Exodus Card

Before you activate your card, you'll need to create and verify your Exodus Pay account. When you're ready, follow these steps to activate your card:

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The virtual card is free to get.

Get your free virtual card

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The app shows applicable fees before a debit-card deposit to Exodus Pay. The deposit provider can depend on the user's location.

Depending on your location, you may be connected to a third-party API provider to complete the deposit. Continue following the steps on the screen.

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Once added, a) enter the amount you want to deposit, b) check the associated fees, and c) tap Add.

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When you deposit using a debit card, you’re purchasing XO on the Solana network. To buy XO with a debit card, follow these steps:​

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Non-USD purchases are converted from USD at the exchange rate set by the card network and payment processor.

When you use your card in a different currency, the transaction is then converted from USD using the exchange rate set by the card network and payment processor. Crypto purchases are valued in USD using the asset’s market price at the time of your purchase.

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Activating existing cbBTC for card spending requires a small amount of ETH on Base for the network fee.

If you already hold its wrapped version on Base, tap Activate to enable card spending without swapping more BTC. You'll need a small amount of ETH on Base to cover the network fee.

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The Exodus Card has the following daily limits for purchases:

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$15,000 USD (United States of America)

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$9,500 USD (Global)

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The Exodus Card has the following daily limits for purchases:

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$15,000 USD (United States of America)

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Next, you will verify your identity through Veriff. Tap Let's go!

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Depending on your location, a) enter your tax ID or, if you're located in the US, enter your Social Security number (SSN). After you enter it, b) tap Continue.

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Before you activate your card, you'll need to create and verify your Exodus Pay account. When you're ready, follow these steps to activate your card:

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To create an account, you’ll need a phone number that can receive a verification code by WhatsApp or SMS. In some regions, only WhatsApp is supported.

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1 point per $1 on eligible card purchases. Points can be redeemed in Exodus Pay, with available redemption assets depending on jurisdiction.

In certain jurisdictions, redeemed points are added to your Cash balance as USDC.

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You need a verified Exodus Pay account to redeem points. To learn how, visit: How do I verify my account?

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If you decline Exodus Rewards, you won't earn new points, and any points you already have stay locked until you join.

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You need at least 25,000 points to redeem.

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There's a monthly redemption limit that resets on the 1st of each month.

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have not been suspended, restricted, closed, or terminated, and are not in default, in each case under the applicable Incorporated Terms. 3. Eligibility and Enrollment To participate in the Rewards Program, you must, at all times: ● be at least eighteen (18) years of age; ● maintain a self-custodial wallet on the Exodus Application; ● hold an active Exodus Pay account in Good Standing; ● opt-into the Rewards Program; and ● complete any identity verification, know-your-customer ("KYC"), and anti-money-laundering ("AML") screening required by a third-party Swap Provider in connection with its services or required in connection with the redemption of certain Rewards. We reserve the right to refuse, condition, or revoke enrollment in the Rewards Program for any person, at any time, in our sole discretion. 4. Earning and Acquiring Points; Conversion 4.1 Earned Points You will earn Earned Points for each Qualified Transaction available to Users in your jurisdiction, calculated at a rate, and subject to any caps, category limits, or exclusions, disclosed to you from time to time within Exodus Pay. Earned Points are calculated based on the U.S. Dollar amount of the Qualified Transaction and will be credited to your Points balance after the applicable transaction clears and posts. Exodus reserves the right to determine, in its sole discretion, whether any transaction constitutes a Qualified Transaction. 4.2 No Guaranteed Rate; Promotional Points

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You earn 1 point for every $1 spent with your Exodus Card on eligible purchases.

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will be available at any given time, and any of them may suspend, limit, or decline such conversions, including for regulatory, compliance, or liquidity reasons. 5. The Points Store; Redemption 5.1 Redemption Generally Points may be redeemed only through the Points Store, which is managed by Exodus. The Points Store offers (a) unique rewards, including experiences, products, merchandise, and services ("Store Rewards"), and (b) subject to Section 5.2, redemption for XO Cash. Certain Store Rewards and other redemption options may require Users to complete identity verification, KYC, AML, or other compliance screening conducted or required by Exodus as a condition to redemption. Available Store Rewards, their value in Points, and their availability are subject to change by Exodus at any time without notice, and Exodus does not guarantee the availability of any specific Store Reward at any time. Exodus may limit or restrict the availability of, or otherwise choose whether (or not) to offer certain Store Rewards by jurisdiction in its sole discretion. 5.2 XO Cash Redemption Page 4 of 11  Exodus Pay Rewards Program Terms and Conditions Eligible Users may redeem Points in the form of XO Cash, at a conversion rate disclosed to you at the time of redemption. XO Cash redemptions are subject to any applicable terms of service or restriction on use imposed by the issuer MoonPay or Exodus. XO Cash redemption is available only to Users located in jurisdictions where

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No rate of Points accrual, including any promotional or merchant-specific rate, is guaranteed

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Yes, you can earn points when you spend with your Exodus Card. Card rewards become available to convert 24 hours after a purchase is finalized. To learn more, visit:

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as described in Section 4. ● “Exodus Application” means, collectively Exodus Pay, Exodus Wallet, and all features and services available by and through the desktop, mobile, and Web3 software platform offered by Exodus. ● “Exodus Pay” means a self-custodial platform integrated directly into the Exodus Application. Exodus Pay connects Users directly with third-party service providers to allow Users to spend digital assets through a virtual card or Apple Pay, send stablecoins to peers, and earn rewards, all while maintaining control of their assets. ● “Exodus Wallet” means the Exodus un-hosted, self-custodial software wallet available for download via mobile application, Web3, or desktop where wallet holders may send, receive, and manage supported digital assets. ● "Qualified Transaction" means an eligible transactions or activities conducted using Exodus Pay that satisfy the criteria for earning Earned Points, as determined by Exodus in its sole discretion and as further described in Section 4. Qualified Transaction Exclusions (transactions not eligible to earn Earned Points) include, without limitation: ATM withdrawals; cash advances or cash-equivalent transactions; balance transfers; fees or interest charges assessed on the Card; purchases of cryptocurrency, gift cards, prepaid cards, or other cash equivalents; peer-to-peer transfers; gaming or gambling transactions; returns, refunds, or credits; and any transaction that is illegal, unauthorized,

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Exodus (or its applicable service provider) is authorized to offer and deliver XO Cash, and Exodus may condition, limit, or decline such XO Cash redemption without limitation on that basis. However, Users located in the EEA who opt-into the Rewards Program may not redeem Points for XO Cash. Exodus does not guarantee the availability of the XO Cash redemption at any given time and may suspend or limit XO Cash redemptions in its sole discretion, including for regulatory, compliance, or liquidity reasons. 5.4 Redemption Mechanics; Order of Use Unless otherwise indicated at the time of redemption, Points will be deducted from your balance in the order in which they were credited (oldest first). You are responsible for reviewing the description, terms, and any restrictions applicable to a Store Reward before redeeming Points for it. 6. Point Calculation, Crediting, and Adjustments Points are calculated and credited based on transaction data available to Exodus at the time of crediting and are subject to correction, adjustment, or reversal as described in this Section 6 and Section 7. 6.1 Points Adjustments If a Qualified Transaction is later reversed, refunded, charged back, or credited, in whole or in part, for any reason, including a merchant return, a successful dispute, or a determination that the transaction was not, in fact, a Qualified Transaction, Exodus will deduct the corresponding Earned Points from your Points balance (a "Points Adjustment"). If your Points balance is insufficient to absorb a Points Adjustment in

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15 (No Warranties) and Section 14 (Limitation of Liability). Notwithstanding the foregoing, Exodus may, in its sole discretion and without obligation to do so, correct a redemption that resulted from a documented technical or processing error attributable solely to Exodus. 8. Expiration of Points Earned Points expire twelve (12) months after the date they are credited to your Points balance, unless redeemed before that date. Except as required by applicable law, expired points are forfeited automatically and without further notice, and are not eligible for reinstatement, refund, or any other remedy. Earned Points do not expire solely due to inactivity of your Exodus Wallet, Exodus Pay account, or Card, but will expire on the twelve (12)-month schedule described in this Section 8 regardless of account activity. 9. Rights to Points; No Property Interest Points are not currency, digital assets, securities, deposits, or investments of any kind, have no cash value except to the extent expressly convertible to XO Cash under Section 5.2, and do not accrue interest. Points are not your property and confer no ownership, security, or other legal interest in any Exodus asset or in any third party. You have no vested right to any Points, and Exodus and its service providers retain sole discretion over the administration of the Rewards Program, including the accrual, redemption, and forfeiture of Points, subject to these Program Terms. Points are personal to you, are not transferable to any other person or account, may not be sold, bartered,

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Participating merchants may offer discounts on eligible purchases, credited as reward points.

Merchant discounts may be offered for eligible transactions with participating merchants. These discounts are returned to you in reward points, which can be redeemed for XO Cash (XO) and added to your Exodus Pay balance.

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Andorra Argentina Austria Belgium Bosnia and Herzegovina Brazil Bulgaria Canada Colombia Croatia Cyprus Denmark Finland France Germany Gibraltar Greece Guatemala Hungary Iceland Ireland Isle of Man | Italy Jersey Liechtenstein Lithuania Luxembourg Malta Mexico Netherlands Niger Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland United States of America, excluding Vermont Uruguay

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