Legal.

APPENDIX A TO PURECOIN TERMS AND CONDITIONS:

PURECOIN CARD USER AGREEMENT

1. Purecoin Card. When you hold Cryptocurrencies on Purecoin you may be given the option to apply for a Purecoin MasterCard (“Card”) issued by Optimus Cards Limited (“Optimus”). To use the Card, you must agree to the Purecoin Card User Agreement (“User Agreement”) set out below and to the Cardholder Terms and Conditions with Optimus (“Cardholder Agreement”).

1.1. Role of the User Agreement. This User Agreement governs the basis upon which Purecoin will provide you with the Card and your use of the Card, including within the Purecoin Site and/or application. The Card is issued to you by Optimus and this User Agreement should be read in conjunction with the Cardholder Agreement and Purecoin Terms and Conditions.

1.2. Role of the Card. The Card can be used to purchase goods and services from merchants at point of sale terminals, over the telephone, online, or on payment platforms, or withdraw cash from automated teller machines (“ATMs”) that accept MasterCards (“Card Transactions”).

1.3. Preferred Cryptocurrencies. You will be required to select the order of your cryptocurrencies in your Wallet as your default spending Cryptocurrencies (“Preferred Cryptocurrencies”) before you can use your Card and can update your Preferred Cryptocurrencies at any time. When you use your Card, you authorize Purecoin to facilitate your sale of your Preferred Cryptocurrencies, the proceeds of which you authorize Purecoin to use to fund Card Transactions in Fiat Currency.

1.4. Role of Purecoin. Purecoin is responsible for facilitating your sale of your Preferred Cryptocurrencies (“Cryptocurrencies Services”) and transferring funds to enable payments to merchants for the purchase of goods and services, and to you for ATM withdrawals, in Fiat Currency in the amount authorized by the Card Transaction (the “Purchase Price”) with the proceeds of the Purecoin Services.

1.5. Card Services. Pursuant to the terms of your Cardholder Agreement, you may use the Card to make various Card Transactions. When you use your Card to make a Card Transaction, you authorize the:

1.5.1. Sale of your Preferred Cryptocurrencies in order you have selected. If your first selected cryptocurrency is not enough for the settlement of the Total Purchase Price (as defined below), you will be charged the second selected and so on, until the total amount of the Purchase Price plus the accompanying fees and charges described in the Cardholder Agreement, this User Agreement and Purecoin Terms and Conditions (together, the “Total Purchase Price”) is converted at the prevailing trading rate on Purecoin’s platform (“Exchange Rate”) (the “Total Transaction Price”) from your Wallet; and

1.5.2. Transfer of the Total Purchase Price in Fiat Currency from your Purecoin Wallet to facilitate the transfer of: (i) the Purchase Price to the merchant (i.e., for the purchase of goods and services) or to you (i.e., for ATM withdrawals), and (ii) any applicable fees and charges.

1.6. Applying for the Card. If you apply for a Card, you will be required to provide certain personal information. You agree that we may share personal information you previously provided to us under our Privacy Policy to verify your identity, with Optimus and with service providers acting on our behalf or on Optimus’s behalf solely to verify your identity or address, and/or to manage risk as required under applicable law. Personal information shared with Optimus will be treated in accordance with its Privacy Policy. If you do not provide this information, or if Optimus is unable to verify your identity with the information provided by Purecoin, your application for a Card will not be considered. We may refuse to facilitate processing of your application through Optimus if we determine in our sole discretion that you are in breach of the Purecoin Terms and Conditions including but not limited to User Agreement.

1.7. Activating the Card. You must sign a physical Card as soon as you receive it and must activate the Card to be able to use it. Activation instructions are set out on the packaging that the Card is attached to and/or the Purecoin Site and/or application.

1.8. Using the Card.

1.8.1. You agree that you will use the Card in accordance with this User Agreement, Purecoin Terms and Conditions and the Cardholder Agreement.

1.8.2. Your consent will be required in order to use the Card to make a Card Transaction. You may give your consent in the following ways depending on the type of Card Transaction that you are trying to make and the information required by the merchant or ATM including but not limited to:

1.8.2.1. Purchase of goods and services from a merchant on the merchant’s premises from a point of sale terminal or withdrawing cash from an ATM: You may be required to enter the personal identification number (“PIN”) that we will arrange for you to receive from Optimus (or that you may choose) from time to time unless the Card Transaction is being made via a contactless card reader in which case the presentation of the Card will be sufficient to demonstrate consent.

1.8.2.2. Purchase of goods and services from a merchant by telephone, online, or on a payments platform: You may be required to provide Card details such as the Card number, expiration date, and three digit security code from the reverse side of the Card and/or any other as may be applicable.

1.9. Errors or Unauthorized Transactions. If you believe your Card has been lost or stolen, or that an error or unauthorized transaction has occurred, you should contact Card Service Support immediately by phone at +44203 318 3774(call charges may apply) and Purecoin customer service. See Section 9 of the Cardholder Agreement for more information regarding the Security.

1.10. Maximum Execution Time. The maximum execution time of the Card Transaction itself is dependent on actions being taken by the merchant, ATM owner, Card Scheme and/or other service providers.

1.11. Usage Limits. The usage limits for the Card are set out in Section 4 of your Cardholder Agreement.

1.12. Fees and Charges. When we perform the Services, Purecoin will charge fees and other charges, including spread, in accordance with Purecoin Terms and Conditions. These fees and charges apply in addition to any fees and charges included in your Cardholder Agreement. You are at all times responsible for the Total Purchase Price in Fiat Currency and the Total Transaction Price in cryptocurrencies when you make a Card Transaction .

1.13. Refunds. If you are entitled to a refund for any reason for goods or services obtained with your Card, the refund shall be processed in accordance with the terms set out in Section 12 of your Cardholder Agreement.

1.14. Information Regarding Card Transactions. You may find details regarding Card Transactions that you have executed on the Purecoin Site and/or application. In order to check and manage your Card Transactions, you must be logged in.

1.15. Right to Debit, Access, or Offset Other Purecoin Services. If for any reason you have insufficient Cryptocurrencies in the relevant Cryptocurrencies Wallet selected, or insufficient Fiat Currency to fund a Card Transaction, we reserve the right to debit, access, or offset the amount of all or part of the Card Transaction from any other Purecoin Service that you obtain from us, including but not limited to any cryptocurrencies you hold today, or in the future, in any cryptocurrencies Wallet, or in connection with any other Purecoin Services. This includes situations where Purecoin has granted you provisional credit in cryptocurrencies or Fiat Currency in connection with a disputed Card Transaction that is later resolved in favor of the opposing party.

1.16. Restriction, Suspension, and Termination. Card Transactions or your Card use may be restricted, suspended or terminated with immediate effect in situations where:

1.16.1. We are, in our reasonable opinion, required to do so by contract or by applicable law or any court or other authority to which we are subject in any jurisdiction;

1.16.2. We reasonably suspect you of acting in breach of this User Agreement (including any provision of Purecoin Terms and Conditions), or the Cardholder Agreement;

1.16.3. We have concerns that a Card Transaction is erroneous or about the security of your Card or your Purecoin Account or we suspect the Purecoin Services are being used in a fraudulent or unauthorized manner;

1.16.4. We suspect money laundering, terrorist financing, fraud, or any other financial crime;

1.16.5. If your credit or debit card or any other valid payment method linked to your cryptocurrencies Wallet is declined;

1.16.6. Use of your Purecoin Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your Purecoin Account activity; or

1.16.7. You have insufficient cryptocurrencies in your cryptocurrencies Wallet to cover the Total Transaction Price of a relevant Card Transaction.

If Card Transactions, your Card use and/or any or all Purecoin Services are restricted, suspended or terminated in this way, we will (unless it would be unlawful for us to do so), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. In the event that we decline a card transaction and/or restrict, suspend, or terminate your use of the Card and any/or any or all Purecoin Services, we will reinstate the Card Transaction and/or lift the restriction, suspension, or termination as soon as reasonably practicable once the reasons for decline and/or restriction, suspension, or termination cease to exist.

1.17. User Agreement and the Cardholder Agreement. In the event of a conflict between this User Agreement, including Purecoin Terms and Conditions and the Cardholder Agreement, the provisions of the Cardholder Agreement shall prevail.

1.18. Purecoin Liability. This section operates in addition to any limitation of liability expressed elsewhere in Purecoin Terms and Conditions.

1.18.1. Purecoin will not be liable to you for any loss arising from:

1.18.1.1. A merchant refusing to accept a Card;

1.18.1.2. Any breach by Purecoin of the Purecoin Terms and Conditions due to abnormal or unforeseen circumstances beyond Purecoin’s reasonable control, which would have been unavoidable despite all Purecoin’s efforts to stop it;

1.18.1.3. Optimus restricting, suspending, or terminating a Card or refusing to issue or replace a Card in accordance with these Terms;

1.18.1.4. Optimus declining a Card Transaction that you make or attempt to make using a Card;

1.18.1.5. Purecoin restricting, suspending, or terminating your Wallet, or any related Purecoin Services; or

1.18.1.6. Purecoin’s compliance with any applicable laws and regulations.

1.18.2. Purecoin will not be liable for the goods or services that you purchase from a merchant using a Card.

1.18.3. Where a Card is faulty, Purecoin’s liability shall be limited to assisting with the replacement of the Card.

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Pure./Crypto it’s operated by Purecoin OÜ, incorporated in Estonia (company number 14929082) and it’s regulated by FIU, license number FVT000059 with its registered office at Kesklinna linnaosa, Laeva tn 2, 10111, Tallin, Estonia.

Risk Warning Crypto: By using this website you agree to our Terms of Use. Nothing on this website should be construed as a recommendation for any action. PureCoin OÜ is the owner of the license: FVT000059. For more details, please see the Terms and conditions.

The Purecoin card is issued by Optimus Cards UK Limited, a principal member of Mastercard and authorised as an E-Money Institution by the Financial Conduct Authority (Firm Reference Number 902034). Optimus Cards UK Ltd is registered in England & Wales, No.09044866 with their Registered Office address at Suite A, 6 Honduras Street, London, England, EC1Y 0TH

In a case any conflict, discrepancy or contradiction between the English and Estonian versions, the English version shall prevail.