Terms and conditions.

The following Terms & Conditions apply between:

- "NEOSURF CO”: meaning company NS CARDS France SAS, which provides

the service of myNeosurf Accounts and Neosurf prepaid vouchers. NS CARDS
France SAS offices are at 10 rue Vandrezanne, 75013 Paris France , and is
registered in Paris under number 478 502 321.

- “USER”: meaning You or the person who owns e-money stored on a Neosurf
prepaid voucher or a myNeosurf Account.

Warning

If you do not agree with the following Terms & Conditions please disconnect from
our website and refrain from buying a Neosurf prepaid voucher.

In the case you already purchased a Neosurf prepaid voucher you may ask for
a refund according to Article 9 hereafter.

ARTICLE 1: OBJECT OF THE CONTRACT

The contract aims to define the conditions for using Neosurf electronic money
vouchers (the "Neosurf Vouchers”).

Neosurf Vouchers store electronic money units representing a claim you hold on
the issuer.

ARTICLE 2: DESCRIPTION OF SERVICE

Neosurf Prepaid vouchers are sold by Neosurf CO or by a network of retail outlets

authorized by NEOSURF CO.

Neosurf prepaid vouchers are sold for face value which must appear on the
voucher.

Neosurf vouchers show an expiry date on the voucher receipt.

They allow you to make payments on the websites partners of Neosurf CO, using
a 10-character PIN, through the online Neosurf payment form.

Neosurf vouchers also allow to credit certain e-money accounts such as

myNeosurf Accounts.
ARTICLE 3: USE OF A NEOSURF VOUCHER

Each Neosurf voucher has a 10 alphanumeric characters code printed on it.

It is by entering this 10-character alphanumeric code on a Neosurf dedicated

online form that the User places an order for payment or transfer of funds with
its Neosurf voucher.

You acknowledge that all payment orders passed through entering your Neosurf
code will be made by You.
Once a service is subscribed on a website partner of Neosurf CO, you choose to
pay by Neosurf and click on the Neosurf logo among the means of payment.
A new window will appear under the colors of Neosurf that summarizes:
- The Website you want to pay,
- The service or product type you want to buy (according to the Website)
- The amount you agree to pay
You are invited to enter the Neosurf code in 3 white boxes (4 +3 +3 characters).

It is by entering your Neosurf code on this page that the User pays the contracted
service to the website or transfers funds using its Neosurf voucher.

The Neosurf voucher is immediately debited by the amount paid or transferred.

You can repeat as many times as you want until exhaustion of the balance of
the voucher.Neosurf CO may refuse to execute a payment order given by you,
for various reasons including the lack of provision or any other cause.

The myNeosurf account is not a bank account, it cannot be used to receive

salary, wage or similar payments made to you for paid services carried out by
you nor can it be used to receive funds for onward payment into a bank account.

If you have purchased a Neosurf voucher for such purpose we will provide you
with a refund no more than once per account.

If we reasonably believe you are using your myNeosurf account for such
purpose, we may close your myNeosurf account.

ARTICLE 4: CURRENCIES - FEES

Neosurf vouchers are sold in various currencies according to the country where
they are distributed.

In case you make payments in a different currency, your Neosurf voucher will
be debited according to the current exchange rate plus an exchange fee.

The exchange fee is 2% (3% for the currency ZLOTY).

Service Fee: No service fee applies as long as you log in or make a

transaction at least once every 3 months on your Voucher or myNeosurf
Account. Otherwise, a service fee of €3, or equivalent in your country
currency, will be deducted monthly from your Voucher value or account.
ARTICLE 5: DUTIES OF NEOSURF CO - Service Availability

Neosurf CO implements all the necessary technical resources to ensure you may
use the service for its intended purpose, and to ensure the best access possible
to that service.

The service can in principle be used 24 hours /24 and 7 days /7.

However, the service is available via the Internet and via mobile phone
networks, and Neosurf CO does not guarantee continuous availability of service.

The service may particularly be interrupted temporarily in case of force majeure,

technical difficulties, or other computer-related disruptions and, in particular, in
the event of a disruption in the communication network used.

In addition, you agree that access to or use of the service may temporarily be
interrupted because of repair services, maintenance, updating of data or
changes implemented by Neosurf CO.

In this case the responsibility of Neosurf CO may not be engaged.

ARTICLE 6: LIABILITY OF NEOSURF CO AND THE USER

The responsibility of Neosurf CO towards You may only apply for proven facts
affecting you directly.

It will cover only direct and proven damages such as defined by law and
jurisprudence.

Thus Neosurf CO will not be liable because of third parties, strikes, fraud,
disruption of supply sources, computer viruses, machine incidents, hacker
attacks, explosions or any other event beyond its control.

These events will have the same effect as the force majeure (suspension of
contract and possible termination by the parties in the terms and conditions set
out below).

In case of appeal against Neosurf CO by a third party because of you, you will
indemnify Neosurf CO against any demands, claims or convictions.

Force Majeure The responsibility of Neosurf CO will not apply in case of force
majeure as defined by law and the Court of Cassation.

ARTICLE 7: PROOF

It is expressly agreed that any payment order or remittance which is subject to

validation by entering the code on the Neosurf voucher is deemed to emanate
from you.

You acknowledge that validation of such operations by secret code is a proof of

your acceptance without reservation unless proven otherwise.
You are advised that all transactions you initiate can be recorded in electronic,
magnetic or optical support.

You expressly agree that the evidence of transactions initiated and / or ordered
by you pursuant to this contract is the result of recordings made by Neosurf CO
unless proved otherwise.

ARTICLE 8: ASSISTANCE

You may ask for assistance about the use of Neosurf vouchers by sending an e-
mail.

For English language: support.en@neosurf.com

For other languages: support@neosurf.com

ARTICLE 9: COMPLAINTS - REIMBURSEMENTS

In case of complaint or claim you may go to « CONTACT » page of

www.neosurf.com website.

In order to request the reimbursement of Neosurf tickets you must open a

myNeosurf Account at www.myneosurf.com and credit it with your Neosurf
tickets.

Once the account credited, you can request the refund of the balance by clicking
on the link "Refund" and entering your bank details in the form IBAN + BIC.

For all Refunds a KYC (Know-Your-Customer ID Verification) will be

systematically requested, which may include proof of address and proof of bank
account.

If we are unable to verify this documentation there may be a delay in processing

the refund request.

If we are unable to establish bank account ownership, we may refuse the refund
request.

In case of refund, a management fee of 5% will be applied.

Disputed payment made by your Neosurf voucher

For any claim related to a payment made to a merchant with your

Neosurf voucher, you are invited to retrieve your payment details in the
tab "Payments History" on www.neosurf.com and communicate them to
the merchant credited. In cases where difficulties would persist you can
contact the Neosurf customer relations department by mail
(support@neosurf.com).

All claims related to goods or services purchased or all order cancellation or

reimbursement cannot be addressed to Neosurf Co and must be submitted to
the corresponding merchant.Only those that relate to a lack or an error in
executing the payment transaction by Neosurf are covered by this article.
If the payment transaction is executed by Neosurf with errors due to a lack of
Neosurf and is not attributable to a third party, force majeure or fault of your
own, the operation is cancelled.

Any dispute request must be sent by registered letter with acknowledgment of

receipt to Neosurf within 7 days of receipt of order.

You agree to provide all the necessary elements to determine the circumstances
of the transaction.

ARTICLE 10: PERSONAL INFORMATION STORAGE, PROTECTION AND

CONFIDENTIALITY

Personal information collected through this contract are binding and can be
processed by computer.

The information collected will be used to manage this contract, they can also be
used by Neosurf CO for commercial prospecting operations.

On his personal information collected, the customer has a right of access and
rectification.

In addition, the client may invoke a right of opposition, including the use of such
information for marketing purposes, this right of opposition may be exercised
when collecting personal information.

To exercise all such rights, access, rectification, opposition, the customer can
write to:

NS CARDS France

10 rue Vandrezanne, 75013 Paris France

Pursuant to Article L 511-33 of the Monetary and Financial Code, Neosurf is

bound by professional secrecy.

However, this secrecy may be lifted in accordance with the legislation in force,
under a prudential regulatory and legal obligation, including at the request of
regulators, tax authorities or customs, as well as that of Judge Criminal
established by Article L.562-4 of the Monetary and Financial Code or in case of
requisition court notified Neosurf Notwithstanding the foregoing, you have the
power to relieve Neosurf of privilege, stating in writing the authorized third
parties to receive confidential information about you.

Thus, you expressly authorize Neosurf to disclose any relevant information about
you to any person whose intervention is necessary for the performance of
services under this contract or that would be attached later.

Persons so affected are Neosurf CO group companies and service providers with
which it is operating in a contractual relationship for execution of transactions
and services provided that such third party recipients of personal data are
subject to regulation ensuring an adequate level of protection as defined in
Article 561-7 IIb of the Monetary and Financial Code.

The list of third party recipients of information covered by professional privilege

is available on request from the Compliance Officer of Neosurf:

NS CARDS France
To the attention of the Compliance Officer
10 rue Vandrezanne, 75013 Paris France

If you wish to close your Account, you may do so by notifying us in writing.

ARTICLE 11: DUTY OF SURVEILLANCE

Pursuant to the provisions of Articles L.561-2 and following of the Monetary and
Financial Code, relating to the participation of financial undertakings in the fight
against money laundering and terrorist financing, Neosurf CO may be required
to implement surveillance systems whose purpose is the fight against money
laundering and terrorist financing.

You acknowledge that it may terminate at any time or postpone the execution
of an operation.

The operation may not be performed in case of refusal by you to transmit the
information required by Neosurf CO, without this may lead to the questioning of
Neosurf CO responsibility.

You hereby certify that all payments you will make will be for the purchase of a
good or service through the site of a merchant, customer of Neosurf CO.

ARTICLE 12: APPLICABLE LAW AND MEDIATOR

This contract is governed by French law. In the absence of agreement the only
relevant courts are the jurisdiction of Paris.

Neosurf may appoint a mediator to recommend solutions to disputes when you

are not acting for business purposes, for services provided and implementation
of the General Conditions.
The mediator is required to decide within two months of referral. The findings
and declarations that the mediator collects cannot be produced or cited in
subsequent proceedings without the agreement of the parties.
This mediation process is free.
Except in case of application of a mandatory law - which would apply only to the
extent strictly to its subject, it is expressly provided that (i) these Terms are
subject to French law and (ii) any dispute between you and Neosurf under use
of the payment page will be submitted to the jurisdiction of courts of Paris.

These Terms are provided to you in the English language. Where we have
provided a translation of these Terms to you, you agree that such translation is
provided for your convenience only and that the English language version of
these Terms will govern your agreement with us. If there is any contradiction
between the English language version of these Terms and any translated
version, the English language version takes precedence.