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ENDL CARD AUTHORIZED USER TERMS

Last updated: February 16, 2026

These Card Authorized User Terms (“Authorized User Terms”) are between you (“you” or “your”), Endl (“Endl ”, “we” or “us”), and Issuer (defined below) and governs your access to and use of the Endl Card and Card Services. These Authorized User Terms are incorporated by reference into the Card Terms and Endl Terms of Service.

Definitions

“Card Services” means the ancillary services provided by Issuer and/or Endl that facilitate your use of the Endl Card and Card Account.

“Card Terms” means the Endl Spend Card Terms entered into between Company, Endl, and Issuer.

“Company” means the company that is applying for or has opened a Endl Account to use the Endl Card Services, and is providing you access to these Card Services.

“Company Administrator” means an individual at Company with the authority to grant you access to a Endl Card and Card Services.

“Endl Card” means the Spend Card made available to you by a Company Administrator and which is linked to an Account Holder’s Endl Wallet.

“User” means you, an individual authorized to use the Endl Card and Card Services on Company’s behalf.

Capitalized terms that are not defined here have the definitions provided in the Card Terms and/or Endl Agreement.

Background

The Endl Card (“Endl Card”) is a business card issued to the Company under the Card Terms. The Endl Card is issued by Third National (“Issuer”).

You understand that you have access to the Card Services only to the extent authorized, and for the sole benefit of, the Company. You understand that the Endl Card is not for personal use and that Endl does not directly provide the Card Services to you. You understand that Company is responsible for your compliance with the Endl Card Terms and that both you and Company are responsible for your compliance with this User Agreement. You acknowledge that the Company is a beneficiary of this User Agreement. You also consent to receive all communications from Endl electronically as described in the User Agreement. By using the Card Services available to you under Company’s Endl Account, you consent to and agree to this User Agreement. This User Agreement is part of, and incorporated by reference into, the Endl Card Terms and the Endl Terms of Service. You agree to abide by the terms of the Card Terms, these Authorized User Terms, the Endl Agreement, all applicable law, and Card Network rules in connection with your use of the Company’s Endl Card Account and Card Services.

Endl reserves the right to amend these Authorized User Terms or impose additional obligations or restrictions on you at any time. We will use commercially reasonable efforts to notify you in advance of any changes that impose material obligations on you. Notwithstanding the foregoing, by continuing to use the Card Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when these Authorized User Terms were last updated.

Prior to using the Endl Card and Services on behalf of the Company, you will need a Company Administrator to add you as an authorized user via the Endl platform and provide you access to the Endl Card Account.

Eligibility

By using the Endl Card and Card Services you represent and warrant in your individual capacity that:

  • You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).
  • You are an employee, contractor, or agent affiliated with and authorized to use the Endl Card and Card Services on Company’s behalf.
  • You will use the Endl Card and Endl Services exclusively for purposes permitted by the Endl Card Terms, Endl Terms of Service and the Endl Privacy Policy.
  • All information you provide to us, either directly or through a Company Administrator, is and will be true, correct, and complete.
  • You will not use the Card for personal, family, or household use.
  • You have reviewed the Card Terms, these Authorized User Terms, and the Endl Terms of Service and Endl Privacy Policy.

Access to the Endl Card and Card Services

You may access the Endl Card and Card Services only to the extent and only as long as you are authorized to do so by the Company and us. We or the Company may limit or terminate your access to any of the foregoing at any time, without notice. You agree not to circumvent or attempt to circumvent the security of the Endl Card and Card Services for any purpose, including to gain access to any services to which you are not authorized.

Electronic Signature

You acknowledge and consent to the Issuer’s E-Sign and Electronic Communications Notice.

Use of your Personal Information

To use the Card Services, you may be required to provide your personal data (including, for example, your name, email address, and date of birth) to the Company Administrator, the Company, or us. You acknowledge and agree that you have authorized the Company and/or the Company Administrator to share your personal data with Endl. You agree that you have provided the Company and/or the Company Administrator with personal data that is true, complete, and correct. We will use your personal data to – among other permitted uses under Endl’s Privacy Policy – verify your identity, verify that you are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC) and other confirm that you are eligible to use a Endl Card.

You acknowledge that you have read Endl’s Privacy Policy available at https://www.endl.io/legal/privacy-policy/ and understand how Endl may collect, use, and share your personal data. By using the Endl Card and Card Services, you agree that we may use your personal data in accordance with this User Agreement and the Endl Privacy Policy.

Use of the Endl Card and Card Services

You acknowledge and agree that you have read and understood the Endl Prohibitions available at Endl’s prohibited activities list and that you will at all times comply with the Endl Prohibitions at all times when using the Endl Card and Card Services.

You acknowledge and agree that you will not use the Endl Card and Card Services: (1) for any expense which is not a business expense incurred by you related to or for the benefit of the Company; (2) for any purpose prohibited by the Endl Terms of Service or the Card Terms; (3) for, with, or for the benefit of any individual or entity who is blocked or sanctioned by the United States, including those identified by the United States Department of Treasury’s Office of Foreign Assets Control (OFAC); or (4) for personal, family, or household use.

Security and Safeguards

You will use all reasonable means to protect your Endl Card and log-in credentials to the Endl Account from unauthorized use. You will not allow any other person or third party to use the Endl Card and Card Services. You will immediately notify Endl at support@endl.app if you know or suspect that access to your Endl Account has been compromised or if your Endl Card has been lost, stolen, or compromised in any way.

Communications

Endl has an established business relationship with the Company. You will receive notices to the email and mobile numbers provided to Endl by you or Company. These notices may include push notifications, and text or SMS messages providing information or alerts about Card Services, the Card, or transactions, and may allow you to provide information back to Endl (such as sending a receipt from a transaction). You may elect to not receive certain notices through the Endl Account, but doing so will limit the use of certain Card Services and may increase the financial risks to Company.

You are required to maintain an updated web browser and computer and mobile device operating systems to receive notices correctly. You are responsible for all costs imposed by internet or mobile service providers for sending or receiving Notices electronically. You consent to receiving notices electronically to your mobile device and understand that this consent has the same legal effect as a physical signature. If you wish to revoke this consent, please notify your Company Administrator.

Commercial Use Only

Company’s Endl Card Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-specific rules (including NACHA rules specific to consumers) do not apply to transactions on Company’s Endl Card Account or your use of the Card Services.

Suspension and Termination

Endl may suspend or terminate your access to Company’s Endl Account or the Card Services at any time and for any reason, in our sole and absolute discretion, without prior notice, including if directed by Company, Company Administrator or Issuer. In the event that the Endl Card Terms and/or Terms of Service with Company is terminated, these Authorized User Terms will immediately terminate (other than sections giving rise to continued obligations of the parties that survive termination).

Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE ENDL AGREEMENT, THE CARD TERMS, OR THESE AUTHORIZED USER TERMS AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, ISSUER, ENDL AND ALL OF ITS AFFILIATES’ LIABILITY, TAKEN TOGETHER IN THE AGGREGATE, ARISING OUT OF OR RELATED TO THESE AUTHORIZED USER TERMS, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER THEORY OF LIABILITY, SHALL REMAIN SUBJECT TO THE LIMITATION OF LIABILITY SECTION OF THE ENDL TERMS OF SERVICE AND ANY REFERENCE IN SUCH SECTION TO THE LIABILITY OF A PARTY MEANS THE AGGREGATE LIABILITY OF THAT PARTY AND ALL OF ITS AFFILIATES UNDER THE AGREEMENT.

Dispute Resolution

You acknowledge and agree to the Dispute Resolution Provisions (Sections 18 and 19) of the Card Terms. These provisions may require you to arbitrate any disputes with Issuer and/or Endl arising out of or relating to these Authorized User Terms in an individual arbitration and not a class arbitration. It also includes a waiver of any right to trial by jury or judicial proceedings, including class actions and class proceedings, in connection with claims arising out of these Authorized User Terms. PLEASE REVIEW THE DISPUTE RESOLUTION PROVISIONS OF THE CARD TERMS CAREFULLY.

Governing Law

These Authorized User Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section above must be brought in state or federal court in Puerto Rico, unless we both agree to some other location, and you hereby consent to the venue and personal jurisdiction of such court.