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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 (“Endl Card” or “Card”) are set forth in these Important Disclosures.

Interest Rates and Interest Charges

Interest Rates and Interest Charges 0%

Annual Percentage Rate (APR) for Purchases 0%

Your Endl Spend Card is currently Zero (0) % interest on all purchases. Issuer and Endl reserve the right to implement interest in the future, for new purchases. Endl will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Endl Card.

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 CARD TERMS.

Background

The Endl Card is provided to you on behalf of Endl in connection with your status as Endl customer and pursuant to your separate Terms and Conditions Agreement between you and Endl (the “User Agreement”). The Issuer is not a party to the User Agreement and disclaims any liability for the performance of services covered therein.

Endl has opened a Endl Account for purposes of facilitating transactions you make using a Card based on a limit established by Endl pursuant to the User Agreement. 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 Agreement, subject to the terms below. In the event of a conflict between these Card Terms and your User Agreement, these Card Terms will control.

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 support@endl.app 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 Agreement.

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 these Card Terms, 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 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 are not a United States citizen, and that you are signing up for a card that is intended for those outside of the United States.
  • You attest that you were not solicited for this Card.

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.