 51.4pt; text-indent: -51.4pt; margin-bottom: 0pt;">Attention:<font style="width: 10.87pt; text-indent: 0pt; display: inline-block;">&#160;</font>Head of Transaction Management - Investment Banking Division</p>
            </td>
        </tr>
    </table>
    <p style="text-align: center;"><b>Commitments</b></p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="width: 97%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; background-color: #d9d9d9; white-space: nowrap;" colspan="2">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Facility A</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 49%; vertical-align: top; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Original Term Lender</b></p>
            </td>
            <td style="width: 44%; vertical-align: top; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Facility A Commitment</b></p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>FirstRand Bank Limited (acting through its Rand Merchant Bank division)</p>
            </td>
            <td style="width: 44%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle;">
                <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;">ZAR700,000,000</p>
            </td>
        </tr>
    </table>
    <br>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="width: 97%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; background-color: #d9d9d9; white-space: nowrap;" colspan="2">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Facility B</b></p>
            </td>
        </tr>
        <tr>
            <td style="width: 49%; vertical-align: top; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Original Term Lender</b></p>
            </td>
            <td style="width: 44%; vertical-align: top; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>Facility B Commitment</b></p>
            </td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt;">
                <p>FirstRand Bank Limited (acting through its Rand Merchant Bank division)</p>
            </td>
            <td style="width: 44%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle;">
                <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;">ZAR550,000,000</p>
            </td>
        </tr>
    </table>
    <br>
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    <p style="text-align: right;"><b>SCHEDULE 2</b></p>
    <p style="text-align: center;"><b>CONDITIONS PRECEDENT</b></p>
    <p style="text-align: center;"><b>Part I</b><br><b>Conditions Precedent to Initial Utilisation</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 AND SECURITY PROVIDERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the constitutional documents of the Obligors and each other Security Provider.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a resolution of the board of directors of the Obligors and each other Security Provider:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.1<font style="width: 56pt; 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, deliver and perform 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: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising it, for all purposes required under sections 45 and 46 of the Companies Act, 2008, to provide the "financial assistance" and to make any "distribution" that may arise as a result of its entry into the Finance Documents to which it is a party;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56pt; 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;">1.2.4<font style="width: 56pt; 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: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A specimen of the signature of each person authorised by the resolution referred to in paragraph 1.2 in relation to the Finance Documents and related documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a special resolution duly passed by the holders of the issued shares of each Obligor and each other Security Provider authorising it, for all purposes required under section 45 of the Companies Act, 2008, to provide the "financial assistance" that may arise as a result of its entry into the Finance Documents to which it is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>To the extent required by any other applicable law, and with reference to the constitutional documents of each Obligor and each other Security Provider, a copy of a resolution duly passed by the holders of the issued shares of each Obligor or that Security Provider (as applicable), approving the terms of, and the transactions contemplated by, the Finance Documents to which that Security Provider is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A certificate of each Obligor and each other Security Provider (signed by a director):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirming that borrowing or guaranteeing or securing, as appropriate, the Total Commitments would not cause any borrowing, guarantee, security or similar limit binding on that Obligor or any other Security Provider to be exceeded;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.6.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>certifying that each copy document relating to it specified in this Part I of Schedule 2 is correct, complete and in full force and effect and has not been amended or superseded as at a date no earlier than the date of this Agreement.</p>
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    <p style="text-align: justify; margin-left: 25.5pt; text-indent: -25.5pt;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FINANCE DOCUMENTS</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>An original of each of the following duly entered into by each Party to it:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the GBF Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Transaction Security Document (other than any Transaction Security Document which is to be provided after the Closing Date, namely the Transaction Security Documents referred to in paragraph 3 of Schedule 9 (Transaction Security));</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.4<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Funds Flow and Release Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.5<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Fee Letters;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.6<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the K2021 Consent;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.1.7<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Absa Release Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>The following documents of title and related Transaction Security Documents:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">2.2.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to shares and other securities that are subject to Transaction Security:</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 share certificates (or applicable certificates of title in respect of other securities);</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>an original securities transfer form duly executed by the relevant Security Provider (undated and left blank as to the transferee);</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>a resolution by the directors of each company the shares of which are subject to Transaction Security, acknowledging the pledge and agreeing to give effect to any transfer of shares that may occur as a result;</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>to the extent required, a duly executed waiver of pre-emptive or similar rights by shareholders who are not members of the Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and all other documents of title required to be provided under the Transaction Security Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of all notices required to be sent, acknowledgements required to be delivered and other documents required to be executed under the Transaction Security Documents, duly executed by the persons party thereto.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that each general notarial bond referred to in paragraph 2.5 of Schedule 9 (Transaction Security) has been lodged for registration at the applicable statutory public register.</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>ACQUISITION</b></p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the Acquisition Documents and evidence that each Acquisition Document is unconditional in accordance with its terms, other than any condition requiring the Facilities Agreement to be unconditional.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the shareholders register of each Obligor.</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>LESAKA FINANCING</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Evidence that FirstRand Bank Limited (acting through its Rand Merchant Bank division) will provide financing to Lesaka to meet its obligations under the Acquisition Documents, in form and substance satisfactory to Lenders is unconditional in accordance with its terms, other than any condition requiring the Facilities Agreement to be unconditional.</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>LEGAL OPINIONS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The following legal opinions, each addressed to the Facility Agent (for an on behalf of the Finance Parties) and capable of being relied upon by any persons who become Lenders pursuant to the primary syndication of the Facilities.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Webber Wentzel, legal advisers to the Facility Agent and the Arranger as to South African law substantially in the form distributed to the Lenders prior to signing this Agreement in respect of the legality, validity and enforceability of the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Cliffe Dekker Hofmeyr, legal advisers to the Borrower as to South African law substantially in the form distributed to the Lenders prior to signing this Agreement in respect of the capacity, powers and authority of the Obligors and Security Providers to enter into and perform their obligations under the Finance Documents.</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>CREDIT APPROVAL</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The approval of the credit committees and/or boards of directors of each Lender of the grant of the Facilities to the Borrower under the Finance Documents.</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>KNOW YOUR CUSTOMER REQUIREMENTS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Such documentation and other evidence as is reasonably requested by the Facility Agent (for itself or on behalf of any other Finance Party) to carry out and be satisfied that it has complied with all necessary know your customer or similar identification procedures under applicable laws and regulations (including the Financial Intelligence Centre Act, 2001) pursuant to the transactions contemplated in the Finance Documents.</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>OTHER DOCUMENTS AND EVIDENCE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that the fees, costs and expenses then due from the Borrower pursuant to Clause 13 (Fees), Clause 14.5 (Stamp taxes) and Clause 18 (Costs and expenses) have been paid or will be paid by the Utilisation Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the Base Case Model.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that a management incentive scheme has or will be implemented on terms satisfactory to the Facility Agent.</p>
    <p style="text-align: justify; margin-left: 51.05pt; text-indent: -51.05pt;">8.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that the board composition of the Obligors is satisfactory to the Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that Steven Heilbron has entered into restraints of trade on terms satisfactory to the Facility Agent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.6<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any required independent expert's reports on the assets to be acquired under the Acquisition Documents (including, but not limited to, legal and technical due diligence reports).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.7<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy, certified by an authorised signatory of the Borrower to be a true copy, of the Original Financial Statements.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.8<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any other Authorisation or other document, opinion or assurance which the Facility Agent considers to be necessary or desirable (if it has notified the Borrower accordingly) 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>
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    <p style="text-align: center;"><b>Part II</b><br><b>Conditions Precedent Required to be Delivered by an Additional Obligor</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>An Accession Letter executed by the Additional Obligor and the Borrower.</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>A copy of the constitutional documents of the Additional Obligor.</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>A copy of a resolution of the board of directors of the Additional Obligor:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>approving the terms of, and the transactions contemplated by, the Accession Letter and the Finance Documents and resolving that it execute, deliver and perform the Accession Letter and any other Finance Document to which it is party;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>if applicable, authorising it, for all purposes required under sections 45 and 46 of the Companies Act, 2008, to provide the "financial assistance" and to make any "distribution" that may arise as a result of the performance of its obligations under the Accession Letter and other Finance Documents to which it is a party;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons to execute the Accession Letter and other Finance Documents on its behalf;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons, on its behalf, to sign and/or despatch all other documents and notices to be signed and/or despatched by it under or in connection with the Finance Documents to which it is a party; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising the Borrower to act as its agent in connection with the Finance Documents.</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>A specimen of the signature of each person authorised by the resolution referred to in paragraph 3.</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>A copy of a resolution signed by all the holders of the issued shares of the Additional Obligor:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising it, for all purposes required under section 45 of the Companies Act, 2008 to provide the "financial assistance" that may arise as a result of its entry into the Accession Letter and the Finance Documents to which it is a party; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>to the extent required, approving the terms of, and the transactions contemplated by, the Finance Documents to which the Additional Obligor is a party.</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>A certificate of the Additional Obligor (signed by a director) confirming that borrowing, guaranteeing or securing, as appropriate, the Total Commitments would not cause any borrowing, guarantee, security or similar limit binding on it to be exceeded.</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>A certificate of an authorised signatory of the Additional Obligor certifying that each copy document listed in this Part II of Schedule 2 is correct, complete and in full force and effect and has not been amended or superseded as at a date no earlier than the date of the Accession Letter.</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>If available, the latest audited financial statements of the Additional Obligor.</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>The following legal opinions, each addressed to the Facility Agent and the Lenders:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a legal opinion of the legal advisers to the Facility Agent in South Africa, as to South African law in the form distributed to the Lenders prior to signing the Accession Letter in respect of the enforceability of the Accession Letter;</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a legal opinion of the legal advisers to the Additional Obligor in South Africa, as to South African law in the form distributed to the Lenders prior to signing the Accession Letter in respect of the capacity and authority of the Additional Obligor to enter into the Accession Letter and other Finance Documents to which it is party; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any Additional Obligor incorporated in a jurisdiction other than South Africa, a legal opinion from legal counsel in that jurisdiction acceptable to the Facility Agent.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>Transaction Security Documents duly executed by the Additional Obligor in respect of all Transaction Security it is required to provide in accordance with Schedule 9 (Transaction Security).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>All documents required to procure registration of the mortgage bonds, special notarial bonds, and general notarial bonds required to be given by the proposed Additional Obligor and set out in Schedule 9 (Transaction Security), including a power of attorney in favour of Webber Wentzel attorneys to pass and register each such Transaction Security Document at the applicable Deeds Registry or other statutory public register.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">12.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>The following documents of title and related documents in relation to shares and other securities that are subject to Transaction Security:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.1<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>the original share certificates (or applicable certificates of title in respect of other securities);</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.2<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>an original securities transfer form duly executed by the relevant Additional Obligor (undated and left blank as to the transferee);</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.3<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>a resolution by the directors of each company the shares of which are subject to Transaction Security, acknowledging the pledge and agreeing to give effect to any transfer of shares that may occur as a result; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.4<font style="width: 33pt; text-indent: 0pt; display: inline-block;">&#160;</font>all other documents of title required to be provided under the Transaction Security Documents.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">13.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of all notices required to be sent, acknowledgements required to be delivered and other documents required to be executed under the Transaction Security Documents, duly executed by the persons party thereto.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">14.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence that each mortgage bond, special notarial bond and general notarial bond required to be given by the proposed Additional Obligor and set out in Schedule 9 (Transaction Security) has been lodged for registration at the applicable statutory public register.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">15.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>All necessary regulatory approvals to the satisfaction of the Facility Agent required for the accession of the Additional Obligor as an Additional Guarantor, as applicable.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">16.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Additional Obligor is not incorporated in South Africa, such documentary evidence as legal counsel to the Facility Agent may require, that such Additional Obligor has complied with any law in its jurisdiction relating to financial assistance or analogous process.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">17.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any other Authorisation or other document, opinion or assurance which the Facility Agent considers to be necessary or desirable in connection with the entry into and performance of the transactions contemplated by the Accession Letter or for the validity and enforceability of any Finance Document.</p>
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    <p style="text-align: right;"><b>SCHEDULE 3</b></p>
    <p style="text-align: center;"><b>FORM OF UTILISATION REQUEST</b></p>
    <p style="text-align: justify;">From:<font style="display: inline-block; width: 30.59pt;">&#160;</font><b>Cash Connect Management Solutions Proprietary Limited</b></p>
    <p style="text-align: justify;">To:<font style="display: inline-block; width: 41.75pt;">&#160;</font>[Facility Agent]</p>
    <p style="text-align: justify;">Dated:<font style="width: 27.74pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br><b>Facilities Agreement dated [&#9679;], 2022 </b><br><b>(the Facilities 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 Facilities Agreement.&#160; This is a Utilisation Request.&#160; Terms defined in the Facilities 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 a Loan on the following terms:</p>
    <div style="margin-left: 36pt;">
        <table style="border-collapse: collapse; font-size: 10pt; width: 100%;" cellspacing="0" cellpadding="0">
            <tr>
                <td style="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Proposed Utilisation Date:</td>
                <td style="width: 68%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">[<b>&#9679;</b>] (or, if that is not a Business Day, the next Business Day)</td>
            </tr>
            <tr>
                <td style="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 68%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Facility to be utilised:</td>
                <td style="width: 68%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">[Facility A]/[Facility B]</td>
            </tr>
            <tr>
                <td style="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
                <td style="width: 68%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            </tr>
            <tr>
                <td style="width: 31%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Amount:</td>
                <td style="width: 68%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">[<b>&#9679;</b>] or, if less, the Available Facility</td>
            </tr>
        </table>
    </div>
    <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 4.2 (Further conditions precedent) of the Facilities 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 Loan should be credited to [account].</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 Utilisation Request is irrevocable.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">&#160;</p>
    <p style="text-align: justify;">Yours faithfully</p>
    <p style="text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;</p>
    <p style="text-align: justify;">authorised signatory for</p>
    <p style="text-align: justify;">Cash Connect Management Solutions Proprietary Limited</p>
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    <p style="text-align: right;"><b>SCHEDULE 4</b></p>
    <p style="text-align: center;"><b>REPAYMENT SCHEDULE</b></p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="vertical-align: top; width: 33%; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap; text-align: center;"><b>Repayment Date<br></b><br><br><b>[Column 1]</b></td>
            <td style="vertical-align: top; width: 33%; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap; text-align: center;"><b>Facility A Repayment Instalment<br></b><br><br><b>[Column 2]</b></td>
            <td style="vertical-align: top; width: 33%; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; white-space: nowrap; text-align: center;"><b>Facility B Repayment<br>Instalment<br></b><br><b>[Column 3]</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">31 March, 2026</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR31,250,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">30 June, 2026</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR31,250,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">30 September, 2026</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR31,250,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">31 December, 2026</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR31,250,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">31 March, 2027</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR37,500,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">30 June, 2027</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR37,500,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">30 September, 2027</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR0</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR37,500,000</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; width: 33%;">Final Maturity Date</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR700,000,000</td>
            <td style="width: 33%; padding-right: 4.9pt; padding-left: 5.4pt; vertical-align: top; text-align: right;">ZAR275,000,000</td>
        </tr>
    </table>
    <br>
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    <p style="text-align: right;"><b>SCHEDULE 5</b></p>
    <p style="text-align: center;"><b>FORM OF TRANSFER CERTIFICATE</b></p>
    <p style="text-align: justify;">To:<font style="width: 13.9pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>] as Facility Agent</p>
    <p style="text-align: justify;">From:<font style="width: 2.24pt; 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: justify;">Dated:</p>
    <p style="text-align: center;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br><b>Facilities Agreement dated [&#9679;], 2022 </b><br><b>(the Facilities 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 Facilities Agreement.&#160; This is a 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>Terms defined in the Facilities 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;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to Clause 25.5 (Procedure for transfer) of the Facilities Agreement:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; 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 25.5 (Procedure for transfer) of the Facilities Agreement;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; 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;">3.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the address, fax number and attention details for notices of the New Lender for the purposes of Clause 32.2 (Addresses) of the Facilities Agreement are set out in the Schedule.</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 New Lender expressly acknowledges the limitations on the Existing Lender's obligations set out in Clause 25.4.3 (Limitation of responsibility of Existing Lenders) of the Facilities 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>The New Lender agrees that it shall assume the same obligations towards each other Finance Party under the Finance Documents as if it had been an Original Term Lender or GBF Lender (as applicable).</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 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;">7.<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;">8.<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;">&#160;</p>
    <p style="text-align: justify;">[<b>NEW LENDER</b>]</p>
    <div id="footer_page_137">
        <p style="text-align: center;">124</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_138"></a>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">[<b>FACILITY AGENT</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">As Facility Agent and for and on behalf of each of the parties to the Facilities Agreement (other than the Existing Lender and the New Lender).</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;"><b>Note:</b><font style="width: 33.65pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>The execution of this Transfer Certificate may not transfer a proportionate share of the Existing Lender's interest in the Transaction Security in all jurisdictions.&#160; It is the responsibility of the New Lender to ascertain whether any other documents or other formalities are required to perfect a transfer of such a share in the Existing Lender's Transaction Security in any jurisdiction and, if so, to arrange for execution of those documents and completion of those formalities.</b></p>
    <div id="footer_page_138">
        <p style="text-align: center;">125</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_139"></a>
    <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>
    <p style="text-align: justify;">[insert relevant details]</p>
    <p style="text-align: justify;">[address, fax number and attention details for notices and account details for payments,]</p>
    <table style="border-collapse: collapse; font-size: 10pt; width: 100%; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="width: 50%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: justify; white-space: nowrap;">[Existing Lender]</td>
            <td style="width: 50%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: justify; white-space: nowrap;">[New Lender]</td>
        </tr>
        <tr>
            <td style="width: 50%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: justify;">By:</td>
            <td style="width: 50%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; text-align: justify;">By:</td>
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    <p style="text-align: justify;">This Agreement is accepted as a Transfer Certificate for the purposes of the Facilities Agreement by the Facility Agent, and the Transfer Date is confirmed as [<b>&#9679;</b>].</p>
    <p style="text-align: justify;">[Facility Agent]</p>
    <p style="text-align: justify;">By:</p>
    <div id="footer_page_139">
        <p style="text-align: center;">126</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_140"></a>
    <p style="text-align: right;"><b>SCHEDULE 6</b></p>
    <p style="text-align: center;"><b>FORM OF ACCESSION LETTER</b></p>
    <p style="text-align: center;"><b>Accession Letter - Additional Guarantor</b></p>
    <p style="text-align: justify;">To:<font style="width: 13.9pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>] as Facility Agent (the <b>Facility Agent</b>)</p>
    <p style="text-align: justify;">From:<font style="width: 2.24pt; display: inline-block;">&#160;</font>[<i>Subsidiary</i>] and Cash Connect Management Solutions Proprietary Limited</p>
    <p style="text-align: right;">[&#9679;], 20[&#9679;]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br><b>Facilities Agreement dated [&#9679;], 2022</b><br><b>(the Facilities 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:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facilities Agreement;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>[the Subordination Agreement]; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the pledge and cession in security dated [&#9679;], 2022 between, amongst others, Cash Connect Management Solutions Proprietary Limited (as original cedent) and the Lender (the <b>Obligor Pledge and Cession</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>This letter (the <b>Accession Letter</b>) shall take effect as an Accession Letter for the purposes of the Facilities Agreement, and the Obligor Pledge and Cession.&#160;</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>Terms defined in the Facilities Agreement have the same meaning in this Accession Letter unless given a different meaning in this Accession 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>With effect from the date of this Accession Letter:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<i>Subsidiary</i>] agrees to become an Additional Guarantor and to be bound by the terms of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.1<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facilities Agreement and the other Finance Documents as an Additional Guarantor pursuant to clause 26.2 (Additional Guarantors) of the Facilities Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.2<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Obligor Pledge and Cession as an Additional Cedent pursuant to clause [19] (Additional Cedents) of the Obligor Pledge and Cession; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.3<font style="width: 56pt; text-indent: 0pt; display: inline-block;">&#160;</font>[the Subordination Agreement as an Additional Subordinated Creditor and an Additional Intergroup Debtor pursuant to clause [15] (Additional Subordinated Creditor or Additional Intergroup Debtor) of the Subordination Agreement;]</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<i>Subsidiary</i>] pledges to the Finance Parties all its Shares and cedes <i>in securitatem debiti</i> to the Finance Parties all its Secured Property (under and as defined in the Obligor Pledge and Cession), in each case individually and collectively with all the other Secured Property, as continuing general covering collateral security for the due, proper and timeous payment and performance in full of all the Secured Obligations (under and as defined in the Obligor Pledge and Cession), on the terms set out in this Accession Letter (as read with the Obligor Pledge and Cession), which pledge and cession the Finance Parties accept; and</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_141"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Obligor Pledge and Cession will be read and construed for all purposes as if [<i>Subsidiary</i>] had been an original party to the Obligor Pledge and Cession in the capacity of a "Cedent" (but so that the Security created by this accession will be created on the date of this Accession Letter).</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>For purposes of the Obligor Pledge and Cession, any reference to "Secured Property" will include a reference to the following assets of [<i>Subsidiary</i>]:</p>
    <p style="margin-left: 51.05pt; text-align: justify;">[<i>insert details of Secured Property</i>]</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>[<i>Subsidiary</i>] is a company duly incorporated under the laws of [<i>name of relevant jurisdiction</i>] and is a limited liability company with registration number [<b>&#9679;</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>[<i>Subsidiary's</i>] administrative details for the purposes of the Finance Documents are as follows:</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Address:</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Email:</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Fax:</p>
    <p style="margin-left: 51.05pt; text-align: justify;">Attention:</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>[<i>Subsidiary</i>] consents to the appointment of the Borrower to act on its behalf as agent in relation to the Finance Documents in accordance with clause 2.4.1 of the Facilities Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Accession Letter may be executed in any number of counterparts. This has the same effect as if the signatures on the counterparts were on a single copy of this Accession Letter.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Accession Letter 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;">&#160;</p>
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            <td style="padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; border-top: 0.75pt solid #000000;" colspan="2">
                <p style="text-align: justify; margin-top: 0pt;">For and on behalf of:<br><b>[Subsidiary]</b></p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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                <p style="text-align: justify; margin-top: 0pt;">For and on behalf of:<br><b>Cash Connect Management Solutions Proprietary Limited</b></p>
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        <tr>
            <td style="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;" colspan="2">&#160;</td>
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            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Name:</p>
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            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        </tr>
        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Office:</p>
            </td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Office:</p>
            </td>
            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
        </tr>
        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">(who warrants his authority)</p>
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    <p style="text-align: justify;"><b>Accepted by the Facility Agent:</b></p>
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                <p style="text-align: justify; margin-top: 0pt;">For and on behalf of:<br><b>[Facility Agent]</b></p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="margin-bottom: 0pt; border-top: 0.75pt solid #000000;" colspan="2">
                <p style="text-align: justify; margin-top: 0pt;">For and on behalf of:<br><b>[Facility Agent]</b></p>
            </td>
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            <td style="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;" colspan="2">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
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            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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    <br>
    <div id="footer_page_141">
        <p style="text-align: center;">128</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_142"></a><br>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
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            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
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            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Office:</p>
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            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: justify; border-bottom: 0.75pt solid #000000; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
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        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">(who warrants his authority)</p>
            </td>
            <td style="width: 5%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
            </td>
            <td style="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top;">
                <p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt;">(who warrants his authority)</p>
            </td>
        </tr>
    </table>
    <p style="text-indent: 368.55pt; text-align: center;">&#160;</p>
    <p style="text-indent: 368.55pt; text-align: center;">&#160;</p>
    <div id="footer_page_142">
        <p style="text-align: center;">129</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_143"></a>
    <p style="text-align: right;"><b>SCHEDULE 7</b></p>
    <p style="text-align: center;"><b>FORM OF COMPLIANCE CERTIFICATE</b></p>
    <p style="text-align: justify;">To:<font style="width: 13.9pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>] (as Facility Agent)</p>
    <p style="text-align: justify;">From:<font style="width: 2.24pt; display: inline-block;">&#160;</font>Cash Connect Management Solutions Proprietary Limited (as Borrower)</p>
    <p style="text-align: right;">[&#9679;], 20[&#9679;]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br><b>Facilities Agreement dated [&#9679;], 2022 </b><br><b>(the Facilities 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 Facilities Agreement.&#160; This is a Compliance Certificate.&#160; Terms defined in the Facilities 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 [relevant testing date] the following financial ratios referred to in clause 22.2 (Financial condition) of the Facilities Agreement were at the levels set out below:</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="background-color: #d9d9d9; width: 33%; vertical-align: top; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Financial covenant ratio</b></td>
            <td style="width: 19%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>As calculated</b></td>
            <td style="width: 19%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Required</b></td>
            <td style="background-color: #d9d9d9; width: 18%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Compliance Y/N</b></td>
        </tr>
        <tr>
            <td style="width: 33%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">Debt Service Cover</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">&#160;</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">&#160;</td>
            <td style="width: 18%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 33%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">Interest Cover</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">&#160;</td>
            <td style="width: 19%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">&#160;</td>
            <td style="width: 18%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 33%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">Leverage Ratio</td>
            <td style="width: 19%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">&#160;</td>
            <td style="width: 19%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">&#160;</td>
            <td style="width: 18%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">&#160;</td>
        </tr>
    </table>
    <p style="margin-left: 25.5pt; text-align: justify;">[Insert details of covenants to be certified].</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 set out below calculations establishing the figures in paragraph 2:</p>
    <p style="margin-left: 25.5pt; text-align: justify;">[&#9679;]</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>[We confirm that no Default is continuing.]*</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Signed</td>
            <td style="width: 39%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..</td>
            <td style="width: 42%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..</td>
        </tr>
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#160;</td>
            <td style="width: 39%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Director</td>
            <td style="width: 42%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Director</td>
        </tr>
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#160;</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;"><b>Cash Connect Management<br>Solutions Proprietary Limited</b></td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;"><b>Cash Connect Management<br>Solutions Proprietary Limited</b></td>
        </tr>
    </table>
    <p style="text-align: justify; margin-bottom: 0pt;"><b>NOTES:</b></p>
    <p style="margin-left: 28.35pt; text-indent: -28.35pt; text-align: justify; margin-top: 0pt;">*<font style="width: 25.24pt; text-indent: 0pt; display: inline-block;">&#160;</font>If this statement cannot be made, the certificate should identify any Default that is continuing and the steps, if any, being taken to remedy it.</p>
    <div id="footer_page_143">
        <p style="text-align: center;">130</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_144"></a>
    <p style="text-align: right;"><b>SCHEDULE 8</b></p>
    <p style="text-align: center;"><b>FORM OF EQUITY CURE NOTICE</b></p>
    <p style="text-align: justify;">To:<font style="width: 13.9pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>] (as Facility Agent)</p>
    <p style="text-align: justify;">From:<font style="width: 2.24pt; display: inline-block;">&#160;</font>Cash Connect Management Solutions Proprietary Limited (as Borrower)</p>
    <p style="text-align: justify;">Dated:</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT MANAGEMENT SOLUTIONS PROPRIETARY LIMITED</b><br><b>Facilities Agreement dated [&#9679;], 2022 </b><br><b>(the Facilities 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 Facilities Agreement.&#160; This is an Equity Cure Notice.&#160; Terms defined in the Facilities Agreement have the same meaning when used in this Equity Cure Notice unless given a different meaning in this Equity Cure Notice.</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 propose raising a Cure Amount as follows:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Quantum of Cure Amount:<font style="width: 36.33pt; text-indent: 0pt; display: inline-block;">&#160;</font>ZAR[&#9679;]</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>Date of payment:<font style="width: 74.9pt; text-indent: 0pt; display: inline-block;">&#160;</font>[&#9679;], 20[&#9679;]</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 as at [relevant testing date]:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the financial covenants, before taking account of the Cure Amount specified above, were at the levels set out in Column 3 of the table below;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>the financial covenants, after taking account of the Cure Amount specified above, are at the levels set out in Column 4 of the table below:</p>
    <table style="width: 90%; margin-left: auto; border-collapse: collapse; font-size: 10pt; margin-right: auto; border-color: #000000;" border="1" cellspacing="0" cellpadding="3">
        <tr>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: top; background-color: #d9d9d9; text-align: center; white-space: nowrap;"><b>Financial covenant<br>ratio<br></b><br><b>[Column 1]</b></td>
            <td style="width: 13%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>Required<br><br></b><br><b>[Column 2]</b></td>
            <td style="width: 25%; vertical-align: middle; background-color: #d9d9d9; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center; white-space: nowrap;"><b>As Calculated</b><br><b>(before Cure Amount)<br></b><br><b>[Column 3]</b></td>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; background-color: #d9d9d9; text-align: center; white-space: nowrap;"><b>As Calculated</b><br><b>(after Cure Amount)<br></b><br><b>[Column 4]</b></td>
        </tr>
        <tr>
            <td style="width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: justify;">Debt Service Cover</td>
            <td style="width: 13%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">[&#9679;]:1</td>
        </tr>
        <tr>
            <td style="width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: justify;">Interest Cover</td>
            <td style="width: 13%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">[&#9679;]:1</td>
        </tr>
        <tr>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: justify;">Leverage Ratio</td>
            <td style="width: 13%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; vertical-align: middle; padding-right: 5.03pt; padding-left: 5.03pt; text-align: center;">[&#9679;]:1</td>
            <td style="width: 25%; padding-right: 5.03pt; padding-left: 5.03pt; vertical-align: middle; text-align: center;">[&#9679;]:1</td>
        </tr>
    </table>
    <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>We set out below calculations establishing the figures in paragraph 3:</p>
    <p style="margin-left: 25.5pt; text-align: justify;">[&#9679;]</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>[We confirm that no Default is continuing.]*</p>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Signed</td>
            <td style="width: 40%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..</td>
            <td style="width: 41%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..</td>
        </tr>
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#160;</td>
            <td style="width: 40%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Director</td>
            <td style="width: 41%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">Director</td>
        </tr>
        <tr>
            <td style="width: 18%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; text-align: justify;">&#160;</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;"><b>Cash Connect Management<br>Solutions Proprietary Limited</b></td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;"><b>Cash Connect Management<br>Solutions Proprietary Limited</b></td>
        </tr>
    </table>
    <br>
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        <p style="text-align: center;">131</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_145"></a>
    <p style="margin-bottom: 0pt; text-align: justify;"><b>NOTES:</b></p>
    <p style="margin-top: 0pt; text-align: justify;">*<font style="width: 25.24pt; display: inline-block;">&#160;</font>If this statement cannot be made, the certificate should identify any Default that is continuing and the steps, if any, being taken to remedy it.</p>
    <div id="footer_page_145">
        <p style="text-align: center;">132</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_146"></a>
    <p style="text-align: right;"><b>SCHEDULE 9</b></p>
    <p style="text-align: center;"><b>TRANSACTION SECURITY</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>The Borrower shall enter into security documents with the Finance Parties, or other Finance Party indicated below, to establish the Security set out below over the assets described below (except to the extent that any such asset is expressly excluded by a Transaction Security Document from the Security created under that agreement):</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a pledge and cession <i>in securitatem debiti </i>of all the shares, securities and other ownership interests it holds, from time to time, together with all its debt claims (on shareholder loan account or otherwise) against any such person;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti </i>of all its present and future claims, from time to time, against any person (including its trade debtors);</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti </i>of all its rights and claims in respect of bank accounts (including all cash balances standing to the credit of those bank accounts), from time to time;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti</i> of all insurances taken out by or for the benefit of the Borrower, from time to time, and all the proceeds receivable under those insurances at any time;</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>Each Obligor (other than the Borrower) shall enter into security documents with the Finance Parties, or other Finance Party indicated below, to establish the Security set out below over the assets described below (except to the extent that any such asset is expressly excluded by a Transaction Security Document from the Security created under that agreement):</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a pledge and cession <i>in securitatem debiti</i> of all the shares, securities and other ownership interests it holds, from time to time, (other than those in any subsidiary of Main Street 1723) together with all its debt claims (on shareholder loan account or otherwise) against any such person;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti</i> of all its present and future claims, from time to time, against any person (including its trade debtors);</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti</i> of all its rights and claims in respect of bank accounts (including all cash balances standing to the credit of those bank accounts), from time to time;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.4<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>a cession <i>in securitatem debiti</i> of all insurances taken out by or for the benefit of that Obligor, from time to time, and all the proceeds receivable under those insurances at any time;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.5<font style="width: 39pt; text-indent: 0pt; display: inline-block;">&#160;</font>general notarial bonds over the movable assets of Cash Connect Rentals, Deposit Manager and Main Street 1723.</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>Lesaka, Luxanio and Ovobix, being the shareholders of the Borrower immediately after the Acquisition, shall enter into a limited recourse second ranking pledge and cession <i>in securitatem debiti</i> with the Finance Parties with effect from the Acquisition Date over all the shares, securities and other ownership interests it holds, from time to time, in the Borrower and K2021, together with all its debt claims (on shareholder loan account or otherwise) against the Borrower and K2021.</p>
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        <p style="text-align: center;">133</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_147"></a>
    <p style="text-align: right;"><b>SCHEDULE 10</b></p>
    <p style="text-align: center;"><b>ACCEPTABLE LENDERS</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>SA BANKS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Absa Bank Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Standard Bank of South Africa Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Investec Bank Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">FirstRand Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Nedbank Group Limited</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>FINANCIAL INSTITUTIONS </b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Aluwani Capital Partners Proprietary Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Liberty Group Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Momentum Metropolitan Holdings Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Momentum Metropolitan Life Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Old Mutual Life Assurance Company (South Africa) Limited</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Old Mutual Limited</p>
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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>exhibit10-3.htm
<DESCRIPTION>EXHIBIT 10.3
<TEXT>
<html>

<head>
    <title>Lesaka Technologies, Inc.: Exhibit 10.3 - Filed by newsfilecorp.com</title>
</head>

<body style="font-size:10pt; font-family:'Times New Roman';">
    <hr width="100%" size="3" color="black" noshade="noshade"><a name="page_1"></a>
    <p style="text-align: right;">Exhibit 10.3</p>
    <p style="margin-bottom: 0pt; text-align: center;"><b>AMENDMENT NO. 1 TO</b></p>
    <p style="margin-top: 0pt; text-align: center;"><b>SECURITIES PURCHASE AGREEMENT</b></p>
    <p style="text-indent: 36pt; text-align: justify;">This <b>AMENDMENT NO. 1</b> (this "<b>Amendment</b>") to the <b>SECURITIES PURCHASE AGREEMENT</b> (the "<b>Securities Purchase Agreement</b>"), dated as of March 22, 2022, among <b>LESAKA TECHNOLOGIES, INC.</b> (formerly known as Net1 UEPS Technologies Inc.), a public company incorporated in the State of Florida (the "<b>Company</b>")<b> LESAKA TECHNOLOGIES PROPRIETARY LIMITED </b>(formerly known as <b>Net1 Applied Technologies South Africa Proprietary Limited"</b>, a private company incorporated in the Republic of South Africa "), and <b>VALUE CAPITAL PARTNERS PROPRIETARY LIMITED</b>, a private company incorporated in the Republic of South Africa ("<b>VCP</b>"), for itself and in its capacity as investment manager of the Funds, is dated as of March 16, 2023. Unless otherwise defined herein or the context otherwise requires, capitalized terms used herein and defined in the Securities Purchase Agreement shall be used herein as therein defined.</p>
    <p style="text-indent: 36pt; text-align: justify;"><b>WHEREAS</b>, in connection with certain discussions with VCP, the Company desires to amend the Securities Purchase Agreement as provided herein.</p>
    <p style="text-indent: 36pt; text-align: justify;"><b>NOW, THEREFORE</b>, in consideration of the promises and the mutual representations, warranties, covenants and agreements set forth in this Amendment and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows:</p>
    <p style="text-indent: 36pt; text-align: justify;"><b>1. AMENDMENT</b>. The definition of "Maturity Date" contained in the Securities Purchase Agreement is hereby deleted in its entirety and replaced with the following:</p>
    <p style="margin-left: 36pt; text-indent: 31.5pt; text-align: justify;">"<b>Maturity Date</b>" means December 31, 2025.</p>
    <p style="margin-bottom: 0pt; text-indent: 36pt; text-align: justify;"><b>2. ADDITIONAL COMMITMENT FEE</b>. In addition to any amount already paid pursuant to Section 4(a) of the Securities Purchase Agreement, the Company shall pay VCP, for the benefit of the Purchasing Funds, an additional commitment fee in an amount equal to Seven Million Seven Hundred And Fifty Thousand South African Rand (ZAR 7,750,000), excluding VAT, in aggregate, free of exchange and bank charges and without deduction or set-off of any nature, which fee shall become due and payable in accordance with the following schedule:</p>
    <p style="margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt; text-align: justify;">40% no later than five Business Days from the date of execution of this Amendment</p>
    <p style="margin-top: 0pt; margin-bottom: 0pt; text-indent: 36pt; text-align: justify;">30% on March 31, 2024; and</p>
    <p style="margin-top: 0pt; text-indent: 36pt; text-align: justify;">30% on March 31, 2025.&#160;</p>
    <p style="text-indent: 36pt; text-align: justify;"><b>3. REPRESENTATIONS AND WARRANTIES</b></p>
    <p style="text-indent: 49.5pt; text-align: justify;">(a) <u>VCP Bring Down</u>. VCP hereby makes the representations and warranties to the Company as set forth in Section 2 of the Securities Purchase Agreement (as amended hereby) as if such representations and warranties were made as of the date hereof and set forth in their entirety in this Amendment.</p>
    <p style="text-indent: 49.5pt; text-align: justify;">(b) <u>Company Bring Down</u>. The Company hereby makes the representations and warranties to VCP as set forth in Section 3 of the Securities Purchase Agreement (as amended hereby) as if such representations and warranties were made as of the date hereof and set forth in their entirety in this Amendment.</p>
    <p style="text-indent: 36pt; text-align: justify;"><b>4. MISCELLANEOUS</b></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-indent: 36pt; text-align: justify;">(a) <u>Waiver of Consent to Modification of Financing Agreements</u>. VCP hereby waives any rights or claims it may have with respect to Section 4(f) of the Securities Purchase Agreement in connection with any amendments to the agreements containing the Loan Facilities entered as of or prior to the date of this Amendment.</p>
    <p style="text-indent: 36pt; text-align: justify;">(b) <u>Acknowledgement; Reaffirmation of Obligations; Consent</u>. The parties hereto hereby confirm and agree that except as set forth in Section 1 above, the Securities Purchase Agreement is, and shall continue to be, in full force and effect and are hereby ratified and confirmed in all respects.</p>
    <p style="text-indent: 36pt; text-align: justify;">(c) <u>General</u>. Section 7(a) of the Securities Purchase Agreement is hereby incorporated by reference herein, <i>mutatis mutandis</i>.</p>
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    <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" />
    <link:definitionArc order="19" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_CityAreaCode" xlink:type="arc" />
    <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>8
<FILENAME>lsak-20230316_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>9
<FILENAME>lsak-20230316_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-20230316.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" />
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	<!-- 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" />
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    <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" />
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	<!-- 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" />
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    <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" />
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	<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" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationLineItems" xlink:label="loc_dei_DocumentInformationLineItems" xlink:type="locator" />
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	<!-- Document info -->

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    <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" />
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    <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" />
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	<!-- 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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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:type="locator" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_dei_EntityAddressAddressLine2" xlink:type="locator" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:type="locator" />
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    <link:presentationArc order="27" 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_PreCommencementTenderOffer" xlink:type="arc" />
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	<!-- 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" />
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<FILENAME>exhibit10-1x003.jpg
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<DOCUMENT>
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<DOCUMENT>
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<TYPE>XML
<SEQUENCE>18
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<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;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm140362475226784">
<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>Mar. 16, 2023</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">Mar. 16,  2023<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">Mar. 16,  2023<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>
</table>
<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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
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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_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>
</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>
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<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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentCreationDate">
<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>
</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_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>
</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:stringItemType</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_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>
<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_Security12bTitle</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:securityTitleItemType</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_SecurityExchangeName">
<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 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>
<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_SecurityExchangeName</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:edgarExchangeCodeItemType</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_SolicitingMaterial">
<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 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>
<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_SolicitingMaterial</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_TradingSymbol">
<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>Trading symbol of an instrument as listed on an exchange.</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_TradingSymbol</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:tradingSymbolItemType</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_WrittenCommunications">
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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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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
