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REMITTANCE SERVICES AGREEMENT

THIS REMITTANCE SERVICES AGREEMENT ("AGREEMENT") SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH BANK WILL PROVIDE THE REMITTANCE FACILITY TO YOU UPON YOUR REQUEST. THESE TERMS AND CONDITIONS AFFECT YOUR RIGHTS AND YOU SHOULD READ THEM CAREFULLY. BY ACCESSING AND USING THE REMITTANCE FACILITY, YOU ACCEPT AND AGREE TO THE TERMS AND CONDITIONS IN THIS AGREEMENT.

The act of registration and the use of the Remittance Facility mean that you agree to accept and be bound by this Agreement. If you do not agree to the terms and conditions of this Agreement set forth below, do not access this website, or any pages thereof. Please note that by clicking on "I AGREE" it will be deemed that you have read and understood this Agreement and that you agree to accept and abide by this Agreement.

Bank may in its sole discretion modify this Agreement from time to time without any prior notice to you. Unless otherwise specified by Bank, all modifications shall take effect automatically and shall become part of this Agreement and be binding on you beginning on the day they are posted on the website. By continuing to access or use the Remittance Facility, you will be deemed to have agreed to accept and be bound by any modifications to this Agreement.

The above terms and conditions are in addition to the terms and conditions that JITPay, Inc. (hereinafter referred to as "Portal") may require or such other terms and conditions otherwise now or hereafter agreed or deemed to be agreed by you.

1. Definitions in this Agreement.

The words "you" and "your" refer to the person who accepts and agrees to the terms and conditions of this Agreement.

The words "we", "us" and "Bank" refer to Citibank, N.A.

The word "Beneficiary" refers to the person that you designate to receive the funds from the remittance payment.

The word "Business Day" means any day that is not a Saturday, Sunday or bank holiday for Bank.

The word "Payment Account" means the credit, debit or prepaid card account or bank account (or such other account that Bank agrees to accept from time to time for use hereunder and that you authorize Bank to charge) that you provide to Bank for Bank to charge for payment for your use of the Remittance Facility. The Payment Account must be issued or held in your name by a U.S. depository institution.

The words "Remittance Payment" means the payment of funds that you request and authorize through the Remittance Facility to process and deliver to the Beneficiary.

The words "Remittance Facility" means the service whereby you may request the delivery of a remittance payment to the Beneficiary in the country of the Beneficiary.

2. Scope of Agreement.

2.1     This Agreement applies to the remittance payments that you request through the Remittance Facility. You also may be subject to terms and conditions when using the Portal website and other Portal services. The Bank is only responsible for processing remittance payments you request and authorize through the Remittance Facility. Portal is solely responsible for operating the Remittance Facility website and for responding to customer service questions you may have regarding the Remittance Facility.

2.2     Portal is not affiliated with, or controlled by, Bank. Bank is not responsible to you or any other person (i) for any acts or omissions of Portal, or (ii) for your use of the website or any other services (including remittance services) that may be offered to you by Portal or by any of the service providers of Portal. You should review the terms and conditions of website operated by Portal for terms governing your use of that website.

3. Registration Information.

3.1     You will be required to provide certain information that identifies each person who seeks to register to use the Remittance Facility or who requests a Remittance Payment, such as your name, address, date of birth and other information that will allow us to identify you. You agree to provide complete and accurate information in connection with the registration process and you further agree to update this information as may be reasonable or necessary to keep it complete and accurate at all times.

3.2     Use of the Remittance Facility is granted subject to our ability to verify your identity. .If you do not provide accurate and complete information during registration or when requesting a Remittance Payment, we have the right to prohibit you from using the Remittance Facility or decline to process the request. In addition, if you do not provide accurate and complete information during registration or when requesting a Remittance Payment, you may cause errors in your requested remittance payment.

3.3     You authorize Bank to request a credit report on you and to obtain information from other third parties and financial institutions regarding you, the Beneficiary, or the Payment Account. The home address that you provide when registering must be the same as the billing address for your credit card, debit card or prepaid card. Bank may seek to verify your registration information and any other information in connection with a request for a Remittance Payment, but is under no obligation to do so. You acknowledge that Bank is relying upon the information you provide.

3.4     Each time you access the Remittance Facility, you shall be deemed to have confirmed the accuracy and completeness of all registration information.

4. Description of the Remittance Facility.

4.1     You may use the Remittance Facility to send money to a Beneficiary located in a country other than the United States. The Remittance Facility may only be used to send Remittance Payments to a Beneficiary located in any permissible beneficiary country designated on the Remittance Facility website from time to time. Bank and Portal-designated service providers will process the remittance payment and make funds available for receipt by the designated Beneficiary as described below. You must be at least eighteen (18) years of age and a resident of the United States in order to use the Remittance Facility.

4.2     Use of the Remittance Facility does not establish a checking account or any other form of a bank account for you or the Beneficiary with Bank or any of its distribution agents. The Remittance Facility does not constitute or create a fiduciary or escrow capacity between you and Bank or Portal. Funds held while processing a Remittance Payment request are not insured by the Federal Deposit Insurance Corporation or any other government authority. The Remittance Facility is not a funds transfer service, and your request for a Remittance Payment is not a payment order or other request for a funds transfer.

5. Authority to Charge Payment Account; Fees and Expenses.

5.1     You agree to pay for the amount of the Remittance Payment and Bank's transaction and currency conversion service fees and other charges for each Remittance Payment initiated or requested under the Remittance Facility. By requesting a Remittance Payment through the Remittance Facility, you authorize Bank to charge your Payment Account for the amount of the requested Remittance Payment and any service fees. You understand and acknowledge that Bank has no obligation to process or complete a requested Remittance Payment if Bank is unable for any reason to obtain authorization or settlement of the funds from charging your Payment Account for the amount of the requested remittance payment.

5.2     In the event that the charge to your Payment Account is subsequently returned, charged-back or canceled for any reason, and Bank has already processed your Remittance Payment request, you will be responsible to Bank for the amount of the Remittance Payment. You agree to pay such amount, plus any applicable service fee or non-sufficient funds (NSF) fee applicable to the return, to Bank immediately upon demand. You authorize us to debit your Payment Account for the amount of any of the foregoing amounts.

5.3     You may be subject to fees (including a cash advance fee) under your agreement with the bank or other financial institution that issues your credit card or debit card when you use such a card for a remittance payment. You should review your card agreement regarding such potential fees.

6. Reliance by Bank

You represent and warrant that all information that you enter regarding the Remittance Payment is true and complete. When processing a Remittance Payment, Bank may rely on the registration information and remittance payment request information that you provide to Portal. You acknowledge that any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Bank shall have no liability for executing a Remittance Payment based upon the inaccurate or incomplete information you provided or entered.

7. Execution of a Remittance Payment Request.

If your Remittance Payment request is received by Bank on a day that is not a B Business Day or on a Business Day after an established cut-off time for processing, your Remittance Payment request will not be processed until the next Business Day. The applicable cut-off time may vary from time to time, and will be disclosed to you on the website for the Remittance Facility.

8. Payment of Funds to Receiver.

8.1     Bank and/or Portal-designated service providers will arrange for the delivery of the Remittance Payment to the Beneficiary in the country of the Beneficiary. Payment will be made by means of currency (cash), by check, by stored value card (if available), credit to a bank account or credit card account (if available) or by other payment instrument. Not all payment methods are available in all countries, and Bank reserves right to change payment method options. Bank also reserves right to select form of payment to Beneficiary. Bank and/or Portal-designated service providers will use reasonable efforts to provide payment in form requested, but the Remittance Facility is not obligated to provide all these payment options for a specific Remittance Payment. If a Beneficiary cannot be located and identified, the Remittance Payment funds may be returned to you either by a credit to your Payment Account or by check payment, at Bank's option.

8.2     Bank reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a Remittance Payment. Bank may rely, without further investigation, upon identification information or documentation provided by you or a Beneficiary, including any code or identifier number of the Remittance Payment, when making a payment of funds to the Beneficiary. You and agree and acknowledge that Bank has the right to decline to deliver the payment to the Beneficiary if the Bank cannot verify the identity of the Beneficiary. Although Bank has the right to establish identification and verification requirements and the Beneficiary's failure to comply with them is a basis to decline the deliver the Remittance Payment, Bank has no obligation to establish any such requirements.

9. Currency of Remittance Payment.

9.1     Remittance Payments to Beneficiaries are generally made in the currency of the country within which the Beneficiary is located. If permitted by applicable law and the Remittance Facility, a Remittance Payment may be requested in U.S. Dollars.

9.2     If conversion is required, Bank and/or Portal-designated service providers will convert a U.S. dollar Remittance Payment to the local currency at the exchange rate for a transfer in that amount in effect at the time the Remittance Payment is placed in the system. Regardless of the currency transferred, the actual amount that the Beneficiary receives may be reduced by charges imposed by Bank, for converting the US Dollar payment to the local currency, or by other intermediary banks, including a service fee for currency conversion that the local bank in the destination country or the bank of the Beneficiary may charge. The fees for this currency conversion may vary. The amount of the fee will be advised to you by Portal when you request the Remittance Payment.

9.3     The foreign exchange conversion rate shown while entering the Remittance Payment instructions is only indicative to help you to arrive at an approximate amount that the Beneficiary will receive. It is not a guaranty that the foreign exchange conversion rate that will actually be applied when Bank executes the Remittance Payment will be the same. Rather, Bank will execute at the foreign exchange conversation rates prevailing on the day of conversion or such other rates as it shall determine in its discretion.

10. Permissible Remittance Payments.

You acknowledge that the Remittance Facility is not intended for use by any person in any jurisdiction or country where such use would be contrary to local law or regulation. You agree that you will only request a Remittance Payment that complies with this Agreement, applicable United States federal and state law, and applicable law in the country of the Beneficiary. You may only use the Remittance Facility to send Remittance Payments on your own behalf. You may not resell the Remittance Facility or use the Remittance Facility to make Remittance Payments on behalf of, or as agent for, another person. You agree that you will not request a Remittance Payment that would result in a violation of the laws or regulations of the United States, including without limitation, the economic sanctions administered by the U.S. Treasury Office of Foreign Assets Control and the U.S. anti-money laundering laws. You agree that you will provide information that Bank may request from time to time regarding your identity or the identity of the Beneficiary in order for Bank to comply with any applicable laws, including anti-money laundering laws. Bank may provide information regarding you, the Beneficiary and your use of the Remittance Facility to government authorities.

11. Rejection of Remittance Payment Request.

11.1     Bank has the right to reject your request for a Remittance Payment, or decline to complete a request for a Remittance Payment once it has been initiated or impose a dollar limitation on your Remittance Payment, without cause or prior notice to you. Without limiting the foregoing, Bank may suspend, delay or reject your Remittance Payment request:
(a) if the dollar value of one or more of your remittance payment requests exceed any transfer limits established for the Remittance Facility;
(b) if Bank is unable to charge your Payment Account for the amount of the requested remittance payment and related fees;
(c) if your request is incomplete or unclear;
(d) if Bank is unable to confirm your identity or verify any registration or Beneficiary information, including the identity of the Beneficiary;
(e) if Bank has some suspicion of fraud or irregularity or illegality;
(f) if Bank and/or Portal-designated service providers are unable to fulfill your request for any reason; or
(g) for any other reason that Bank in its sole discretion deems appropriate or necessary.

11.2     You understand and agree that if your request for a remittance payment is rejected for any reason, you will be informed of the rejection during your next online session, by electronic mail, or by any other reasonable means of notice.

11.3     You agree that if Bank declines to complete a request for a Remittance Payment for any of the reasons set forth in Section 11.1 above, Bank has the right to be reimbursed for any costs or expenses and has the right to retain any authorized fees it may have imposed in connection with the requested Remittance Payment.

12. Returns Due To Remitter Mistake.

If Bank is unable to complete disbursement of the Remittance Payment to the Beneficiary because you provided incorrect information about the Beneficiary, such as a wrong or misspelled name, a wrong or misspelled address, the wrong bank or bank account or any other misinformation, you will be liable for any costs, fees, expenses and losses that Bank incurs in returning the Remittance Payment to you, such as processing costs, losses arising due to exchange rate fluctuations, service charges and exchange commissions.

13. Delays or Non-Execution of Remittance Payment Request.

You agree that Bank shall not be responsible for any delay, failure to execute, or mis-execution of your Remittance Payment request due to circumstances beyond Bank's reasonable control, whether caused by strikes, power failures, equipment malfunctions, acts or omissions of any intermediary bank, war, riots, governmental or court orders, work stoppages or similar occurrences or circumstances. You further agree that that Bank may refuse to process or delay processing any request if it would violate any guideline, rule, policy or regulation of any government authority or funds transfer system. THE REMITTANCE FACILITY IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. BANK MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE REMITTANCE FACILITY. BANK DOES NOT WARRANT THE FUNCTIONALITY OF THE REMITTANCE FACLITY OR THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY INFORMATION RELATED THERETO AND EXPRESSLY DISCLAIMS LIABILITY FOR NON-FUNCTIONALITY OF THE REMITTANCE FACLITY OR ERRORS OR OMISSIONS IN ANY INFORMATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NONINFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE REMITTANCE FACLITY.

14. Request For Refund.

If you request the cancellation and refund of a previously requested Remittance Payment, Bank is under no obligation to process or honor such a request. In the event Bank does refund a previously requested Remittance Payment, the amount of funds that is returned to you may be less than you originally paid for the Remittance Payment because of service charges. Your returned funds will be in U.S. dollars. If your Remittance Payment was in a foreign currency, your returned funds will be in U.S. dollars at the exchange rate established by Bank on the date of return. Bank shall not be liable to you for any loss resulting from Bank's inability to cancel or refund a Remittance Payment. If Bank determines to refund Remittance Payment funds to you, these funds may be returned to you either by a credit to your Payment Account or by check payment, at Bank's option.

15. Limitation of Liability.

15.1     Bank will use commercially reasonable efforts to complete the Remittance Payment to the Beneficiary pursuant to your instructions. If the Remittance Payment is delayed or erroneously executed as a result of Bank's error or negligence, Bank's sole obligation to you is to correct the error or to refund the amount of the requested Remittance Payment and applicable Bank fees and charges.

15.2     Bank's liability is limited to, and can never exceed, the amount of the Remittance Payment and applicable Bank fees and charges, irrespective of the circumstances or the reasons for your loss.IN NO EVENT SHALL BANK BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY EVEN IF BANK OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

15.3     The foregoing shall constitute your exclusive remedy under or in connection with this Agreement and the Remittance Facility. You agree that the forgoing limitation is a reasonable limitation on your remedy under the circumstances of this Agreement and the Remittance Facility.

15.4     You have the responsibility to let us know of any error, delay or other problem with your Remittance Payment within 30 days from the date you receive notification that we have executed the Remittance Payment. If you fail to notify us of any claim concerning your Remittance Payment within one year from the date that you received notification that your Remittance Payment has been executed, any claim by you will be barred under applicable law.

16. Indemnity.

In consideration of the agreement by Bank to provide you with the Remittance Facility, you agree to indemnify and hold Bank harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses - including reasonable attorney's fees - in connection with or arising out of (i) your use of the Remittance Facility, (ii) your breach of this Agreement, or (iii) Bank acting upon your request for a remittance payment pursuant to this Agreement. Without limiting the generality of the foregoing indemnification obligation, you shall indemnify Bank for any losses caused due to any inaccurate, non- current or incomplete information that you provided to Bank and for any losses due to your failure to maintain the secrecy and confidentiality of all your IDs and passwords and due to the unauthorized use of your ID and/or password.

17. Arbitration of Disputes.

You understand and agree that Bank may require any dispute arising from your use of the Remittance Facility be resolved by binding arbitration. Bank may designate an arbitrator or arbitration panel located in New York, New York. Decisions of any arbitration process shall be binding on you.

18. Amendments.

Bank reserves the right to change the terms and conditions contained in this Agreement, which may include adding to them or deleting certain provisions entirely or partially, without prior notice to you, unless otherwise required by law, If we choose to notify you or are required by law to notify you of changes to this Agreement, we may mail or deliver a notice, a statement message, or an electronic message to you at the last address we have on file for you. Certain fees may change without notice to you.

19. Electronic Communications.

In order to use the Remittance Facility, you consent to receive and accept this Agreement, any amendment to this Agreement, and all notices relating to the Remittance Facility by means of electronic (email and website posting) communications. In the event any change to this Agreement requires prior notice to you, Bank or Portal will notify you by email, at the email address that you provided with registering for the Remittance Facility, of the amended Agreement or will provide you with a link in such email to where you may view the revised or amended Agreement. A record of each remittance payment will be made available to you by Bank or by Portal electronically at the Remittance Facility website or by email. You acknowledge and agree that in order to use the Remittance Facility you must have a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device. You agree that if you remove your consent to receive electronic communications, Bank will terminate your use of the Remittance Facility. You further acknowledge and agree that all email notices sent to you regarding the status of remittance payment request are only service messages, and will not be considered an official record of Bank or Portal with respect the remittance payment requested through the Remittance Facility. In the event of a conflict, the official records of the Bank will control over any service messages.

20. Governing Law.

This Agreement shall be governed by federal law of the United States of America and, where not in conflict with or preempted by such federal law, the laws of the state of New York, as applicable, without regard to conflict of law principles.

21. Use of Information; Privacy Policy.

Bank may use and disclose to third parties (including to Portal and/or Portal-designated service providers) your registration information and remittance payment information in order to process a requested remittance payment, to validate your registration information, to resolve a dispute, to enforce Bank's rights and for any other purposes permitted by law.

22. Agreement to Terms and Conditions.

By clicking "I Agree", you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement. You also confirm that you are able to print or download a copy of this Agreement.