CONSUMER ACH / DEBIT CARD PAYMENT /RCC AUTHORIZATION FORM

Hereby admit, confirm and declare that:

 I am of the intent to purchase products and services from UPAY Inc. (herein after called THE COMPANY), and that this authorization will be instrumental in the management of payments of such.

 That THE COMPANY, is expected to Manage the payments due in respect of such agreement;

 Therefore I must enable the COMPANY with the ability to manage such payments to the best of its ability, to ensure the best chance of success on such payments, by having:

Full and continuous access to my bank account, to establish the timing, frequency and amounts of Recurring Expenses and Income Payments;

The right to adjust the timing of such payments to synchronize the submissions with the expected receipt dates and times of my Income Payments;

The right to make use of any payment method, or combination of payment methods available, with the best chance of success;

 That I wish to make the payments towards above-mentioned products and services by way of electronic deductions or payment transactions against my bank accounts;

 That each of these scheduled payments in respect of the products and services mentioned above, must be regarded as herewith individually and separately mandated in terms of resubmission of such payments;

 That I wish my bank and THE COMPANY to assist me in every way possible to obtain the products and services, and to facilitate and manage the resulting payments by way of electronic payment methods as available to THE COMPANY;

 That I give this authorization voluntarily.

1. Therefore, I hereby request, instruct, authorize and mandate:
   • 2.1.THE COMPANY to act with full power of attorney on my behalf in terms of all actions needed to affect such electronic payments by utilizing, but not limited to, the following services:
     • 2.1.1.Electronic Balance Enquiries through EFT, ACH or Card transactions;
     • 2.1.2.3rd party Bank Account Aggregation Services;
     • 2.1.3.Debit Pull or Credit Push transactions, utilizing any one or a combination of:
       • 2.1.3.1.Electronic Funds Transfer (EFT) or
       • 2.1.3.2.using a paper or electronic Automated Clearing House (ACH) transaction, or
       • 2.1.3.3.a card transaction utilizing any bank cards issued on above bank accounts, or any other cards and accounts acquired previously or in future, or
       • 2.1.3.4.a Remotely Created Check (RCC);
   • 2.2.That all such withdrawals from and transactions against my bank accounts initiated by THE COMPANY shall be treated by all parties concerned, including my bank, as if they were initiated, authorized and signed by me personally.
   • 2.3.The above power of attorney to be used in order to effect payment from my bank accounts (bank accounts as stipulated above, or any other bank account which I may utilize in future) of the amounts necessary for the regular payments due in respect of the products and services mentioned in clause 1 above, on the days coinciding with my salary or any other regular income payment dates, until all monies due are paid in full;
   • 2.4.This Mandate, Power Of Attorney And Instruction to be valid from date of signing hereof, authorization to EFT/ACH and to charge my Card will remain in full force and in effect until I terminate it by giving the THE COMPANY written notice at least three (3) business days prior to the payment due date and until THE COMPANY has had a reasonable opportunity to act on my notice at THE COMPANY’s address listed on the Agreements, and up to a maximum amount not exceeding the total amounts due in respect of the products and services mentioned in clause 1 above.
   • 2.5.THE COMPANY to make use of a third party as my agent to process my Payment or Repayment.
   • 2.6.THE COMPANY to collect from my account at such dates and times as THE COMPANY may deem fit, as the dates and times

THE COMPANY