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 CARD LIMITS (CAD)

Membership Level	Daily Limit	Weekly Limit	Monthly Limit
Spend Simple™	$500.00 – Purchases $100.00 – ATM	$3,500.00 – Purchases $700.00 – ATM	$5,000.00 – Purchases $1,000.00 – ATM
Spend Preferred™	$5,000.00 – Purchases $500.00 – ATM	$10,000.00 – Purchases $1,000.00 – ATM	$20,000.00 – Purchases $4,000.00 – ATM
Spend Black™	$7,500.00 – Purchases $2,500.00 – ATM	$18,750.00 – Purchases $6,250.00 – ATM	$75,000.00 – Purchases $25,000.00 – ATM

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 €0.57 + 1.5%. International fees only apply when the transaction performed is in any other currency other than Euros (EUR €)

SPEND CARD LIMITS (EUR)

Membership Level	Daily Limit	Monthly Limit
Spend Simple™	€500.00 – Purchases €100.00 – ATM	€5,000.00 – Purchases €500 – ATM
Spend Preferred™	€5,000.00 – Purchases €200.00 – ATM	€10,000.00 – Purchases €1,000.00 – ATM
Spend Black™	€10,000.00 – Purchases €320 – ATM	€20,000.00 – Purchases €2,000.00 – ATM

CARDHOLDER FEES

UNION PAY CARD FEES – LOAD BASIS

*Whichever is higher

SPEND CARD LIMITS (USD)

Deposits made into the Spend Wallet are free with the exception of wire transfers. Wire transfers retain a fee of $35.00 USD.

Spend Wallet Fiat Withdraw Fees

Symbol	Fiat Name	Minimum Withdrawal	Withdrawal Fee
USD	US Dollar	$10.00	0%
CAD	Canadian Dollar	$10.00	0.2%
EUR	Euro	€10.00	0.2%

Spend Wallet Crypto Withdraw Fees

Symbol	Coin/Token Name	Minimum Withdrawal	Withdrawal Fee
SPND	Spendcoin	1	0.3 SPND
BTC	Bitcoin	0.002	0.0005 BTC
BCH	Bitcoin Cash	0.002	0.001 BCH
ETH	Ethereum	0.02	0.01 ETH
LTC	Litecoin	0.002	0.01 LTC
ETC	Ethereum Classic	0.02	0.01 LTC
TRX	TRX	10	1 TRX
EOS	EOS	0.2	0.1 EOS
ZEC	Zcash	0.01	0.005 ZEC
DASH	Dash	0.004	0.002 DASH
ADA	Cardano	4	1 ADA
XRP	Ripple	22	0.25 XRP
XLM	Stellar Lumens	21	0.01 XLM
BNB	Binance Coin	0.5	0.13 BNB
POLY	Polymath	15	7 POLY

Spend Wallet Tier 0 Limits

Spend Wallet Tier 1 Limits

Spend Wallet Tier 2 Limits

Spend Wallet Tier 3 Limits

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.

** After 6 months from your original Lock Date your SPND lock will be released and you are able to unlock them. If you choose to keep them locked in the Spend Wallet you will enjoy enhanced rewards as mentioned below.

MEMBER REFERRAL REWARDS

All Membership Referral Rewards are paid in Spendcoins (SPND) based on USD value equivalent. All registered Spend Simple users may distribute invitations to anyone of their choice, where they will receive $10 and their referral receives $10 dollars. Spend Simple Members can earn up to $2,500 through Referral Rewards. Spend Preferred and Spend Black Members have access to our Enhanced Referral Rewards program, where they may distribute invitations to anyone of their choice. Each reward is valued at $50 for Spend Preferred Members and $100 for Spend Black Members. Spend Preferred Members can earn up to $5,000 through Enhanced Referral Rewards.  Spend Black Members can earn up to $10,000 through Enhanced Referral Rewards. All Member Referral Rewards are typically paid within 30 days to both the user and the referral upon Spend App sign-up, KYC verification, card order and activation.

SPEND CARD REWARDS

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

MEMBER WALLET REWARDS

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