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ENDL SPEND CARD TERMS

Effective as of February 16, 2026

These Endl Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you” or “your”) and the Issuer (“we”, “us”, or “our”) that governs your use of the Endl Spend Cards, including the process for obtaining and managing Endl Spend Cards, access to which is provided to you by Zayment Finance SP ZOO (“Endl”).

Important Disclosures

PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN SECTION 16. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.

Rates, fees, and other important information about your Endl Spend Card (“Card” or “Endl Card”) are set forth in these Important Disclosures.

Fees

Transaction Fee

Foreign Purchases

  • Foreign Exchange Fee (non-USD): up to 1%
  • Cross Border Fee: up to 3%

Penalty Fees

  • Late payment: Up to $40
  • Returned payment: Up to $29

WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS.

Background

The Endl Card is provided to you on behalf of Endl in connection with your status as a Endl customer. Your relationship with Endl in connection with platform access and related services (“Services”) is governed solely by the Endl platform Terms of Service (“User Terms” or Endl User Terms”) which constitute a separate agreement between you and Endl. The Issuer is not a party to the Endl User Terms and disclaims any liability for the performance of services covered therein. In the event of a conflict between these Card Terms and your User Terms, these Card Terms will control.

Endl is providing access to a Endl Spend Account (“Account” or “Endl Account”) for purposes of facilitating transactions you make using one or more Cards for transactions up to the applicable credit limit. You understand that you have access to the Services and Endl Card only to the extent authorized by the Endl. You acknowledge and agree that Endl will satisfy obligations created through your use of the Endl Card and you will repay Endl based on the terms of your User Terms, subject to these Card Terms.

You understand that the Endl Card is not intended for personal, consumer, or household use and you agree you will only use the Endl Card for commercial or business purposes.

Details on Endl’s collection, use, and handling of your personal data are described in Endl Privacy Policy. Please review it carefully and contact Endl if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services.

Issuer

The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of February 16, 2026. This information may change after that date. To find out what may have changed, call or write the servicer, at Endl and +44 7479 377555.

Issuer reserves the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the User Terms.

Agreement

1. Accepting this Agreement & Eligibility

These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the Endl platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a Card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card.

By using a Card 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 will use the Services exclusively for purposes permitted by these Card Terms.
  • All information you provide to us, either directly or through Endl, is and will be true, correct, and complete.
  • You will not use the Endl Card for personal, family, or household use.
  • You will only use the Endl Card in compliance with applicable law.
  • You attest that you were not solicited for this product.

Governing Law

These Card 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 below must be brought in state or federal court in Puerto Rico, unless we both agree in writing to some other location, and you hereby consent to the venue and personal jurisdiction of such court.