Fees & Limits

Card Fees

CARDHOLDER AGREEMENT

between

DirectCash Bank and the Cardholder

By clicking “I agree to the Spend Card Cardholder Agreement” 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 card fees set out below. DirectCash Bank will be deemed to have agreed to this Cardholder Agreement if it issues a Spend Card to you and that card is activated for use by you.

DIRECTCASH BANK – CARD FEES

Description	Fees
All transactions	$0.00
International foreign exchange transactions†	3.00%
Overdraft Fee	$5.00
Chargeback Fee	$20.00
Card Replacement Fee	$10.00
Inactivity Fee	$5.00 per month

* All fees are per occurrence, except the Inactivity Fee as described in Section 13.

† 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

Description	Fees
All Card withdrawal transactions (including POS and ATM transactions)*	1.00%

* These fees are not charged by DCBank 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.

Membership Fees

MEMBERSHIP AGREEMENT

between

Spend and the Cardholder

By clicking “I agree to the Spend Membership Agreement” 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 to have agreed to this Membership Agreement if it issues a Spend Card to you and that card is activated for use by you.

SPEND – MEMBERSHIP LEVEL FEES*

Description	Fees
Spend Wallet™	Free
Spend Simple™	$25.00 Membership Fee
Spend Signature™	$50.00 Membership Fee 20,000 SPND Lock for 6 months
Spend Black™	$500.00 Membership Fee 150,000 SPND Lock for 6 months
Spend Black™ Metal Upgrade Fee	$500.00
Spend Black Metal Replacement Surcharge Fee	$100.00

Wallet Fees

Deposits made into the Spend Wallet are free.

Spend Wallet Fiat Withdraw Fees

Symbol	Fiat Name	Minimum Withdrawal	Withdrawal Fee
USD	US Dollar	$10.00	0.2%
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
USDT	Tether	5	3 USDT
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
QTUM	Qtum	0.02	0.01 QTUM
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

Wallet Limits

Spend Wallet Tier 0 Limits

Type	Deposit	Daily Withdrawal	Monthly Withdrawal
Cryptocurrency	$0.00	$0.00	$0.00
Fiat	$0.00	$0.00	$0.00

Spend Wallet Tier 1 Limits

Type	Deposit	Daily Withdrawal	Monthly Withdrawal
Cryptocurrency	No Limit	$5,000.00	$100,000.00
Fiat	$0.00	$0.00	$0.00

Spend Wallet Tier 2 Limits

Type	Deposit	Daily Withdrawal	Monthly Withdrawal
Cryptocurrency	No Limit	$1,000,000.00	$30,000,000.00
Fiat	No Limit	$25,000.00	$1,000,000.00

Spend Wallet Tier 3 Limits

Type	Deposit	Daily Withdrawal	Monthly Withdrawal
Cryptocurrency	No Limit	$20,000,000.00	$500,000,000.00
Fiat	No Limit	$5,000,000.00	$50,000,000.00

Card Limits

Spend Card Tier 2 & 3 Limits (Amounts are in CAD)

Membership Level	Daily Limit	Weekly Limit	Monthly Limit
Spend Simple™	$500.00 – Purchases $100.00 – ATM	$3,500.00 – Purchases $700.00 – ATM	$14,000.00 – Purchases $2,800.00 – ATM
Spend Signature™	$5,000.00 – Purchases $500.00 – ATM	$10,000.00 – Purchases $1,000.00 – ATM	$25,000.00 – Purchases $4,000.00 – ATM
Spend Black™ *TIER 3 REQUIRED	$7,500.00* – Purchases $2,500.00* – ATM	$18,750.00* – Purchases $6,250.00* – ATM	$75,000.00* – Purchases $25,000.00* – ATM