Premium Pricing Advantage Promotion - Terms and Conditions

Uphold Premium Pricing Advantage Promotion ("Promotion") which shall begin on April 28, 2026 at 00:01 AM Eastern Daylight Time (EDT) and end on July 28, 2026 at 11:59 PM Eastern Daylight Time (EDT) ("Effective Period"), is a limited-time promotional offer available to certain eligible users, as determined by Uphold under in these Terms and Conditions (these "Terms"), to engageing more actively with the Uphold Platform Services by offering temporary, volume-based premium pricing during the Effective Period.

By participating in the Promotion you acknowledge that you have read, understood, and agree to comply and adhere to the following Terms and you agree that these Terms supplement and are made part of the User Agreement between Uphold ("Uphold", "we", "us") and you ("User Agreement") available here that governs your use of the Uphold Platform, available on Uphold.com and/or any other Uphold websites and applications, including but not limited to mobile applications (collectively, the "Platform"). Any capitalized terms not defined herein will have the meaning given to them in the User Agreement.

Any changes or amendments to these Terms will be effective as of the "Last Revised" date referred to at the top of this page. In this regard, you agree to regularly refer to these Terms and any other announcements that Uphold may make from time to time, through such communication channels as Uphold may deem fit. Uphold shall bear no responsibility whatsoever for any losses or damages of any kind that may result from the suspension, modification or early termination of this Promotion.

Eligibility

The Promotion is open to all natural persons who ("Eligible Participants"):

• are legal residents of the United States, excluding any jurisdiction where this Promotion is prohibited by law;
• are 18 or older on April 28, 2026 at 00:01 AM Eastern Daylight Time (EDT);
• are users in good standing on the Platform, who have successfully verified their identity (IDV) and completed certain Uphold "know your customer" procedures; and
• are users who Uphold believes have not actively traded in the time preceding the start of the Effective Period at a level commensurate with their past activity at Uphold. Eligibility will be at Uphold's discretion as verified using internal trade data maintained by Uphold.

Not all customers will be eligible for the Promotion, and Uphold's determination of eligibility shall be final, subject to applicable law.

Premium Pricing

Eligible Participants will be eligible for premium pricing of 75 basis point (bps) per transaction ("Preferential Pricing") throughout the Effective Period, regardless of their trading volume during that time. "Eligible Transactions" include any transaction of buying or selling XRP, BTC and/or ETH with fiat and/or stablecoins, and exclude any swaps of XRP, BTC and/or ETH with each other or other crypto currencies.

Ending of the Promotion

Upon conclusion of the Effective Period, all Eligible Participants shall automatically revert to the standard pricing in accordance with Uphold's then-current pricing schedule.

Privacy

All information provided by you and collected by Uphold in connection with your participation in the Promotion will be subject to and will be treated in a manner consistent with Uphold's Privacy Policy. By participating in the Promotion you agree that Uphold may collect and use the information provided in accordance with our Privacy Policy.

Disclosures and Disclaimers

Limited-Time Promotional Offer

This Promotion offer is made available solely during the Effective Period and Uphold reserves the right at any time to modify, amend, suspend or terminate this Promotion or to modify, amend, supplement these Terms, in its sole discretion. Uphold at its sole discretion may extend the Effective Period, change the eligibility criteria under these Terms, and/or offer different tiered pricing to its users.

No Guarantee of Future Pricing

Eligibility for this Promotion during the Effective Period does not guarantee access to similar or any other tiered pricing in the future. Upon the expiration of the Effective Period, standard retail pricing will automatically apply.

Non-Transferability

This Promotion is non-transferable and may not be assigned, sold, or otherwise conveyed to any other individual or entity.

Eligibility Determination

Eligibility for this Promotion is determined solely by Uphold based on internal trade data. Uphold reserves the right to review and verify trade history and disqualify any participant found to have misrepresented trading activity or otherwise violated applicable terms.

Compliance with Law and Platform Terms

Participation in this Promotion is subject to compliance with all applicable laws, your User Agreement, Uphold's general terms and conditions, and compliance requirements. Any suspected abuse or violation may result in disqualification from the Promotion and/or account restrictions.

No Investment Advice

This Promotion and any communication related thereto does not constitute an offer to buy or sell, or a recommendation or endorsement of, any digital asset or financial instrument. Eligible Participants are solely responsible for their trading decisions and should consult independent legal, tax, and financial advisors as needed. The Platform does not provide tax advice or documentation beyond standard transaction records. You should consult your tax advisor to understand your obligations related to any trades.

No Warranty. Limitation of Liability

Uphold shall bear no responsibility whatsoever for injuries, losses, or damages of any kind that result from participation, use or inability to use premium price. Uphold shall not be responsible for any technical or computer errors, delay or restriction of the ability for the Promotion to take place or if the premium price cannot be offered due to delays, interruptions, or failures due to acts of God, war, natural disasters, weather, acts or threats of terrorism, strikes, lockouts, labor disputes, work stoppages, fire, acts of government, or other events outside Uphold's reasonable control. Uphold shall bear no responsibility whatsoever for any losses or damages of any kind that may result from the suspension, modification or early termination of the Promotion.

Decisions of Uphold are final on all matters of fact, interpretation, eligibility, procedure and fulfillment in respect to this Promotion.

To the fullest extent permitted by applicable law, Uphold shall not be liable for any loss, damages, or expenses arising from or related to participation in this Promotion, including but not limited to technical issues, eligibility disputes, or the termination of the Promotion.

General

Except where prohibited by law, Eligible Participants agree that: (1) any and all disputes, claims or causes of action arising out or connected with the Promotion shall be resolved individually, without resort to any form of class action, and exclusively by arbitration or alternate dispute resolution, as selected by Uphold, to take place in the Marin County, California; (2) claims, judgments and awards are limited strictly to actual out-of-pocket expenses incurred during Promotion participation, excluding attorney's fees; and (3) they hereby waive all rights to claim punitive, incidental and consequential damages and any other damages arising out of participation in the Promotion, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Terms and the decisions of Uphold in connection with the Promotion, shall be governed by and construed in accordance with the laws of the State of California, without regard for conflict of laws doctrine. Should any term or provision of this paragraph or any other rule herein be concluded to be void, unenforceable or contrary to applicable law as provided herein, such term or provision shall, but only to the extent necessary to bring the rule within the requirements of such law, be deemed to be severed from the other terms and conditions; and the remainder of these Terms shall be given effect as if it had not included the severed item.

Contact

For a copy of these Terms, send a self-addressed stamped envelope to: Uphold Premium Pricing Advantage Promotion, c/o Uphold HQ Inc., 228 Park Ave. S., New York, NY 10003-1502, with a written request within one year of the Promotion close date (VT residents may omit return postage for rule requests).

The promoter of this Promotion is Uphold HQ Inc., 90 New Montgomery Street, Suite 412, San Francisco, CA 94105.