This Agreement constitutes a contract between you and TYME and governs your use of all

TYME Services. By using TYME Services you agree with and accept all of the terms and

conditions contained in this Agreement.

TYME reserves the right to amend this Agreement at any time by posting a revised version

on our website and mobile app. The revised version will be effective at the time we post it.

Consumers and Vendors are advised to read these terms and conditions carefully for they

govern access to and usage of TYME Services.

TYME may close, suspend, or limit your access to your Account or the TYME

Services, and/or limit access to your funds if you violate this Agreement, the TYME

Acceptable Use Policy, or any other agreement you enter into with TYME.

You are solely responsible for understanding and complying with any and all laws,

rules and regulations of your specific jurisdiction that may be applicable to you in

connection with your use of the TYME Services.

1. PAYMENT SERVICES AND

ELIGIBILITY.

TYME is not a remittance business or a money transfer service and the ReLoad feature may not be

used to remit funds to third parties. This service is strictly for Botswana jurisdiction.

TYME does not have any control over, and is not responsible or liable for, the products or services

that are paid for with our TYME Service. TYME cannot ensure that a Buyer or a Seller you are

dealing with will actually complete the transaction.

You, as the user/vendor, can update your cell phone number or city/town at any time by logging into

the TYME website. If your cell phone number or address becomes invalid TYME may deem your

Account to be inactive, and you will not be able to transact any activity using your TYME Account

until TYME receives a valid, working cell phone number from you.

 Payment Services. TYME is a platform that allows users to pay service providers from

anywhere in the country and acts as such by creating, hosting, maintaining and providing our

TYME Services to you via the Internet. Our services allow you to process Pre-paid transactions,

for example buy electricity, buy airtime, pay local and international local companies. TYME

platform allows users/vendors to send payments to anyone with a TYME Account, and, where

available, to receive payments. Money loaded on to the TYME Account is available for use on

the account for a period of 7 days. Any money not utilized should be withdrawn by the user.

 Eligibility. You must be 18 years old or older to be eligible to use services rendered by

TYME. If a minor is assisted by an adult and wishes to use TYME services, TYME may process

such transactions at its own sole discretion.

 Information. For user/vendor to open and maintain an Account, the user/vendor must

provide TYME with correct and updated Information during the registration process.

 Your contact information. It is the user/vendor’s sole responsibility to keep primary contact

cell phone number up to date so that TYME can communicate with the user/vendor via sms.

You, as the user/vendor understand and agree that if TYME sends you an electronic

communication but you do not receive it because your primary cell phone on file is incorrect, out

of date, blocked by your service provider, or you are otherwise unable to receive mobile text

messages, TYME will be deemed to have provided the communication to you effectively.

 Transaction Notification. TYME will issue an in-app notification to the relevant party for

each and every transaction that occurs.

 Identity Verification. You authorize TYME, directly or through third parties, to make any

inquiries we consider necessary to validate your identity. This may include asking you for further

information or documentation, requiring you to provide a taxpayer or national identification

number, requiring you to take steps to confirm the cell phone number you have entered when

registering for an account or verifying your Information against third party databases or through

other sources.

 Beneficial Owner. You must be the beneficial owner of the Account, and conduct business

only on behalf of yourself and customers for a fee as determined by TYME. TYME may close,

suspend, or limit your access to your Account or the TYME Services, and/or limit access to your

funds if you violate the fee structure set by TYME when providing such services to customers as

a vendor.

2. LOADING MONEY INTO YOUR

TYME ACCOUNT

TYME will process any deposit and load the money into the user/vendor`s TYME as quickly as

possible. If the funds are not loaded after 1 hour from depositing, the user/vendor must contact

TYME for assistance.

 Deposit Limits. We,at TYME, may at our discretion, impose limits on the amount of money

that you can load into your TYME account. You can view your account limit, if any, by logging

into your Account. If you have a Verified Account, we may increase your account limits.

 Methods used to Load money.There is only one method accepted by TYME to load money

into your TYME account; TYME trusted super vendors.

 TYME offices and selected users/vendors - contact TYME for a list of our office numbers

and trusted Super users/vendors.

DISCLAIMER

You shall not use money from criminal activities to execute any transaction in TYME and as the user

you fully indemnify TYME for use of their platform for any illegal activity. TYME reserves the right

to investigate the source of the money loaded into the account and monitor suspicious transactions

and report them to relevant authorities. TYME reserves the right to hold your funds to protect

TYME, Affiliates or a third party against the risk of Reversals, Chargebacks, Claims, fees, fines,

penalties and other liability. You will nonetheless remain liable for all obligations related to your

Account.

3. TRANSACTING USING TYME

ACCOUNT.

TYME account allows the user to execute a number of transactions on behalf of self or a customer.

TYME charges a transaction fee for every transaction processed on the platform. The fee is shared

between the user/vendor as determined by the TYME Transaction fee sharing formula. The

transaction fee structure is set and determined by TYME. TYME may close, suspend, or limit your

access to your Account or the TYME Services, and/or limit access to your funds if you violate the fee

structure set by TYME when providing such services to customers as a vendor

 Prepaid Airtime. User/vendor can purchase or sell prepaid pinless airtime for all mobile

networks to customers and self. The amount for each airtime sale transaction will be deducted

from the user/vendor`s TYME account. The transaction fee and transaction fee sharing formula

for this service is determined by mobile operators.

 Prepaid Electricity. User/vendor can purchase or sell prepaid electricity to customers and

self. The amount for each transaction will be deducted from the user/vendor`s TYME account.

The transaction fee and transaction fee sharing formula for this service is determined by utility

company.

Payment to Other companies. User/vendor can make payment to third party companies via his or

her account on behalf of self or a customer. Every transaction is charged a transaction fee as

determined by TYME and the transaction fee is shared by the user/vendor based on a formula

defined by TYME. . TYME may close, suspend, or limit your access to your Account or the TYME

Services, and/or limit access to your funds if you violate the fee structure set by TYME when

providing such services to customers as a vendor.

4. CLOSING YOUR ACCOUNT.

 How to Close Your Account. You may close your Account at any time by following the

instructions in your Account Profile. Upon Account closure, we will cancel any pending

transactions and you will forfeit any balances associated with Redemption Codes, unless

otherwise legally prohibited. You must withdraw your balance prior to closing your Account.

 Limitations on Closing Your Account. You may not evade an investigation by closing your

Account. If you close your Account while we are conducting an investigation, we may hold your

funds to protect TYME, Affiliates or a third party against the risk of Reversals, Chargebacks,

Claims, fees, fines, penalties and other liability. You will remain liable for all obligations related

to your Account even after the Account is closed.

5. TYME USER/VENDOR AND

CUSTOMER PROTECTION.

5.1 Types of Problems Covered. TYME User Protection helps you if you encounter either of these

problems:

 "Account Not Credited" (ANC): Your TYME account was not credited with the amount

you deposited at the bank,OrangeMoney and any other form accepted by TYME;

 "Transaction Not Processed" (TNP): you made a transaction from your TYME account

and the amount for that transaction was deducted from your TYME account but TYME has not

met is transactional obligations.This relates to transactions that you as the User has authorized.

Here are some examples:

 The amount deducted from your TYME is more than the transaction amount inclusive of the

transaction fee.

 An Amount was deducted from your TYME account but the beneficiary of this transaction

received a different amount from the amount you transacted.

 A transaction has been on "PENDING" status for more than 4hours.

5.2 Eligibility Requirements.

A. To be eligible for TYME User Protection you must meet all of the following requirements:

 The transaction must be for a legal purpose or service and/or origin of funds from a legal

source or activity

 You must be 18 years old or older

 Open a Dispute within 2 days from the date you processed the transaction

 Have an Account in good standing

 You have not received a recovery related to the transaction from another source

TYME will not find in your favor if you escalate a Dispute to a Claim when a transaction is not

eligible for TYME User Protection e.g. proceeds from criminal activities.

5.3 Coverage Amount. If you are eligible for TYME User Protection and TYME finds in your favor

on your Claim, TYME will reimburse you for the full transaction amount and original transaction

fee.

5.4 Dispute Resolution. If you are not satisfied with a certain transaction, you can follow this

process:

 Open a Dispute. Open a Dispute within 2 Days of the date the transaction was processed.

TYME representatives will do their best to remedy the problem.

 Escalate the Dispute to a Claim. If you and TYME representatives are unable to reach a

solution, you can escalate the Dispute to a Claim within 20 Days after opening the Dispute. If

you do not escalate the Dispute to a Claim within 20 Days, TYME will permanently close the

Dispute

 Resolution meeting. If you and TYME representatives are unable to reach a solution, have

escalated the Dispute to a Claim within 20 Days after opening the Dispute; a meeting will be

convened between you and TYME top management to reach an amicable solution. You

(user/vendor) are allowed to bring a representative to the meeting.

 Respond to TYME's requests for information in a timely manner. During the Claim

process, TYME may require you to provide documentation to support your position.

5.5 Claim Resolution Process. Once a Dispute has been escalated to a Claim, TYME will make a

final decision in favor of the user/vendor or customer. You may be asked to provide receipts (sms

notifications from TYME), third party evaluations, police reports, or anything else that TYME

specifies. TYME retains full discretion to make a final decision in favor of the user/vendor or

customer. In the event that TYME makes a final decision in favor of the user/vendor or customer,

each party must comply with TYME`s decision. TYME may refund the transaction in full or in part

depending on the nature and current status of the disputed transaction all in good faith.

5.6 Claims filed with Seller or other third parties. You may not file a Dispute/Claim under TYME

User Protection if you have already filed a claim with the Seller or another third party.

5.7 No Double Recovery.You may not receive reimbursement for a transaction under TYME User

Protection if you have already received payment for that transaction from another third party.

6. ERRORS AND UNAUTHORIZED

TRANSACTIONS.

6.1 Protection for Unauthorized Transactions and Errors. When an Unauthorized Transaction or

an Error occurs in your Account, TYME may cover you for the full amount of every eligible

Unauthorized Transaction or Error so long as you follow the procedures below.

An Unauthorized Transaction occurs when a payment is sent from your Account that you did not

authorize and that did not benefit you. For example, if someone steals your password, uses the

password to access your Account, and sends a payment from your Account, an Unauthorized

Transaction has occurred. If you give someone access to your Account (by giving them your login

information) and they conduct transactions without your knowledge or permission, you are

responsible for any resulting use.

6.2 Notification Requirements.

A. You should immediately notify TYME if you believe:

 there has been an Unauthorized Transaction or unauthorized access to your Account;

 there is an Error in your Account history statement (you can access your Account history

statement by logging into your Account and clicking on a link to "Transaction History") or in

your transaction confirmation sent to you by sms;

 your password has been compromised;

 your TYME registered cell phone has been lost, stolen or deactivated; or

 you need more information about a transaction listed on the statement or transaction

confirmation.

B. To be eligible for protection for Unauthorized Transactions, you must notify us within 2 Days

after any Unauthorized Transaction first appears in your Account history statement. We will extend

the 2 Day time period if a good and demonstrable reason, such as a hospital stay, kept you from

notifying us within the stipulated period.

You should regularly log into your Account and review your Transaction history to ensure that there

has not been an Unauthorized Transaction or Error. TYME will also send an sms to the primary cell

phone number you have provided in order to notify you of each transaction from your Account. You

should also review these transaction confirmations to ensure that each transaction was authorized and

is accurate.

For Unauthorized Transactions or Errors in your Account, notify us as follows:

 Email us at errors@TYME.co.bw

 Write to TYME

 Call TYME Customer Service at +267 7171 3305

When you notify us, provide us with all of the following information:

 Your name and cell phone number registered to your Account;

 A description of any suspected Unauthorized Transaction or Error and an explanation as to

why you believe it is incorrect or why you need more information to identify the transaction; and

 The amount of any suspected Unauthorized Transaction or Error.

If you notify us orally, we may require that you send us your complaint or question in writing within

7 Business Days. During the course of our investigation, we may request additional information from

you.

6.3 TYME Actions after Receipt of Your Notification. Once you notify us of any suspected

Unauthorized Transaction or Error, or we otherwise learn of one, we will do the following:

 We will conduct an investigation to determine whether there has been an Unauthorized

Transaction or Error that is eligible for protection.

 We will complete our investigation within 20 Business Days of the date we received your

notification of the suspected Unauthorized Transactions or Error. If your Account is new (the

first transaction from your Account was less than 30 Business Days from the date you notify us),

we may take up to 10 Business Days to complete this investigation. If we need more time, we

may take up to 45 Days to complete our investigation.

 We will inform you of our decision within 3 Business Days after completing our

investigation.

If we determine that there was an Unauthorized Transaction or Error, we will promptly credit the full

amount into your Account within 1 Business Day of our determination.

If we decide that there was not an Unauthorized Transaction or Error, we will include an explanation

of our decision in our email to you. You may request copies of the documents that we used in our

investigation.

6.4 TYME Errors. We will rectify any Error that we discover. If the Error results in your receipt of

less than the correct amount to which you are entitled, TYME will credit your Account for the

difference. If the Error results in your receipt of more than the correct amount to which you are

entitled, TYME will debit the extra funds from your Account.

6.5 Your Errors. If you erroneously send a payment to the wrong party, or send a payment for the

wrong amount (based on a typographical error, for example), your only recourse will be to contact

the party to whom you sent the payment and ask them to refund the payment. TYME will not

reimburse you or reverse a payment that you have made in error.

7. RESTRICTED ACTIVITIES.

 Restricted Activities.In connection with your use of our website, your Account, the TYME

Services, or in the course of your interactions with TYME, other Users, or third parties, you will

not:

A. Breach this Agreement, any other Policy that you have agreed to with TYME;

B. Violate any law, statute, ordinance, or regulation;

C. Infringe TYME's or any third party's copyright, patent, trademark, trade secret or other intellectual

property rights, or rights of publicity or privacy;

D. Pay for counterfeit goods;

E. Act in a manner that is defamatory, trade libelous, threatening or harassing to our employees,

agents or other Users;

F. Provide false, inaccurate or misleading Information;

G. Engage in potentially fraudulent or suspicious activity and/or transactions;

H. Refuse to cooperate in an investigation or provide confirmation of your identity or any

Information you provide to us;

I. Receive or attempt to receive funds from both TYME and recipient, bank or card issuer for the

same transaction during the course of a Dispute;

J. Control an Account that is linked to another Account that has engaged in any of these Restricted

Activities;

K. Conduct your business or use the TYME Services in a manner that results in or may result in

complaints, Disputes, Claims, fees, fines, penalties and other liability to TYME, other Users, third

parties or you;

L. Have a credit score from a credit reporting agency that indicates a high level of risk associated

with your use of the TYME Services;

M. Use your Account or the TYME Services in a manner that TYME and any other electronic funds

transfer network reasonably believes to be an abuse of the financial system.

N. Allow your Account to have a negative balance;

O. Disclose or distribute another User's Information to a third party, or use the Information for

marketing purposes unless you receive the User’s express consent to do so;

P. Take any action that imposes an unreasonable or disproportionately large load on our

infrastructure;

Q. Facilitate any viruses, trojan horses, worms or other computer programming routines that may

damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or

Information;

R. Use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt

to interfere with our website or the TYME Services; or

S. Take any action that may cause us to lose any of the services from our Internet service providers,

payment processors, or other suppliers.

8. YOUR LIABILITY - ACTIONS WE

MAY TAKE.

8.1 Your Liability.

A. General. You are responsible for all Reversals, Claims, fees, fines, penalties and other liability

incurred by TYME, a User, or a third party caused by or arising out of your breach of this

Agreement, and/or your use of the TYME Services. You agree to reimburse TYME, a User, or a third

party for any and all such liability.

B. Liability for instructions given by you on your Account. Any instructions given by you on your

Account (whether verbal or in writing) once you have been authenticated will be relied on by TYME.

TYME will not be liable for any loss or damage you or anyone else suffers where TYME acts on

those instructions in good faith, unless it was proved that TYME was grossly negligent.

8.2 Reimbursement for Your Liability. In the event that you are liable for any amounts owed to

TYME, TYME may immediately remove such amounts from your balance. If you do not have a

balance that is sufficient to cover your liability, your remaining balance (if any) will be removed,

your Account will have negative balance up to the amount of your liability, and you will be required

to immediately Add Money to your TYME balance or reimburse TYME through an alternative

method. If you do not do so, TYME may engage in collection efforts to recover such amounts from

you.

8.3 Actions by TYME – Restricted Activities. If TYME, in its sole discretion, believes that you

may have engaged in any Restricted Activities, we may take various actions to protect TYME,

Affiliates other Users, other third parties or you from Reversals, Claims, fees, fines, penalties and

any other liability. The actions we may take include but are not limited to the following:

A. We may immediately and without notice close, suspend, or limit your access to your Account or

the TYME Services;

B. We may suspend your eligibility for TYME User

C. We may refuse to provide the TYME Services to you now and in the future; and

D. We may hold your funds for a period of time reasonably needed to protect against the risk of

liability to TYME or a third party, or if we believe that you may be engaging in potentially fraudulent

or suspicious activity and/or transactions.

8.4 Actions by TYME - Account Closure, Termination of Service, Limited Account Access;

Confidential Criteria.TYME, in its sole discretion, reserves the right to terminate this Agreement

and/or access to the TYME Services for any reason and at any time upon reasonable notice and

payment to you of any unrestricted funds held in your balance. If we limit access to your Account,

including through a Reserve or hold, we will provide you with notice of our actions, and the

opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. Further,

you acknowledge that TYME’s decision to take certain actions, including limiting access to your

Account, placing holds or imposing Reserves, may be based on confidential criteria that is essential

to our management of risk, the security of Users’ Accounts and the TYME system. You agree that

TYME is under no obligation to disclose the details of its risk management or its security procedures

to you.

9. DEFINITIONS.

 "Account Profile" means the location on our website where you can, after logging in, view

and manage your profile, including your personal information,

 "Account" or "TYME Account" means a Personal or Business TYME Account.

 "Add Money" or "Top Up"means your ability to transfer money from your bank account to

your TYME Account. Other methods eg bank deposits, OrangeMoney are permitted by TYME

 "Affiliate"means TYME, Bargain Adds (Pty) Limited or a company that is a direct or

indirect, or otherwise related to TYME through common ownership or control.

 "Authorize" or "Authorization" means a user/vendor’s express authorization to a third

party to use the user/vendor’s TYME Account.

 "Business Days" means Monday through Friday, excluding the official national holidays

recognized in Botswana.

 "Claim" means a challenge to a payment that a User/vendor files directly with TYME.

 "Commercial Entity Agreement" means the agreement that commercial entities are

required to enter into directly with TYME's payment processor(s).

 "Communications" means any Account or transaction information that TYME provides to

you, including: any Policies you agree to, including updates to these Policies; annual disclosure;

transaction receipts or confirmations; Account history statements; and tax statements we are

required to make available to you.

 "Customer" means any person or entity using the TYME Services without a TYME account

but does so via a USER (see definition of a user)

 "Customer Service" is TYME's customer support which can be accessed online via LIVE

CHAT

 "Days" means calendar days.

 "Dispute"means a dispute filed by a User directly with TYME

 "Error" means a processing error made by TYME or its suppliers in which your Account is

mistakenly debited or credited.

 "Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.

 "Information" means any Account information that you provide to us, including but not

limited to personal information, financial information, or other information related to you or your

business.

 "Instant Transfer" means a payment funded using the sender's bank account in which

TYME credits the recipient instantly.

 "Payment Method" means the payment method used to load money into your TYME

account. The following payment methods may be used to load money into your TYME (subject

to availability): internet transfer, direct bank deposits ,OrangeMoney and eWallet

 "TYME Services" means all our products and services and any other features, technologies

and/or functionalities offered by us on our website or through any other means.

 "TYME," "we," "us" or "our" means TYME,a division of Bargain Adds (Pty) Limited

 "Policy" or "Policies" means any Policy or other agreement between you and TYME that

you entered into on the TYME website, or in connection with your use of the TYME Services.

 "Preferred Communication Method" means a Communication Method that you select you

selected as the primary communication channel in which to receive information from TYME;by

default TYME uses instant sms.

 "Restricted Activities" means those activities described in Section 7 of this Agreement.

 "Substantial Change" means a change to the terms of this Agreement that reduces your

rights or increases your responsibilities.

 "Top Up"– see “Add Money” definition.

 "Transaction History Page" means the page on the TYME website titled "Transaction

History" that displays information about the transaction. This page is accessible from the

individual transaction in your Account on the TYME website.

 "Unauthorized Transaction" means as defined in Section 6 of this Agreement.

 "User or Vendor" means any person or entity using the TYME Services via the website by

opening an account, including you.

 "Verified Account" means an Account status that reflects that TYME has verified that an

Account holder has legal control of one or more of his or her Payment Methods. A Verified

Account status does not constitute an endorsement of a User or a guarantee of a User's business

practices.