Lender will send an Advance Closing Confirmation that will confirm the Advance Start Date and the Applicable Rate is subject to change until confirmed by Borrower in such Advance Closing Confirmation.

Lender does not have a repayment right for Fixed Term Advances.

The Lender will be paid interest denominated in USDC.

The Borrower is not a bank and the USDC lent to Borrower is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation or by any U.S. or foreign government agency, insurance fund, person or entity. While the Borrower is regulated by the Bermuda Monetary Authority for digital asset business, the borrower is not engaged in banking and deposit taking activities and is not regulated for these purposes.

You represent that you qualify as an accredited investor in accordance with Regulation D, 506(c) of the Securities Act of 1933, as amended.