Fizen Card: 5% FiPoint Cashback Promotion Supplemental Terms

Effective: 16 June 2026

These Campaign Rules apply to the "5% FiPoint Cashback Promotion" (the "Campaign") and supplement the Fizen Promotions Master Terms, the Fizen Rewards Program Terms, the Fizen Card Terms, the Fizen Master Terms of Use and the Fizen Privacy Policy (each available at fizen.io/legal). General rules of the Program and the Platform are governed by those framework documents and are NOT repeated here. In the event of conflict, the order of precedence is: these Campaign Rules > Promotions Master Terms > Rewards Program Terms > Card Terms > Master Terms of Use.

1. Sponsor

Fizen Limited (Hong Kong).

2. Campaign Period

The Campaign runs from 00:00 UTC on 16 June 2026 and continues until Fizen suspends or ends it under the Changes and Termination clause below. Fizen does not commit to any minimum duration.

3. Eligibility

General Card-holder and Program eligibility applies (Fizen Card Terms; Rewards Program Terms; Master Terms of Use).

Geographic exclusions for this Campaign (in addition to the general exclusions): US Persons, residents of mainland China, Hong Kong retail customers. Restricted Jurisdictions identified in the Fizen Card Terms also apply.

4. Qualifying Activity and Reward Rate

During the Campaign Period, eligible Participants earn FiPoint on the net amount of eligible Fizen Card purchases as follows: five percent (5%) on purchases of USD 50 or more, and one point five percent (1.5%) on purchases under USD 50. Selected special partner programs (for example, Uber) earn up to ten percent (10%); the special rate replaces, and does not stack with, the standard rate. The applicable percentage is applied to the net purchase amount to determine the FiPoint earned (for example, a USD 100 purchase at 5% earns 5 FiPoint). FiPoint is credited per the Rewards Program Terms.

Purchases made through resellers, app-store intermediaries, gift cards, prepaid codes or any other intermediary do not qualify. Fizen determines eligibility by reference to the merchant identifier and transaction data reported by the Visa network, in its sole discretion.

Card top-ups, wallet reloads, ATM withdrawals, peer-to-peer and money transfers, currency exchange, cash-equivalent and quasi-cash transactions, cryptocurrency purchases or sales, gambling, tax and government payments are excluded. Fizen may exclude additional merchant category codes (MCCs) at its sole discretion.

The full list of restricted merchant categories that do not earn FiPoint is set out in Schedule A (MCC Restriction List): Schedule A — MCC Restriction List.

5. Net Amount

FiPoint is calculated on the net purchase amount only (gross purchase minus returns, refunds, chargebacks and adjustments). Tips, taxes, fees, and any portion of a transaction paid in promotional credit, gift cards or non-Card tender are excluded. Where a purchase is later refunded, reversed or charged back, the corresponding FiPoint is deducted and a Participant's FiPoint balance may become negative. Standard transaction exclusions in the Rewards Program Terms apply.

6. Caps

• Per-Participant Monthly Cap: Each Participant may earn and redeem up to 500 FiPoint per calendar month across Fizen’s cashback promotions (the “Monthly Cap”). The Monthly Cap resets on the first day of each calendar month. Fizen may also apply per-Friday redemption limits, which are disclosed in the Fizen app at the time of redemption.
• Happy Friday pool: Each Friday, Fizen releases a pool of gift cards for redemption under the Happy Friday program. The size of the weekly pool is set by Fizen and may vary from week to week. Gift cards are allocated on a first-come, first-served basis until that Friday’s pool is exhausted. This is a single pool shared across Fizen’s Happy Friday cashback promotions.
• One Card Account per Participant. Multi-account participation is prohibited under the Promotions Master Terms.

7. Happy Friday Redemption

On each Friday within the Campaign Period, eligible Participants may redeem FiPoint for gift cards from participating brands in the Rewards section of the Fizen app, subject to the Happy Friday weekly pool (clause 6). Each Participant may redeem up to twenty (20) gift cards per week, with a five-minute cooldown between redemptions. The weekly gift card pool refills at 13:00 UTC each Friday. The FiPoint required per gift card is disclosed in the Fizen app at the time of redemption. Gift cards are subject to the issuing brand's own terms. Happy Friday redemptions count toward the Monthly Cap in clause 6. Happy Friday does not survive suspension or termination of the Campaign.

8. About the Fizen Card

The Fizen Card is a USD prepaid Visa card funded by a Fizen-held USDT balance, as described in the Fizen Card Terms. The Card is issued by the Issuer identified in your Issuer Cardholder Agreement. The Card program is supported by StraitsX (a Singapore-licensed Major Payment Institution under the Payment Services Act 2019, and Visa principal member, with fund custody at Visa and DBS Bank) and DBS Bank Ltd (a Singapore-licensed bank). Fizen Limited is the Program Manager and is not itself a bank, e-money institution, payment institution or licensed virtual asset service provider.

9. About FiPoint

FiPoint is a promotional benefit governed by the Fizen Rewards Program Terms. FiPoint expires thirty (30) days after it is earned, on a rolling basis. The full nature, expiry, anti-abuse, forfeiture, modification and redemption rules of FiPoint (including, where eligible, redemption for a Pre-Launch $FIZEN Allocation under clause 6.4 of the Rewards Program Terms) are set out in those Terms. This Campaign rewards Participants with FiPoint earnings as set out above. FiPoint is not cash and cashback is not guaranteed.

10. Matters Governed by the Framework Documents

The following matters are governed by the framework documents and are NOT repeated in these Campaign Rules:

• Modification, suspension and termination of the Campaign, Promotions Master Terms, clause 7.
• Reward delivery, reversal and clawback (including for refunded, reversed or charged-back Qualifying Transactions), Rewards Program Terms, clause 5.
• Standard transaction exclusions (ATM withdrawals, peer-to-peer transfers, currency exchange, tax payments, gift-card and prepaid-card purchases, cash equivalents, gambling, cryptocurrency purchases and sales, structured-to-maximise-rewards transactions), Rewards Program Terms, clause 4 (paragraph 2).
• Fraud, abuse and anti-gaming (including multi-account participation, identity falsification, collusion, transaction structuring, bots and exploits), Promotions Master Terms, clause 6.
• Tax responsibility, Promotions Master Terms, clause 8.
• Privacy and data sharing, Fizen Privacy Policy and Promotions Master Terms, clause 9.
• Disclaimers and limitation of liability, Promotions Master Terms, clause 10 and Master Terms of Use, clause 14.
• Sponsor’s decisions final, Promotions Master Terms, clause 6 (final paragraph).
• Governing law and dispute resolution (Hong Kong governing law; SIAC arbitration in Singapore; class-action and jury-trial waiver), Master Terms of Use, clause 18.

11. Changes and Termination

Fizen may, at any time and in its sole discretion, change the reward rate, the eligible merchants, the size of the Happy Friday pool, the redemption mechanics and any Participant limits, and may suspend or end the Happy Friday program or this Campaign, on a prospective basis and without liability, subject to applicable law. Where reasonably practicable, Fizen will give notice through the Fizen app or website. FiPoint already credited before a change takes effect is handled under the Rewards Program Terms. This is in addition to the modification, suspension and termination rights in the Promotions Master Terms, clause 7.

12. Acceptance

By making a Qualifying Transaction during the Campaign Period, or by redeeming under the Happy Friday mechanic, you acknowledge and agree to these Campaign Rules and the framework documents referenced above.