Terms and Conditions

DNERO TERMS OF SERVICE

PLEASE READ THIS AGREEMENT CAREFULLY; THIS IS A BINDING AGREEMENT.

Last Modified on March 18, 2026

Welcome to the DNERO mobile application and related websites on which this Terms of Service ("TOS") appears (collectively, the "Sites"). This TOS outlines the terms and conditions governing your access to and use of the Sites and the DNERO mobile application (the "App"). Together, the Sites and App are referred to as the "Service." This TOS forms a legal agreement ("Agreement") between you and DNERO Wallet Inc. dba DNERO ("DNERO," "we," "us," or "our"). By clicking on buttons such as "Log in," "Pay," "Buy & Send," "Tap To Use," "Purchase," "Register," "Activate," "Select," or "Accept App Terms," you agree to accept all the terms of this Agreement. In addition to these Terms of Service, your use of certain features of the DNERO platform is subject to additional agreements, which are hereby incorporated by reference and form part of these Terms: Banking Services Agreement and Cardholder Agreement.

DNERO may amend this TOS at any time by posting the revised terms on the Sites or through the App. The date of the last revision will be indicated at the top of this page. DNERO may also change, discontinue, or restrict your use of the Service at any time, with or without notice.

DNERO Wallet Inc. is a financial technology company that provides a technology platform enabling users to access financial services offered by regulated financial institutions.

DNERO is not a bank and does not provide banking services directly. Banking services, including deposit accounts and debit card services, are provided by Zenus Bank International, Inc., a financial institution licensed and regulated by the Office of the Commissioner of Financial Institutions of Puerto Rico.

Certain users may also be provided access to deposit accounts maintained with Zenus Bank International, Inc. The terms governing those accounts are set forth in the DNERO Banking Services Agreement. The term "Sponsor" refers to the company named in the materials provided with the Card. Card means the DNERO Wallet, Inc. Visa® Debit Card issued by Zenus Bank International, Inc., which may be provided as a Virtual Card or Physical Card through the DNERO platform. "PIN" refers to your personal identification number. "Business days" are Monday through Friday, excluding federal holidays, even if the Bank is open.

Please note that certain links within the Service may direct you to third-party websites or services, such as lending, brokerage, and other financial offerings. These services are not part of DNERO, and DNERO is not responsible for their content, practices, or policies. You are advised to review the Terms of Use and privacy policies of these third-party services before engaging with them.

Agreement to Terms. By using the Card, you agree to be bound by the terms and conditions outlined in this Agreement. You must sign the back of the Card immediately upon receipt. It is your responsibility to keep a record of your Card number and the customer service contact information provided herein to report any loss or theft. Please note, we may be unable to assist you in the event of loss or theft unless you provide your Card number.

Card Description and Usage Terms. The Card is a Visa® debit card issued by Zenus Bank International, Inc. and made available through the DNERO platform. The Card may be issued as a virtual card or physical card and may be linked to a funding source, including a deposit account provided by Zenus Bank International, Inc., or other payment method approved by DNERO. The Card is not a credit card and does not provide overdraft or credit features unless expressly stated in the Cardholder Agreement.

The Card remains the property of the Bank and must be surrendered upon request. The Card is nontransferable and may be canceled or revoked at any time, subject to applicable law.

It is a prepaid card loaded by the Sponsor with a specific amount of funds, as stated in the materials provided with the Card. The Card is not a credit card or charge card, and using it will not affect your credit history. The Card is not linked to any other account, and you will not earn interest on the funds loaded onto it. The Card remains the property of the Bank and must be surrendered upon request. It is nontransferable and may be canceled or revoked at any time without prior notice, except where required by law.

You may use the Card for purchases at merchants that accept Visa debit cards, online transactions, ATM withdrawals, and other transactions permitted by the Cardholder Agreement. The Card may be linked to a funding source, including a deposit account maintained with Zenus Bank International, Inc., as described in the DNERO Banking Services Agreement. You agree to the following: (i) you will not use the Card at gambling websites or for illegal transactions; (ii) you will promptly notify us of any loss, theft, or unauthorized use of the Card; (iii) the Card may be used for personal or small business transactions but may not be used for corporate or enterprise purposes; and (iv) you will use the Card only as permitted by us. Certain merchants, such as those selling products restricted to minors (e.g., smoke shops), may not accept the Card. The Card may also not be accepted at self-checkout machines.

Your use of the DNERO Visa® Debit Card is governed by the DNERO Cardholder Agreement, and your use of any deposit account provided through the DNERO platform is governed by the DNERO Banking Services Agreement.

If any conflict exists between this Terms of Service and the Cardholder Agreement or Banking Services Agreement, those agreements will control with respect to card services and banking services.

We reserve the right to decline any transaction that we believe violates these Terms of Service. The Card cannot be returned to a merchant for a refund or redeemed for cash, except as required by applicable law.

You are responsible for all transactions initiated and fees incurred by use of your Card. If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions incurred by those persons. You may not request an additional Card for another person.

PIN: Your PIN is a four-digit code used to authorize purchase transactions in place of a signature. Some merchants may require you to use a PIN instead of signing for your purchase. You will need to create a PIN when activating your Card. Each Card is assigned a single PIN.

To protect your Card balance, you agree to keep your PIN confidential. We recommend memorizing your PIN and avoiding writing it down. Your PIN cannot be used to withdraw cash at ATMs or to receive cash back at POS terminals.

1. TOS Updates. DNERO will revise this TOS as the mobile application, Sites and/or Service evolves. The next time you use the Service after such an update, you may be prompted to agree to or decline the revised TOS. You must agree to all revisions if you choose to continue using the mobile application, Sites and/or Service. By using the mobile application, Sites and/or Service, you agree to the then-current version of this TOS as posted on the Sites at https://www.dneroapp.com/terms-conditions.html. If at any point you do not agree to any portion of the then-current version of this TOS, you must immediately stop using the mobile application, Sites and/or Service.

2. App Updates. In an effort to improve the Service, DNERO may require that you download and install updates to the App.

3. Eligibility. The App may only be used by individuals aged eighteen (18) years or older.

• 3.1 You may not export the Service directly or indirectly, and acknowledge that the Service may be subject to export restrictions. To access the Service you represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Service and have the right, power, and ability to enter into and perform under this Agreement; (d) the name identified by you when you create your account is your legal name; (e) any transaction entered into by you will represent a binding agreement; and (f) you and all transactions initiated by you will comply with all applicable federal, state, and local laws, rules, and regulations, including any applicable tax laws and regulations.

• 3.2 You may not use or otherwise export or re-export the App except as authorized by United States law and the laws of the jurisdiction in which the App was obtained. In particular, but without limitation, the App may not be exported or re-exported: (i) into any U.S. embargoed countries; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's List or Entity List

4. License Subject to the terms, conditions and limitations set forth in the Terms, DNERO grants you a nonexclusive, non-transferable and revocable license to use the App on any mobile device that you own or control. The terms of the license will also govern any upgrades provided by DNERO that replace and/or supplement the original App, unless such upgrade is accompanied by a separate license, in which case the terms of that license will govern.

5. Restrictions and Conditions of Use. DNERO permits you to view and use a single copy of the Sites and/or App for your personal use. You agree not to license, create derivative works from, transfer, sell or re-sell any information, content, or services obtained from the Sites and/or the App.

• 5.1 You agree that you will not, in connection with your use of the Sites or the App or your purchase of any products or services through any of the foregoing, violate any applicable law or regulation. Without limiting the foregoing, you agree that you will not make available through the App and/or Sites any material or information that infringes any copyright, trademark, patent, trade secret, or other right of any party (including rights of privacy or publicity).

• 5.2 You may not connect to or use the Service in any way not expressly permitted by this TOS. Without limiting the foregoing, you agree that you will not (a) institute, assist, or become involved in any type of attack, including without limitation denial of service attacks, upon the Sites and/or Service or otherwise attempt to disrupt the Sites and/or Service or any other person's use of the Sites and/or Service; or (b) attempt to gain unauthorized access to the Sites and/or the App, Accounts registered to other users, or the computer systems, mobile devices or networks connected to the Service. Furthermore, you may not use the Sites and/or the App to develop, generate, transmit, publish, display or store any information or content that: (i) is libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, fraudulent, deceptive or otherwise objectionable; (ii) in any way obstructs or otherwise interferes with the normal performance of another person's use of the Sites, the App and/or Service, (iii) performs any unsolicited commercial communication not permitted by applicable law or performs unsolicited promotions, political campaigning, or commercial messages (SPAM) or any chain messages or user content designed to deceive or trick the user of the Site, App and Services; (iv) constitutes harassment or a violation of privacy or threatens other people or groups of people ; (v) is harmful to children in any manner; (vi) constitutes phishing, pharming or impersonates any other person, or steals or assumes any person's identity (whether a real identity or online nickname or alias)or divulges private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers; (vii) uses the Sites or the App for any illegal or unauthorized purpose or engage in, encourage, or promote any illegal activity, or any activity that violates the TOS or any other rules or polices established from time-to-time by DNERO; (viii) infringes or violates any patent, trademark, trade secret, copyright, right of privacy, right of publicity or other intellectual or other right of any party;

• 5.3 You agree that you will not (i) obtain or attempt to obtain any information from the Service, including without limitation information about other users, using any method not expressly permitted by DNERO; (ii) intercept, examine or otherwise observe any proprietary communications protocol used by the App or the Service, whether through the use of a network analyzer, packet sniffer or other device; (iii) use any type of bot, spider, virus, clock, timer, counter, worm, software lock, drop dead device, Trojan-horse routing, trap door, time bomb or any other codes, instructions or third-party software that is designed to provide a means of surreptitious or unauthorized access to, or distort, delete, damage or disassemble, the App, the Sites or the Service.

• 5.4 You agree not to do, or authorize or permit any third-party to do, any of the following: (i) distribute or make the Sites or the App available over a network where it could be used by multiple devices at the same time; (ii) rent, lease, lend, sell, redistribute or sublicense the Sites or the App; (iii) copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify or create derivative works of the Sites or the App, any updates or any part thereof (except as and only to the extent any of the foregoing restrictions are prohibited by applicable law); or (iv) remove, alter or obscure any copyright, trademark or other proprietary rights notice on or in the Sites or the App. If you violate any of the foregoing restrictions, your use of the Sites or the App will immediately cease and you will have infringed the copyright and other rights of DNERO, which may subject you to prosecution and damages. DNERO reserves all rights not expressly granted to you in the Terms.

• 5.5 You are solely responsible for all content you upload to or use with the Sites or the App, as well as your conduct and the conduct of anyone using your account. The content you upload to or use with the Sites or the App must comply with the user content and conduct rules as specified in TOS. Enforcement of the user content and conduct rules set forth this TOS is solely at DNERO's discretion, and failure to enforce such rules in some instances does not constitute a waiver of our right to enforce such rules in other instances. In addition, these rules do not create any private right of action on the part of any third-party or any reasonable expectation that the Sites or the App will not contain any content that is prohibited by such rules.

• 5.6 You further agree that you are solely responsible for your conduct with respect to the Sites, App and/or Services and you agree that you will not do any of the following in connection with the App: i) use the App in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying the App or that could damage, disable, overburden or impair the functionality of the App in any manner; ii) Flag content or report abuse for improper purposes or without good reason; iii); iv) modify, adapt, hack or emulate the App; v) circumvent or attempt to circumvent any filtering, security measures or other features designed to protect the Service or third-parties; and vi) infringe upon or violate the rights of DNERO, its users or any third-party. DNERO takes no responsibility and assumes no liability for any user conduct or for any user content posted, stored or uploaded on (or otherwise made available via) the Service, nor is DNERO liable for any mistakes, defamation, slander, libel, omissions, falsehoods, obscenity, pornography or profanity you may encounter while using the App. Your use of the Service is at your own risk.

• 5.7 Although DNERO does not control and has no obligation to screen, edit or monitor any of the user content posted, stored or uploaded on (or otherwise made available via) the Service, DNERO reserves the right, and has absolute discretion, to remove, screen or edit any user content posted, stored or uploaded on the Sites or the App at any time and for any reason without notice, and you are solely responsible for creating backup copies of and replacing any user content you post, store or upload on (or otherwise make available via) the Sites or the App at your sole cost and expense. Any use of the Service in violation of the foregoing violates the TOS and may result in, among other things, termination or suspension of your rights to use the Sites and/or the App. You understand and agree that the use of your or another user's name, likeness, voice or identity in connection with various features on the Sites or the App does not imply any endorsement of such feature or of the Service unless explicitly stated otherwise.

• 5.8 Except for any feedback you provide with respect to the Service or any of DNERO's products and services or as specifically provided otherwise in the TOS or in a separate agreement between you and DNERO, you retain ownership of the user content you post, store or upload on (or otherwise make available via) the App. However, if you post, store or upload user content on (or otherwise make available via) the Service, you grant DNERO and its affiliates a non-exclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such user content throughout the world in any manner or media, on or off the Service. You represent and warrant that: (i) you own and control all of the rights to the user content that you post, store or upload on (or otherwise make available via) the Service or you otherwise have the right to make available such user content via the Service and grant the rights granted in the TOS; (ii) the user content that you post, store or upload on (or otherwise make available via) the Service is accurate and not misleading; and (iii) DNERO's use and making available the user content you supply does not violate the TOS and will not violate any rights of or cause injury to any person or entity.

6. Prices for products offered via the Service may change at any time, and DNERO does not provide price protection or refunds in the event of a price reduction or promotional offering. DNERO reserves the right to change content option, including eligibility for and availability of particular features and promotions, without notice.

7. Privacy & Security. DNERO takes your privacy and security very seriously. Therefore, our Privacy Policy is available at www.dneroapp.com/privacy-policy.html and is incorporated by reference in this terms of service. You agree to abide by all terms set forth in the Privacy Policy, and at all times your information will be treated in accordance with the Privacy Policy.

8. We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. You

acknowledge that you provide your personal information at your own risk and DNERO shall not be liable for the unauthorized access of your personal information.

9. DNERO does not warrant, represent, or guarantee that its Site or Service will be available on your mobile device. If you do use a mobile device to access the Service, you are subject to the terms of your agreement with your mobile device manufacturer and carrier. You may incur charges from your mobile carrier for accessing the Service, which are solely your responsibility.

10. DNERO’s Rights - We reserve the right to decline to provide the Service to any person for any or no reason. You acknowledge that, if any information provided by you is untrue, inaccurate, not current or incomplete, we reserve the right to terminate your use of the Service and Sites. DNERO reserves the right to close a user’s Profile or take other appropriate actions if such user violates this TOS in whole or part, or engages in any conduct DNERO deems inappropriate.

11. Interacting with Other Users of the Service. You are solely responsible for your interactions with other users of our Service. We will not be responsible for any damage or harm resulting from your interactions with other users of our Service. We do not endorse any persons who use or register for our Services, whether as senders or recipients.

12. By using the Site or Services, you agree that any legal remedy or liability that you seek to obtain for actions or omissions of other users will be limited to a claim against the particular user or users who caused you harm. You agree not to attempt to impose liability on, or seek any legal remedy from DNERO. You release DNERO from any and all claims, demands, damages (actual, consequential, nominal, punitive, or otherwise), equitable relief, and any other legal, equitable, and administrative remedy, of every kind and nature, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, past, present, or future, arising out of or in any way connected with your communication or interaction with other users on the Site.

13. Third Party Services and Materials. In your use of the Service you may be offered services, products and promotions provided by third parties and not by DNERO. If you decide to use these Third-Party Services you will be responsible for reviewing and understanding the terms and conditions associated with these services. You agree that DNERO is not responsible for the performance of these services. The Service may contain links to third-party websites as a convenience to you. The inclusion of any website link does imply an approval, endorsement, or recommendation by DNERO. You agree that you access any such website at your own risk, and that the site is not governed by the terms and conditions contained in this Agreement. DNERO expressly disclaims any liability for these websites. Please remember that when you use a link to go from our mobile application to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our application, is subject to that website’s own rules and policies.

DNERO WILL NOT BE LIABLE FOR ANY TRANSACTIONS CONDUCTED BY YOU WITH THIRD PARTIES THROUGH THIRD PARTY SERVICES NOR FOR ANY LIABILITY ARISING FROM THE REPRESENTATIONS OR INFORMATION PROVIDED ON SUCH WEBSITES.

14. Intellectual Property. You agree that the Service, including graphics, user interface, audio clips, video clips, editorial content, and the scripts and software used to implement the Service, contains proprietary information and material that is owned by DNERO, and is protected by applicable intellectual property and other laws, including but not limited to copyright. You agree that you will not use such proprietary information or materials in any way whatsoever except for use of the Service in compliance with this Agreement. No portion of the Service may be reproduced in any form or by any means, except as expressly permitted in these terms. You agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Service in any manner, and you shall not exploit the Service in any unauthorized way whatsoever, including, but not limited to, by trespass or burdening network capacity. “DNERO,” https://www.dneroapp.com, “Smart Money” and other DNERO trademarks, service marks, graphics, and logos used in connection with the Service are trademarks or registered trademarks of DNERO Wallet Inc. in the United States. Other trademarks, service marks, graphics, and logos used in connection with the Service may be the trademarks of their respective owners. You are granted no right or license with respect to any of the aforesaid trademarks and any use of such trademarks.

15. You may not display any portion of our Sites or the App in a frame, or any content from our Sites and/or the App through in-line links, without our prior written consent, which may be requested by contacting us at Support@dneroapp.com. You may, however, establish ordinary links to the homepage of our Sites or the App without our written permission, and you may make use of embedded code, also known as "widgets," if we have provided the code.

16. US Government Rights. The Service and related documentation are "Commercial Items", as that term is defined in 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation", as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end-users: (i) only as Commercial Items; and (ii) with only those rights as are granted to all other end-users pursuant to the terms and conditions herein. Unpublished rights are reserved under the copyright laws of the United States.

17. Consent to Use of Data. You agree that DNERO may collect and use technical data, personal information and related information in connection with your use of the Sites and/or the App including, but not limited to, contact information and technical information about your device, system and App software, and peripherals, that are gathered periodically to facilitate the features and functionality of the Sites and/or the App and software updates, product support and other services. Please see our Privacy Policy for more information about how DNERO collects, uses, stores and discloses personal information collected through the App. You also consent to our communicating with you about the Service or in connection with the features, functions and activities contained in the Sites or the App.

18. Fraud, Abuse and Harm. We may decide not to authorize or settle any transaction that you submit to us if we believe that the transaction is in violation of any agreement or exposes you, other users, our service providers or DNERO to harm. Harm includes fraud and other criminal acts. If we reasonably suspect that your DNERO Account has been used for an unauthorized, illegal, or criminal purposes, you give us express authorization to share information about you, your DNERO Account or and any of your activity with law enforcement authorities. DNERO reserves the right to review, postpone, or cancel purchases or the dispersal of funds to any user at our discretion.

19. Termination. We may terminate this Agreement and close your Account for any reason or no reason at any time upon notice to you. We may also suspend the Service and access to your Account (including the funds in your Account) if you (a) have violated the terms or conditions of the Agreement, (b) pose an unacceptable risk to us, or (c) provide any false, incomplete, inaccurate, or misleading information or otherwise engage in fraudulent or illegal conduct.

If your Profile is terminated for any reason or no reason you agree: (a) to continue to be bound by this Agreement; (b) to immediately stop using the Service; (c) that we reserve the right, but have no obligation, to delete your information and account data stored on our servers; and (d) that DNERO shall not be liable to you or any third party for termination of your access to the Service or deletion of your information or account data.

• 19.1 You may terminate this Agreement and other agreements by closing your Account at any time. Upon closure of an Account, any pending transactions will be cancelled. Any unused funds at the time of closure, less any applicable fees, will be paid out to you in a reasonable time in form of an ACH or Check. If an investigation is pending at the time you close your Account, we may hold your funds as described herein. If you are later determined to be entitled to some or all of the funds in dispute, we will release those funds to you.

• 19.2 If we terminate this Agreement and your Account, and you will remain liable for all amounts due under your Account up to and including the date of termination. All of the sections of the TOS will survive any termination except the License section and the consent to use of data Any use of the Sites and/or the App after termination is unlicensed and is in violation of the copyright and other rights of DNERO.

20. Restricting Access to DNERO for Investigations. We may restrict access to funds in your DNERO Account to allow us to investigate the use of your DNERO Account, resolve any pending dispute, in response to a court order or if otherwise requested by law enforcement or any governmental entity. We may restrict access to funds in your DNERO Account for the time that it takes for us to complete any pending investigation or resolve a pending dispute. We also may restrict access to your funds as required by law, court order, or if otherwise requested by law enforcement or governmental entity.

21. Tax Reporting Requirements. Because state and local tax laws vary significantly by locality, you understand and agree that you are solely responsible for determining your own tax reporting requirements. We cannot and do not offer tax advice to users.

22. Purchasing Limitations. We may, in our sole discretion, prohibit the creation of a DNERO Account for any reason.

23. DNERO is not a money services business. DNERO is not a bank or a money services business (“MSB”).

24. Governing Law. Regardless of the state of your residence as a Buyer or Recipient of the Service, this Agreement will be governed by California law as applied to agreements entered into and to be performed entirely within California, without regard to its choice of law or conflicts of law principles, except to the extent preempted, superseded, or supplemented by federal law. You agree that the provisions of this Agreement relating to interest, charges and fees shall be governed by federal law and construed in accordance with federal law, and as made applicable by federal law, the law of the state of California. This Agreement does not limit any rights that DNERO may have under trade secret, copyright, patent or other laws.

25. Changes to this Agreement. DNERO reserves the right at any time to modify this Agreement and to impose new or additional terms or conditions on your use of the Service. Such modifications and additional terms and conditions will be effective immediately and incorporated into this Agreement. If written notice is required by law, DNERO will provide such notice to you. Amendments will apply to outstanding balances, except as otherwise indicated in the written notice or as otherwise provided by applicable law. Your continued use of the Service will be deemed acceptance thereof. This Agreement, except when amended in accordance with this Agreement, is the final expression of the Agreement between DNERO and you and may not be contradicted by evidence of any alleged oral agreement. This Agreement and any revision thereof can be found at https://www.dneroapp.com.

26. Warranties. DNERO make no warranties, express or implied, with respect to a DNERO Account including, without limitation, any express or implied warranty of merchantability or fitness for a particular purpose. These limitations may not apply to you. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or liability may not apply to you, and you may also have additional rights.

27. Limitation of Warranties. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. USE OF THE SERVICE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, DNERO, ITS PROCESSORS, ITS PROVIDERS, ITS LICENSORS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD. DNERO DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND DNERO WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRDPARTY PROVIDERS OF PRODUCTS OR SERVICES.

28. Limitation on Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DNERO, ITS PROCESSORS, SUPPLIERS OR ITS LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS AND EMPLOYEES) BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICE. UNDER NO CIRCUMSTANCES WILL DNERO BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR PROFILE OR THE INFORMATION CONTAINED THEREIN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DNERO AND ITS PROCESSORS (AND THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICE; (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICE; AND/OR (VII) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. IN NO EVENT SHALL DNERO, ITS PROCESSORS, AGENTS, SUPPLIERS, OR LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICE DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF DNERO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

29. Indemnity. You will indemnify, defend and hold us and our processors harmless (and our respective employees, directors, agents, affiliates and representatives) from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys ’fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in this Agreement, including without limitation any violation of our terms and conditions; (b) your wrongful or improper use of the Service; (c) any transaction submitted by you through the Service (including without limitation the accuracy of any product information that you provide or any claim or dispute arising out of products or services offered or sold by you); (d) your violation of any third-party right, including without limitation any right of privacy, publicity rights, or Intellectual Property Rights; (e) your violation of any law, rule or regulation of the United States or any other country; or (f) any other party’s access and/or use of the Service with your unique username, password or other appropriate security code.

30. Dispute Resolution.

• 30.1 Negotiations. Before initiating any arbitration or court proceeding, you and DNERO agree to first attempt to negotiate any dispute, controversy or claim related to these TOS ("Claim") (except those Claims expressly provided in Section 30.6 below) informally for at least thirty (30) days. Negotiations will begin upon written notice. DNERO will send its notice to your billing address and email you a copy to the email address you have provided to us. You will send your notice to DNERO at 18952 MacArthur Blvd. Ste 4D Irvine, CA 92612. ATTN: DISPUTE RESOLUTION. 30.2 Binding Arbitration. If the parties fail to resolve a Claim through negotiations, within such thirty (30)-day period, either you or DNERO may elect to have the Claim (except as otherwise as provided in Section 30.6 below) finally and exclusively resolved by binding arbitration by sending a written notice requesting arbitration to the other party. Any election to arbitrate by one party shall be final and binding on the other. The arbitration will be conducted under the Streamlined Arbitration Rules and Procedures of JAMS that are in effect at the time the arbitration is initiated (the "JAMS Rules") and under the terms set forth in this TOS. In the event of a conflict between the terms set forth in this Section and the JAMS Rules, the terms in this Section will control and prevail. Except as otherwise set forth herein, you may seek any remedies available to you under federal, state or local laws in an arbitration action. As part of the arbitration, both you and we will have the opportunity for discovery of non-privileged information that is relevant to the Claim. The arbitrator will provide a written statement of the arbitrator's decision regarding the Claim, the award given and the arbitrator's findings and conclusions on which the arbitrator's decision is based. The determination of whether a Claim is subject to arbitration shall be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Except as otherwise provided in this TOS, (i) you and DNERO may litigate in court to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate or enter judgment on the award entered by the arbitrator; and (ii) the arbitrator's decision is final, binding on all parties and enforceable in any court that has jurisdiction, provided that any award may be challenged if the arbitrator fails to follow applicable law.

BY AGREEING TO THIS ARBITRATION PROVISION, YOU UNDERSTAND THAT YOU AND DNERO ARE WAIVING THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

• 30.3 Arbitration Fees. If you initiate arbitration for a Claim, you will only need to pay an arbitration initiation fee of $250 and we will pay all other costs charged by JAMS for initiating the arbitration. If we are initiating arbitration for a Claim, we will pay all costs charged by JAMS for initiating the arbitration. All other fees and costs of the arbitration will be charged pursuant to the JAMS Rules. Notwithstanding other terms of this TOS to the contrary, you will not be required to pay our attorneys' fees or other costs if you do not prevail in the arbitration.

• 30.4 Location. The arbitration will take place in your hometown area if you so notify DNERO in your notice of arbitration or within ten (10) days following receipt of DNERO's arbitration notice. In the absence of a notice to conduct the arbitration in your hometown area, the arbitration will be conducted in Orange County, California, unless the parties agree to video, phone and/or internet connection appearances. Any Claim not subject to arbitration (other than claims proceeding in any small claims court), or where no election to arbitrate has been made, shall be decided exclusively by a court of competent jurisdiction in Orange County, California, United States of America, and you and DNERO agree to submit to the personal jurisdiction of that court.

• 30.5 Limitations. You and DNERO agree that any arbitration shall be limited to the Claim between DNERO and you individually.

YOU AND DNERO AGREE THAT (A) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS-ACTION BASIS OR TO UTILIZE CLASS ACTION PROCEDURES; (B) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR AS A PRIVATE ATTORNEY GENERAL; AND (C) NO ARBITRATION SHALL BE JOINED WITH ANY OTHER.

• 30.6 Exceptions to Negotiations and Arbitration. You and DNERO agree that the following Claims are not subject to the above provisions concerning negotiations and binding arbitration: (i) any Claims seeking to enforce or protect, or concerning the validity of, any of your or DNERO's intellectual property rights; (ii) any Claim related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and (iii) any claim for equitable relief. In addition to the foregoing, either party may assert an individual action in small claims court for Claims that are within the scope of such courts' jurisdiction in lieu of arbitration.

31. Apple Terms and Conditions. You and DNERO acknowledge that the terms are solely between you and DNERO, and not with Apple, Inc. ("Apple"), and DNERO, not Apple, is solely responsible for the App and the content contained within the App. You further acknowledge that the usage rules for the App are subject to any additional restrictions set forth in the Usage Rules for the Apple App Store Terms of Service as of the date you download the App. In the event of any conflict between the terms and conditions of the Usage Rules for the Apple App Store Terms of Service and the terms and conditions of the Terms, the terms and conditions of the Usage Rules for the Apple App Store Terms of Service will govern if they are more restrictive

32. The license granted to you is limited to a non-transferable license to use the App on any iPhone, iPod touch or iPad that you own or control as permitted by the Usage Rules set forth in the Apple App Store Terms of Service. You acknowledge and agree that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

• 32.1 You acknowledge and agree that Apple is not responsible for any product warranties, whether express or implied by law, with respect to the App. You also acknowledge and agree that to the extent that there are any applicable warranties, or any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any such applicable warranty, such will be the sole responsibility of DNERO. However, you understand and agree that in accordance with the Terms, DNERO has disclaimed all warranties of any kind with respect to the App, and therefore, there are no warranties applicable to the App. 32.3 You acknowledge and agree that as between Apple and DNERO, DNERO, not Apple, is responsible for addressing any of your claims or any third-party claims relating to the App or your possession and/or use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

• 32.4 The parties acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of the Terms, and that, upon your acceptance of the terms and conditions of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce any of the terms and conditions of the Terms against you as a third-party beneficiary thereof.

33. Severability. You and DNERO agree that if any portion this Section 34 is found illegal or unenforceable (except any portion of Section 30.6), that portion shall be severed and the remainder of the Section shall be given full force and effect. If Section 30.6 is found to be illegal or unenforceable then neither you nor DNERO will elect to arbitrate any Claim falling within that portion of Section 30.6 found to be illegal or unenforceable and such Claim shall be exclusively decided by a court of competent jurisdiction within San Francisco, State of California, United States of America, and you and DNERO agree to submit to the personal jurisdiction of that court.

34. General.

• 34.1 TOS Revisions. This TOS may only be revised in a writing signed by DNERO, or published by DNERO on the Sites.

• 34.2 No Partnership. You agree that no joint venture, partnership, employment, or agency relationship exists between you and DNERO as a result of this TOS or your use of the Service or the App.

• 34.3 Assignment. DNERO may assign this TOS, in whole or in part, to any person or entity at any time with or without your consent. You may not assign the TOS without DNERO's prior written consent, and any unauthorized assignment by you shall be null and void.

• 34.4 No Waiver. Our failure to enforce any provision of this TOS shall in no way be construed to be a present or future waiver of such provision, nor in any way affect the right of any party to enforce each and every such provision thereafter. The express waiver by us of any provision, condition or requirement of this TOS shall not constitute a waiver of any future obligation to comply with such provision, condition or requirement.

• 34.5 Notices. All notices given by you or required under this TOS shall be in writing and addressed to: DNERO Wallet Inc. dba DNERO, 18952 Macarthur Blvd. Ste 4D Irvine, CA 92612: Legal.

• 34.6 Equitable Remedies. You hereby agree that DNERO would be irreparably damaged if the terms of this TOS were not specifically enforced, and therefore you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to breaches of this TOS, in addition to such other remedies as we may otherwise have available to us under applicable laws.

• 34.7 Entire Agreement. This TOS, including the documents expressly incorporated by reference, constitutes the entire agreement between you and us with respect to the Sites and/or Service and supersedes all prior or contemporaneous communications, whether electronic, oral or written, between you and us with respect to the Sites and/or Service.

• 35.1 E-Sign Consent. DNERO Wallet Inc. and their respective affiliates and third-party service providers may provide you with certain communications, notices, agreements, Transaction Account statements, or disclosures in writing (“Communications”) regarding the Transaction Account and Cards. Your agreement to these E-signature and Electronic Disclosure Consent Terms confirms your ability and consent to receive Communications electronically from Bank, Servicer and their respective affiliates and third-party service providers rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, you may be restricted from using the Services.

• 35.2 Electronic Delivery of Communications. Under this Consent, we may provide all Communications electronically by email, or to the mobile phone number you provided as part of your application for the Transaction Account or Card, or by making them accessible via a Servicerpowered website or mobile application. Communications include (a) agreements and policies required to use the Transaction Account and the Card, (b) the Transaction Account balances and transaction history, and Transaction Account statements, (c) required federal and state documents, and (d) any other written Communications between you and us. We may also use electronic signatures and obtain them from you.

• 35.3 System Requirements. To access and retain the electronic Communications, you will need the following:

• A mobile device with Internet or mobile connectivity.
• A recent device operating system that supports text messaging, email, downloading, and applications from the Apple App Store or Google Play store.
• The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.
• IF APPLICABLE: The DNERO mobile application.

• 35.4 Withdrawal of Consent to Electronic Communications. You may withdraw your Consent to receive electronic Communications at any time, by sending an email to support@dneroapp.com. However, withdrawal of your consent to receive electronic Communications may result in termination of your access to your Transaction Account and your Card. Any withdrawal of your Consent will be effective after a reasonable period of time for processing your request.

• 35.5 Updating your Mobile Phone Number or Email. You can change your mobile phone number or email address by emailing support@dneroapp.com.

• 35.6 Telephone Communications. We, Servicer and Program Partner may record or monitor any telephone conversations with you. If we do record, we do not have to keep the recordings, unless applicable law says that we must. When you give us your mobile number, we have your Consent to contact you at that number about your Card and Transaction Account. Your Consent allows us to use text messaging, artificial or prerecorded voice messages, and automatic dialing technology for informational and service calls, but not for telemarketing or sales calls. This Communication may include contact from companies working on our behalf to service your Transaction Account. Message and data rates may apply. You may change these texting and messaging preferences by emailing support@dneroapp.com.

36. DNERO Card Cardholder Agreement and Additional Terms and Conditions. Your use of the DNERO Card is governed by the Cardholder Agreement, which includes the Partner Bank’s Privacy Policy, and the Program Manager’s Privacy Policy. The card funding methods available with your DNERO card (the “Funding Sources”) are Transfer, rePower, check load, and funding from Linked Account. DNERO may add or remove Funding Sources to or from your DNERO Card in its sole discretion at any time. DNERO is not responsible for any typographical errors.

Please contact us a Support@dneroapp.com with any questions regarding this TOS.

DNERO Wallet, Inc. Banking Services Agreement

Deposit Accounts and Electronic Fund Transfer Terms

Last Updated and Effective Date: March 4, 2026

IMPORTANT – READ CAREFULLY

This Banking Services Agreement ("Agreement") sets forth the terms and conditions governing deposit accounts and banking services provided by Zenus Bank International, Inc. (the "Bank") through DNERO Wallet, Inc. (the "Client"). This Agreement is an addendum to the DNERO Terms and Conditions and DNERO Privacy Policy and should be read in conjunction with those documents.

1. Deposit Account Services

1.1 About Your Deposit Account

Your deposit account with the Bank allows you to hold, receive, and transfer funds in accordance with the terms of this Agreement. The following terms apply to your account:

• Funds held in your account will not earn interest
• Your account may hold any currencies supported by the Bank from time to time (for example, U.S. Dollars or USD). For a current list of supported currencies, please see https://www.dneroapp.com
• Your account may not hold currencies that are not supported by the Bank
• The Bank may add or remove supported currencies at any time without prior notice
• You may withdraw, transfer, or use your funds at any time subject to the limits and restrictions set forth in this Agreement
• The funds in your account belong solely to you as the registered account holder
• You cannot authorize another person to operate your account or give payment instructions on your behalf
• Your account is a true U.S. bank account governed by the U.S. Bank Secrecy Act, USA PATRIOT Act, and OFAC regulations

1.2 Account Characteristics

Your deposit account is maintained as a non-interest-bearing transaction account. You are responsible for monitoring your account balance and ensuring sufficient funds are available before initiating transactions. The Bank is a full reserve bank and does not lend deposited funds to other customers. Important: Deposited funds are not insured by the Federal Deposit Insurance Company (FDIC).

1.3 Permitted Account Uses

You may use your deposit account for personal or small business transactions. You may not use your account:

• For illegal purposes or in violation of any applicable law
• To transfer or receive funds from unlawful internet gambling as defined by the Unlawful Internet Gambling Enforcement Act (UIGEA) or the Interstate Wire Act of 1961
• For activity identified as or resembling fraud, money laundering, or terrorist financing
• To take advantage of foreign exchange (FX) market discrepancies
• To pledge funds to third parties
• On behalf of any other person

2. Account Deposits and Funds Availability

2.1 Accepted Deposit Methods

You may fund your deposit account through the following methods:

• Internal transfers between DNERO Wallet, Inc. accounts (Zen Transfers)
• Wire transfers (SWIFT or domestic wire)
• Automated Clearing House (ACH) transfers, including direct deposits
• Visa Direct transfers
• Any other deposit methods made available by DNERO Wallet, Inc.

Not all deposit methods may be available.

The Bank does not accept check deposits or ATM deposits.

2.2 Deposit Verification and Validation

To comply with anti-money laundering (AML), counter-terrorist financing (CTF), and Know Your Customer (KYC) regulations, the Bank will validate all incoming deposits using your Identifying Information. Deposits must include:

• Correct beneficiary name, address, and account number
• Correct originator name and address
• Originating bank name and address

The Bank may return deposits to the originating bank if:

• Identifying Information is incomplete or inconsistent
• The deposit is identified as potentially suspicious under the Bank Secrecy Act or USA PATRIOT Act
• The transaction violates OFAC regulations or applicable law

2.3 Deposit Holds and Delays

The Bank may place a hold on deposits if it suspects suspicious activity under the Bank Secrecy Act, USA PATRIOT Act, or OFAC regulations. During any investigation or validation of Identifying Information, the Bank will not be responsible for delays in crediting your account.

Funds Availability:

• Same-Day Availability: Internal transfers between DNERO Wallet, Inc. accounts are credited immediately upon receipt. Wire transfers and ACH transfers are credited on the Business Day the Bank receives the deposit. If a deposit is received after Business Hours or on a non-Business Day, it will be considered received on the next Business Day.
• Delayed Availability: In certain circumstances, the availability of deposits may be extended by one (1) Business Day as permitted under Regulation CC of the Expedited Funds Availability Act.

2.4 Deposit Fees and Adjustments

The amount of incoming funds will be reduced according to applicable fees disclosed on https://www.dneroapp.com. The Bank will debit applicable charges for each transfer and will notify you of debits and credits through email or push notifications if enabled.

You are responsible for:

• Providing correct account details for the selected currency (currency mismatches may trigger conversions and associated fees)
• Any costs related to omission of beneficiary bank details
• Charges assessed by correspondent banks

For deposits received via SWIFT, funds are provisional until the Bank receives final payment. If final payment is not received, you are responsible for refunding the Bank. All incoming wires must be processed and accepted within five (5) days; wires exceeding five (5) days will be rejected.

2.5 Foreign Currency Conversions

Deposits received in foreign currencies will be converted to USD at the institutional bank rate on the day the transaction is received. The rate includes the Bank's commission for the conversion service. The Bank is not responsible for losses incurred during currency exchange or for charges made by other banks during conversion.

3. Account Payments and Transfers

3.1 Payment Methods

You may make payments and transfers from your deposit account using the following methods:

• DNERO Wallet, Inc. Visa Debit Card
• Zen Transfers (transfers to other DNERO Wallet, Inc. accounts)
• Visa Direct transfers
• SWIFT transfers
• ACH transfers
• Wire transfers (domestic or international)

3.2 Payment Requirements

To complete any payment or transfer, you must:

• Maintain sufficient available funds in your account to cover the payment amount and any applicable fees
• Provide clear and accurate payment instructions
• Comply with all transaction limits set forth on https://www.dneroapp.com

If a transaction would reduce your account balance below zero, the transaction will be rejected and will not be processed.

3.3 Payment Rejection

Payments may be rejected or delayed for any of the following reasons:

• Insufficient available funds in your account
• Unclear or incomplete payment instructions
• Unusual account activity or potential OFAC violations
• Transactions exceeding established limits
• Your account has been suspended, levied, embargoed, or closed
• Suspected fraud or suspicious activity
• Compliance concerns

You will be notified of any payment rejection, cancellation, or blocking within twenty-four (24) hours through DNERO Wallet, Inc.'s platform and by email to your registered email address.

3.4 Returned Payments

The Bank is not responsible for:

• Fees charged by other banks that return your payments
• Losses incurred as a result of currency conversions
• Payment delays or failed transfers resulting from incorrect beneficiary account details

You are solely responsible for entering correct beneficiary information to avoid payment delays and loss of funds.

3.5 Direct Debit Authorizations

You may authorize merchants or service providers to charge your account on a recurring basis for subscription services, memberships, or regular payments. If you authorize direct debits:

• You are responsible for ensuring sufficient funds are available before each scheduled payment
• You must monitor your account for recurring charges
• If insufficient funds are available, the Bank will not process the transaction
• To cancel a recurring direct debit, you must contact the merchant directly and notify the Bank at least three (3) Business Days before the next scheduled payment

4. Account Restrictions and Blocked Transactions

4.1 Transaction Delays and Blocks

Transactions may be delayed, cancelled, or blocked if:

• The Bank deems the transaction suspicious under AML or Bank Secrecy Act provisions
• The transaction potentially violates OFAC sanctions or regulations
• The Bank believes the transaction is related to fraud or prohibited activity
• The transaction violates this Agreement or DNERO Terms and Conditions
• Your account has been suspended or closed

4.2 Prohibited Transaction Activity

You may not use your account for:

• Unlawful internet gambling or illegal betting activities
• Money laundering or terrorist financing
• Taking advantage of foreign exchange market discrepancies
• Any activity that violates federal, state, or local laws
• Any transaction that violates the terms of this Agreement

5. Recurring Transactions and Automatic Payments

5.1 Authorization and Responsibility

By authorizing recurring transactions or automatic payments from your account, you authorize the Bank to debit your account on each scheduled date for the authorized amount. You remain responsible for:

• Ensuring sufficient funds are available before each recurring payment
• Monitoring your account for all recurring charges
• Canceling recurring transactions you no longer wish to authorize

5.2 Stopping Recurring Transactions

To stop a recurring transaction:

1. Contact the merchant or service provider directly to cancel the authorization
2. Contact DNERO Wallet, Inc. at support@dneroapp.com | +1 (855) 918-4128 at least three (3) Business Days before the next scheduled payment
3. Provide written confirmation if requested (within fourteen (14) days)

You should contact both the merchant and the Bank to ensure the recurring authorization is fully canceled.

6. Account Negative Balances and Overdrafts

6.1 No Overdraft Protection

The Bank does not offer overdraft protection or credit features. You cannot create a negative balance in your account through transactions. However, in certain circumstances, account activity may result in a negative balance, including:

• Direct debit or automatic payments that are processed without authorization holds
• Fees assessed after transactions are authorized
• Final settlement amounts that exceed authorization holds
• Fraudulent or unauthorized transactions pending investigation

6.2 Responsibility for Negative Balances

If your account incurs a negative balance, you are fully responsible for:

• Immediately repaying the negative amount
• Any fees associated with the negative balance as disclosed on https://www.dneroapp.com

The Bank reserves the right to:

• Suspend or cancel your account
• Pursue collection of the outstanding amount through legal proceedings
• Charge fees for account management during the collection process
• Deduct collection costs and legal fees from your account

If you maintain a Visa Debit Card linked to this account, additional provisions regarding negative balances apply under the Cardholder Agreement.

7. Returns and Refunds

7.1 Merchant Refunds

If you are entitled to a refund for goods or services purchased using your account or linked card, you agree to accept credits back to your deposit account. You are not entitled to receive cash refunds.

Refunds are processed by merchants and may take several Business Days to appear in your account. The Bank is not responsible for the timing or processing of merchant refunds.

7.2 Refund Restrictions

Some merchants may:

• Decline to process refunds to your account
• Require the original purchase receipt or documentation to verify the return
• Restrict refunds to the original payment method

8. Transaction Errors and Error Resolution

8.1 Error Notification Requirements

If you believe an error has occurred with any transaction on your account, you must notify DNERO Wallet, Inc. or the Bank promptly. You must report errors within sixty (60) days after the earlier of:

• The date you electronically access your transaction history and could have viewed the error, or
• The date the Bank first made the transaction history or statement available to you

8.2 Information Required for Error Reports

When reporting an error, you must provide:

1. Your name and account number
2. A description of the error and why you believe it is an error
3. The dollar amount of the suspected error
4. The approximate date the error occurred
5. Any supporting documentation

If you initially report an error orally, the Bank may require written confirmation within ten (10) Business Days.

8.3 Investigation Procedures

The Bank will investigate your reported error and determine whether an error occurred within ten (10) Business Days after receiving your complaint.

If more time is needed, the Bank may take up to:

• Forty-five (45) days for most transactions
• Ninety (90) days for:
• New accounts (initial activation or first transaction within the last 30 days)
• Point-of-sale transaction errors
• Foreign-initiated transactions

If the investigation period is extended, the Bank will provisionally credit your account within ten (10) Business Days (or twenty (20) Business Days for new accounts) for the amount you believe is in error.

8.4 Investigation Results

The Bank will notify you of the investigation results within three (3) Business Days after completing the investigation. If the Bank determines that no error occurred, it will:

• Send you a written explanation
• Debit your account for any provisional credit previously provided

You may request copies of all documents the Bank used in its investigation.

9. Unauthorized Transactions and Fraud Protection

9.1 Notification of Unauthorized Activity

You must notify the Bank immediately if you believe:

• Your account has been lost, stolen, or compromised
• Your password or credentials have been compromised
• Unauthorized transactions have been made on your account
• Someone has accessed your account without authorization

Contact the Bank immediately by:

• Calling support@dneroapp.com | +1 (855) 918-4128
• Using the account lock or freeze feature if available
• Submitting a support request through DNERO Wallet, Inc.'s platform

9.2 Your Liability for Unauthorized Electronic Fund Transfers

Your liability for unauthorized electronic fund transfers depends on how quickly you report the loss, theft, or unauthorized use:

Within Two (2) Business Days: If you notify the Bank within two (2) Business Days after learning of the loss or theft of your account credentials or unauthorized account access, your maximum liability for unauthorized transactions is $50.

After Two (2) Business Days but Within Sixty (60) Days: If you do NOT notify the Bank within two (2) Business Days after learning of the loss or theft, and the Bank can prove it could have stopped unauthorized use if you had notified it in time, you could lose as much as $500.

After Sixty (60) Days: If your account statement shows unauthorized transfers and you do NOT notify the Bank within sixty (60) days after the Bank first made the statement available, you may not recover any money lost after the 60-day period if the Bank can prove it could have stopped the unauthorized transactions if you had notified it in time.

Good Cause Extensions: If a valid reason (such as extended travel or hospitalization) prevented you from notifying the Bank within the specified timeframes, the Bank will extend the time periods accordingly.

9.3 Cooperation with Investigation

Upon reporting unauthorized activity, you agree to:

• Cooperate fully with the Bank's investigation
• Provide all requested information and documentation
• Assist in the prosecution of unauthorized users
• Sign any necessary affidavits or documents related to the investigation

10. Account Inactivity

10.1 Inactive and Dormant Accounts

• Inactive Account: If you have not made any transactions on your account for twelve (12) consecutive months, your account will be classified as Inactive.
• Dormant Account: If you have not accessed or made any transactions on your account for twentyfour (24) consecutive months, your account will be classified as Dormant.
• Account Closure: If your account remains Dormant for five (5) years or more, the Bank may close your account. Funds will be transferred to Puerto Rico's Office of the Commissioner of Financial Institutions in accordance with the Regulation of Abandoned and Unclaimed Funds and Assets (Act 26 of 1989). The Bank will not be responsible for abandoned funds.

10.2 Inactivity Fees

If your account remains inactive as defined on https://www.dneroapp.com, the Bank may:

• Charge card inactivity fees as disclosed on https://www.dneroapp.com
• Suspend or close your account
• Refuse to replace your card without charging replacement fees

11. Account Suspension and Closure

11.1 Suspension by the Bank

The Bank reserves the right to suspend, restrict, or close your account at any time with or without prior notice if:

• The Bank suspects fraud, unauthorized use, money laundering, terrorist financing, or illegal activity
• Your account activity violates U.S. banking laws, the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, or any federal, state, or local law
• You violate this Agreement or DNERO Terms and Conditions
• The Bank is required to do so by law, court order, subpoena, or government mandate
• Your account has been inactive for an extended period
• The Bank determines that continued account services pose unacceptable risk
• You owe more than three (3) months in account fees or membership fees

The Bank will contact you to request additional information regarding the reason for suspension. After reviewing your response, the Bank will determine whether to unsuspend or close the account.

11.2 Closure by You

You may close your account at any time by:

1. Contacting DNERO Wallet, Inc. at support@dneroapp.com | +1 (855) 918-4128
2. Requesting an Account Closure Request Form
3. Following all instructions provided by DNERO Wallet, Inc.

Before closing your account:

• You must pay all outstanding fees and charges
• You must transfer the remaining account balance to another account in your name at a different financial institution
• If funds remain on the account after closure, the Bank may charge an administrative fee to transfer the funds

11.3 Effect of Account Closure

Upon account closure:

• You must immediately cease all use of the account
• Any outstanding negative balance or fees remain your responsibility
• The Bank may continue to process pending transactions
• You must destroy any linked physical cards by cutting them through the magnetic stripe and chip
• The Bank will retain your account information for five (5) years in accordance with the Bank Secrecy Act and applicable laws

12. Account Embargoes and Legal Process

12.1 Legal Process and Court Orders

If the Bank receives any legal process, summons, court order, injunction, execution, levy, garnishment, attachment, restraining order, lien, or notice from any court or government authority (including the Puerto Rico Department of Treasury or U.S. Internal Revenue Service) affecting your account (collectively, "Legal Process"), the Bank may, in its sole discretion and without liability:

• Refuse to honor transactions or payment orders
• Suspend or freeze your account
• Block or restrict access to funds
• Comply with the Legal Process as required
• Deliver funds as directed by the Legal Process

12.2 No Challenge or Defense

The Bank will not challenge, question, contest, or raise any defense regarding any Legal Process. The Bank will strictly comply with the terms of any Legal Process until it receives a written order from the same court or authority indicating that the funds may be released.

12.3 Account Embargoes

If an embargo is ordered by a U.S. or Puerto Rico court or government entity, the Bank may be mandated to:

• Block all transactions on your account
• Suspend your account access
• Turn over the account to the court or government authority

12.4 Your Liability for Legal Process Costs

You agree to be liable for any loss, cost, or expense the Bank incurs as a result of any Legal Process, including:

• Reasonable attorney's fees to the extent permitted by law
• Embargo processing fees
• Account management and administrative costs

The Bank may deduct such costs from your account without prior notice if not previously reimbursed. The Bank may also charge additional fees as established from time to time in connection with the Legal Process.

13. Account Fees and Charges

13.1 Fee Disclosure

All fees associated with your deposit account are disclosed on https://www.dneroapp.com and in DNERO Fee Schedule. Fees may include but are not limited to:

• Monthly membership or maintenance fees
• Transaction fees (wire transfers, ACH transfers, Visa Direct transfers)
• ATM withdrawal fees (if charged by the Bank; ATM operators may charge additional fees)
• Foreign transaction or currency conversion fees
• Card replacement fees
• Returned item fees
• Account research or statement copy fees
• Closing fees
• Embargo processing fees
• Collection costs and legal fees

13.2 Fee Changes

Fees are subject to change at any time without prior notice. You are responsible for reviewing the current fee schedule on https://www.dneroapp.com.

13.3 Fee Deduction

The Bank will automatically deduct all fees from your account. If your account has insufficient funds to cover fees, the Bank may:

• Suspend or close your account
• Pursue collection of the outstanding fees
• Charge additional fees related to the default

13.4 Monthly Membership Fees

If your account includes a monthly membership fee:

• The fee will be charged on the anniversary date of account opening or the last day of the month (for shorter months)
• Membership fees can only be paid from your account
• You are responsible for ensuring sufficient funds are available to cover the monthly fee
• If you owe more than three (3) months in membership fees, your account will be suspended

If you hold funds in a currency other than USD, membership fees will be deducted at the exchange rate on the day the fee is charged.

13.5 ATM Fees

The Bank does not charge fees for ATM withdrawals made at DNERO Wallet, Inc.-affiliated ATMs. However, ATM operators, non-bank ATM owners, and service providers may charge fees for using their ATMs. The Bank is not responsible for third-party ATM fees.

13.6 Foreign Transaction Fees

If you use your account for transactions in foreign currencies or conduct transactions in jurisdictions outside the United States, the Bank may charge foreign transaction fees as disclosed on https://www.dneroapp.com.

14. Funds Transfers and Limitations

14.1 Transfer Methods and Limits

Daily transaction limits, transfer frequency limits, and other restrictions are set forth on https://www.dneroapp.com. These limits may vary based on:

• Your account type and verification level
• Your account history and transaction patterns
• Compliance and risk management requirements

14.2 Modification of Limits

The Bank reserves the right to modify transaction limits at any time for security, risk management, or compliance purposes. The Bank may make changes without prior notice if required for security reasons.

14.3 Exceeding Limits

If a transaction exceeds the established limits, the Bank may:

• Decline the transaction
• Require additional verification before processing
• Suspend or close the account

15. Our Liability

15.1 Limited Liability for Failed Transactions

The Bank will not be liable if it fails to complete a transaction on time or in the correct amount if:

• Through no fault of the Bank, your account does not contain sufficient available funds
• A third-party processor or financial institution refuses to complete the transaction
• Your account has been suspended, frozen, or closed
• Equipment, systems, or internet services malfunction and you were aware of the malfunction
• Circumstances beyond the Bank's reasonable control prevent completion (power outages, natural disasters, pandemics, payment network failures, etc.)
• Completion would violate applicable law, OFAC regulations, or this Agreement
• You provided incomplete or incorrect information

15.2 Limitation of Damages

The Bank's liability for any transaction error is limited to correcting the error and crediting your account for the error amount. The Bank will not be liable for:

• Consequential, indirect, incidental, special, or punitive damages
• Loss of profits, business interruption, or lost opportunity
• Damages exceeding the amount of the erroneous transaction

Some jurisdictions do not allow limitation of certain damages, so these limitations may not apply to the extent prohibited by applicable law.

16. Account Security and Monitoring

16.1 Your Responsibility

You are responsible for:

• Keeping your password and authentication credentials confidential and secure
• Not disclosing your credentials to anyone
• Changing your password regularly
• Using recommended password security requirements
• Setting up and using biometric authentication where available
• Monitoring your account regularly for unauthorized activity
• Reporting suspicious activity immediately

16.2 Biometric Authentication

If you enable biometric authentication (facial recognition, fingerprint, voice recognition), you acknowledge that anyone with access to your device will be able to access your account using the stored biometric information. You understand that:

• Biometric authentication requires your authorization to enable
• The Bank may disable biometric authentication at any time
• You are responsible for maintaining device security

16.3 Third-Party Provider Access

You may permit open-banking companies and third-party providers to access your account and make debits on your behalf. You are responsible for:

• Verifying that providers are properly authorized by their regulatory jurisdiction
• Understanding the scope of authority granted to providers
• Monitoring for suspicious activity through providers

The Bank will block transactions it suspects are fraudulent and notify you immediately.

17. Communications and Statements

17.1 Electronic Statements

The Bank provides electronic monthly statements showing all transactions and processing dates. You can access your statement through DNERO Wallet, Inc.'s platform at any time.

If you request a paper statement by mail, the Bank may charge a fee for this service.

17.2 Transaction Documentation

You should obtain and retain receipts for all transactions. If you use your account with an ATM or point-of-sale terminal, you should receive a receipt for transactions over $15.00.

17.3 Electronic Communications

You consent to receiving all communications, disclosures, and statements electronically as described in the DNERO Terms and Conditions. You are responsible for:

• Maintaining current and accurate contact information
• Ensuring your email and messaging systems can receive communications
• Reviewing all electronic communications promptly
• Updating contact information if it changes

You may withdraw consent to electronic communications by contacting DNERO Wallet, Inc., but the Bank may close your account if unable to communicate with you.

18. Privacy and Data Protection

All information regarding your account is protected in accordance with DNERO Privacy Policy. You acknowledge and agree that:

• The Bank, DNERO Wallet, Inc., and their service providers may collect, process, and share your personal information as necessary to provide account services and comply with legal obligations
• Your information may be shared with regulatory authorities, law enforcement, and government agencies as required by law
• The Bank may disclose information about your account to third parties for transaction completion, compliance investigations, and legal process
• You have reviewed and accepted DNERO Privacy Policy

19. General Terms

19.1 Account Non-Transferability

You cannot transfer, assign, or yield this account or your rights to another person. You cannot authorize any person to operate your account or give payment instructions on your behalf. The account is issued to you personally and may not be transferred.

19.2 Bank's Right to Assign

The Bank may assign, transfer, or delegate this Agreement or any of its rights or obligations to any third party without your consent or prior notice.

19.3 Force Majeure

The Bank is not liable for any failure or delay in performing its obligations if such failure or delay is due to events beyond its reasonable control, including acts of God, natural disasters, pandemics, war, civil unrest, labor disputes, telecommunications failures, power outages, payment network failures, or other circumstances beyond reasonable control.

19.4 Governing Law and Jurisdiction

This Agreement is governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico and applicable U.S. federal banking laws and regulations. Any legal conflict arising from this Agreement must be represented in the courts of the Commonwealth of Puerto Rico, and by accepting this Agreement, you consent to the jurisdiction and venue of Puerto Rico courts.

19.5 Arbitration

To the extent permitted by applicable law, disputes shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, taking place in the Commonwealth of Puerto Rico. The arbitration shall be governed by the United States Arbitration Act. A single neutral arbitrator shall determine the claim and render a final award. Strict confidentiality shall govern arbitration proceedings.

19.6 Class Action Waiver

You and the Bank agree that all claims must be brought in an individual capacity only, not as a plaintiff or class member in any class, consolidated, or representative action. The arbitrator may not consolidate multiple claims or award relief to anyone other than you individually.

19.7 Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless the Bank, DNERO Wallet, Inc., and their respective officers, directors, employees, and agents against any and all claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use or misuse of your account
• Your violation of this Agreement or DNERO Terms and Conditions
• Your violation of any applicable law
• Any information you provide to the Bank
• Your execution and performance of this Agreement

This indemnification does not apply to claims arising as a direct result of the Bank's intentional misconduct or gross negligence.

19.8 Amendment

The Bank may amend this Agreement at any time. Changes will be made without prior notice and are at the Bank's sole discretion. When changes are made, the Bank will:

• Revise the effective date at the top of this Agreement
• Post the revised Agreement on https://www.dneroapp.com
• Provide additional notice via email or platform in some cases

Your continued use of your account after the effective date of amendments constitutes your acceptance. If you do not agree to amendments, you must stop using your account and request closure before the effective date.

19.9 Entire Agreement

This Agreement, together with DNERO Terms and Conditions and DNERO Privacy Policy, constitutes the entire agreement regarding your deposit account and supersedes all prior agreements.

19.10 Conflicts Between Agreements

If this Agreement conflicts with other agreements related to your account or services, this Agreement will control and take precedence with respect to deposit account services. Other agreements will only apply to the extent necessary to resolve conflicts with respect to specific services.

20. Contact Information

For questions about this Agreement or your deposit account, please contact:

DNERO Wallet, Inc. support@dneroapp.com | +1 (855) 918-4128 https://www.dneroapp.com

Card Issuer and Bank: Zenus Bank International, Inc. City Towers, 19th Floor 252 Ponce de León San Juan, PR 00918, USA Tel: +1 (787) 936-1111 Email: clientservices@zenus.com www.zenusbank.com

Acknowledgment and Acceptance

By opening, accessing, or using your deposit account, you acknowledge that:

• You have read and understood this Agreement
• You agree to be bound by all terms and conditions in this Agreement
• You have reviewed DNERO Terms and Conditions and DNERO Privacy Policy
• You understand the Bank is a full reserve bank and FDIC insurance does not apply
• You consent to electronic delivery of account statements and communications
• You understand the fees and terms applicable to your account
• You agree to all dispute resolution, arbitration, and class action waiver provisions

If you do not agree to this Agreement, you must not open an account and should contact DNERO Wallet, Inc. for assistance.

Last Updated: March 4, 2026 Effective Date: March 4, 2026

DNERO Wallet, Inc. Visa® Debit Card

Cardholder Agreement

Last Updated and Effective Date: March 4, 2026

IMPORTANT – READ CAREFULLY

1. Introduction and Parties to this Agreement

This Cardholder Agreement ("Agreement") sets forth the terms and conditions governing the DNERO Wallet, Inc. Visa® debit card (the "Card") issued to you by Zenus Bank International, Inc.

1.1 Definitions

The following terms have specific meanings in this Agreement:

• "Card" means the DNERO Wallet, Inc. Visa debit card issued to you by the Bank, including both Physical Cards and Virtual Cards.
• "Physical Card" means the physical card issued to you (which may be plastic, metal, or other materials).
• "Virtual Card" means the digital representation of your Card accessible through DNERO Wallet, Inc.'s platform or mobile application.
• "Funding Source" means the account or payment method linked to your Card from which funds are drawn to complete Card transactions. This is managed by DNERO Wallet, Inc. in accordance with DNERO Terms and Conditions.
• "Platform" means DNERO Wallet, Inc.'s website, mobile applications, and application programming interfaces.
• "Business Days" means Monday through Friday, excluding federal holidays and legal banking holidays in Puerto Rico.

1.2 Parties to this Agreement

Zenus Bank International, Inc. (the "Bank") is a financial institution licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico, USA as an International Financial Entity (license #IFE-061), and serves as the issuer of your Card.

Connect Fintech Services Inc. ("Program Manager") serves as the program manager for this Card program and provides certain operational and administrative services on behalf of the Bank.

DNERO Wallet, Inc. (the "Client," "we," "us," or "our") is the entity through which you have obtained access to the Card. We are responsible for customer onboarding, account management, and customer service in connection with your Card.

You ("you" or "your") are the person to whom the Card has been issued.

By requesting, activating, or using the Card, you agree to be bound by all terms and conditions in this Agreement, including the Arbitration Provision in Section 25.

The Card remains the property of the Bank and must be surrendered upon demand. The Card is nontransferable and may be canceled, suspended, or revoked at any time without prior notice, subject to applicable law.

2. Eligibility and Card Issuance

2.1 Age and Legal Capacity

To obtain and use a Card, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding contract
• Maintain an active relationship with DNERO Wallet, Inc. in good standing

Have an approved Funding Source linked to your Card

• Provide accurate, complete, and truthful information during registration and at all times

2.2 Identity Verification

To comply with applicable anti-money laundering (AML), counter-terrorist financing (CTF), and Know Your Customer (KYC) regulations, you must provide information and documentation as requested by DNERO Wallet, Inc., the Program Manager, or the Bank. This may include:

• Full legal name, date of birth, and residential address
• Government-issued identification documents
• Social Security Number, Tax Identification Number, or equivalent
• Proof of address documentation
• Additional information to verify your identity and assess risk

Failure to provide requested information or documentation may result in:

• Inability to obtain a Card
• Suspension or restriction of Card services
• Closure of your Card

You represent and warrant that all information you provide is accurate, complete, and current. You agree to promptly update your information if it changes.

2.3 Prohibited Jurisdictions and Card Issuance Restrictions

Prohibited Persons: Due to regulatory and compliance obligations, the Card is not available to, and the Bank will not issue Cards or process transactions for, any person who is:

a) Designated or identified as:

• Special Designated National (SDN)
• Sectorial Sanction Identification (SSI)
• Member of a State-Owned Enterprise (MSOE)
• Person related to financial crimes

b) Using a proxy or Virtual Private Network (VPN) to connect to services

c) Located in Puerto Rico

- d) Located in a jurisdiction sanctioned by the Office of Foreign Assets Control (OFAC) or countries selected by the Bank, including but not limited to:

• Burundi, Belarus, Bosnia, Central African Republic, Sudan, Cuba, Darfur, Democratic Republic of the Congo

Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Russia, Somalia, Syria - Ukraine (certain regions), Venezuela, Yemen, Zimbabwe

This list can be revised and updated by OFAC and the Bank at any time without notice.

Politically Exposed Persons (PEP): Persons identified as Politically Exposed Persons may be eligible for a Card but may require Enhanced Due Diligence (EDD) and additional verification before card issuance.

Card Issuance Restrictions: While the Bank is a Visa Principal Member, Cards can only be issued to residents of countries where the Bank is authorized to issue cards. If you reside in a country where the Bank is not authorized to issue Cards, you will not be issued one. Please see https://www.dneroapp.com for the current list of eligible countries for card issuance and any country-specific restrictions.

We reserve the right to block Cards and transactions related to targeted countries or specially designated nationals as required by OFAC regulations. Cards and transactions related to targeted countries and special designated nationals will be blocked, and any applicable assets will be under OFAC control.

2.4 Permitted Use

The Card is intended for personal use and small business use only. The Card is not a corporate card and may not be used for corporate or enterprise purposes.

You may not use the Card:

• For any illegal purpose, including unlawful internet gambling as defined by the Unlawful Internet Gambling Enforcement Act (UIGEA) or the Interstate Wire Act of 1961
• On behalf of any third party or to make transactions for the benefit of other persons
• In any manner that violates this Agreement, DNERO Terms and Conditions, or applicable law
• For activity that is identified as or resembles fraud, money laundering, or terrorist financing - To take advantage of foreign exchange market (FX) discrepancies

Important: All activity on your Card should be conducted by you alone as the registered cardholder. It is prohibited to make transactions on behalf of other persons using your Card.

3. Card Types and Functionality

3.1 Virtual Card

- Upon approval of your Card application and successful identity verification, you may receive access to a Virtual Card and/or Physical Card, depending on the card types offered by DNERO Wallet, Inc.. Not all card types may be available. Please see https://www.dneroapp.com for available card types.

Your Virtual Card details (if issued) will be displayed within the Platform and will be available for use for online purchases, in-app transactions, and other card-not-present transactions.

3.2 Physical Card

If you request or are issued a Physical Card, we will mail it to your verified address. When you receive your Physical Card, use the Platform to activate it and set up your Personal Identification Number (PIN) as described in Section 6.1. Upon receipt and activation of your Physical Card, your Virtual Card information (if applicable) will match your Physical Card information.

Card Ownership: The Card remains the property of the Bank at all times and must be surrendered upon demand. The Bank may replace a Card when it expires or at any time.

3.3 Card Features

Depending on your card type and the services enabled by DNERO Wallet, Inc., your Card may be used for:

• Point-of-sale (POS) purchases at merchants that accept Visa debit cards
• Online and e-commerce transactions
• Mail order and telephone order (MOTO) purchases
• ATM cash withdrawals
• International transactions

Not all features may be available on every card program. Fees, rates, and limits may be applied to any and all services. Some transactions may incur network or acquirer fees, including international currency conversion fees or ATM withdrawal fees charged by ATM operators.

Specific features, limits, and fees applicable to your Card are set forth on https://www.dneroapp.com and may vary based on your card type or tier.

3.4 Visa Card Services and Benefits

Depending on your card type and tier, you may be eligible to receive additional benefits and services provided by Visa. These may include, but are not limited to:

• Purchase protection programs
• Travel and lifestyle services
• Access to Visa benefits portals
• Emergency card replacement services
• Other cardholder benefits as determined by Visa

Important: Visa Card Services and benefits are provided and maintained by Visa, not by DNERO Wallet, Inc., the Program Manager, or the Bank. The availability, terms, and conditions of Visa Card Services:

• May vary based on your specific card type and tier
• Are subject to Visa's terms and conditions
• May change or be discontinued at any time without notice
• Are not guaranteed by DNERO Wallet, Inc., the Program Manager, or the Bank

For information about available Visa benefits for your card type, please visit www.visa.com or contact us at support@dneroapp.com | +1 (855) 918-4128. We make no representations or warranties regarding the availability, quality, or continuity of any Visa Card Services.

4. Card Funding and Transaction Processing

4.1 Funding Source Requirement

Your Card must be linked to a Funding Source approved by DNERO Wallet, Inc.. When you make a purchase or withdrawal using your Card, we draw funds from your Funding Source in U.S. Dollars (USD). The Card is denominated in USD only.

If you maintain a deposit account with DNERO Wallet, Inc., your Card will be linked to that deposit account, and Card transactions will be funded from the available balance in that account. The terms governing your deposit account are set forth in the separate Banking Services Agreement (or DNERO Terms and Conditions).

4.2 No Overdrafts

The Card does not have overdraft or credit features. You cannot spend more than the available balance in your Funding Source. If you attempt a transaction that exceeds your available balance in the Funding Source, we will decline the transaction unless otherwise specified in Section 9 (Authorization Holds).

4.3 USD Denomination

We process and settle all Card transactions in USD. If you use your Card for a transaction in a foreign currency, the Visa payment network will convert the transaction to USD. See Section 6.5 for more information on foreign transactions.

5. Card Fees and Charges

All fees associated with your Card are set forth on https://www.dneroapp.com. Card-related fees may include, but are not limited to:

• Card issuance fees
• Card replacement fees
• Transaction fees (domestic and international)
• ATM withdrawal fees (in-network and out-of-network)
• Foreign transaction fees
• Card inactivity fees
• Other card-related fees as disclosed on https://www.dneroapp.com

Important: Fees are subject to change at any time without prior notice. You are responsible for reviewing the current fee schedule on https://www.dneroapp.com.

We will automatically deduct fees from your Funding Source. If your Funding Source has insufficient funds to cover fees, we may suspend or close your Card, and you will remain liable for any outstanding fees.

5.1 ATM Fees

DNERO Wallet, Inc. may or may not charge fees for ATM withdrawals as disclosed on https://www.dneroapp.com. However, ATM owners, non-bank ATM owners, and service providers may charge their own fees for using their ATMs. Neither DNERO Wallet, Inc., the Program Manager, nor the Bank is responsible for third-party ATM usage fees charged by ATM operators.

5.2 Foreign Transaction Fees

If you use your Card to make a payment in a currency other than USD, we may charge a foreign transaction fee as disclosed on https://www.dneroapp.com.

6. Using Your Card

6.1 Personal Identification Number (PIN)

We will assign you or permit you to create a Personal Identification Number (PIN) for use with your Card. Your PIN is required for:

• ATM transactions
• PIN-based debit purchases at point-of-sale terminals

You must keep your PIN confidential and secure. Do not write your PIN on your Card or store it in a manner that could be easily accessed by others. If you believe your PIN has been compromised, you must change it immediately through the Platform or contact us at support@dneroapp.com | +1 (855) 918-4128.

6.2 Card Security

You are responsible for:

• Safeguarding your Card, Card number, expiration date, CVV code, and PIN
• Ensuring that no unauthorized person has access to your Card or Card information
• Reviewing your transaction history regularly for unauthorized activity
• Immediately reporting lost, stolen, or compromised Cards as described in Section 15

6.3 Point-of-Sale Transactions

You may use your Card to make purchases at merchants that accept Visa debit cards. Depending on the merchant's terminal, you may be asked to:

• Sign a receipt (signature-based transaction)
• Enter your PIN (PIN-based debit transaction)

For card-not-present transactions (online, phone, or mail orders), you will need to provide your Card number, expiration date, and CVV code.

If enabled by DNERO Wallet, Inc., you may also use your Card for:

• Contactless payments (tap-to-pay)
• Digital wallet transactions, including Apple Pay, Google Pay, and other digital wallets

The use of digital wallets is subject to the terms and conditions of the specific digital wallet provider. DNERO Wallet, Inc., the Program Manager, and the Bank are not responsible for the operation, security, or terms of third-party digital wallet services.

6.4 ATM Transactions

You may use your Card to withdraw cash at ATMs that display the Visa, PLUS, or other participating network logos. ATM withdrawals require your PIN.

ATM withdrawal limits and fees are specified on https://www.dneroapp.com.

ATM and POS Receipts: When using your Card at an ATM or point-of-sale terminal, you should receive a receipt for transactions of more than $15.00.

Third-Party ATM Fees: The ATM operator may charge additional fees for ATM use. These fees are independent of DNERO Wallet, Inc. and will be displayed on the ATM screen before you complete the transaction. Neither DNERO Wallet, Inc., the Program Manager, nor the Bank is responsible for fees charged by ATM operators.

6.5 International Transactions

You may use your Card for transactions in foreign countries and for purchases in foreign currencies. All international transactions are subject to foreign transaction fees as disclosed on https://www.dneroapp.com.

When you make a purchase in a foreign currency, Visa International will convert the transaction into USD using its currency conversion procedures. The conversion rate applied is determined by Visa and may include a markup. The exchange rate used is the rate in effect on the date the transaction is processed, which may differ from the rate on the date of purchase.

We do not control or set currency conversion rates and are not responsible for any exchange rate losses or fluctuations.

Restrictions may apply to the countries and regions where you may use your Card, including but not limited to OFAC-sanctioned jurisdictions and other restricted countries. The list of restricted countries may change at any time without notice. We will decline transactions attempted in restricted jurisdictions.

• 6.6 Transaction Receipts

You should obtain and retain receipts for all Card transactions. Receipts serve as your record of transactions and may be necessary if you need to dispute a charge or report an error.

7. Transaction Security and Verification

• 7.1 3D Secure (Verified by Visa)

For your protection, we may require additional verification for certain online and card-not-present transactions through Visa's 3D Secure authentication system (also known as "Verified by Visa").

When 3D Secure authentication is required, we will prompt you to provide additional information to verify the transaction, which may include:

• A One-Time PIN (OTP) sent to your registered mobile phone number via SMS
• A One-Time PIN (OTP) sent to your registered email address - Biometric authentication through the Platform or mobile app
• Other verification methods as implemented by DNERO Wallet, Inc.

Important: You must complete the verification process within the time limit specified (typically within a few minutes) or we will decline the transaction. It is your responsibility to:

• Maintain current and accurate contact information (mobile phone number and email address) with DNERO Wallet, Inc.
• Ensure you have access to the device or account used for verification - Respond to verification requests promptly

We will decline transactions if you fail to complete 3D Secure verification when required. We are not responsible for declined transactions due to your failure to complete verification.

• 7.2 Additional Security Measures

DNERO Wallet, Inc. may implement additional security controls and verification requirements at any time to protect against fraud and unauthorized use. These may include:

• Velocity limits (limits on transaction frequency)
• Geographic restrictions
• Merchant category restrictions
• Transaction amount thresholds requiring additional verification

You agree to comply with all security measures and verification requirements. Failure to do so may result in transaction declines or Card suspension.

8. Transaction Limits

Transaction limits, including daily purchase limits, daily ATM withdrawal limits, and transaction frequency limits, are set forth on https://www.dneroapp.com. These limits may vary based on your card type, verification level, or usage history.

We reserve the right to modify transaction limits at any time for security, risk management, or compliance purposes. We may make changes without prior notice if required for security reasons.

9. Authorization Holds and Pending Transactions

9.1 Merchant Authorization Requests

When you use your Card, merchants may request authorization for an estimated transaction amount before the final transaction amount is determined. When we authorize a transaction, we commit to make the requested funds available when the transaction settles, and we may place a temporary hold on funds in your Funding Source.

9.2 Common Authorization Hold Scenarios

Certain types of merchants routinely place authorization holds that differ from the final transaction amount. For example:

Gas Stations: When you pay at the pump, we may place an authorization hold of up to $100 on your Funding Source, even if you pump less gas. To avoid large holds, consider paying inside the gas station.

Hotels and Car Rentals: Hotels and car rental companies typically place an authorization hold for the estimated cost plus an additional 15% to 20% (or more) to cover incidental charges. This hold may remain for several days or weeks after you check out or return the vehicle.

Restaurants: Restaurants may authorize the transaction amount plus an additional 20% (or more) to account for gratuity.

9.3 Hold Duration

Authorization holds typically remain in place until the transaction settles, which may take up to several Business Days. For hotels and car rentals, holds may remain for up to 60 days or longer. Funds subject to an authorization hold are not available for other purchases.

9.4 Settlement Adjustments

When the transaction finally settles, we will charge your Funding Source the actual transaction amount. If the settlement amount is:

• Less than the authorized amount: We will release the difference back to your available balance.
• More than the authorized amount: We will deduct the additional amount from your Funding Source.

If your Funding Source has insufficient funds to cover the final settlement amount, you authorize DNERO Wallet, Inc. to deduct the shortfall from your Funding Source, and you will be responsible for any resulting negative balance and associated fees.

10. Negative Balances

You are not permitted to overdraw your Card or create a negative balance in your Funding Source through Card transactions. However, in certain circumstances, transactions may result in a negative balance, including:

• Transactions where the merchant does not request authorization (e.g., certain automated recurring payments)
• Final settlement amounts that exceed authorization holds
• Fees assessed after a transaction is authorized
• Fraudulent or unauthorized transactions pending investigation

If your Card usage results in a negative balance in your Funding Source, you are fully responsible for repaying the negative amount immediately. DNERO Wallet, Inc. reserves the right to:

• Suspend or cancel your Card
• Pursue collection of the outstanding amount
• Charge fees for negative balance occurrences as disclosed on https://www.dneroapp.com

If you maintain a deposit account with DNERO Wallet, Inc., refer to the Banking Services Agreement for additional terms regarding negative balances in your deposit account.

11. Recurring Transactions

You may authorize merchants to charge your Card on a recurring basis for subscription services, memberships, or other regular payments (collectively, "Recurring Transactions").

11.1 Your Responsibility

If you authorize Recurring Transactions, you are responsible for:

• Ensuring sufficient funds are available in your Funding Source before each scheduled payment
• Monitoring your transaction history for recurring charges
• Canceling Recurring Transactions you no longer wish to authorize

We are not responsible if we decline a Recurring Transaction due to insufficient funds in your Funding Source.

11.2 Stopping Recurring Transactions

To stop a Recurring Transaction, you must:

1. Contact the merchant directly to cancel the recurring authorization
2. Contact us at support@dneroapp.com | +1 (855) 918-4128 at least three (3) Business Days before the scheduled payment date

If you contact us to stop a Recurring Transaction, we may require you to provide written confirmation within fourteen (14) days. Even if you contact us, you should also contact the merchant to ensure the recurring authorization is fully canceled.

You may also contact us at support@dneroapp.com | +1 (855) 918-4128 to place a block or restriction on certain types of transactions or specific merchants to prevent future recurring charges.

12. Returns and Refunds

If you are entitled to a refund for goods or services purchased with your Card, you agree to accept credits to your Funding Source. You are not entitled to receive a cash refund.

Merchants process refunds, and refunds may take several Business Days to appear in your Funding Source. We are not responsible for the timing or processing of merchant refunds.

If you did not make the original purchase (e.g., you are returning a gift), the merchant may:

• Decline to process the refund to your Card
• Require you to provide the original purchase receipt or a letter from the merchant verifying the return

13. Reversals and Cancellations

13.1 Transaction Finality

All Card transactions are final once authorized. You cannot cancel, reverse, or modify a transaction after it has been initiated, except as specifically permitted for Recurring Transactions under Section 11.

13.2 Insufficient Funds

If a transaction is unsuccessful due to insufficient funds in your Funding Source or if your payment method is declined, you authorize DNERO Wallet, Inc. to:

• Cancel the transaction, or
• Attempt to complete the transaction once sufficient funds are available in your Funding Source

You are responsible for ensuring your Funding Source maintains adequate funds to avoid failed transactions, declined payments, and associated fees.

13.3 Discretionary Reversals

We reserve the right to refuse, cancel, or reverse any Card transaction, even after we have debited funds from your Funding Source, if we suspect:

• Money laundering, terrorist financing, or other financial crimes
• Fraud or unauthorized use
• Violation of this Agreement or DNERO Terms and Conditions
• Erroneous transaction processing
• Response to a court order, subpoena, or government request

If we reverse a transaction, we are not obligated to allow you to reinstate the purchase at the same price or terms.

14. Transaction Errors and Disputes

If you believe an error has occurred with respect to a Card transaction, you must notify us promptly by contacting support@dneroapp.com | +1 (855) 918-4128.

14.1 Error Notification Deadline

You must report an error within sixty (60) days after the earlier of:

• The date you electronically access your transaction history and the error could have been viewed, or
• The date we first made a transaction history or statement available showing the error

14.2 Information Required

When reporting an error, you must provide:

1. Your name and Card number
2. A description of the error and why you believe it is an error
3. The dollar amount of the suspected error
4. The approximate date the error occurred

If you notify us orally, we may require you to submit your complaint in writing within ten (10) Business Days.

• 14.3 Investigation Process

We will investigate your reported error and determine whether an error occurred within ten (10) Business Days after we receive your complaint.

If we need more time, we may take up to:

• Forty-five (45) days for most transactions - Ninety (90) days for:
• New Cards (Cards for which the initial activation or first transaction occurred within the last 30 days)
• Point-of-sale transaction errors
• Foreign-initiated transactions

If we extend the investigation period, we will provisionally credit your Funding Source within ten (10) Business Days (or twenty (20) Business Days for new Cards) for the amount you believe is in error, so you will have access to the funds during the investigation.

However, if you do not provide written confirmation of your complaint within ten (10) Business Days of your initial oral report, we may not provide provisional credit.

• 14.4 Investigation Results

We will notify you of the results of our investigation within three (3) Business Days after completing the investigation. If we determine that no error occurred, we will:

• Send you a written explanation
• Debit your Funding Source for any provisional credit provided

You may request copies of documents we used in our investigation.

15. Lost, Stolen, or Compromised Cards

• 15.1 Immediate Notification Required

Contact us immediately if you believe your Card, PIN, or Card information has been lost, stolen, or compromised, or if you suspect unauthorized transactions. You must notify us by:

• Calling support@dneroapp.com | +1 (855) 918-4128
• Using the card lock or freeze feature on the Platform (if available) - Submitting a support request through the Platform

Time is critical: Contact us immediately by phone to minimize your potential liability for unauthorized transactions.

• 15.2 Your Liability for Unauthorized Transactions

Your liability for unauthorized electronic fund transfers depends on how quickly you report the loss, theft, or unauthorized use:

Within Two (2) Business Days: If you notify us within two (2) Business Days after you learn of the loss or theft of your Card or unauthorized access to your Card information, your maximum liability for unauthorized transactions is $50.

After Two (2) Business Days but Within Sixty (60) Days: If you do NOT notify us within two (2) Business Days after you learn of the loss or theft, and we can prove that we could have stopped someone from using your Card without your permission if you had notified us in time, you could lose as much as $500.

After Sixty (60) Days: If your transaction history shows unauthorized transfers and you do NOT notify us within sixty (60) days after we first made the transaction history available to you, you may not get back any money you lost after the 60-day period if we can prove that we could have stopped someone from taking the money if you had notified us in time.

Good Cause Extensions: If a good reason (such as extended travel or a hospital stay) prevented you from notifying us within the specified timeframes, we will extend the time periods accordingly.

Zero Liability Protection: In addition to the above protections, Visa's Zero Liability policy may provide additional protection for certain unauthorized transactions. However, Visa's Zero Liability policy does not apply to:

• ATM transactions outside the Visa and PLUS networks
• PIN transactions not processed by Visa
• Transactions where you have been grossly negligent or fraudulent

• 15.3 What Happens After You Report

After you notify us of the loss, theft, or unauthorized use:

• You will not be liable for unauthorized transactions that occur after you notify us
• We may deactivate your Card to prevent future unauthorized use
• We may issue you a replacement Card (replacement fees may apply as set forth on https://www.dneroapp.com)

• 15.4 Cooperation Required

You agree to:

• Cooperate fully with any investigation into unauthorized transactions
• Provide all information and documentation reasonably requested
• Assist in the prosecution of unauthorized users
• Sign any necessary affidavits or documents related to the investigation

16. Our Liability for Failure to Complete Transactions

We will not be liable if we do not complete a Card transaction on time or in the correct amount if:

1. Insufficient Funds: Through no fault of ours, your Funding Source does not contain sufficient available funds to complete the transaction
2. Merchant Refusal: A merchant refuses to accept your Card or honor the transaction
3. ATM Limitations: An ATM does not have enough cash available for withdrawal
4. Equipment Malfunction: An ATM, terminal, or the Platform is not working properly, and you were aware of the malfunction before initiating the transaction
5. Card Status: Your Card has been reported lost or stolen, or we have blocked or suspended your Card due to suspected fraud, security concerns, or violation of this Agreement
6. Unauthorized or Fraudulent Transactions: We reasonably believe the transaction is unauthorized, fraudulent, or suspicious
7. Circumstances Beyond Our Control: Circumstances beyond our reasonable control prevent the transaction from completing, including but not limited to:

• Fire, flood, natural disaster, or severe weather
• Power outages or equipment failures
• Telecommunications or internet service interruptions
• Payment network failures or delays
• Labor disputes or strikes
• War, terrorism, civil unrest, or government action
• Pandemics or public health emergencies
• Significant market volatility

8. Legal Compliance: The transaction would violate applicable law, OFAC sanctions, or this Agreement
9. Transaction Limits: You have exceeded transaction limits set forth on https://www.dneroapp.com or in this Agreement
10. Card Cancellation: Your Card has been closed, suspended, or terminated
11. Incorrect Information: You provided incorrect or incomplete information necessary to complete the transaction

Limitation of Liability

Our liability for any transaction error is limited to correcting the error and, where applicable, crediting your Funding Source for the amount of the error.

We will not be liable for:

• Consequential damages, including lost profits, business interruption, or loss of opportunity
• Indirect, incidental, special, or punitive damages
• Damages resulting from your use of goods or services purchased with the Card - Any amount exceeding the value of the erroneous transaction

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you to the extent prohibited by applicable law.

17. Monitoring Your Card Transactions

17.1 Transaction History

You are responsible for monitoring your Card and reviewing your Card transaction history regularly. You can access your Card transaction history at any time through the Platform.

17.2 Transaction Alerts

We may provide optional Card transaction alerts via email, SMS, or push notifications. You are responsible for ensuring your contact information is current and for reviewing all alerts promptly.

18. Card Suspension, Cancellation, and Closure

18.1 Suspension or Cancellation by Us

We reserve the right to suspend, restrict, or cancel your Card at any time, with or without prior notice, including if:

• We suspect fraud, unauthorized use, money laundering, terrorist financing, or other illegal activity
• Your activity violates or resembles violations of U.S. banking laws, the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, or any applicable federal, state, or local laws or regulations
• You violate this Agreement or DNERO Terms and Conditions
• We are required to do so by law, court order, subpoena, or government mandate
• Your Card has been inactive for an extended period as defined on https://www.dneroapp.com
• We determine it is necessary for security, compliance, risk management, or fraud prevention purposes
• You engage in activity that appears to be an attempt to take advantage of foreign exchange market discrepancies
• We determine, at our sole discretion, that continued provision of Card services poses unacceptable risk

Card Replacement: If we replace your Card and the Card has not been used for a period of six (6) months, we may charge a card replacement fee as disclosed on https://www.dneroapp.com.

18.2 Cancellation by You

You may cancel your Card at any time by contacting us at support@dneroapp.com | +1 (855) 9184128. Card cancellation does not affect any other services you receive from DNERO Wallet, Inc. unless you separately request termination of those services in accordance with the applicable agreements.

To cancel your Card:

1. Contact us at support@dneroapp.com | +1 (855) 918-4128 and request Card cancellation
2. Follow any additional instructions we provide
3. Immediately destroy any Physical Card by cutting it in half through the magnetic stripe and chip
4. Cease all use of Virtual Cards

18.3 Effect of Cancellation

Upon cancellation of your Card:

• You must immediately cease using the Card for any purpose
• You must destroy any Physical Card as described above
• You remain responsible for all authorized transactions and fees incurred before and after cancellation until we process the cancellation
• We may still process and charge any pending transactions to your Funding Source
• Any outstanding negative balance or fees remain your responsibility and must be paid

19. Card Inactivity

If your Card remains inactive (no Card transactions) for an extended period as defined on https://www.dneroapp.com, we may:

• Charge card inactivity fees as disclosed on https://www.dneroapp.com
• Suspend or close your Card
• Refuse to replace your Card without charging replacement fees

Note: If you maintain a deposit account with DNERO Wallet, Inc., separate account inactivity and dormancy provisions apply as set forth in the Banking Services Agreement (or DNERO Terms and Conditions).

20. Privacy and Data Protection

Your privacy is important to us. Information about how we collect, use, and share your personal information is described in DNERO Privacy Policy, which is incorporated into this Agreement by reference.

You acknowledge and agree that:

• DNERO Wallet, Inc., the Program Manager, and the Bank may collect, process, and share your personal information as necessary to provide Card services and comply with legal obligations
• Your information may be shared with:
• Service providers and vendors who assist in providing Card services
• Payment networks (such as Visa)
• Regulatory authorities, law enforcement, and government agencies as required by law
• Third parties as necessary to complete transactions
• Third parties in connection with fraud prevention, risk assessment, and compliance investigations
• We may disclose information to third parties about your Card or Card transactions:
• Where necessary for completing transfers or transactions
• In connection with any claim or dispute you initiate
• To comply with government agency or court orders, subpoenas, or legal process
• If you provide written permission
• As permitted by DNERO Privacy Policy and applicable privacy laws
• You have reviewed and accepted DNERO Privacy Policy

21. Communications and Electronic Consent

21.1 Electronic Delivery of Communications

You agree that we may provide all communications, disclosures, agreements, notices, transaction histories, and other information ("Communications") to you electronically by:

• Posting them on https://www.dneroapp.com or the Platform
• Sending them to the email address or mobile number you provided
• Delivering them through in-app notifications or messages
• Making them available for download through the Platform

We will deem Communications received when we make them available to you through any of the above methods.

21.2 Your Responsibility

You are responsible for:

• Maintaining a valid email address and mobile number on file with DNERO Wallet, Inc.
• Ensuring your email and messaging systems can receive our Communications
• Regularly checking for Communications
• Updating your contact information if it changes

If we send you electronic Communications but you do not receive them because your email address is incorrect, outdated, or blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communications to you.

21.3 Hardware and Software Requirements

To access electronic Communications, you must have:

• A device with internet access
• An up-to-date web browser or mobile application
• Sufficient storage capacity
• Software capable of viewing PDF documents

21.4 Withdrawing Consent

You may withdraw your consent to receive electronic Communications by contacting support@dneroapp.com | +1 (855) 918-4128. However, if you withdraw consent, we may close your Card as we may not be able to provide Card services without electronic communication.

21.5 Paper Copies

You may request a paper copy of any electronic Communication by contacting support@dneroapp.com | +1 (855) 918-4128 within ninety (90) days of the date the Communication was first made available. We may charge a reasonable fee for paper copies.

22. Intellectual Property

All content on the Platform and associated with the Card services, including trademarks, logos, software, text, graphics, and other materials, is the property of DNERO Wallet, Inc., the Program Manager, the Bank, Visa, or their licensors.

You may not copy, reproduce, modify, distribute, display, or create derivative works from any content without express written permission.

23. Third-Party Services and Links

The Platform may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party services is governed by their respective terms and policies.

24. No Warranties

THE CARD AND ALL RELATED SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.

We do not warrant that:

• Card services will be uninterrupted, timely, secure, or error-free
• Any errors or defects will be corrected
• The Platform or servers are free from viruses or harmful components

We are not responsible for the quality, safety, legality, or any other aspect of goods or services you purchase with your Card.

25. Dispute Resolution and Arbitration

25.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

Bank Matters: Matters relating specifically to the Bank's provision of Card issuance and related banking functions are governed by the laws of the Commonwealth of Puerto Rico and applicable U.S. federal banking laws and regulations. To the extent permitted by applicable law, any legal conflict directly with the Bank related to this Agreement must be represented in the courts of the Commonwealth of Puerto Rico, and by accepting this Agreement, you consent to be subject to the jurisdiction and venue of the Commonwealth of Puerto Rico for such matters.

25.2 Informal Dispute Resolution

We encourage you to contact us at support@dneroapp.com | +1 (855) 918-4128 to resolve any concerns or claims informally. Many concerns and claims can be resolved through direct communication. If a dispute cannot be resolved informally, the arbitration provisions below will apply.

25.3 Binding Arbitration

To the extent permitted by applicable law, if the Claim is not resolved through informal dispute resolution, it shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its then-current Commercial Arbitration Rules and this provision.

Arbitration Location: The arbitration shall take place in Calgary, Alberta, Canada (or remotely by video conference if mutually agreed), except for claims directly involving the Bank's card issuance services, which may be arbitrated in the Commonwealth of Puerto Rico.

Governing Arbitration Law: The arbitration shall be governed by the United States Arbitration Act, 9 U.S.C. §§ 1-16, to the exclusion of any provision of state or provincial law inconsistent therewith or which would produce a different result.

Arbitrator Selection and Authority: A single, neutral arbitrator shall determine the Claims of the parties and render a final award in accordance with applicable substantive law. The arbitrator may award any relief that would be available in court, including monetary damages, injunctive relief, and declaratory relief, but only in favor of you individually and only to the extent necessary to provide relief warranted by your individual Claim.

Confidentiality: Strict confidentiality shall govern any arbitration proceedings, all information submitted to the arbitrator by the parties, and the decision or award entered by the arbitrator.

Judgment on Award: Any court having jurisdiction may enter judgment upon the award rendered by the arbitrator.

• 25.4 Class Action Waiver and Individual Claims Only

IMPORTANT: You and DNERO Wallet, Inc. agree that each party may bring Claims against the other only in an individual capacity and not as a plaintiff or class member in any class, consolidated, or representative action or proceeding.

The arbitrator may not:

• Consolidate more than one person's Claims
• Preside over any form of class, representative, or consolidated arbitration - Award relief to anyone other than you individually

The terms of this Agreement shall not limit any obligation of a party to defend, indemnify, or hold harmless another party against court proceedings or other claims, losses, damages, or expenses.

If a court determines that this class action waiver is unenforceable, then the arbitration agreement in Section 25.3 will be null and void.

• 25.5 Continuation of Obligations

Each party is required to continue to perform its obligations under this Agreement pending final resolution of any dispute arising out of or relating to this Agreement or your use of the Card and related services, unless to do so would be impossible or impracticable under the circumstances.

• 25.6 Exceptions to Arbitration

Notwithstanding the above, either party may:

• Bring a Claim in small claims court if the Claim qualifies for small claims court jurisdiction and is filed and remains in small claims court
• Request temporary remedies in a court of law having competent jurisdiction to maintain the status quo or to protect goods or property until the arbitration has been initiated and the selected arbitrator has had the opportunity to resolve the request for temporary relief

25.7 Legal Process

Should we receive any legal process, summons, order, injunction, execution, levy, citation to discover assets, judgment, claim, garnishment, attachment, restraining order, lien, or notice issued by any court or governmental authority (including but not limited to the Puerto Rico Department of Treasury or the U.S. Internal Revenue Service) (collectively, a "Legal Process") which in our opinion affects your Card, we may, in our sole and absolute discretion and without any liability:

• Refuse to honor any Card transaction
• Suspend or cancel your Card
• Comply with the Legal Process as required

We will be under no obligation to contest, challenge, or question the terms of any Legal Process, or to raise any defense that you may have. We will strictly comply with the terms of any such Legal Process until we have been served with an order or resolution issued by the same court or authority indicating otherwise.

You agree to be liable to us for any loss, cost, or expense that we incur as a result of any Legal Process involving your Card, including reasonable attorneys' fees to the extent permitted by law. You authorize us to deduct such loss, cost, or expense from your Funding Source without prior notice if such amounts are not previously reimbursed. We may also charge fees in connection with the Legal Process as established by us from time to time.

25.8 Survival

This Arbitration Provision survives termination of your Card or termination of this Agreement.

26. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DNERO Wallet, Inc., THE PROGRAM MANAGER, THE BANK, AND THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

1. INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
2. LOSS OF PROFITS, REVENUE, DATA, OR USE
3. DAMAGES EXCEEDING THE AGGREGATE FEES YOU PAID FOR THE CARD IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

27. Indemnification

To the fullest extent permitted by law and to the extent provided herein, you hereby agree to indemnify, defend, and hold harmless DNERO Wallet, Inc., the Program Manager, the Bank, and their respective directors, officers, agents, attorneys, employees, affiliates, successors, and assigns against any and all claims (whether valid), demands, causes of action, losses, liabilities, damages, and judgments, or charges of any kind or nature whatsoever (including, without limitation, the cost of defending any action against them, together with any reasonable attorney's fees or charges of any character or nature), by any person, whether threatened or initiated, asserting a claim for any legal or equitable remedy against any person under any statute or regulation, including, but not limited to, any federal or state securities laws, or under any common law or equitable cause or otherwise, arising from or in connection with:

• Your use or misuse of the Card
• Your violation of this Agreement, DNERO Terms and Conditions, or applicable law
• Your violation of any third-party rights
• Any information you provide to us
• The execution and performance or failure of performance of this Agreement or any transactions contemplated herein

This indemnification obligation shall not apply to claims arising as a direct result of the intentional misconduct or gross negligence of DNERO Wallet, Inc., the Program Manager, or the Bank.

We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

28. Force Majeure

Neither DNERO Wallet, Inc., the Program Manager, nor the Bank shall be liable for any failure or delay in performing obligations under this Agreement if such failure or delay is due to events beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, severe weather, earthquakes, hurricanes, floods, or fires
• Pandemics, epidemics, or public health emergencies
• War, terrorism, civil unrest, riots, insurrection, or government action
• Labor disputes, strikes, or lockouts
• Failure of banking, telecommunications, internet, or payment network systems
• Power outages or utility failures
• Equipment or software malfunctions
• Significant market volatility or disruption
• Regulatory changes or government shutdowns
• Any other circumstances beyond our reasonable control

During any force majeure event, our obligations under this Agreement will be suspended for the duration of the event. We will use reasonable efforts to mitigate the effects of the force majeure event and resume normal operations as soon as practicable.

29. General Provisions

29.1 Entire Agreement

This Agreement, together with DNERO Terms and Conditions and DNERO Privacy Policy, constitutes the entire agreement between you and DNERO Wallet, Inc. regarding the Card and supersedes all prior agreements and understandings.

29.2 Amendment

We may amend this Agreement at any time. Changes are subject to be made without prior notice and are at our sole discretion. When we make changes, we will notify you by:

• Revising the effective date at the top of this Agreement
• Posting the revised Agreement on https://www.dneroapp.com
• In some cases, providing additional notice via email, through the Platform, or by adding a statement on https://www.dneroapp.com

Your continued use of the Card after the effective date of any amendments constitutes your acceptance of the amended Agreement. If you do not agree to the amendments, you must stop using the Card and close your Card before the effective date.

29.3 No Transfer of Rights or Obligations

You cannot transfer or yield this Agreement or the Card services to another person. You cannot authorize any person to:

1. Operate the Card on your behalf
2. Give transaction instructions to us on your behalf
3. Transfer, sell, pledge, or assign your rights or obligations under this Agreement

The Card is issued to you personally and may not be transferred or used by any other person. Any attempt to do so will be considered a violation of this Agreement and may result in immediate Card cancellation.

We may assign this Agreement: We may assign, transfer, or delegate this Agreement or any of our rights or obligations to any third party, including successors, affiliates, or service providers, without your consent or prior notice. All the terms and provisions of this Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective successors and assigns.

• 29.4 Waiver

Our failure to enforce any provision of this Agreement, or our delay in enforcing it, does not constitute a waiver of that provision or our right to enforce it in the future. Any waiver must be in writing and signed by an authorized representative of DNERO Wallet, Inc..

• 29.5 Severability

If any provision of this Agreement is deemed unlawful, void, or unenforceable for any reason, then such provision shall be deemed to be removed from this Agreement and shall not affect the validity and enforceability of any remaining provisions. Our failure to enforce the strict performance of any provision of this Agreement will not waive our right to later enforce those provisions.

• 29.6 Notices

We will provide all notices to you in accordance with Section 21 (Communications). You must send all notices to us at support@dneroapp.com | +1 (855) 918-4128 unless otherwise specified in this Agreement.

• 29.7 Language

This Agreement is drafted in English. If this Agreement is translated into any other language, the English version shall prevail in the event of any conflict or inconsistency.

• 29.8 Survival

Provisions of this Agreement that by their nature should survive termination (including indemnification, limitation of liability, arbitration, and governing law provisions) will survive termination of this Agreement or closure of your Card.

• 29.9 Conflicts Between Agreements

If this Agreement conflicts with any other agreements related to services provided by DNERO Wallet, Inc., or if the other agreements include terms that are not addressed in this Agreement, then this Agreement will control and take precedence with respect to the Card. The other agreements will only control with respect to the specific services with which they are associated, and only to the extent necessary to resolve any conflict or inconsistency in that regard.

30. Contact Information

For questions about this Agreement, your Card, or Card services, please contact:

DNERO Wallet, Inc. support@dneroapp.com | +1 (855) 918-4128 https://www.dneroapp.com

For questions about the Card program or Program Manager services: Connect Fintech Services Inc. Email: support@connect.financial

Card Issuer:

Zenus Bank International, Inc.

City Towers, 19th Floor

252 Ponce de León

San Juan, PR 00918, USA Tel:

+1 (787) 936-1111

Email: clientservices@zenus.com www.zenusbank.com

Acknowledgment and Acceptance

By requesting, activating, or using the Card, you acknowledge that:

• You have read and understood this Agreement
• You agree to be bound by all terms and conditions in this Agreement
• You have reviewed DNERO Terms and Conditions and DNERO Privacy Policy
• You understand that the Card is issued by the Bank
• You consent to electronic delivery of Communications
• You agree to the Arbitration Provision and Class Action Waiver in Section 25
• If you maintain a deposit account with DNERO Wallet, Inc., you understand that separate terms govern that account

If you do not agree to this Agreement, you must not use the Card and should contact DNERO Wallet, Inc. to cancel your Card.

DNERO Wallet, Inc.

Last Updated: March 4, 2026

Effective Date: March 4, 2026