Cardholder Agreement (US)

Last Revised: 14.04.2026

Entry Payment Card Account Opening Disclosures — No Set Line of Credit


APR for Purchases	0.00%
APR for Balance Transfers	N/A
APR for Cash Advances	N/A
Paying Interest	You will not be charged interest on purchases. Payment due 21 days after billing cycle close.
Minimum Interest Charge	None
Annual Fees	Up to USD 20
ATM Withdrawal	USD 3 + 2% per withdrawal
Foreign Exchange Fee	2% of each transaction (non-USD)
Declined Transaction Fees	Up to USD 0.5 per declined transaction
Late Payment	2% of the current outstanding card balance
Over the Credit Line	None
Returned Payment	None

Military Lending Act Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In compliance with the Military Lending Act, the cost of credit for this account may not exceed an annual percentage rate of 36 percent. To hear this disclosure and for a description of the payment obligation, please call contact@entry.fi.

Agreement

This Cardholder Agreement (“Agreement”) is a binding agreement between you and the Issuer governing your use of the card account provided in connection with Entry Terminal. The Entry Card is provided in connection with your status as an Entry Terminal customer and pursuant to separate Terms and Conditions of Service available at entry.fi/legal/terminal-terms.

1. Additional Definitions

“Card” means the Entry Visa card issued to you under this Agreement, including any physical or virtual card.
“Issuer” means Third National Corporation, a Puerto Rico corporation and the issuer of the Card.
“Entry” or “Company” means Ethiq Labs Inc., the operator of Entry Terminal.
“Account” means the card account opened in your name under this Agreement.
“Supported Blockchains” means the blockchain networks supported for collateral purposes, including but not limited to Ethereum, Polygon, Optimism, Arbitrum, and such other networks as may be supported from time to time.

2. Overview of Account Agreement

This Agreement includes all Account disclosures, privacy notices, periodic billing statements, the E-Sign Consent, and all other documents incorporated by reference. Together, these documents form the complete agreement between you and the Issuer regarding your Account.

3. Account Information We Need

To open an Account, you must provide: your legal name, residential address, telephone number, date of birth, employment and income information, and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

4. Balance Categories

Your Account may have the following balance categories:

Purchases: Transactions made using your Card to buy goods and services.
Special Offers: Balances subject to promotional terms, if applicable.

5. Your Promises To Us

By using your Account, you promise to pay all amounts due, including all Fees and Interest Charges. You agree to comply with this Agreement and all applicable laws and regulations.

6. Using Your Account and Card

You may use your Card to make purchases wherever Visa is accepted, subject to your available balance and any applicable limits.
You may not use your Card for Internet gambling or any other illegal purpose.
We may reject any transaction at our discretion.
You may be required to use a PIN for certain transactions, including ATM withdrawals.
You are responsible for all authorized transactions on your Account.

7. Statements and Billing Cycles

Your billing cycle is approximately 30 days. You will receive a periodic statement at the end of each billing cycle showing your transactions, fees, interest charges, and balance.

8. Disputed Transactions

You should inspect each statement carefully and report any errors or unauthorized transactions promptly. See Section 22 (“Your Billing Rights”) for more information on how to dispute a charge.

9. Lost or Stolen Cards

If your Card is lost or stolen, notify us immediately at contact@entry.fi. Your liability for unauthorized use will not exceed $50, provided you report the loss promptly as required by applicable law.

10. Credit Limits

Your Account generally has no set credit limit, provided you maintain sufficient collateral in your linked wallets. Entry may, however, set spending limits at its discretion to manage risk.

11. Interest Charges

Interest Charges are calculated using the Average Daily Balance method (including new purchases).
If you pay your statement balance in full by the payment due date, you will benefit from a grace period and will not be charged interest on new purchases.

12. Fees

Annual Fee: Up to USD 20 per year.
Late Payment Fee: 2% of the current outstanding card balance.
Returned Payment Fee: None.
Copying Fee: USD 10 per request.
Foreign Transaction Fee: 2% of each transaction made in a currency other than US Dollars.

13. Transactions in Foreign Currencies

Transactions made in currencies other than US Dollars will be converted using the Payment Card Network’s conversion procedures in effect at the time of conversion. A Foreign Transaction Fee will apply.

14. Making Payments

You are required to make payment in full at the end of each Billing Cycle. Payments may be made through the Entry Terminal application or by such other methods as we may make available.

15. Collateral

Your Account is secured by digital asset collateral held in your linked wallets on Supported Blockchains. You acknowledge that:

The Market Value of your collateral is determined by Entry.
A Liquidation Event may occur if the value of your collateral falls below the required threshold.
Entry will provide 3 business days’ notice before liquidating collateral, where possible.
You may withdraw collateral only if sufficient collateral remains to secure your Account balance.

16. Payment Processing

We may accept and process payments on your Account. Items with restrictive endorsements or conditions may be processed without giving effect to such endorsements or conditions.

17. Credit Balances

We may reject payments that would create a credit balance on your Account. If a credit balance exists, we will refund it within 7 business days of your written request.

18. Account Default

Your Account may be considered in default if any of the following occur:

You fail to make any required payment when due.
A Liquidation Event occurs and is not cured.
You file for bankruptcy or insolvency.
You make any false or misleading statement in connection with your Account.
You cease to reside in the United States.

19. Communications

You agree that we may contact you by mail, telephone, email, fax, text message, or automated dialer at any contact information you provide, regarding your Account.

20. Credit Reports

We may provide information about your Account to credit reporting agencies. Late payments, missed payments, or other defaults may be reflected in your credit report.

21. Closing or Suspending Your Account

Either you or we may close your Account at any time. We may also suspend your Account at our discretion. You remain responsible for any outstanding balance after closure or suspension.

22. Your Billing Rights (FCBA)

Keep This Document for Future Use.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What to Do If You Find a Mistake on Your Statement:

Write to us at contact@entry.fi.
You must contact us within 60 days after the error appeared on your statement.
You must provide: your name and Account number, the dollar amount of the suspected error, and a description of the error.

What Will Happen After We Receive Your Letter:

We will acknowledge your letter within 30 days.
We will complete our investigation within 90 days (or two complete billing cycles, whichever is later).
While we investigate, you do not have to pay the disputed amount, and we cannot try to collect it or report you as delinquent.

23. Changes to Your Agreement

We may change the terms of this Agreement at any time by giving you notice as required by applicable law. Variable APRs may change as described in this Agreement.

24. Governing Law

This Agreement is governed by the laws of the Commonwealth of Puerto Rico and applicable federal law.

25. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute arising out of or relating to this Agreement shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”).
No Class Actions: You agree to resolve disputes on an individual basis only. You waive any right to participate in a class action, class arbitration, or representative proceeding.
Small Claims Exception: Either party may bring an individual action in small claims court.
No Jury Trial: By agreeing to arbitration, you waive the right to a jury trial.
Venue: Arbitration shall be conducted in Puerto Rico.