1. Parties & Preamble

This Master Service Level Agreement & Data Processing Contract ("Agreement") is executed and entered into by and between:

1. HOWSALES BUSINESS SOLUTION LTD, a registered technology corporation with headquarters in Nigeria (hereinafter referred to as the "Provider", "HowSales", or "Platform Operator"), and

2. THE SUBSCRIBER, whose full corporate registration details and selected terms are endorsed in Section 8 of this Agreement (hereinafter referred to as the "Subscriber", "Employer", or "Client").

WHEREAS, the Provider develops, operates, and hosts CarePayroll, an automated multi-tenant payroll engine, workforce manager, statutory compliance processor, and centralized salary payment clearing gateway; and WHEREAS, the Subscriber desires to subscribe to CarePayroll to administer corporate payroll and execute bulk salary payouts to its staff.

2. Commercial Engagement & Pricing Options

The Subscriber shall select ONE (1) of the two engagement models below prior to platform activation.

3. Escrow, Gateway & Fund Disbursement Architecture

To guarantee fail-safe, rapid bulk salary transfers across Nigerian commercial banks, salary disbursement occurs via the HowSales Secured Clearing Gateway Pool.

• Settlement Timing (T+0): Batches pre-funded before 2:00 PM (WAT) on business days are settled and disbursed on the same day.
• Failed Transaction Protocol: Transfers rejected due to invalid NUBAN numbers or dormant bank accounts are credited back to the Subscriber's escrow ledger immediately.

4. Data Privacy Policy & NDPR/NDPA Compliance

HowSales operates strictly as a Data Processor in compliance with the Nigeria Data Protection Act (NDPA) and NDPR. The Subscriber acts as the Data Controller.

Data Category	Data Elements Collected	Processing Purpose
Employee Identifiers	Full Legal Name, Email, Phone, Employee ID, Job Title, Grade.	Identity management & payslip dispatch.
Banking Details	Bank Name, NUBAN Account Number, BVN (where required).	Disbursement via inter-bank switch.
Tax & Pension	TIN/PAYE Identifier, RSA PIN, Pension Fund Administrator code.	Statutory remittances (LIRS/FIRS, PenCom).
Performance & Salary	Basic Pay, Overtime, KPI Bonuses, Deductions, Net Salary.	Gross-to-net payroll computation.

Security Safeguards: Multi-tenant isolation is enforced via SQL Server Row-Level Security (RLS). All data in transit is encrypted using TLS 1.3; sensitive financial records are encrypted at rest with AES-256. Employee records are never sold or shared with commercial third parties.

5. Brand Attribution & Bank Narration Protocol

To maintain transparency and corporate identity, all payment alerts and notifications clearly present the Subscriber (Employer) as the paying company. HowSales remains the underlying technical infrastructure.

• Bank Narration: Credit alerts delivered by commercial banks identify the Subscriber as the originator in the format: TRF/HOWSALES/[Subscriber Company Name] - SALARY [Month/Year].
• Digital Payslips: Branded with the Subscriber's corporate logo and header, bearing a standard compliance footer: "Powered by CarePayroll - A product of HowSales Business Solution Ltd."

6. Specimen Communication Templates

The following specimens demonstrate the official communication formats delivered to employees and corporate executives upon salary disbursement.

Template A: Commercial Bank Credit Alert SMS (Received by Employee)

Template B: Instant Staff WhatsApp / SMS Notification

Template C: Official Staff Email Payslip Advice

7. Service Level Commitments (SLA Uptime & Support)

• Platform Availability: HowSales guarantees a 99.9% uptime for calculation and disbursement systems.
• Critical Severity Response: Payroll calculation or disbursement issues resolved within 60 minutes.
• Standard Inquiries: Account setups, inquiries, and customizations addressed within 4 business hours.

8. Contract Execution & Plan Endorsement

IN WITNESS WHEREOF, the parties hereto have executed this Service Level Agreement through their authorized signatories.