Tria Spend Card Terms

These Tria Spend Card Terms (the "Card Terms") are a binding agreement between you ("you", or "your"), Threely Dimensions Inc., and Issuer, including its affiliates, successors, and assigns ("Issuer," "we", "us", or "our") that govern your use of the Tria Spend Cards, including the process for obtaining and managing Tria Spend Cards, access to which is provided to you by Threely Dimensions Inc. ("Tria").

Important Disclosures

Rates, fees, and other important information about your Tria Spend Card ("Card" or "Tria Card") are set forth in these Important Disclosures.

Effective as of: July 3rd, 2025

Interest Rates and Interest Charges

Type	Rate
Annual Percentage Rate (APR) for Purchases	0%

Your Tria Spend Card is currently Zero (0)% interest on all purchases. Issuer and Tria reserve the right to implement interest in the future, for new purchases. Tria will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Tria Card.

Fees

Transaction Fee

• Foreign Purchases
  • Foreign Exchange Fee (non USD): 1% (over and above whatever card network charges)
  • Cross Border Fee: 0%
  • ATM Fee: 1% + $2 (over and above whatever card network charges and Bank charges)

Penalty Fees

• Late payment: N/A
• Returned payment: $0
• Liquidation penalty: N/A

WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS.

Terms

Background

The Tria Card is provided to you on behalf of Tria in connection with your status as Tria customer and pursuant to your separate Platform Agreement between you and Tria (the "User Terms"). The Issuer is not a party to the Tria User Terms and disclaims any liability for the performance of services covered therein.

Tria has opened a Tria Account for purposes of facilitating transactions you make using a Card based on a limit established by Tria pursuant to the User Terms. You understand that you have access to the Services and Tria Card only to the extent authorized by the Tria. You acknowledge and agree that Tria will satisfy obligations created through your use of the Tria Card and you will repay Partner based on the terms of your Platform Agreement, subject to the terms below.

Details on Tria's collection, use, and handling of your personal data are described in Tria's Privacy Policy. Please review it carefully and contact Tria if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services.

Issuer

The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of Jun 23 2025. This information may change after that date. To find out what may have changed, call or write the servicer, at [email protected]

Tria and Issuer reserve the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the Platform Agreement.

Defined Terms

• "Card Networks" means the payment card networks including Visa or Mastercard.
• "Charge" means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network.
• "Chargeback" means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized.
• "Fee" means charges we impose on you for use of Services or your use of a Tria Card.
• "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.
• "Periodic Statement" means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your Tria Account during the time covered by that statement.
• "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.

1. Accepting this Agreement & Eligibility

These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the Tria platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card.

By using a Card you represent and warrant in your individual capacity that:

• You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).
• You will use the Services exclusively for purposes permitted by these Card Terms.
• All information you provide to us, either directly or through Partner, is and will be true, correct, and complete.
• You will use the Tria Card for personal, family, or household use.
• You will only use the Tria Card in compliance with applicable law
• You attest that you are not a United States citizen, and that you are signing up for a card that is intended for those outside of the United States.
• You attest that you were not solicited for this product.

2. Issuer Terms

Cards are issued either by the issuer identified on the back of the Tria Tria Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the "Issuer"). Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your Tria Card and based on information provided by Partner. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with Tria, and your use of the Tria Cards will then also be subject to such additional terms.

3. Collateral

Either your primary Linked Wallet or any Additional Wallets may provide the collateral that will secure the Charges made by you on any Tria Card (the "Collateral"). The Collateral will be in the form of a Digital Asset. Issuer reserves the right to designate which forms of Digital Assets may be used as Collateral, and reserves the right to decline a form of Collateral if it does not meet its updated policies, guidelines, or the Issuer's requirements.

A "Liquidation Event" will occur a) if you have an outstanding payment obligation to Tria or the Issuer, as applicable, and such payment obligation has not been paid in full by you within one (1) calendar day; OR b) the Market Value of your collateral drops below the value of the existing charges on your Tria Card(s) and you do not add additional collateral. Tria and Issuer may allow for an additional grace period at their discretion.

"Market Value" of the Collateral will be determined by Tria and/or Issuer using the net redemption value provided by a centralized stablecoin issuer and/or the real time price posted on a reputable and recognized exchange or price aggregator, or by reference to a price oracle, subject to Tria or Issuers discretion.

4. Spending Limits

Your spending limit is generally set by Tria pursuant to the terms of the Tria Terms as well as the amount of collateral in your linked wallet. Issuer may additionally set spending limits on each Tria Card or an aggregate spending limit across all Tria Cards, at its sole discretion. Tria Account Spending limits are dynamic and may be modified at any time with or without notice to you, including temporarily increases or decreases or reducing spending limits to $0.

5. Purchases & Restrictions

Tria and Issuer reserve the right to block and terminate transactions and suspend access to your Account, unless prohibited by applicable law, for transactions and activity which presents patterns that do not conform with consumer purposes. You may use your Account to purchase or lease goods or services (each, a "purchase") by presenting your Card or providing to participating merchants and establishments that honor the Card your Card number and additional information by any other means.

Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted:

• purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions;
• purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions;
• person-to-person money transfers and account-funding transactions that transfer currency; and
• making a payment using a third-party service including bill payment transactions not made directly with the merchant or their service provider.

You acknowledge and agree that you have read and understood the Prohibitions List and that you will not engage in any such activities when using the Services or the Tria Card.

6. Payments

6.1 Promise to Pay

While you will generally repay Tria for amounts transacted with your Card, you also promise to pay Issuer or its assignees for all amounts charged to the Account not repaid by Partner, including all purchases, interest, and charges charged to your Account.

6.2 Periodic Statements

You are responsible for payment in full of all Charges and Fees. Your Tria Tria Account may include Periodic Statements identifying Charges, Fees, refunds, the amount of your Collateral, any other Card transactions, or other amounts owed or credited to your Tria Account.

6.3 Repayments

Where applicable, you may make a repayment for a balance on one or more of your Tria Cards by any means that are permitted by Tria and as provided in your Tria Account.

6.4 Prepayment

At any time and where applicable, you may pay all or any part of your outstanding Account balance, without penalty. Payment of more than the payment due in one billing cycle will not relieve you of the obligation to pay the entire payment due in subsequent billing cycles.

7. Fees

Subject to applicable law you agree to pay the following fees:

We will disclose any Fees to you when you are approved for a Tria Card through your Tria Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' notice to you.

7.1 Penalty fees

• Liquidation fee
• Each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of [$00.00].

7.2 Foreign Currency Transactions

If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date.

Foreign Transaction Fees - 1% (over and above whatever card network charges)

7.3 Low Transaction Fees

We may charge you up to $0.5 for a transaction amount less than $50. We will post and treat this Fee as a Purchase transaction.

8. Managing Your Tria Cards

8.1 Requesting and Replacing Cards

We or the Issuer may decide not to grant requests for Tria Cards or limit the number of physical or virtual Tria Cards provided to you.

8.2 Permitted and Unauthorized Use

You agree to establish and maintain controls designed to ensure that the Tria Cards are only used by you and your permitted authorized users for bona fide purposes and in compliance with these Card Terms, any Issuer terms, and applicable law.

8.3 Lost or Stolen Cards

If your Card is lost or stolen or if you think someone may be using your Card or Account without your permission, you must notify us promptly by emailing us at [email protected]. You will not be liable for any unauthorized use that occurs after you notify us.

9. Chargebacks

You are responsible for reviewing your Periodic Statements promptly and identifying any Charges that you believe are unauthorized or that you dispute. If you and a merchant have a dispute regarding a Charge identified on your Periodic Statement, such as delivery of incorrect goods or services or being charged the wrong amount, you should first attempt to resolve the dispute with the merchant.

10. Termination

Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice.

11. Change of Terms

Subject to applicable law, we may at any time change, add to or delete terms and conditions of these Card Terms, including interest rates and this Change of Terms provision. We will give you notice of any change, addition or deletion as required by applicable law.

12. Remedies

In the event of your default under these Card Terms, we may, subject to applicable law (including any applicable notice requirement): (a) declare all or any portion of your outstanding Account balance to be immediately due and payable; (b) instead allow you to repay your Account balance by paying the minimum payment due each billing cycle; and/or (c) commence a collection action against you.

13. Delay in Enforcement

We may at any time and in our sole discretion delay or waive enforcing any of our rights or remedies under these Card Terms or under applicable law without losing any of those or any other rights or remedies.

14. Communications and Call Recording

You authorize Tria, Issuer and their partners to use automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems, or any system capable of storing and dialing telephone numbers to deliver messages relating to these Card Terms, your Account, or your relationship with the Messaging Parties more generally.

15. Governing Law

These Card Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section above must be brought in state or federal court in Puerto Rico, unless we both agree to some other location, and you hereby consent to the venue and personal jurisdiction of such court.

16. Dispute Resolution & Arbitration

PLEASE READ THIS "DISPUTE RESOLUTION AND ARBITRATION" PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ISSUER.

Binding Arbitration

You and Issuer agree that any and all past, present and future Disputes (defined below) shall be determined by arbitration, unless your Dispute is subject to an exception to this agreement to arbitrate set forth below. You and Issuer further agree that any arbitration pursuant to this section shall not proceed as a class, group or representative action.

Small Claims

Notwithstanding your and Issuer's agreement to arbitrate Disputes, You and Issuer retain the right to bring an individual action in small claims court.

Class Waiver

To the extent applicable law permits, any dispute arising out of or relating to these Card Terms, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action.

No Jury Trial

If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to these Card Terms.

Indemnity

You will indemnify and defend each of Tria and Issuer, and their affiliates, and their respective partners, directors, officers, employees, agents, trustees, administrators, managers, advisors, and representatives (each an "Indemnitee") against, and hold each Indemnitee harmless from, any and all claims, litigation, investigations, proceedings, losses, damages, fines, penalties, liabilities, settlements, costs, fees, and expenses incurred by any Indemnitee or asserted against any Indemnitee by any person arising out of, in connection with, related to, or as a result of, a breach by you or by any Company Administrator or Company User of any of the representations, warranties, covenants, or agreements contained in these Card Terms, the User Terms, any terms applicable to any Third Party Provider or any other agreements with any Issuing Partner or that otherwise relate to the Services or the use of the Tria Card.