OPUL reserves the right to update its rates and fees from time-to-time in its sole discretion upon prior notice to customer. Continued use of the OPUL platform and the services after the effective date of such notice indicates customer’s acceptance of the new rates and fees. Savings and growth in revenue is not guaranteed. Services are subject to completing an application form, approval of the application by OPUL and its sponsoring bank, and agreeing to the terms and conditions.