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1. Terms and Conditions for the Midnight Blue - CRYPTO.COM Prepaid Visa® Card. This document
is an agreement (“Agreement”) containing the terms and conditions that apply to the Midnight Blue –
CRYPTO.COM Prepaid Visa Card that has been issued to you by Metropolitan Commercial Bank (Member
FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are
registered trademarks of Metropolitan Commercial Bank © 2014. By accepting and/or using this Card, you
agree to be bound by the terms and conditions contained in this Agreement, which includes an Arbitration
Provision in Section 31. The “Program Manager” for the Midnight Blue – CRYPTO.COM Prepaid Visa
Card is Foris Inc. and the Customer Service telephone number is 1-888-330-4125 or the toll-free telephone
number on the back of your Card. In this Agreement, “Card” means the Midnight Blue – CRYPTO.COM
Prepaid Visa Card issued to you by the Bank, including any Physical Card and Virtual Card(each as defined
below) you may request, as permitted under this Agreement. “Card Account” means the records we maintain
to account for the value of transactions associated with the Card. “You” and “your” means the person or
persons who have received the Card and who are authorized to use the Card as provided for in this
Agreement. “We,” “us,” “our,” and “Bank” mean Metropolitan Commercial Bank, together with its
successors and assigns. “Program Manager” means Foris Inc., together with its successors and assigns. The
Card will remain the property of the Bank and must be surrendered upon demand. The Card is
nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to
applicable law. Please read this Agreement carefully and keep it for future reference.