Exa Card Activation Reward – Spend $100, Get $20 in XRP (Uphold, US). Terms and Conditions

The Promotion is open only to natural persons who, as of October 1, 2026 (the "Cutoff Date"): (a) are residents of the United States; (b) hold an Uphold account in good standing; (c) have activated an Exa Card through the Uphold platform; (d) have not recorded any purchase transaction with that Exa Card; and (e) have been selected and notified by Uphold as invited to participate in the Promotion (each, an "Eligible User").

Participation is by invitation only. The invited group is a fixed cohort of 3,000 Uphold users selected at random from those meeting criteria (a) through (d). Exa Cards activated after the Cutoff Date, and users not included in the invited cohort, are not eligible, even if they otherwise meet the criteria above.

The Promotion is not available to residents of any country other than the United States, including Latin America, and is not available to Exa App users who obtained their Exa Card outside the Uphold platform.

Employees, contractors, and immediate family members of Exa and Uphold are not eligible.

Exa reserves the right, at its sole discretion, to exclude any user whose eligibility, identity, or transaction activity cannot be verified to Exa's satisfaction, without any obligation to state reasons.

"Qualifying Purchases" are purchases of goods or services made with the Exa Card during the Promotion Period, using either the Pay Now or Pay Later feature, that have completed settlement with the card network (the "Settled Amount").

The spend threshold is a cumulative Settled Amount of at least one hundred U.S. dollars (USD 100.00) across one or more Qualifying Purchases during the Promotion Period (the "Threshold"). Multiple smaller purchases may be combined to reach the Threshold.

The following are expressly excluded from Qualifying Purchases and do not count toward the Threshold: (a) transactions that are refunded, reversed, disputed, charged back, or cancelled, in whole or in part, at any time before the Reward is delivered; (b) cash or cash-equivalent transactions, including ATM withdrawals, cash advances, money transfers, peer-to-peer payments, purchases of cryptoassets, prepaid cards, gift cards, or stored-value products, and gambling or lottery transactions; (c) fees, interest, or installment repayments charged by Exa; (d) authorizations that are declined or expire without settlement; and (e) any transaction Exa reasonably determines was made to artificially reach the Threshold rather than for a bona fide purchase.

The Threshold is measured on the Settled Amount net of refunds. If a refund or reversal reduces an Eligible User's cumulative Settled Amount below USD 100.00, the user no longer qualifies for the Reward.

Eligible Users are ranked by the date and time at which their cumulative Settled Amount first reaches the Threshold (the "Qualification Time"). Because settlement can take several days after a purchase is authorized, the Qualification Time may be later than the date of purchase.

Each Eligible User who reaches the Threshold during the Promotion Period, subject to the Reward Cap, will receive a one-time reward of twenty U.S. dollars (USD 20.00) worth of XRP (the "Reward").

The Reward is limited to the first six hundred (600) Eligible Users by Qualification Time, corresponding to a maximum aggregate value of twelve thousand U.S. dollars (USD 12,000) (the "Reward Cap"). Once the Reward Cap is reached, no further Rewards will be granted, even if the Promotion Period has not ended and even if the user has been invited and has reached the Threshold.

Each Eligible User may earn no more than one (1) Reward, regardless of the number of Exa Cards, Uphold accounts, or purchases attributable to that person.

The Reward is denominated in U.S. dollars and delivered in XRP. The amount of XRP delivered will be determined by converting USD 20.00 at the prevailing market rate at the time Uphold executes the conversion, as described in Section 7. The USD value of the XRP received may rise or fall after delivery. Exa does not guarantee any particular XRP quantity or any future value of the Reward.

The Reward is not redeemable for cash, USDC, or any other asset, and no alternative form of reward will be offered.

After the end of the Promotion Period, Uphold will identify the Eligible Users who reached the Threshold and Exa will verify that list against Exa Card transaction records. Exa's determination is final.

Exa will fund the total value of all verified Rewards and deliver it to Uphold. Uphold will convert that amount into XRP and credit each verified Eligible User's Reward.

Rewards are expected to be credited within approximately thirty (30) days after the end of the Promotion Period. This is an estimate, not a guarantee; verification, conversion, and delivery times may vary. Exa will not be liable for delays attributable to Uphold, the card network, or blockchain network conditions.

Rewards will be credited only to the account associated with the Exa Card that made the Qualifying Purchases. Rewards cannot be redirected to another account or wallet

If, before a Reward is delivered, a Qualifying Purchase is refunded, reversed, disputed, or charged back so that the Eligible User no longer meets the Threshold, the Reward will not be delivered. If a Reward has already been delivered when that occurs, Exa reserves the right to claw back an equivalent value from the user's Exa Card account or to offset it against amounts owed to the user.

Exa reserves the right to suspend, modify, or cancel this Promotion at any time, with prior notice to Eligible Users through Uphold's communication channels or Exa's official channels. Rewards earned before the effective date of any such change will be honored.

Participation in this Promotion implies full acceptance of these Terms and Conditions. These Terms and Conditions supplement, and do not replace, the Exa Card cardholder agreement, the Exa App terms of service, and Uphold's terms of service, all of which continue to apply.

Exa shall not be liable for technical failures, service interruptions, card network or issuer outages, blockchain network congestion, or force majeure events that may affect the normal operation of the Promotion or the delivery of Rewards.

The Reward is personal and non-transferable. Eligible Users may not assign or transfer their Reward to third parties.

In the event of fraud, abuse, or conduct that Exa reasonably deems inconsistent with the spirit of this Promotion—including purchases made and subsequently refunded to meet the Threshold, transactions with merchants controlled by the user or related parties, use of multiple accounts, or any manipulation of settlement or refund timing—Exa reserves the right to disqualify the user, withhold or claw back any Reward, and, where appropriate, suspend or close the user's Exa Card account.

Nothing in this Promotion or in any related communication constitutes financial, investment, tax, or legal advice, or a recommendation to acquire, hold, or borrow against XRP or any other cryptoasset. Cryptoassets are volatile and may lose value.

The card issuer is not a sponsor of, and has no responsibility for, this Promotion.

Personal data used to determine eligibility and deliver Rewards will be processed by Exa and Uphold in accordance with their respective privacy policies. By participating, Eligible Users acknowledge that Exa and Uphold may share transaction and account data with each other for the sole purpose of administering the Promotion.

If any provision of these Terms and Conditions is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.