AmanFi TERMS AND CONDITIONS

Age Requirement

Participation in the AmanFi platform is strictly limited to individuals who are at least 18 years of age at the time of registration. In jurisdictions where the legal age of majority exceeds 18 years, the higher age threshold shall apply. By registering for the program, participants represent and warrant that they meet the applicable minimum age requirement. AmanFi reserves the right to request age verification documentation at any time, and failure to provide satisfactory proof of age may result in immediate suspension or termination of the participant's account, with all associated benefits forfeited.

One Account Per Participant

Each individual may hold only one (1) active AmanFi account although they may hold more than one AmanFi MasterCard/Visa debt card. Registration is limited to one account per email address, per individual identity, and per device where technically enforceable. The creation of multiple accounts by the same individual for the purpose of duplicating benefits, exploiting referral bonuses, or circumventing program restrictions is strictly prohibited and constitutes a material breach of these Terms. AmanFi reserves the right to merge, suspend, or permanently terminate any duplicate accounts identified, and all benefits accumulated across such accounts may be forfeited without compensation.

Geographic Eligibility

The AmanFi program is not available to individuals residing in, or accessing the platform from, any jurisdiction where participation would be prohibited or restricted by applicable law, including jurisdictions subject to international sanctions or regulatory restrictions on digital asset activities. It is the sole responsibility of the participant to determine whether their participation is lawful in their jurisdiction of residence. AmanFi makes no representation that the program is available or appropriate for use in all jurisdictions. Participants who access the platform from a restricted jurisdiction do so at their own risk and AmanFi accepts no liability arising from such access.

Ongoing Eligibility

Eligibility is not a one-time assessment and must be maintained throughout the entire duration of program participation. AmanFi reserves the right to reassess a participant's eligibility at any time. If a participant no longer satisfies any eligibility requirement during the program, they must notify AmanFi promptly. Continued participation while ineligible constitutes a breach of these Terms and may result in immediate account termination and forfeiture of all associated benefits.

Right to Refuse or Revoke Participation

AmanFi reserves the right, in its sole and reasonable discretion, to refuse, suspend, or revoke program participation for any individual who does not meet the eligibility criteria set out in this section, provides false or misleading information during the registration or verification process, or is otherwise deemed ineligible based on AmanFi's internal compliance policies. Such decisions will be communicated to the affected participant in writing where legally permissible, and will be final subject to any rights of appeal provided under applicable law.

MAAL Coin Allocation & Staking

Upon successful payment of the D-BaaS license, participants will receive an allocation of MAAL coins equivalent in value to the license paid. The quantity of MAAL coins allocated will be determined by the prevailing MAAL token price at the time and date of the participant's confirmed purchase. AmanFi is not responsible for any fluctuation in MAAL coin value occurring after the time of allocation. All allocated MAAL coins will be automatically staked in the AmanFi staking contract upon issuance.

Lock-Up Period

All staked MAAL coins are subject to a mandatory lock-up period of five (5) years commencing from the date of allocation. During this period, participants may not withdraw, transfer, sell, pledge, or otherwise deal with their staked MAAL coins in any manner. Any attempt to circumvent the lock-up restriction may result in forfeiture of staked coins and termination of program participation.

Mining Incentives & Reward Accumulation

Mining incentives earned during the lock-up period will accumulate within the staking smart contract and will not be accessible until the lock-up period has expired. Rewards are calculated based on the MAAL token price at the time of the participant's original platform access purchase and are subject to network conditions and staking pool performance. Accumulated rewards may be claimed by the participant following the conclusion of the 5-year lock-up period, in accordance with the claim process in effect at that time.

End of Lock-Up Period

Upon expiry of the lock-up period, participants will be notified through their registered account and may initiate a withdrawal of both their staked MAAL coins and any accumulated mining incentives. AmanFi does not guarantee a specific withdrawal processing time but will use reasonable efforts to process claims promptly. Participants are solely responsible for any applicable taxes arising from the receipt or withdrawal of MAAL coins and mining rewards.

Risk Acknowledgement

By paying the D-BaaS license, participants acknowledge that MAAL coins are a digital asset subject to market volatility, that the value of staked coins and rewards may decrease significantly over the lock-up period, and that the D-BaaS license itself is non-refundable under any circumstances, including program discontinuation, except where required by applicable law.

Virtual Card Requirement

As a condition of program participation, each participant must create and maintain at least one (1) virtual card through the AmanFi platform. The virtual card must remain active for the entire duration of the participant's enrollment in the AmanFi program. Failure to maintain an active card may result in suspension or termination of program benefits until the card is reinstated.

Card Creation

A minimum USDT100.00 is required for creation of a virtual card, with the following costs deducted; Annual Card Issuance Fee $25.00 and a Top-Up Processing Fee (3.5% of USDT75.00) at the point of transaction leaving an initial card deposit balance of USDT72.37. This initial card deposit represents the spendable balance loaded onto the card at the time of creation. All fees are subject to change with reasonable prior notice to the participant.

Supported Payment Methods

Card issuance fees, card deposits, and subsequent top-ups may be funded using the following supported cryptocurrencies only:

• USDT — ERC20 (Ethereum network) and BEP20 (BNB Smart Chain network)
• MAAL — as supported on the AmanFi platform

Payments made in unsupported currencies or networks will not be processed and AmanFi accepts no liability for funds sent to incorrect networks. Participants are solely responsible for ensuring they use a supported network when making any payment. Network transaction fees (gas fees) are borne entirely by the participant and are separate from the fees outlined above.

Ongoing Top-Up Fees

A processing fee of 3.5% will be applied to all subsequent card top-up transactions, calculated on the gross top-up amount at the time of each transaction. Standard card issuance fees apply upon each new card issuance. Fee rates are reviewed periodically, and any changes will be communicated to participants no less than 14 days prior to taking effect.

Card Maintenance & Active Status

A virtual card is considered active when it holds a positive balance and has not been suspended, blocked, expired, or terminated. Participants are responsible for ensuring their card remains funded and in good standing throughout the program. AmanFi reserves the right to suspend or cancel a card in the event of suspected fraudulent activity, regulatory requirements, or a material breach of these Terms. AmanFi accepts no liability for any losses arising from card suspension or cancellation where such action was taken in accordance with these Terms or applicable law.

Staking Rewards

Eligible AmanFi Elite Node participants may receive enhanced staking incentives of up to 50% calculated over the 5-year lock-up period. Reward rates are variable and not guaranteed. Actual returns will depend on network performance, MAAL token valuation at the time of platform access purchase, and overall staking pool conditions. AmanFi makes no representation or warranty as to the minimum return, if any, that a participant will receive.

Platform Access & Feature Priority

Professional and Elite Node participants will receive priority consideration for early access to new platform features and product launches, subject to availability and AmanFi's sole discretion. Such access does not constitute contractual entitlement and may be modified or withdrawn at any time with reasonable notice.

Transaction Fee Sharing

Professional and Elite Node participants may be eligible to receive a share of transaction fees generated from card operations on the AmanFi platform. The specific fee-sharing percentage, calculation methodology, payment schedule, and eligibility conditions will be set out in a separate Fee Sharing Schedule, which forms part of these Terms. AmanFi reserves the right to adjust fee-sharing rates with 30 days' prior written notice to affected participants.

Premium Support Access

Professional and Elite Node participants will have access to dedicated premium support channels. Response times and service levels are provided on a reasonable-efforts basis and do not constitute a service level agreement unless separately agreed in writing.

Referral Bonuses & Promotional Campaigns

Participants may be eligible for referral bonuses and promotional incentives from time to time, subject to the specific terms of each individual campaign. Referral bonuses are not guaranteed, may be modified or discontinued without prior notice, and are subject to eligibility verification. AmanFi reserves the right to withhold or claw back any referral bonus obtained through fraudulent, abusive, or non-compliant activity.

General Disclaimer on Benefits

All benefits described in this section are subject to continued program participation, compliance with these Terms, and AmanFi's right to amend or discontinue any benefit with reasonable notice. No benefit described herein shall be construed as a guarantee of financial return or a representation of investment performance.

Participant Obligations

By accessing and participating in the AmanFi program, each participant agrees to comply fully with all applicable local, national, and international laws and regulations, including but not limited to those governing financial services, digital assets, anti-money laundering (AML), counter-terrorism financing (CTF), data protection, and consumer protection. Participants represent and warrant that their participation in the program does not violate any law or regulation applicable to them in their country or jurisdiction of residence.

Fraudulent Activity & Account Termination

AmanFi reserves the right to suspend or permanently terminate any participant's account upon reasonable suspicion or confirmed evidence of fraudulent, abusive, or non-compliant activity. Upon termination, the participant will forfeit all accumulated mining rewards, staking incentives, referral bonuses, and any other program benefits without entitlement to compensation or refund, except where otherwise required by applicable law. AmanFi's determination of fraudulent or illegal activity shall be made in its reasonable discretion and the participant will be notified of termination in writing where legally permissible.