Terms and conditions for the provision of crypto-asset services

1. DEFINITIONS

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1.1. Application – a mobile application, including the Mobilum Pay application or another partner
application, through which the Customer gains access to crypto-asset services provided by NWA.
1.2. Blockchain – a decentralized, distributed ICT infrastructure (register) enabling the recording and
verification of transactions involving crypto assets, operating independently of NWA.
1.3. Business Day – a day from Monday to Friday, excluding public holidays in the territory of the
Republic of Poland.
1.4. Client - a natural person, legal person or organizational unit without legal personality, having legal
capacity, who has concluded an Agreement with NWA.
1.5. Conversion - a transaction consisting in the exchange of fiat currency for cryptoassets or
cryptoassets for fiat currency, carried out as part of the services provided by NWA.
1.6. Cryptoassets (Virtual currencies) - a digital representation of value within the meaning of Article
2(2)(26) of the Act of March 1, 2018, on counteracting money laundering and terrorist financing,
which is not: (a) a legal tender issued by the National Bank of Poland or another central bank, (b)
electronic money, (c) a financial instrument.
1.7. Crypto Wallet – maintained by NWA, in a custodial model, a set of blockchain addresses
assigned to the Customer, enabling the storage, receipt, and sending of crypto assets as part of
the services.
1.8. Customer Payment Account - a payment account maintained for the Customer by an authorized
payment institution, to which funds obtained as a result of the conversion of crypto assets into fiat
currency are transferred.
1.9. Terms and Conditions - these terms and conditions for the provision of cryptoasset services by
NWA.
1.10. Crypto Transfer - a transaction consisting in sending crypto assets from or to a Crypto Wallet,
recorded in the blockchain network.
1.11. Crypto Transaction - an action performed by the Customer as part of the services, including in
particular Conversion, Crypto Transfer, or other operations on crypto assets.
1.12. Travel Rule - identification and information obligations relating to cryptoasset transfers, resulting
from generally applicable law, in particular anti-money laundering and counter-terrorist financing
regulations.
1.13. Agreement - an agreement for the provision of crypto asset services concluded between the
Customer and NWA on the terms and conditions set out in the Terms and Conditions.
1.14. Services - services related to the storage of crypto assets, Conversion, Crypto Transfers, and
other activities specified in the Terms and Conditions, provided by NWA to Clients.
1.15. Fiat currency - legal tender issued by a central bank, approved by NWA for Conversion.
1.16. NWA - N.W.A limited liability company with its registered office in Warsaw, Plac Powstańców
Warszawy 2, 00-030 Warsaw, Poland, entered in the Register of Entrepreneurs of the National
Court Register under KRS number 0001137667, with NIP/VAT number: PL9571181011, REGON:
54016360000000, entered in the register of virtual currency activities as a Virtual Asset Service
Provider under number RDWW-1801, being the provider of the Services.
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2. SUBJECT OF THE AGREEMENT AND PRELIMINARY PROVISIONS

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2.1. The Terms and Conditions define the rules and conditions for the provision of crypto-asset
services by NWA to its Customers, in particular the storage, purchase, sale, conversion, and
transfer of crypto-assets, as well as the rights and obligations of the Parties related to the use of
these services.
2.2. NWA provides Services as an entity entered in the register of virtual currency activities,
maintained pursuant to the provisions of the Act on Counteracting Money Laundering and Terrorist
Financing, operating in accordance with the law of the Republic of Poland.
2.3. The services provided by NWA:
2.3.1. do not constitute banking services within the meaning of the Banking Law;
2.3.2. do not constitute payment services within the meaning of the Payment Services Act;
2.3.3. do not constitute investment services or investment advice.
2.4. NWA does not provide Clients with investment recommendations or advice on the acquisition,
disposal, or possession of crypto assets. Decisions made by the Client in connection with the use
of the Services are independent and are made at their own risk, subject to the liability of NWA
specified in the Terms and Conditions and generally applicable law.
2.5. The Terms and Conditions are separate from the Terms and Conditions of the Application and
other terms and conditions relating to services provided by third parties. Acceptance of the Terms
and Conditions is a prerequisite for using the Services.
2.6. The Services are provided electronically within the meaning of the Act of July 18, 2002, on the
provision of electronic services.
2.7. The conditions for using the Services are:
2.7.1. the Customer has a device that meets the minimum technical requirements specified in
the Application;
2.7.2. access to the Internet;
2.7.3. conclusion of the Agreement and fulfillment of the requirements for verification of the
Customer's identity, resulting from legal provisions.
2.8. The Terms and Conditions are made available to the Customer free of charge prior to the
conclusion of the Agreement, in a form that allows them to be obtained, reproduced, and recorded.
2.9. In matters not covered by the Terms and Conditions, the provisions of generally applicable law
shall apply, in particular the Civil Code, the Consumer Rights Act, and the Act on Counteracting
Money Laundering and Terrorism Financing.

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3. APPLICATION AND SERVICES PROVIDED ELECTRONICALLY

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3.1. The services provided by NWA are services provided electronically within the meaning of the Act
of July 18, 2002, on the provision of electronic services and are performed through the Application.
3.2. The Application enables the Customer, in particular, to:
3.2.1. access information about the Crypto Wallet;
3.2.2. submit instructions for Crypto Transactions, including Conversions and Crypto Transfers;
3.2.3. review the history of Crypto Transactions;
3.2.4. access legal documents, including the Terms and Conditions.
3.3. Access to the Application and use of the Services is possible after meeting the conditions
specified in the Terms and Conditions, in particular after concluding the Agreement and
successfully completing KYC/AML verification.
3.4. NWA informs that the proper use of the Application requires meeting the minimum technical
requirements specified in the Application or on the NWA website.
3.5. The Customer is obliged to use the Application and Services in accordance with their intended
purpose, the Terms and Conditions, and generally applicable law.
3.6. The materials, content, and technical solutions made available in the Application are subject to
legal protection, in particular under copyright and industrial property law.
3.7. NWA may introduce changes to the functionality of the Application, provided that such changes
do not violate the acquired rights of Customers and do not affect the scope of Services provided
under the concluded Agreement.

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4. SCOPE OF CRYPTOASSET SERVICES PROVIDED BY NWA

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4.1. NWA may provide cryptoasset services to Customers, including in particular:
4.1.1. storage of crypto assets in the Crypto Wallet (custody);
4.1.2. purchase of crypto assets for fiat currencies (buy);
4.1.3. disposal of crypto assets in exchange for fiat currencies (sell);
4.1.4. exchange of crypto assets between each other (swap);
4.1.5. Conversion of crypto assets within the Application;
4.1.6. Crypto transfers to external blockchain wallets;
4.1.7. transfer of funds obtained as a result of Conversion to the Customer's Payment Account.
4.2. The services are provided exclusively in relation to crypto assets and fiat currencies made
available by NWA in the Application.
4.3. As part of the provision of crypto asset storage services, NWA maintains a Crypto Wallet in a
custodial model, which means that the Customer's crypto assets are stored and managed by
NWA on behalf of the Customer.
4.4. NWA provides the Customer with access to information about the status of the Crypto Wallet and
the history of Crypto Transactions via the Application.
4.5. Cryptoasset conversions are carried out on the basis of the Customer's instructions submitted via
the Application, using the exchange rates applicable at the time of the Crypto Transaction, in
accordance with the rules set out in the Terms and Conditions.
4.6. In the case of conversion of crypto assets into fiat currencies, the funds obtained as a result of
the conversion are transferred by NWA to the Client's Payment Account, in particular for the
purpose of crediting the payment account linked to the payment card made available to the Client
within the Application.
4.7. Crypto transfers are carried out on the blockchain network appropriate for a given crypto asset,
taking into account the rules resulting from legal regulations, including obligations related to the
Travel Rule.
4.8. NWA may refuse to perform Services or individual Crypto Transactions in cases provided for in
the Terms and Conditions or legal regulations, in particular in the event of a suspected violation
of anti-money laundering and counter-terrorist financing regulations.
4.9. Individual Services or their components will be made available to Clients on a phased basis, and
the ability to use a given Service arises at the moment it is made available in the Application.

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5. CONCLUSION OF THE AGREEMENT AND VERIFICATION

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5.1. The agreement for the provision of Services is concluded between the Customer and NWA in
electronic form, upon acceptance of the Terms and Conditions by the Customer via the Application
and fulfillment of the conditions specified in the Terms and Conditions.
5.2. The Agreement may be concluded by a Customer with legal capacity, subject to the conditions
specified in the Terms and Conditions and legal regulations.
5.3. Prior to the conclusion of the Agreement, as well as during its term, NWA applies financial security
measures, including Customer identification and verification procedures (KYC), in accordance
with the provisions of the Act on Counteracting Money Laundering and Terrorist Financing.
5.4. The Customer is obliged to provide true, complete, and up-to-date data and documents necessary
to carry out KYC/AML verification, as well as to update them during the term of the Agreement.
5.5. NWA is entitled to use the services of third parties in the performance of its KYC/AML obligations,
provided that such third parties act on behalf of NWA and within the limits of applicable law.
5.6. NWA may refuse to conclude the Agreement or suspend the provision of Services in the event of:
5.6.1. a negative KYC/AML verification result;
5.6.2. the Customer fails to provide the required information or documents;
5.6.3. there is a reasonable suspicion of a violation of the law;
5.6.4. other circumstances provided for by law.
5.7. NWA shall inform the Customer of its refusal to conclude the Agreement or suspend the provision
of Services in a manner that allows the Customer to become familiar with this information, subject
to the restrictions resulting from the provisions of law.
5.8. Upon conclusion of the Agreement, the Customer shall gain access to the Services to the extent
specified in the Terms and Conditions, subject to the fulfillment of technical and regulatory
conditions.

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6. CUSTOMER'S CRYPTO WALLET

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6.1. As part of the provision of Services, NWA creates and maintains a Crypto Wallet for the Customer
in a custodial model, assigned individually to a given Customer.
6.2. The Crypto Wallet is used to store, receive, and send crypto assets covered by NWA's offer, in
accordance with the rules set out in the Terms and Conditions.
6.3. The Customer obtains access to information about the status of the Crypto Wallet, the history of
Crypto Transactions, and the addresses of the Crypto Wallet through the Application.
6.4. NWA ensures the use of appropriate technical and organizational measures to protect crypto
assets stored in Crypto Wallets, in accordance with applicable law and security standards.
6.5. The Customer is obliged to exercise due diligence in using the Application, in particular to secure
access data and to verify the Crypto Wallet addresses each time before making a Crypto Transfer.
6.6. NWA may temporarily block access to the Crypto Wallet in the event of:
6.6.1. suspicion of unauthorized access or security breach;
6.6.2. the need to fulfill obligations under the law, in particular in the area of anti-money
laundering and counter-terrorist financing;
6.6.3. the Customer violates the provisions of the Terms and Conditions;
6.6.4. at the request of authorized authorities.
6.7. NWA shall inform the Customer about the blocking of access to the Crypto Wallet and its reasons
in a manner that allows the Customer to become familiar with this information, subject to the
restrictions resulting from legal regulations.
6.8. The blocking of access to the Crypto Wallet is temporary and lasts until the reasons for its
application cease to exist or until the Agreement is terminated.

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7. CRYPTO TRANSACTIONS AND CONVERSIONS

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7.1. The Customer submits instructions for Crypto Transactions, including Conversions and Crypto
Transfers, via the Application, in accordance with the available functionalities.
7.2. Submitting a Crypto Transaction instruction requires confirmation by the Customer in the manner
provided for in the Application. Upon confirmation, the instruction is considered submitted. If the
Application generates an individual blockchain address for the Customer for the purpose of
performing a specific Service, sending crypto assets to that address is tantamount to the
Customer submitting an instruction to perform that Service, in accordance with the information
presented in the Application.
7.3. NWA may establish minimum or maximum thresholds (limits) applicable to specific Services or
Crypto Transactions, in particular with respect to conversions, crypto-asset transfers or funding
of the Client’s payment account. Such thresholds may depend, in particular, on the type of
Service, the type of crypto-assets, the Client’s verification level, applicable legal requirements or
technical and operational conditions. The currently applicable thresholds are displayed to the
Client in the Application each time prior to submitting a Crypto Transaction instruction.
7.4. As part of the provision of Services, cryptoasset conversions may be performed using market
mechanisms specific to the cryptoasset market, including through external liquidity sources.
7.5. Upon execution of a Crypto Transaction, the service covered by the Customer's instruction is
performed. Once a Crypto Transaction has been executed, it cannot be reversed or changed,
subject to mandatory provisions of law.
7.6. NWA is responsible for the correct acceptance and transmission of Crypto Transaction
instructions in accordance with the Terms and Conditions, although the outcome of a Crypto
Transaction may depend on market factors beyond NWA's direct control.
7.7. NWA may refuse to execute or suspend a Crypto Transaction in cases provided for in the Terms
and Conditions or legal provisions, in particular in the event of a suspected violation of AML
regulations or obligations under the Travel Rule.

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8. CRYPTO TRANSFERS AND TRAVEL RULE

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8.1. Crypto Transfers are executed on the basis of Customer instructions submitted via the
Application, in accordance with the functionalities provided by NWA.
8.2. The Customer is obliged to provide correct, complete, and up-to-date data concerning the
recipient of the Crypto Transfer, to the extent required by applicable law, including obligations
under the Travel Rule.
8.3. The Customer is responsible for the correctness of the data of the recipient of the Crypto Transfer,
in particular the blockchain address.
8.4. NWA is entitled to verify the data provided by the Customer in connection with the Crypto Transfer
and to request additional information or documents if required by law.
8.5. NWA may refuse to execute or suspend a Crypto Transfer in the event of:
8.5.1. the Customer fails to provide the required data or information;
8.5.2. a negative result of verification under the Travel Rule;
8.5.3. suspicion of a violation of the law, in particular AML regulations;
8.5.4. requests from authorized authorities.
8.6. Crypto Transfers are executed in the blockchain network appropriate for a given crypto asset.
NWA has no influence on the functioning of the blockchain network or on the time of confirmation
of a Crypto Transfer by that network.
8.7. NWA informs the Customer about the status of the Crypto Transfer to the extent resulting from
the functionality of the Application.

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9. RISKS RELATED TO CRYPTO ASSETS

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9.1. The Customer acknowledges that crypto assets are assets with an increased level of risk and that
the use of the Services involves the possibility of financial losses.
9.2. Price volatility risk. The value of crypto assets may be subject to significant and sudden
changes, both in the short and long term. Price volatility may lead to the loss of some or all of the
funds invested by the Customer.
9.3. Technological and operational risk. The use of crypto assets is based on information
technologies, including blockchain networks, which may be subject to failures, delays, errors, or
other disruptions. The occurrence of such events may affect the execution of Crypto Transactions.
9.4. Blockchain network risk. Transactions executed on the blockchain network are generally
irreversible once confirmed by the network. Incorrect recipient address or other irregularities may
result in the irreversible loss of crypto assets.
9.5. Regulatory risk. Laws governing crypto assets are subject to change. Regulatory changes may
affect the scope, manner, or terms of the Services and, in extreme cases, may lead to the
restriction or discontinuation of certain Services.
9.6. No guarantee of value. Crypto assets are not covered by deposit guarantee schemes or other
mechanisms for the protection of funds provided for banking or financial products.
9.7. The risk information contained in the Terms and Conditions is for informational purposes only and
does not cover all possible risks associated with crypto assets. The Customer is required to
independently assess the risks before deciding to use the Services.

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10. FEES AND COMMISSIONS

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10.1. The use of the Services may involve the Customer's obligation to pay fees and commissions to
NWA.
10.2. The Customer is informed about the applicable fees and commissions before submitting a Crypto
Transaction order, to the extent resulting from the functionality of the Application.
10.3. Fees and commissions may be charged in particular:
10.3.1. in fiat currency
10.3.2. in crypto assets;
10.3.3. by including them in the Conversion rate (spread).
10.4. The moment of charging fees and commissions depends on the type of Service or Crypto
Transaction.

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11. NWA'S OBLIGATIONS

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11.1. NWA undertakes to provide the Services with due diligence, in accordance with the Terms and
Conditions, generally applicable law, and taking into account the nature and specificity of crypto
assets.
11.2. NWA provides the Customer with access to the Services to the extent and under the conditions
specified in the Terms and Conditions, subject to restrictions resulting from legal provisions,
technical or regulatory reasons.
11.3. NWA undertakes to inform the Customer about significant circumstances relating to the provision
of the Services, in particular about changes to the Terms and Conditions or the functionality of the
Application, in the manner and within the time limits specified in the Terms and Conditions.
11.4. NWA shall apply technical and organizational measures to protect Customer data and crypto
assets stored in Crypto Wallets, in accordance with applicable law.
11.5. NWA fulfills its obligations under anti-money laundering and counter-terrorist financing
regulations, including identification obligations, monitoring of Crypto Transactions, and application
of the Travel Rule.
11.6. NWA provides the Customer with the possibility to submit complaints regarding the Services on
the terms specified in the Terms and Conditions.

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12. CUSTOMER OBLIGATIONS

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12.1. The Customer is obliged to use the Services and the Application in accordance with the Terms
and Conditions, their intended purpose, and generally applicable law.
12.2. The Customer is obliged to provide true, complete, and up-to-date data and to update it
immediately, in particular the data required under KYC/AML and Travel Rule procedures.
12.3. The Customer is responsible for maintaining the confidentiality of their access data to the
Application and for any actions taken using their access data, unless otherwise provided by
mandatory provisions of law.
12.4. The Customer is obliged to verify the details of each Crypto Transaction before confirming it, in
particular the exchange rate, fees, and the address of the recipient of the Crypto Transfer.
12.5. The Customer is obliged to immediately inform NWA about:
12.5.1. suspicion of unauthorized access to the Application or Crypto Wallet;
12.5.2. loss of control over access data;
12.5.3. other events that may affect the security of using the Services.
12.6. The Customer is obliged to refrain from using the Services in a manner contrary to the law, the
Terms and Conditions, or good manners, in particular for the purpose of:
12.6.1. violating AML regulations;
12.6.2. finance illegal activities;
12.6.3. violating the rights of third parties.
12.7. The Customer shall be liable for the consequences of actions or omissions contrary to the Terms
and Conditions, to the extent permitted by generally applicable law.

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13. LIABILITY

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13.1. NWA shall be liable to the Customer for non-performance or improper performance of the
Services, in accordance with the provisions of generally applicable law, in particular the Civil Code
and the Consumer Rights Act.
13.2. NWA shall not be liable for damages resulting from market risk related to crypto assets, in
particular for changes in their market value, provided that the Services have been performed in
accordance with the Terms and Conditions and the provisions of law.
13.3. NWA shall not be liable for the consequences of events resulting from the functioning of the
blockchain network over which NWA has no control, in particular for delays in the confirmation of
Crypto Transactions by the blockchain network, provided that NWA has exercised due diligence
in transmitting Crypto Transaction instructions.
13.4. No provision of the Terms and Conditions excludes or limits NWA's liability to the Customer to the
extent that such exclusion or limitation would be prohibited under generally applicable law.
13.5. The provisions of the Terms and Conditions do not affect the Customer's rights under mandatory
provisions of law, in particular provisions on liability for compliance of performance with the
Agreement.

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14. COMPLAINTS

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14.1. The Customer has the right to submit complaints regarding the Services provided by NWA.
14.2. Complaints may be submitted in particular:
14.2.1. in electronic form via the Application or to the e-mail addresssupport@mobilum.com ;
14.2.2. in writing to the address of NWA's registered office.
14.3. The complaint should include at least:
14.3.1. the Customer's identification details;
14.3.2. a description of the event giving rise to the complaint;
14.3.3. the Customer's request.
14.4. NWA shall consider the complaint immediately, but no later than within 14 days of its receipt.
14.5. The response to the complaint shall be provided to the Customer in a durable medium.
14.6. If NWA does not respond to the consumer's complaint within the time limit referred to in point
14.4, it shall be deemed that NWA has accepted the complaint.
14.7. A Customer who is a consumer has the option of using out-of-court methods of complaint handling
and redress. Detailed information on the available out-of-court dispute resolution procedures,
including the rules of access to these procedures, is available from the relevant Municipal or
District Consumer Ombudsmen and on the website of the Office of Competition and Consumer
Protection (https://uokik.gov.pl).
14.8. The use of the complaint procedure does not exclude the Customer's right to pursue claims in
court.

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15. AMENDMENTS TO THE TERMS AND CONDITIONS

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15.1. NWA may amend the Terms and Conditions only for the following important reasons:
15.1.1. a change in the law or its interpretation by the competent authorities;
15.1.2. a change in the scope or manner of providing the Services, including the introduction of
new Services or functionalities;
15.1.3. the need to adapt the Terms and Conditions to security requirements, including ICT
security;
15.1.4. organizational or technological changes on the part of NWA that affect the manner in
which the Services are provided.
15.2. NWA shall inform the Customer of any planned changes to the Terms and Conditions in advance,
no less than 14 days before the date of entry into force of the changes, by providing the content
of the amended Terms and Conditions on a durable medium.
15.3. Amendments to the Terms and Conditions require the Customer's express acceptance via the
Application.
15.4. Failure to accept the amended Terms and Conditions shall result in the inability to continue using
the Services after the date indicated by NWA as the date of entry into force of the changes, subject
to the Customer's rights under mandatory provisions of law.
15.5. Amendments to the Terms and Conditions shall not affect the rights acquired by the Customer
prior to the date of entry into force of such amendments.

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16. TERM AND TERMINATION OF THE AGREEMENT

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16.1. The Agreement is concluded for an indefinite period.
16.2. The Customer has the right to terminate the Agreement at any time, without giving any reason,
with immediate effect, unless otherwise provided by mandatory provisions of law.
16.3. NWA may terminate the Agreement with 14 days' notice for the following important reasons:
16.3.1. violation of the provisions of the Terms and Conditions by the Customer;
16.3.2. violation of the law by the Customer;
16.3.3. inability to continue providing the Services for legal or regulatory reasons;
16.3.4. failure by the Customer to comply with obligations under AML regulations.
16.4. NWA may terminate the Agreement with immediate effect in the event of:
16.4.1. the continued provision of the Services would be contrary to the law or would involve a
significant risk of violating those provisions;
16.4.2. gross violation of the provisions of the Terms and Conditions.
16.5. The following shall be considered a gross violation of the Terms and Conditions:
16.5.1. use of the Services in a manner contrary to the law, including anti-money laundering and
counter-terrorist financing regulations;
16.5.2. providing false, incomplete, or misleading data as part of KYC/AML procedures;
16.5.3. using the Services for criminal activities or activities aimed at circumventing the law;
16.5.4. persistent or significant violation of the provisions of the Terms and Conditions despite a
prior request to cease such violations;
16.5.5. actions of the Customer that expose NWA to legal or regulatory liability.
16.6. Termination or expiration of the Agreement shall not affect the rights and obligations of the Parties
arising prior to the date of termination or expiration of the Agreement.
16.7. In the event of termination of the Agreement, NWA shall enable the Customer to make instructions
regarding the crypto assets held in the Crypto Wallet, subject to the restrictions imposed by law.

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17. RIGHT TO WITHDRAW FROM THE AGREEMENT

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17.1. The Customer has the right to withdraw from a distance Agreement within 14 days of its
conclusion, without giving any reason and without incurring any costs, subject to the provisions
of this chapter.
17.2. To meet the deadline referred to in point 17.1, it is sufficient to send a statement of withdrawal
before its expiry.
17.3. The right to withdraw from the Agreement does not apply to Services that have been fully
performed with the express consent of the Customer before the expiry of the deadline for
withdrawal from the Agreement, after informing the Customer about the loss of the right of
withdrawal, in accordance with Article 38(1) of the Consumer Rights Act.
17.4. In particular, the right of withdrawal does not apply to Crypto Transactions performed at the
express request of the Customer before the expiry of the deadline for withdrawal from the
Agreement, including Crypto Conversions and Transfers.
17.5. In the event of effective withdrawal from the Agreement, the Agreement shall be deemed not to
have been concluded, and the Parties shall be obliged to return the benefits, if possible and not
contrary to the provisions of law.
17.6. A template statement of withdrawal from the Agreement is provided in Appendix 2 to the Terms
and Conditions.

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18. FINAL PROVISIONS

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18.1. The Terms and Conditions are subject to the laws of the Republic of Poland. The choice of
applicable law does not exclude or limit the protection afforded to the Customer who is a consumer
under the mandatory provisions of law applicable to the Customer.
18.2. Any disputes arising from the Agreement or related to its performance may be settled by the
competent common courts in accordance with the provisions of generally applicable law.
18.3. The Terms and Conditions are made available to the Customer free of charge via the Application
before the conclusion of the Agreement, as well as during its term, in a manner enabling its
acquisition, reproduction, and recording.
18.4. The Terms and Conditions may also be made available to the Customer in languages other than
Polish. In the event of any discrepancies between the Polish version and the version in another
language, the Polish version shall prevail.
18.5. The Terms and Conditions shall enter into force on 1 January 2026 and shall apply to Agreements
concluded from that date.
18.6. The appendices to the Terms and Conditions form an integral part thereof.

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19. APPENDICES

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19.1. Appendix 1 - Model statement of withdrawal from the Agreement