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Pre-Authorized Debit and Bill Payment Agreement

This Authorization is provided for the benefit of the Customer and our Financial Institutions and is provided in consideration of ourFinancial Institution agreeing to process debits/credits and online bill payments in accordance with the Rules of the Canadian Payments

Association (the CPA Rules). This agreement is between the businesses VirtEx and their payment processors and the Customer for thepurpose of using services offered by www.cavirtex.com.

VirtEx: 7620 Elbow Dr SW Suite 301. Calgary Alberta Canada T2V1K2. (888) 812-2525

Customer Information:

Full Name:

Date of Birth (MM/DD/YYYY):

Address (with City, Province and Postal):

Telephone Number (with area code):

VirtEx Username:

VirtEx Account Number (8 digits) :

Validation by Processing Financial Institution:

I acknowledge our Financial Institution is not required to verify that any purpose of payment for which a PAD was issued has been fulfilledby the Payee or that a PAD has been issued in accordance the particulars of our Authorization including, but not limited to, the amount,as a condition to honoring a PAD issued by the Payee on our account. Recourse/Reimbursement: I have certain recourse rights if anydebit does not comply with this agreement. For example, I have the right to receive reimbursement for any debit that is not authorized oris not consistent with this PAD agreement. To obtain more information on our recourse rights, I may contact our Financial Institution or

visit www.cdnpay.caOur Rights of Dispute:

I may dispute a Pre-Authorized Debit in accordance with CPA Rules under the following conditions:

1. The PAD was not drawn in accordance with our Authorization; or2. This Authorization was revoked.

In order to be reimbursed, I acknowledge that a declaration to the effect that either (1) or (2) took place, must be completed andpresented to our branch of our Financial Institution up to and including 90 calendar days after the date on which the disputed PAD wasposted to our account. I acknowledge that any claim made after 90 business days or for any reason other than the above, is a matter tobe resolved solely between the Payee and ourselves.

Acceptance of Delivery of Authorization:

I acknowledge that provision and delivery of this authorization to the Payee constitutes delivery by us to our Financial Institution. Anydelivery of this Authorization to you constitutes delivery by us.

Cancellation of Arrangement:This Authorization may be cancelled at any time upon notice by us to the Payee at least 3 days prior to the PAD being issued. I mayobtain a sample cancellation form, or further information on my/our right to cancel a PAD Agreement, at my/our financial institution or byvisiting www.cdnpay.ca

Pre-Notification Waiver:

I agree with the Payee to waive the requirement under the CPA Rules to receive a written pre-notification prior to each PAD as set out inthe Rules.

Contract for Goods or Services:

Revocation of this Authorization does not terminate any contract for goods or services that exists between the Payee and us. OurAuthorization applies only to the method of payment and does not otherwise have any bearing on the contract for goods or servicesexchanged. I understand and agree to this PAD arrangement and to the disclosure of any confidential information to any third parties asmay be required to process the PAD in accordance with the CPA Rules. I understand that VirtEx uses payment processing companies(listed on the notification pages for the various deposit/withdraw methods on www.cavirtex.com) for online bill payments and directdebits/credits. .

I authorize VirtEx and the payment processing company listed to debit or credit my bank account based on my online requests submittedvia www.cavirtex.com while logged in as the VirtEx Username specified above. I further agree to forfeit all rights to dispute any paymentmade to VirtEx via online or telephone banking unless the payment is NOT credited to my VirtEx account within 7 business days of mypayment date. The PAD Category is Funds Transfer. The frequency of debits/credits will be based on my online requests atwww.cavirtex.com and I certify that these online requests will serve in place of a written pre-notification waiver. I guarantee that I am theowner of the VirtEx account number specified above and that I am a signing authority on the bank account specified online.

Signature Date