Overview

Use of the Services (as defined in the GlideSwipe Platform Agreement) for any dealings, engagement, or sale of goods/services linked directly or indirectly with jurisdictions GlideSwipe has deemed high risk, such as Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk Regions, or persons GlideSwipe has deemed high risk, such as those individuals or entities named to a restricted person or party list of the U.S., United Kingdom, European Union or United Nations, including the sanctions lists maintained by the U.S. Department of Treasury’s Office of Foreign Assets Control or the Denied Persons List or Entity List maintained by the U.S. Department of Commerce, is prohibited.

In addition to these exclusions from GlideSwipe’s platform, GlideSwipe does not allow companies registered in prohibited jurisdictions, or individuals from prohibited jurisdictions to open accounts. The list of currently prohibited jurisdictions is as follows and may be updated from time to time as required by relevant authorities or changes in applicable laws, or at GlideSwipe’s discretion.

Prohibited Jurisdictions

GlideSwipe Accounts are not available in the following jurisdictions:

• Afghanistan
• Albania
• Belarus
• Bosnia
• Central African Republic
• Congo
• Croatia
• Cuba
• Cyprus
• Eritrea
• Haiti
• Iran
• Iraq
• Kosovo
• Lebanon
• Liberia
• Libya
• Macedonia
• Moldova
• Montenegro
• North Korea
• Russia
• Serbia
• Somalia
• Syria
• Ukraine
• Venezuela
• Vietnam
• Yemen
• Zimbabwe

Prohibited Activities List

Companies whose primary business is any of the following are prohibited from accessing and using the Services, including the GlideSwipe Platform and the GlideSwipe Card.

The examples listed below are not exhaustive and we reserve the right to modify or update the lists below at any time by posting a revised version to our website. The revised version will be immediately effective upon posting. If we determine in our sole discretion that you engage or have engaged in activities that are illegal, may harm others or our reputation or operations, or violate our or others rights, including by engaging in any of the activities below or authorizing or helping others to do so, we may deny, terminate, or suspend your use of the Services.

1. Regulated or Illegal Activities

• Sale of Schedule I controlled substances with or without a pharmaceutical license, or sale of Schedules II-V controlled substances without a pharmaceutical license, where such schedules are defined by the United States Department of Justice, Drug Enforcement Agency (DEA)
• Production, sale, or distribution of guns, accessories, ammunition, and other weapons
• Production, sale, or distribution of illegal material, including but not limited to child pornography
• Gambling, betting, lotteries, sweepstakes, or games of chance
• Prostitution or escort services
• Sale of counterfeit or “gray market” goods or services
• Ponzi or pyramid schemes, or other unfair or deceptive activities

2. Products and Services that Infringe Intellectual Property

• Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorization
• Counterfeit goods; illegally imported or exported products
• Unauthorized sale of brand name or designer products or services
• Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary or privacy rights of any third party

3. Violent or Hateful Activities

• Intentionally promoting, supporting, or perpetrating (1) violence or physical harm or (2) hate toward any group or individual based on race, religion, disability, gender, sexual orientation, gender identity, national origin, immigration status, or any other legally protected characteristic under federal or state law

4. Misuse of GlideSwipe Products

• Use of GlideSwipe products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by GlideSwipe (you must inform us immediately of any changes to your personal and business information)
• Use of GlideSwipe products to facilitate transactions on behalf of another undisclosed person or entity or for products/services that were not disclosed in the your GlideSwipe account application
• Use of GlideSwipe intellectual property without prior written consent from GlideSwipe; use of the GlideSwipe name or logo including use of GlideSwipe trade or service marks inconsistent with the GlideSwipe Marks Usage Agreement, or in a manner that otherwise harms GlideSwipe or the GlideSwipe brand; any action that implies an untrue endorsement by or affiliation with GlideSwipe

Restricted Activities List

Companies that are engaged in the following activities or businesses may be required to provide additional information or documentation or may be ineligible for certain Services:

• Financial services providers, including banks or bank affiliates, securities brokers, money transmitters, investment companies, or investment funds
• Sale of Schedules II-V controlled substances with a pharmaceutical license, where such schedules are defined by the DEA

The types of businesses listed in the Prohibited Activities List and the Restricted Activities List are representative but not exhaustive.

Effective as of March 19, 2025

This Privacy Policy provides a description of how GlideSwipe collects, uses, and shares information about you as well as your rights and choices regarding such information. “GlideSwipe”, “we”, “our”, and “us” refers to GlideSwipe Inc., including its affiliates, successors, assigns, and subsidiaries, and “you” or “your” refers to the natural person interacting with us.

By accessing the Site or by applying for or using the Services, you represent that you have read and agree to be bound by this Privacy Policy, including consenting to our collection, use, and sharing of Personal Information. If you do not agree, please notify us in writing, close your GlideSwipe Account, delete any cookies you may have on your devices, and cease all use of the Services.

This Privacy Policy applies to the GlideSwipe websites at www.glideswipe.com and www.glideswipe.io (including any subdomains or mobile applications of such sites) (the “Sites”) or use of any Services . For the purposes of this Agreement, “Services” means the provision and management of virtual and physical cards (“GlideSwipe Cards”), access to and use of the GlideSwipe online portal and associated websites (the “Sites”) for card application, management, and related functionalities, customer support provided via chat, phone, or other designated channels, and any other related products, features, tools, technologies, functionalities, and support offered by GlideSwipe now or in the future. This includes, but is not limited to, account creation and maintenance, transaction processing facilitation related to GlideSwipe Cards, identity verification processes, and communication regarding account activity and offerings.

We reserve the right to amend this Privacy Policy at any time. When we make changes to this Privacy Policy, they will be posted on this page and the “Last Updated” date, above, will be modified. Notwithstanding the foregoing, by continuing to use the Services, you agree to be bound by such amendments, additional obligations or restrictions.

If you are a Brazilian resident, please see the additional disclosures at the end of this Privacy Policy.

1. Introduction

In general, this Privacy Policy explains:

What information we collect, how we use it, and the choices you can make about the way your information is collected and used.

2. Information We Collect

A. Information you provide to us

We collect information when you use or interact with our Services or Sites. This may include:

1. “Personal Information” which means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer, device, or household. Examples include:
   • First name, last name
   • Email address
   • Phone number
   • Date of Birth
   • Social Security Number, driver’s license, and / or passport as needed for account creation
   • Shipping address
2. “Company Information” which means any information related to, or identifying, the Company which is using the Services. Examples include:
   • Company name
   • Company address
   • Formation or other incorporation documents
   • Company jurisdiction
   • Company tax identification number
   • Company registration number
   • Beneficial owners
   • Wallet Address

B. Information we collect automatically from you

We or our vendors or service providers may also automatically collect information when you use the Sites or the Services to, for example, protect against fraud or to improve our products, Services, and user experience.

This information can include:

• Your browser type
• Your device type or operating system
• Your device’s location and other information sent by your device
• Your device’s IP address
• Your interaction with the Site or the Services, such as number of clicks, landing pages and pages viewed. We utilize session replay software to capture this information, and by using the Site or the Services you consent to our capture and use of this information.

C. Information we collect from you with respect to your use of the Services

We may collect or have access to transactional information about your use of the Services. This information can include:

• Amount, type, and size of transactions or purchase details
• Date and time of transactions
• Merchants where you have transacted using a GlideSwipe Card
• Repayment history
• Financial data

D. Tracking and Cookie Data

Like many online services, we may use cookies or other tracking technologies to collect information about you. In addition, third parties may place cookies on your device to enable the collection of certain device identifier information, IP address, and information about your interactions with the Site and the Services. Cookies are small pieces of data placed on your computer, phone, or similar device when you use that device to visit the Sites or use our Services.

Examples of cookies we may use:

• Session cookies: Session cookies help us recognize users who visit our Sites
• Tracking cookies: Tracking cookies help us remember preferences and other settings
• Security cookies: Security cookies help us prevent fraud

You can decide whether to accept cookies through your internet browser’s settings. Most browsers have an option for turning off the cookie feature, which will prevent your browser from accepting new cookies. If you do not accept cookies, however, you may not be able to use some or all portions of our Sites.

E. Information that we may collect from third parties

We may also supplement any of the information that you provide to us or that we obtain with information that we receive from third parties, such as credit bureaus, data providers, fraud detection services and data analytics providers. Some of these third parties may obtain your Personal Information through your use of the Sites or the Services, and other third parties may already have your Personal Information that they then share with us.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see the “Choices About Your Personal Information” section.

3. How We Use Information

We collect and use information for business and commercial purposes in accordance with the practices described in this Privacy Policy. Our business purposes for collecting and using information include:

• Helping us assess your eligibility to use the Services. Examples include verifying your identity or underwriting you for a GlideSwipe Account through GlideSwipe
• Supporting our internal business operations. Examples include maintaining your GlideSwipe Account with us or improving our Services or products or building new products or services
• Contacting or communicating with you. Examples include providing customer services to you or marketing our products and services
• Complying with our own policies and procedures. Examples include complying with our obligations under applicable law, regulation, or other legal process or complying with our contractual or audit obligations
• Preventing and detecting potentially fraudulent or unauthorized transactions, breach of policies or terms, and threats of harm

As described above, we may communicate with you if you’ve provided us the means to do so. For example, if you’ve given us your email address (either directly or through the Company), we may send you promotional email offers or email you about your use of the Services. Also, we may receive a confirmation when you open an email from us, which helps us improve the Services.

4. Sharing Information

We share information we collect, including information that identifies you, in accordance with the practices described in this Privacy Policy. The categories of parties with whom we share information include:

• Service providers, vendors, and advisors. For example, we may share your Personal Information or Company Information with third parties who provide services or products to us and/or who help us provide the Services to you, including our Banking Partners, the Issuer, or Third Party Providers. Such service providers may further require your consent to obtain your Personal Information.
  In connection with verifying your identity, we utilize a service provider that collects and uses biometric information from your driver’s license and / or passport photo to match against your image. This biometric information is held by the service provider pursuant to its privacy policy, which can be found here: www.sumsub.com/privacy-notice-service/
• Our affiliates for everyday business purposes
• Our financing partners such as sources of debt or equity capital
• Issuers of your GlideSwipe Card
• Merchants and businesses with whom you transact or use your GlideSwipe Card
• A third party as part of any due diligence process in relation to a partnership, financing arrangement, or potential purchase of GlideSwipe or its assets provided such party agrees to use such information only for such particular purpose
• Federal or state regulatory bodies, government agencies, courts, law enforcement officials, courts, or any other judicial body as required by law or to protect our legal rights

In the event of a merger, acquisition, or other sale or transfer of any or all of our assets, your Personal Information may be transferred to a buyer or other successor of our business. If that happens, we may not be able to limit how such other party may use or further transfer your information.

5. Aggregated or Anonymized Information

We may share aggregated and/or anonymized information with any third parties at any time and without restriction to the extent such information cannot be linked back to any identifiable person.

6. Analytics and Advertising

We may use analytics services to help us understand how users access and use the Services. Portions of the Site use Google Analytics. To learn more about Google Analytics, visit www.policies.google.com/technologies/partner-sites

As part of this process, we may incorporate tracking technologies into our own Services (including our Sites and emails) as well as into our ads displayed on other sites and services. Some of these tracking technologies may track your activities across time and services for purposes of associating the different devices you use, and delivering relevant ads and/or other content to you.

Third parties independently decide how to process your information. As we do not control these third parties, we encourage you to familiarize yourself with and consult their privacy policies and terms of use.

7. Safeguarding Information

We maintain reasonable safeguards designed to ensure the protection of your information from unauthorized access or use. However, while we strive to protect your information, we cannot guarantee or warrant the security of any information you transmit to our Sites.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Please notify us immediately if you believe your information with GlideSwipe has been compromised in any way.

8. Retention of Information

We will retain your Personal Information as long as permitted by our internal data retention policies, or applicable law, and as long as necessary in order to:

• Provide the Services to you
• Use for any of the purposes permitted by this Privacy Policy
• To comply with any legal or regulatory requirements

9. Children’s online privacy

Protecting children on the Internet is very important to GlideSwipe. For that reason, we do not knowingly solicit or collect Personal Information from anyone under the age of thirteen (13), and no part of the Sites is intended to attract anyone under the age of thirteen (13).

If you believe that a child under the age of thirteen (13) may have provided us Personal Information to us, please contact us immediately at support@glideswipe.com.

10. Do Not Track Signals

At this time, our Sites do not support Do Not Track (“DNT”). DNT is a privacy preference you can set in your web browser to indicate that you do not want certain information about your web page visits tracked and collected across the Sites. For more details, including how to turn on Do Not Track, visi www.donottrack.us.

11. Company Account

The information in your GlideSwipe Account is governed by our agreements with the Company. You may access, update, or delete certain information within your GlideSwipe Account, provided that the Company will make the ultimate decision around the processing. The Company Administrator is responsible for your Account and GlideSwipe Cards associated with the Company. The Company Administrator has the ability to grant, restrict, suspend, or terminate your access to or use of the GlideSwipe Card or the Account. The Company and Company Administrator can also access information about you, access and retain information we have stored on its behalf, and limit your ability to edit, modify, delete, or use information associated with your use of the Services. Please note that if you delete information through your Account, we will retain and use information about you as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

12. Data Transfer to the United States

If you are outside of the United States and submit your Personal Information to us, please be advised that your information will be transferred to, stored, and processed in the United States. Please be advised that U.S. law may not offer the same privacy protections as the law of your jurisdiction. If you visit our Sites and use our Services, or contact us from outside of the United States, please be advised that (i) any Personal Information you provide to us or that we automatically collect will be transferred to the United States; and (ii) by using our Sites or submitting Personal Information, you explicitly authorize its transfer to and subsequent processing in the United States in accordance with this Privacy Policy.

13. Choices About Your Personal Information

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
• Promotional Offers from the Company. If you do not wish to have your email address or contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by sending us an email stating your request to support@glideswipe.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

14. Contact Us

If you have any questions about this Privacy Policy, our data practices, or our compliance with applicable law, please contact us: support@glideswipe.com

Additional Disclosures for Nevada Residents

If you are a resident of Nevada, you may submit requests directing us not to sell Personal Information, pursuant to Nev. Rev. Stat. 603A.340, that the business has collected or will collect about you. Nevada residents may submit a request relating to our compliance with Nevada law by contacting us at support@glideswipe.com.

Shine the Light

If you are a resident of California, pursuant to California Civil Code 1798.83, you may request (i) a list of the categories of Personal Information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To exercise a request, please write to us at support@glideswipe.com and specify that you are making a “California Shine the Light Request.” We may require additional information from you to allow us to verify your identity and are only required to respond to requests once during any calendar year.

Additional Disclosures for Brazilian Residents

If you are a resident of Brazil, you have certain rights regarding the processing of your Personal Information under Brazilian General Data Protection Law (“LGPD”).

Subject to certain conditions, you have the right to obtain the following from us regarding the Personal Information that we collect and maintain about you:

• Confirmation of processing
• Access to information
• Correction of incomplete, inaccurate or out-of-date information
• The anonymization, blocking or deletion of unnecessary or excessive data processed in noncompliance with the LGPD
• The portability to another provider
• The deletion of information processed
• Information on the entities to whom we have disclosed the data and the consequences of not providing consent for the processing
• The review of decisions made exclusively on the basis of the automated processing of your Personal Information

You have the right to withdraw consent for processing of your Personal Information. Please be advised that if you withdraw consent to the processing of your Personal Information for the purposes described in this Privacy Policy, we may not be able to provide you with some, or all, of our Services. In certain situations, we may continue to process your Personal Information after you withdraw your consent where may be required to do so, such as to comply with legal obligation to which we are subject.

We rely on the following lawful bases to process your Personal Information:

• Valid consent
• To fulfill our legitimate interests or those of a third party, such as a contractual arrangement with you, unless your fundamental rights outweigh those interests
• When we are required to comply with a regulatory or legal obligations or exercise our rights in legal, administrative, or arbitration proceedings

If you are a resident of Brazil and have a concern about the processing of your Personal Information, you have the right to lodge a complaint with the National Data Protection Authority (ANPD). You may exercise your data subject rights or the withdrawal of your consent for processing by emailing us at support@glideswipe.com.

Effective as of March 19, 2025

Your Consent to Electronic Delivery (“Consent Statement”)

You are applying for a GlideSwipe Card. If you consent to this Consent Statement for this Program, it applies even if you do not obtain (or are not offered) a GlideSwipe Card.

Your affirmative consent to this E-sign & Electronic Communications Notice (“Consent”) permits Us to provide you such Communications electronically, enables you to sign and authorize Communications electronically through the use of the Dashboard or API’s provided by GlideSwipe (the “Dashboard”, “Platform” or “Service”), and allows GlideSwipe and its partners to collect such e-signings. If you do not consent to electronic delivery of Communications, you will not be able to use the Service.

By registering for a GlideSwipe Account, applying for a card, or accessing GlideSwipe Dashboard, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you, your Company Administrators, and Company Users, including in each case those required by law, and you shall ensure that all Company Administrators and Company Users consent to receiving User Notifications, electronically. You understand that this consent has the same legal effect as a physical signature.

You have the right to receive legal disclosures, notices, and communications (together, the “Covered Items”) in paper form by mail. We may instead provide these Covered Items to you electronically if you: give us your Consent to do so and satisfy the System Requirements below. For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices and communications that GlideSwipe is required to provide in writing regarding the account.

In this Consent Statement, “we,” “us,” and “our” refer to: Third National, Inc and our service providers.

Duration of Consent

Your Consent will remain effective until:

1. You or we have terminated the Program or your Card
2. You opt-out of electronic communications

If you terminate your Card, your Consent will still continue with respect to the pre-termination rights of GlideSwipe (including rights created by your Consent to this Consent Statement). See your cardholder agreement for information on how to terminate your Card.

Methods of Providing Covered Items

In this document, “provide” means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from our website. It is your responsibility to review the Covered Items promptly, so you can take appropriate action.

Access to Paper Copies

You may make copies of the Covered Items by using the “print” or “save” functionality of the application in which you are viewing the Covered Items (e.g. Web browser, Adobe® Reader® software). We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items to ensure you have them when needed.

You may request a paper copy at no cost of any Covered Item by calling us at 1 888-305-4443, emailing us at support@glideswipe.com.

Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion even if you have given us Consent to provide it electronically. For example, but without limitation, we may do this if we have a system outage or if we suspect fraud.

Hardware and Software Requirements

To access and retain the Covered Items, you must have a computing or communications device with:

• Working Internet access
• A Web browser that supports 128-bit encryption (we support the latest version of Chrome®, Firefox®, Microsoft Edge®, or Safari®)
• 16 MB of available memory (32 MB of RAM recommended)
• A program that can view, save and print PDF files (such as Adobe® Reader® 4.0 or higher)

You can download Adobe® Reader® by clicking here (clicking will open another browser window and take you to Adobe’s website). By providing us your Consent, you confirm you meet all of the above System Requirements.

Withdrawing Consent

You are free to withdraw Your Consent at any time and at no charge to you. If you do withdraw Your Consent prior to the approval of your application, this will prevent you from receiving credit from us over the Internet. If at any time you wish to withdraw Your Consent, you may do this by emailing us at support@glideswipe.com. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of any prior electronic Disclosures will not be affected.

Acknowledging Ability to Access and Consenting to Electronic Communications

By confirming that you have read and agreed to these terms, you are confirming that:

1. You have access to a computer system that meets the requirements set forth above
2. You agree to receive Covered Items electronically
3. You are able to access and print or store information presented to you

Effective as of March 19, 2025

GLIDESWIPE SPEND CARD TERMS

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

Important Disclosures

Rates, fees, and other important information about your GlideSwipe Spend Card (“Card”) are set forth in these Important Disclosures.

Interest Rates and Interest Charges: 0% Annual Percentage Rate (APR) for Purchases: 0%

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

Fees:

• Transaction Fee
• Foreign Purchases
• Foreign Exchange Fee (non USD): up to 3%
• Cross Border Fee: up to 3%
• Penalty Fees
  • Late payment: Up to $40
  • Returned payment: Up to $29
  • Liquidation penalty: Up to $35

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

GlideSwipe is providing access to a GlideSwipe Spend Account for purposes of facilitating transactions you make using a Card based on a limit established by GlideSwipe pursuant to the User Terms, and in conjunction with any limits set through the collateral in the your linked wallet. You understand that you have access to the Services and GlideSwipe Card only to the extent authorized by the GlideSwipe. You acknowledge and agree that GlideSwipe will satisfy obligations created through your use of the GlideSwipe Card and you will repay Glideswipe based on the terms of your User Agreement, subject to the terms below.

You understand that the GlideSwipe Card is not intended for personal, consumer, or household use and you agree you will only use the GlideSwipe Card for commercial or business purposes.

Details on GlideSwipe’s collection, use, and handling of your personal data are described in GlideSwipe Privacy Policy. Please review it carefully and contact GlideSwipe 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 March 19, 2025. This information may change after that date. To find out what may have changed, call or write the servicer, at support@glideswipe.com and 1 888-305-4443.

GlideSwipe 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 User 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.
• “Linked Wallet” means the primary wallet that is connected as a settlement source for your GlideSwipe Spend Card and which may or may not enable you to access your GlideSwipe Account and Spend Card.
• “Fee” means charges we impose on you for use of Services or your use of a GlideSwipe Card.
• “Issuer” refers to the issuer of the card program. The issuer for this card program is Third National, as principal member of the applicable Card Networks.
• “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 GlideSwipe 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.

Agreement: 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 GlideSwipe 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 Glideswipe, is and will be true, correct, and complete.
• You will not use the GlideSwipe Card for personal, family, or household use.
• You will only use the GlideSwipe 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.

2. Issuer Terms

Cards are issued either by the issuer identified on the back of the GlideSwipe GlideSwipe 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 GlideSwipe Card and based on information provided by Glideswipe. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with GlideSwipe, and your use of the GlideSwipe 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 GlideSwipe 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 GlideSwipe 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 GlideSwipe Card(s) and you do not add additional collateral. GlideSwipe and Issuer may allow for an additional grace period at their discretion.

“Market Value” of the Collateral will be determined by GlideSwipe 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 GlideSwipe or Issuers discretion. You agree that the market value of your collateral is determined solely by Issuer through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the collateral before or after a Liquidation Event will have no bearing on obligations owed to GlideSwipe and/or Issuer.

You, through one or more of your Linked Wallet or Additional Wallets, will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your GlideSwipe Cards. For example, if you provide Digital Assets with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD across all your GlideSwipe Cards. Once $100 USD has been charged to your GlideSwipe Cards, you will be required to provide additional Collateral for any incremental Charges. If the Market Value of your collateral goes down below $100 USD, and you have $100 USD in charges, you may be subject to a Liquidation Event. If the Market Value of your collateral is subject to a liquidation event when the Market Value is below your existing charges, you still owe GlideSwipe and Issuer any difference between the USD value of the charges, and the USD value of the collateral at the time of Liquidation.

Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your GlideSwipe Cards.

GlideSwipe and Issuer will not, in any circumstance, be holding custody of your Collateral. Issuer is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to GlideSwipe or Issuer liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to GlideSwipe, the Issuer or other third party, as applicable.

4. Spending Limits

Your spending limit is generally set by GlideSwipe pursuant to the terms of the GlideSwipe Terms as well as the amount of collateral in your linked wallet. Issuer may additionally set spending limits on each GlideSwipe Card or an aggregate spending limit across all GlideSwipe Cards, at its sole discretion. GlideSwipe 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. Any authorized Charge or fee on a GlideSwipe Card may reduce your spending limit by a corresponding amount.

When you use GlideSwipe Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined.

5. Purchases & Restrictions

The primary purpose of your Account is to facilitate corporate expenses and other corporate purchases. GlideSwipe 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 business 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 (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. 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.

We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. Cash advances and balance transfers are not available under these Card Terms.

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

You acknowledge and agree that you will not use the GlideSwipe Card (1) for any expense which is not a business expenses incurred by you; (2) for any purpose prohibited by these Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); for personal, family, or household use.

You will use all reasonable means to protect your GlideSwipe Cards and log-in credentials to the GlideSwipe Account from unauthorized use. You will not allow any other person or third party to use the Services or the GlideSwipe Card on your behalf. You will immediately notify us where you know or suspect that access to your GlideSwipe Account has been compromised or your GlideSwipe Card has been lost, stolen, or compromised in any way.

6. Payments

6.1 Promise to Pay

While you will generally repay GlideSwipe 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 Glideswipe, including all purchases, interest, and charges charged to your Account. You are obligated to repay GlideSwipe or its assignees, for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them,

6.2 Periodic Statements

You are responsible for payment in full of all Charges and Fees. Your GlideSwipe GlideSwipe 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 GlideSwipe Account. Periodic Statements may be made accessible to you on your GlideSwipe Account daily, monthly, or as otherwise prescribed by Issuer. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. We are not obligated to send you a monthly statement if we deem your Account to be uncollectible or applicable law does not require us to send you a monthly statement for other reasons. Your failure to get a statement will have no bearing on your obligations and GlideSwipe and Issuer may still liquidate your collateral per Section 3 of this agreement.

6.3 Repayments

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

Any failure to pay the full amount owed to GlideSwipe or the Issuer, as applicable, when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law. Balances in your linked wallet may be used as a source of funds for repayment for any spending on your Card, and you expressly authorize the use of your linked wallet for repayment any time you use your card for purchases, subject to the liquidation provisions discussed in Section 3 of this agreement and elsewhere in these Terms

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 GlideSwipe Card through your GlideSwipe Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days’ notice to you. Fees we assess may include interest or other finance related charges, periodic fees, fees for Card issuance or replacement, fees applicable to certain transactions, foreign transaction fees, usage fees, service fees, cash advance fees, fees for late payments, fees for failed payments or returned payments, fees for misuse of the Services, fees for Liquidation Events, or other fees we disclose to you. You are responsible for Fees in addition to Charges.

7.1 Penalty fees

(a) Liquidation fee

(b) 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 [$29.00]. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us.

© Additional fees. We may charge fees for special services you request in accordance with applicable law.

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 that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association.

Foreign Transaction Fees up to 3%

8. Managing Your GlideSwipe Cards

8.1 Requesting and Replacing Cards

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

You are responsible for securing GlideSwipe Cards, account numbers, and GlideSwipe Card security features. You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a GlideSwipe Card is lost, stolen, breached, or needs to be replaced. In such cases, you may request the issuance of replacement GlideSwipe Cards through your GlideSwipe Account. Replacement Cards may have new account numbers that could require you to update the GlideSwipe Card on file for any scheduled or recurring payments. You are solely responsible for updating GlideSwipe Card information stored with merchants where account numbers have been changed.

8.2 Permitted and Unauthorized Use

You may only use GlideSwipe Cards for bona fide business-related Charges and transactions, and not for personal, family, or household purposes. You understand that your GlideSwipe Account is commercial in nature and that certain consumer protection laws, such as the Credit Card Consumer Accountability, Responsibility, and Disclosure Act of 2009, do not apply to your GlideSwipe Account or the GlideSwipe Cards. You agree that all Charges and other transactions in your account will be treated as business transactions made solely for business purposes.

You agree to establish and maintain controls designed to ensure that the GlideSwipe Cards are only used by you and your permitted authorized users for bona fide business purposes and in compliance with these Card Terms, any Issuer terms, and applicable law. You are responsible for Charges and transactions made by any person given access to GlideSwipe Cards even if they are not the person associated with or named on the GlideSwipe Card.

GlideSwipe, Issuers, Card Networks, or other intermediary third-party service providers (including merchant acquirers) may deny or reverse Charges for any reason. Issuer is not responsible for any losses, damages, or harm caused by any Charges that are denied or reversed.

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 support@glideswipe.com or calling us at 1 888-305-4443. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before receipt of your notice by us. You have an obligation to assist us in our investigation if your GlideSwipe Card is lost or stolen or you believe someone is using your GlideSwipe Card or your GlideSwipe Account without your permission.

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. If the dispute is not resolved to your satisfaction or if you believe the Charge is unauthorized, you may initiate a Chargeback through your GlideSwipe Account. You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted on your Periodic Statement. We may require additional details on the transaction and our review of your disputed Charge will be conditioned on you providing all of the information we may require to review the disputed Charge.

You understand that the GlideSwipe Card is subject to Card Network rules regarding chargebacks. The Card Networks have additional established procedures for resolving chargebacks that may require you to provide further details of the disputed Charge or associated documentation.

Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargebacks resolved in your favor will be credited to your GlideSwipe Account on either the current or a future Periodic Statement. We may impose Fees, reduce your spending limits, or suspend access to your GlideSwipe Account or the Services if you fail to pay Charges relating to Chargebacks that are pending resolution on the payment date.

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. Any termination of credit privileges, whether initiated by us or by you, will not affect any of our rights or your obligations under these Card Terms, including your obligation to repay any amounts you owe us according to the terms of these Card Terms. On our demand or upon termination of credit privileges, you agree to surrender to us or destroy the Card. If you attempt to use the Card after the termination of credit privileges (whether or not we have provided notice of such termination), the Card may be retained by a merchant, ATM or financial institution where you attempt to use the Card.

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. Such changes may be based on our anti-fraud policies and procedures, your level of compliance with these Card Terms, prevailing economic conditions and/or any other factors. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new purchases and the outstanding balances of your Account, to the extent permitted 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, without waiving any rights under subsection (a); and/or © commence a collection action against you and charge you for any court costs and/or any reasonable attorneys’ fees and costs we are charged in connection with such action by any attorney who is not our salaried employee. After a default, interest charges will continue to accrue until your total Account balance, including accrued interest charges, is paid in full, subject to applicable law.

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. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later date. For example, we may accept late payments without losing any of our rights under these Card Terms.

14. Communications and Call Recording.

You authorize GlideSwipe, Issuer and their partners (one of and each of Issuer’s joint or independent affiliates, agents, assigns, and service providers (collectively, the “Messaging Parties”) 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 (including but not limited to: messages about , upcoming payment due dates, missed payments and returned payments) to any telephone number(s) you provide to the Messaging Parties. You also agree that these messages may deliver prerecorded and/or artificial voice messages. You understand that telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and that these messages may also be recorded by your answering machine. You also authorize the Messaging Parties to deliver messages to you via mail or email at any addresses you supply to them or that they obtain through any legal means.

You understand that anyone with access to your mail, telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. If any telephone number you have provided to the Messaging Parties changes, or if you cease to be the owner, subscriber, or primary user of any such telephone number, you agree to immediately give notice to the Messaging Party who delivered the messages of such facts so that the Messaging Party can update its records.

This authorization is part of our bargain concerning these Card Terms, and we do not intend it to be revocable. However, to the extent you have the right to revoke your consent to communications by autodialed calls and text messages to your mobile number under applicable law, you may exercise this right by contacting the applicable Messaging Party directly or by sending a request by email to support@glideswipe.com with the subject line “END COMMUNICATIONS.” You may opt-out of receiving most of these messages at any time by sending us a request to support@glideswipe.com or by responding “STOP” to any text message. To stop emails only, you can follow the opt-out instructions included at the bottom of the Messaging Parties’ emails.

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:

(a) 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. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and Issuer that arises out of or relates to (i) these Card Terms (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the GlideSwipe Card).

(b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Card Terms.

Arbitration Procedure:

(a) Before filing a claim against Issuer, you agree to try to resolve the Dispute informally by providing written notice to Issuer of the actual or potential Dispute. Similarly, Issuer will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the “Notifying Party”) will include in that notice (a “Notice of Dispute”) your name, the Notifying Party’s contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the “Notified Party”) to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith.

(b) If, notwithstanding the Notifying Party’s compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of these Card Terms, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys’ fees) incurred in connection with such Dispute.

© You and Issuer each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and Issuer agree that the American Arbitration Association (“AAA”) will administer the arbitration under its Commercial Arbitration Rules (the “Rules”). The Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other Issuer users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may – if selected by either party or as the chair by the two party-selected arbitrators – participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential.

(d) You and Issuer further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means.

(e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys’ fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded.

(f) You and Issuer agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor Issuer may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a “Collective Arbitration”). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Issuer will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. “Concurrently” for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR ISSUER SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator.

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. Notwithstanding any other provision of these Card Terms or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration.

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.

Venue and Jurisdiction for Judicial Proceedings:

Except as otherwise required by applicable law or provided in these Card Terms, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and Issuer agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and Issuer irrevocably consent to venue and personal jurisdiction there; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction.

Confidentiality:

The existence of and all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information.

Survival:

This agreement to arbitrate shall survive the termination or expiration of these Card Terms. With the exception of the provisions of this agreement to arbitrate that prohibit Collective Arbitration, if a court decides that any part of this agreement to arbitrate is invalid or unenforceable, then the remaining portions of this agreement to arbitrate shall nevertheless remain valid and in force. In the event that a court finds the prohibition of Collective Arbitration to be invalid or unenforceable, then the entirety of this agreement to arbitrate shall be deemed void (but no provisions of these Card Terms unrelated to arbitration shall be void), and any remaining Dispute must be litigated in court pursuant to the preceding paragraph./p>

Indemnity:

You will indemnify and defend each of Glideswipe 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: (1) 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 Glideswipe Card; (ii) for amounts owed by Company to third parties; (iii) for acts or omissions of Company Administrators, Company Users, or other Company employees or agents; (iv) for Company’s use of the Services; or (v) for disputes over charges between Company and merchants. Glideswipe and Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse GlideSwipe for the reasonable fees of such counsel and all related costs and reasonable expenses

If you are a user from a jurisdiction that does not allow the certain indemnification obligations, you agree that the foregoing section titled “Indemnity” is intended to be as broad as permitted under the laws of such jurisdiction. If any portion of this section is held to be invalid under the laws of such jurisdiction, the invalidity of such portion will not affect the validity of the remaining portions of the applicable sections.

GLIDESWIPE SPEND CARD TERMS

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

Important Disclosures

Rates, fees, and other important information about your GlideSwipe Spend Card (“Card”) are set forth in these Important Disclosures.

Interest Rates and Interest Charges: 0%

Annual Percentage Rate (APR) for Purchases: 0%

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

Fees

• Transaction Fee
• Foreign Purchases
• Foreign Exchange Fee (non USD): up to 3%
• Cross Border Fee: up to 3%
• Penalty Fees
  • Late payment: Up to $40
  • Returned payment: Up to $29
  • Liquidation penalty: Up to $35

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

GlideSwipe is providing access to a GlideSwipe Spend Account for purposes of facilitating transactions you make using a Card based on a limit established by GlideSwipe pursuant to the User Terms, and in conjunction with any limits set through the collateral in the your linked wallet. You understand that you have access to the Services and GlideSwipe Card only to the extent authorized by the GlideSwipe. You acknowledge and agree that GlideSwipe will satisfy obligations created through your use of the GlideSwipe Card and you will repay Glideswipe based on the terms of your User Agreement, subject to the terms below.

You understand that the GlideSwipe Card is not intended for personal, consumer, or household use and you agree you will only use the GlideSwipe Card for commercial or business purposes.

Details on GlideSwipe’s collection, use, and handling of your personal data are described in GlideSwipe Privacy Policy. Please review it carefully and contact GlideSwipe 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 March 19, 2025. This information may change after that date. To find out what may have changed, call or write the servicer, at support@glideswipe.com and 1 888-305-4443.

GlideSwipe 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 User 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.
• “Linked Wallet” means the primary wallet that is connected as a settlement source for your GlideSwipe Spend Card and which may or may not enable you to access your GlideSwipe Account and Spend Card.
• “Fee” means charges we impose on you for use of Services or your use of a GlideSwipe Card.
• “Issuer” refers to the issuer of the card program. The issuer for this card program is Third National, as principal member of the applicable Card Networks.
• “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 GlideSwipe 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.

Agreement:

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 GlideSwipe 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 Glideswipe, is and will be true, correct, and complete.
• You will not use the GlideSwipe Card for personal, family, or household use.
• You will only use the GlideSwipe Card in compliance with applicable law.
• 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 GlideSwipe 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 GlideSwipe Card and based on information provided by Glideswipe. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with GlideSwipe, and your use of the GlideSwipe 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 GlideSwipe 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 GlideSwipe 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 GlideSwipe Card(s) and you do not add additional collateral. GlideSwipe and Issuer may allow for an additional grace period at their discretion.

“Market Value” of the Collateral will be determined by GlideSwipe 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 GlideSwipe or Issuers discretion. You agree that the market value of your collateral is determined solely by Issuer through the above methods. You further agree that the Market Value is determined at the time of a Liquidation Event and any change in or fluctuation in value of the collateral before or after a Liquidation Event will have no bearing on obligations owed to GlideSwipe and/or Issuer.

You, through one or more of your Linked Wallet or Additional Wallets, will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your GlideSwipe Cards. For example, if you provide Digital Assets with a Market Value equal to $100 of value in USD, and that Market Value does not change, your spending limit will be equal to $100 USD across all your GlideSwipe Cards. Once $100 USD has been charged to your GlideSwipe Cards, you will be required to provide additional Collateral for any incremental Charges. If the Market Value of your collateral goes down below $100 USD, and you have $100 USD in charges, you may be subject to a Liquidation Event. If the Market Value of your collateral is subject to a liquidation event when the Market Value is below your existing charges, you still owe GlideSwipe and Issuer any difference between the USD value of the charges, and the USD value of the collateral at the time of Liquidation.

Your withdrawal of any Collateral will not terminate any outstanding payment obligations you may have on your GlideSwipe Cards.

GlideSwipe and Issuer will not, in any circumstance, be holding custody of your Collateral. Issuer is not a custodian or owner of your Collateral. If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral. Any unencumbered Collateral balances shall remain freely accessible. You authorize and consent to GlideSwipe or Issuer liquidating the Collateral upon a Liquidation Event through a third party or by other means in order to satisfy payment obligations owed by you to GlideSwipe, the Issuer or other third party, as applicable.

4. Spending Limits

Your spending limit is generally set by GlideSwipe pursuant to the terms of the GlideSwipe Terms as well as the amount of collateral in your linked wallet. Issuer may additionally set spending limits on each GlideSwipe Card or an aggregate spending limit across all GlideSwipe Cards, at its sole discretion. GlideSwipe 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. Any authorized Charge or fee on a GlideSwipe Card may reduce your spending limit by a corresponding amount.

When you use GlideSwipe Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined.

5. Purchases & Restrictions

The primary purpose of your Account is to facilitate corporate expenses and other corporate purchases. GlideSwipe 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 business 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 (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. 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.

We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We may terminate or suspend your use of the Card or the Account, with or without notice to you before or at the time we take such action. Cash advances and balance transfers are not available under these Card Terms.

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

You acknowledge and agree that you will not use the GlideSwipe Card (1) for any expense which is not a business expenses incurred by you; (2) for any purpose prohibited by these Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); for personal, family, or household use.

You will use all reasonable means to protect your GlideSwipe Cards and log-in credentials to the GlideSwipe Account from unauthorized use. You will not allow any other person or third party to use the Services or the GlideSwipe Card on your behalf. You will immediately notify us where you know or suspect that access to your GlideSwipe Account has been compromised or your GlideSwipe Card has been lost, stolen, or compromised in any way.

6. Payments

6.1 Promise to Pay

While you will generally repay GlideSwipe 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 Glideswipe, including all purchases, interest, and charges charged to your Account. You are obligated to repay GlideSwipe or its assignees, for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them,

6.2 Periodic Statements

You are responsible for payment in full of all Charges and Fees. Your GlideSwipe GlideSwipe 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 GlideSwipe Account. Periodic Statements may be made accessible to you on your GlideSwipe Account daily, monthly, or as otherwise prescribed by Issuer. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. We are not obligated to send you a monthly statement if we deem your Account to be uncollectible or applicable law does not require us to send you a monthly statement for other reasons. Your failure to get a statement will have no bearing on your obligations and GlideSwipe and Issuer may still liquidate your collateral per Section 3 of this agreement.

6.3 Repayments

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

Any failure to pay the full amount owed to GlideSwipe or the Issuer, as applicable, when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law. Balances in your linked wallet may be used as a source of funds for repayment for any spending on your Card, and you expressly authorize the use of your linked wallet for repayment any time you use your card for purchases, subject to the liquidation provisions discussed in Section 3 of this agreement and elsewhere in these Terms

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 GlideSwipe Card through your GlideSwipe Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days’ notice to you. Fees we assess may include interest or other finance related charges, periodic fees, fees for Card issuance or replacement, fees applicable to certain transactions, foreign transaction fees, usage fees, service fees, cash advance fees, fees for late payments, fees for failed payments or returned payments, fees for misuse of the Services, fees for Liquidation Events, or other fees we disclose to you. You are responsible for Fees in addition to Charges.

7.1 Penalty fees.

(a) Liquidation fee

(b) 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 [$29.00]. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us.

© Additional fees. We may charge fees for special services you request in accordance with applicable law.

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 that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association.

Foreign Transaction Fees up to 3%

8. Managing Your GlideSwipe Cards

8.1 Requesting and Replacing Cards

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

You are responsible for securing GlideSwipe Cards, account numbers, and GlideSwipe Card security features. You will promptly notify us and take appropriate measures to prevent unauthorized transactions when a GlideSwipe Card is lost, stolen, breached, or needs to be replaced. In such cases, you may request the issuance of replacement GlideSwipe Cards through your GlideSwipe Account. Replacement Cards may have new account numbers that could require you to update the GlideSwipe Card on file for any scheduled or recurring payments. You are solely responsible for updating GlideSwipe Card information stored with merchants where account numbers have been changed.

8.2 Permitted and Unauthorized Use

You may only use GlideSwipe Cards for bona fide business-related Charges and transactions, and not for personal, family, or household purposes. You understand that your GlideSwipe Account is commercial in nature and that certain consumer protection laws, such as the Credit Card Consumer Accountability, Responsibility, and Disclosure Act of 2009, do not apply to your GlideSwipe Account or the GlideSwipe Cards. You agree that all Charges and other transactions in your account will be treated as business transactions made solely for business purposes.

You agree to establish and maintain controls designed to ensure that the GlideSwipe Cards are only used by you and your permitted authorized users for bona fide business purposes and in compliance with these Card Terms, any Issuer terms, and applicable law. You are responsible for Charges and transactions made by any person given access to GlideSwipe Cards even if they are not the person associated with or named on the GlideSwipe Card.

GlideSwipe, Issuers, Card Networks, or other intermediary third-party service providers (including merchant acquirers) may deny or reverse Charges for any reason. Issuer is not responsible for any losses, damages, or harm caused by any Charges that are denied or reversed.

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 support@glideswipe.com or calling us at 1 888-305-4443. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before receipt of your notice by us. You have an obligation to assist us in our investigation if your GlideSwipe Card is lost or stolen or you believe someone is using your GlideSwipe Card or your GlideSwipe Account without your permission.

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. If the dispute is not resolved to your satisfaction or if you believe the Charge is unauthorized, you may initiate a Chargeback through your GlideSwipe Account. You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted on your Periodic Statement. We may require additional details on the transaction and our review of your disputed Charge will be conditioned on you providing all of the information we may require to review the disputed Charge.

You understand that the GlideSwipe Card is subject to Card Network rules regarding chargebacks. The Card Networks have additional established procedures for resolving chargebacks that may require you to provide further details of the disputed Charge or associated documentation.

Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargebacks resolved in your favor will be credited to your GlideSwipe Account on either the current or a future Periodic Statement. We may impose Fees, reduce your spending limits, or suspend access to your GlideSwipe Account or the Services if you fail to pay Charges relating to Chargebacks that are pending resolution on the payment date.

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. Any termination of credit privileges, whether initiated by us or by you, will not affect any of our rights or your obligations under these Card Terms, including your obligation to repay any amounts you owe us according to the terms of these Card Terms. On our demand or upon termination of credit privileges, you agree to surrender to us or destroy the Card. If you attempt to use the Card after the termination of credit privileges (whether or not we have provided notice of such termination), the Card may be retained by a merchant, ATM or financial institution where you attempt to use the Card.

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. Such changes may be based on our anti-fraud policies and procedures, your level of compliance with these Card Terms, prevailing economic conditions and/or any other factors. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new purchases and the outstanding balances of your Account, to the extent permitted 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, without waiving any rights under subsection (a); and/or © commence a collection action against you and charge you for any court costs and/or any reasonable attorneys’ fees and costs we are charged in connection with such action by any attorney who is not our salaried employee. After a default, interest charges will continue to accrue until your total Account balance, including accrued interest charges, is paid in full, subject to applicable law.

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. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later date. For example, we may accept late payments without losing any of our rights under these Card Terms.

14. Communications and Call Recording.

You authorize GlideSwipe, Issuer and their partners (one of and each of Issuer’s joint or independent affiliates, agents, assigns, and service providers (collectively, the “Messaging Parties”) 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 (including but not limited to: messages about , upcoming payment due dates, missed payments and returned payments) to any telephone number(s) you provide to the Messaging Parties. You also agree that these messages may deliver prerecorded and/or artificial voice messages. You understand that telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and that these messages may also be recorded by your answering machine. You also authorize the Messaging Parties to deliver messages to you via mail or email at any addresses you supply to them or that they obtain through any legal means.

You understand that anyone with access to your mail, telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. If any telephone number you have provided to the Messaging Parties changes, or if you cease to be the owner, subscriber, or primary user of any such telephone number, you agree to immediately give notice to the Messaging Party who delivered the messages of such facts so that the Messaging Party can update its records.

This authorization is part of our bargain concerning these Card Terms, and we do not intend it to be revocable. However, to the extent you have the right to revoke your consent to communications by autodialed calls and text messages to your mobile number under applicable law, you may exercise this right by contacting the applicable Messaging Party directly or by sending a request by email to support@glideswipe.com with the subject line “END COMMUNICATIONS.” You may opt-out of receiving most of these messages at any time by sending us a request to support@glideswipe.com or by responding “STOP” to any text message. To stop emails only, you can follow the opt-out instructions included at the bottom of the Messaging Parties’ emails.

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:

(a) 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. The award of the arbitrator may be entered in any court having jurisdiction. “Dispute” means any dispute, claim, or controversy between you and Issuer that arises out of or relates to (i) these Card Terms (including any addenda hereto or other terms incorporated herein by reference), (ii) the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of the agreement to arbitrate hereunder, or (iii) any Services (including, without limitation, the GlideSwipe Card).

(b) This agreement to arbitrate shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Card Terms.

Arbitration Procedure:

(a) Before filing a claim against Issuer, you agree to try to resolve the Dispute informally by providing written notice to Issuer of the actual or potential Dispute. Similarly, Issuer will provide written notice to you of any actual or potential Dispute to endeavor to resolve any claim we may possess informally before taking any formal action. The party that provides the notice of the actual or potential Dispute (the “Notifying Party”) will include in that notice (a “Notice of Dispute”) your name, the Notifying Party’s contact information for any communications relating to such Dispute, and sufficient details regarding such Dispute to enable the other party (the “Notified Party”) to understand the basis of and evaluate the concerns raised. If the Notified Party responds within ten (10) business days after receiving the Notice of Dispute that it is ready and willing to engage in good faith discussions in an effort to resolve the Dispute informally, then each party shall promptly participate in such discussions in good faith.

(b) If, notwithstanding the Notifying Party’s compliance with all of its obligations under the preceding paragraph, a Dispute is not resolved within thirty (30) days after the Notice of Dispute is sent (or if the Notified Party fails to respond to the Notice of Dispute within ten (10) business days), the Notifying Party may initiate an arbitration proceeding as described below. If either party purports to initiate arbitration without first providing a Notice of Dispute and otherwise complying with all of its obligations under the preceding paragraph, then, notwithstanding any other provision of these Card Terms, the arbitrator(s) will promptly dismiss the claim with prejudice and will award the other party all of its costs and expenses (including, without limitation, reasonable attorneys’ fees) incurred in connection with such Dispute.

© You and Issuer each agree to resolve any Disputes that are not resolved informally as described above through final and binding arbitration as discussed herein, except as set forth under Section 12.3 below. You and Issuer agree that the American Arbitration Association (“AAA”) will administer the arbitration under its Commercial Arbitration Rules (the “Rules”). The Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration.) Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. The arbitrator(s) shall be authorized to award any remedies, including injunctive relief, that would be available to you in an individual lawsuit, subject to any effective and enforceable limitations of liability or exclusions of remedies set forth herein. Notwithstanding any language to the contrary in this paragraph, if a party seeks injunctive relief that would significantly impact other Issuer users as reasonably determined by either party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. Each party shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may – if selected by either party or as the chair by the two party-selected arbitrators – participate in the arbitral panel. Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential.

(d) You and Issuer further agree that the arbitration will be held in the English language in New York, New York, or, if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means.

(e) Filing costs and administrative fees shall be paid in accordance with the AAA Rules; provided that the prevailing party will be entitled to recover its reasonable attorneys’ fees, expert witness fees, and out-of-pocket costs incurred in connection with the arbitration proceeding, in addition to any other relief it may be awarded.

(f) You and Issuer agree that, notwithstanding anything to the contrary in the Rules, the arbitration of any Dispute shall proceed on an individual basis, and neither you nor Issuer may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a “Collective Arbitration”). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Issuer will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. “Concurrently” for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR ISSUER SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE, ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Without limiting the foregoing, any challenge to the validity of this paragraph shall be determined exclusively by the arbitrator.

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. Notwithstanding any other provision of these Card Terms or the AAA Rules, disputes regarding the interpretation, applicability, or enforceability of this class waiver may be resolved only by a court and not by an arbitrator. If this waiver of class or consolidated actions is deemed invalid or unenforceable, neither party is entitled to arbitration.

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.

Venue and Jurisdiction for Judicial Proceedings:

Except as otherwise required by applicable law or provided in these Card Terms, in the event that the agreement to arbitrate is found not to apply to you or your Dispute, you and Issuer agree that any judicial proceeding may only be brought in a court of competent jurisdiction in Puerto Rico. Both you and Issuer irrevocably consent to venue and personal jurisdiction there; provided that either party may bring any action to confirm an arbitral award in any court having jurisdiction.

Confidentiality:

The existence of and all information regarding any Dispute will be held in strict confidence by the parties and will not be disclosed by either party except as reasonably necessary in connection with the conduct of the arbitration or the confirmation or enforcement of any arbitral award. Any such permitted disclosure will, to the maximum extent reasonably practicable, be made subject to obligations of confidentiality at least as stringent as the provisions of this paragraph. If any disclosure of information regarding any Dispute is required under applicable law, the parties shall reasonably cooperate with one another to obtain protective orders or otherwise to preserve the confidentiality of such information.

Survival:

This agreement to arbitrate shall survive the termination or expiration of these Card Terms. With the exception of the provisions of this agreement to arbitrate that prohibit Collective Arbitration, if a court decides that any part of this agreement to arbitrate is invalid or unenforceable, then the remaining portions of this agreement to arbitrate shall nevertheless remain valid and in force. In the event that a court finds the prohibition of Collective Arbitration to be invalid or unenforceable, then the entirety of this agreement to arbitrate shall be deemed void (but no provisions of these Card Terms unrelated to arbitration shall be void), and any remaining Dispute must be litigated in court pursuant to the preceding paragraph.

Indemnity:

You will indemnify and defend each of Glideswipe 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: (1) 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 GlideSwipe Card; (ii) for amounts owed by Company to third parties; (iii) for acts or omissions of Company Administrators, Company Users, or other Company employees or agents; (iv) for Company’s use of the Services; or (v) for disputes over charges between Company and merchants. Glideswipe and Issuer may defend any claim subject to indemnification hereunder, using counsel of its choice, and you will pay or promptly reimburse GlideSwipe for the reasonable fees of such counsel and all related costs and reasonable expenses

If you are a user from a jurisdiction that does not allow the certain indemnification obligations, you agree that the foregoing section titled “Indemnity” is intended to be as broad as permitted under the laws of such jurisdiction. If any portion of this section is held to be invalid under the laws of such jurisdiction, the invalidity of such portion will not affect the validity of the remaining portions of the applicable sections.

Effective as of March 19, 2025