Qualifying transactions are purchases made using the Pay Later feature of the Exa Card in up to six (6) installments during the Promotion Period (“Eligible Transactions”). Any Pay Later installment plan from one (1) up to and including six (6) installments qualifies.

A purchase qualifies only if it is both initiated on or after July 1, 2026 and approved (settled) before August 1, 2026. For the purposes of this Promotion, a transaction is considered “approved” when it has been authorized and settled on the Exa Card.

Purchases made using the Pay Now feature are expressly excluded from this Promotion, regardless of amount or date.

Each Eligible Transaction will initially be processed under the Standard Interest. For the purposes of these Terms and Conditions, “Standard Interest” means the ordinary, non-promotional interest rate that Exa applies to Pay Later installment purchases on the Exa Card — that is, the fixed rate for the applicable Pay Later installment plan (from one (1) up to six (6) installments) that the Eligible User would be charged in the absence of this Promotion, as disclosed in the Exa Card terms and within the Uphold App at the time of purchase. The Standard Interest charged will subsequently be reimbursed in accordance with Section 6 below.

The Promotion applies to a cumulative maximum of three thousand U.S. Dollar Coin (3,000 USDC) in Eligible Transactions per Eligible User during the Promotion Period (the “Cap”).

If an Eligible User’s cumulative Eligible Transactions exceed the Cap, only the portion up to and including 3,000 USDC will qualify for the interest reimbursement. The excess amount will bear Standard Interest.

For the avoidance of doubt: if a single Eligible Transaction causes the cumulative total to exceed 3,000 USDC, the portion of that transaction up to the Cap will be eligible for reimbursement and only the excess will bear Standard Interest.

Standard Interest accrued on Eligible Transactions (up to the Cap) will be reimbursed to the Eligible User during the first week of August 2026 (between August 1 and August 7, 2026).

The reimbursement will be credited as USDC directly to the Eligible User’s Exa Card account accessed through the Uphold App. No cash, bank transfer, or alternative-asset equivalent will be offered.

The reimbursement amount will equal the total Standard Interest charged on Eligible Transactions up to the Cap during the Promotion Period.

If an Eligible Transaction is subsequently subject to a refund, reversal, chargeback, or cancellation—whether in whole or in part—the Standard Interest corresponding to the refunded or reversed portion will not be reimbursed, and any amount already reimbursed in respect of that portion may be clawed back.

A transaction that is refunded, reversed, charged back, or cancelled before settlement is completed will not be treated as an Eligible Transaction and will not count toward the Cap.

Exa reserves the right to suspend, modify, or cancel this Promotion at any time, with prior notice to users through the Exa Card interface within the Uphold App or official communication channels.

Participation in this Promotion implies full acceptance of these Terms and Conditions.

Exa shall not be liable for technical failures, service interruptions, or force majeure events that may affect the normal operation of the Promotion, including any event attributable to the Uphold App or other third-party systems.

The Promotion is non-transferable. Eligible Users may not assign or transfer their benefit to third parties.

In the event of fraud, abuse, or conduct that Exa reasonably deems inconsistent with the spirit of this Promotion, Exa reserves the right to disqualify the user and withhold or claw back any reimbursement.