CARDHOLDER FEES

BANK – CARD FEES

† The total fee will be the rate charged by the network (Visa) on the day the transaction is processed, plus the administration fee of 3.00%.

SPEND – WITHDRAWAL FEES

* These fees are not charged by the issuing bank and are provided herein for information purposes only. These fees remain at all times subject to the terms and conditions of any agreements between you and Spend. Fiat Currencies are excluded from this fee.

CARDHOLDER FEES

UNION PAY CARD FEES – LOAD BASIS

*Whichever is higher

MEMBERSHIP AGREEMENT

between

Spend and the User

By clicking “I agree to the Spend Terms of Use” or by activating or using your Spend Card, you acknowledge that you have (i) received and read the entire agreement set out below, (ii) accepted the terms and conditions set out below, and (iii) agreed to the membership fees set out below. Spend will be deemed that you have agreed to this Membership Agreement if it issues a Spend Card to you and that card is activated for use by you. (iv) Spend has the right to modify any of the member terms at anytime without written or electronic notice. (v) You agree that these terms adhere to the same clause of arbitration in the general Terms of Use of all Spend services. (vi) Spend has the final rights to this program and can modify or terminate it without notice.

SPEND – MEMBERSHIP LEVEL FEES*

Membership fees are only paid once for a lifetime benefit per card.  All fees shown are in USD.

* These fees are not charged by the issuing banks and are provided herein for information purposes only. These fees remain at all times subject to the terms and conditions of any agreements between you and SPEND.

MEMBER REFERRAL REWARDS

All Membership Referral Rewards are paid in Spendcoins (SPND) based on USD value equivalent.  Spend Preferred and Spend Black Members have access to our Referral Rewards program, where they may distribute invitations to anyone of their choice. Each reward is valued at $25 for Spend Plus Members, $50 for Spend Preferred Members, and $100 for Spend Black Members. Spend Preferred Members can earn up to $5,000 through Referral Rewards.  Spend Black Members can earn up to $10,000 through Referral Rewards. The reward is paid to both the user and the referral upon Spend App sign-up, KYC verification, and card order.

SPEND CARD REWARDS

All Membership Card Rewards are paid in Spendcoins (SPND) based on USD value equivalent. Rewards are paid instantly to the users wallet.

MEMBER WALLET REWARDS

All Membership Wallet Rewards are paid in Spendcoins (SPND) based on USD value equivalent. Rewards are paid instantly to the users wallet.