How Do We Calculate Your Balance? We use a technique called “average daily balance (including new transactions).” See “How Do We Calculate The Interest Charge?” section below.

Are There Any Deposits Required? We may request for upfront deposits from You before Your card can be activated. This is to ensure You understand how to pay Your card statement when payments are due. This deposit shall be credited to Your Account which You can utilize with Your card.

Are There Any Other Fees Not Listed Above? No. There are no additional Fees.

What Currency Is Used to Pay The Fees? We use the same cryptocurrency that is used in the card.

What Amount Should I Enter For Total Annual Income When I Apply For The Card? You may include all Your gross personal income before tax. These include full-time, part-time, contract jobs, seasonal jobs, self-employment, interest or dividends, retirement, and public assistance such as welfare benefits and more.

Will My APR Rate Change? Your APR can change but not according to the Prime Rate.

How Can I Be Eligible For The Card? You can be eligible for the card if You fulfill all of the below.

• You are 18 years old and above.
• Your application We received from You is complete, accurate and verified.
• You do not have other accounts with Us that have past due in payments, in default or under collection.
• We are able to access Your credit score, credit history and other information about You to determine that You are creditworthy.
• You have not applied for the same card within the past one year.

When You apply for Our card, You understand that:

• You must provide Us with complete and accurate information.
• You authorize Us to verify the information You submitted such as Your employment, income, and/or other application information with third parties.
• You authorize Us to verify education-related information in Your application and authorize Your education institution to release enrollment information for that purpose.

How My Credit Line is Determined? We determine Your credit line based on our review of Your application and the information and also the documents You submitted. We also determine based on Your ability to pay, in other words, Your creditworthiness.

Can You Change The Terms and Conditions of My Card? Yes, we can change the terms and conditions of your account with us as permitted by law. If we do so, we will inform via email prior to the change.

What Are My Billing Rights? Information regarding Your rights to dispute transactions and how to exercise those rights is provided in the “Billing Rights” section below.

WHAT YOU SHOULD KNOW ABOUT THIS CARD

What is APR? APR stands for Annual Percentage Rate and it is the cost of Your Account shown in percentage. If the APR given to You is low, then You will be paying a low interest rate and vice versa. Please note that APR accumulates daily, not yearly.

What Are The Daily Periodic Rates Used To Calculate Your Interest? The daily periodic rate is between 0% and 0.05205% (19% divided by 365 days rounded to 5 decimal places).

How Do We Calculate The Interest Charge? You are only charged interest if You did not pay previous month’s balance in full (not if Your balance was zero or has a credit amount). To calculate the interest charged to You, We use a technique called Average Daily Balance. Under this technique, firstly, We calculate Your daily balance as explained below.

• We take the beginning of Your balance and add in new transactions as well as the periodic Interest Charge on the previous day’s balance.
• Then, We deduct any payments and credits for that segment as of that day.

The result is the daily balance for each segment. To find Your Average Daily Balance, We do the below.

• add the daily balances together for each segment
• divide the sum by the number of days in the billing cycle.

At the end of each billing cycle, We determine Your Interest Charge as below.

1) multiply Your Average Daily Balance by the daily periodic rate (APR divided by 365) for that segment, and

2) multiply the result by the number of days in the billing period.

NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary from the Interest Charge actually assessed.

Here’s an example. Let’s say Your credit card with us has an APR of 10% and our billing cycle is 30 days long. You started the billing cycle with a balance from last month of USDT100. You made a USDT200 purchase on Day 5. And on Day 25, You made another transaction of USDT300. Your daily balance for each day during the billing cycle is as follows.

• Day 1 – 4: USDT100 (starting balance)
• Day 5 – 24: USDT300 (added the USDT200 purchase)
• Day 25 – 30: USDT600 (added the USDT300 purchase)

You must total Your balance from each day in the billing cycle to calculate Your average daily balance, including the days that Your balance didn’t change. Divide the total by the number of days in the cycle as shown below.

(Total balance of Day 1 + Total balance of Day 2 + Total balance of Day 3 + etc) / 30 days of billing cycle

([USDT100 x 4 days] + [USDT300 x 20 days] + [USDT600 x 6 days]) = USDT10,000

USDT10,000 / 30 days = USDT333.33 (Your Average Daily Balance)

Then, in order to find Your Interest Charge, we divide Your 10% APR with 365 days where we get 0.02740% (10% divided by 365 days rounded to 5 decimal places) which is Your Daily Periodic Rate.

Finally, we multiply 0.02740% with Your Average Daily Balance and the billing cycle of 30 days.

0.000274 x 333.33 x 30 = USDT2.7399726 (Rounded to USDT2.74)

So, the Interest Charge You have to pay for this billing cycle is USDT2.74.

NOTE: Due to rounding, this calculation may vary from the Interest Charge actually assessed.

How Do We Calculate Minimum Payment? We calculate the minimum payment based on the larger amount of the following.

• Your full balance if the amount is less than USDT15
• USDT15
• 1% to 3% of Your new balance.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

What To Do If You Find A Mistake On Your Statement. If You think there is an error on Your statement, email us at [email protected] and provide us the following information:

• Your name and Account number.
• The dollar amount of the suspected error.
• Description of the mistake and explain why You think it is a mistake.

You must contact Us within 60 days after the error appeared on Your statement.

You must notify Us of any potential errors in writing. We prefer that You email us. However, You may call Us by phone. But if You do, We are not required to investigate the potential error You reported and You may have to pay the amount in question.

What Will Happen After We Receive Your Email. When We receive Your email, We shall perform the following:

• We must inform You that we have received Your email within 30 days of receiving it. We will also tell You if We have already corrected the error.
• We must either correct the error or explain to You why We believe the bill is correct within 90 days of receiving Your email.

While We investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report You as delinquent on that amount.
• The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
• While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
• We can apply any unpaid amount against Your Credit Limit.

After We finished Our investigation, one of two things can happen:

• If We made a mistake, You do not have to pay the amount in question or any interest or other fees related to that amount.
• If We do not believe there was a mistake, You have to pay the amount in question, along with applicable interest and fees. We shall send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the first USDT50.00 of the amount You question even if Your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If You are not satisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

1) The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more than USDT50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We emailed to You, or if We own the company that sold You the goods or services.)

2) You must have used Your Credit Card for the purchase.

3) You must not yet have fully paid for the purchase.

You may contact us by emailing us at [email protected] if all of the criteria above are met and You are still unhappy with the purchase.

While We investigate, the same rules apply to the disputed amount as discussed above. After We finished Our investigation, We will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We have the right to report You as delinquent.