Invite a Friend Campaign: Terms and Conditions

1. Organiser, purpose and duration

1.1. RINTRAL TRADING, SL ("Nebeus") organises the "Invite a Friend" campaign (the "Campaign"). Its registered office is at Carrer de la Llacuna 11, 3rd floor, 08005 Barcelona, and its tax identification number (NIF) is B66096686. Nebeus is an entity subject to Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets (the "MiCA Regulation") and is authorised by the Spanish National Securities Market Commission (CNMV) to operate as a Crypto-Asset Service Provider (CASP).

1.2. The Campaign rewards Nebeus users who invite new users. It also rewards new users who register through an invitation and use Nebeus products, in accordance with these Terms and Conditions (the "Terms").

1.3. The Campaign starts on 19/10/2026 and has no end date. Nebeus may end it at any time, at its sole discretion and without prior notice, with effect from the moment it is published in the app or on the website. Termination does not affect rewards already generated or Credit already granted. Referrals made after termination are governed by any new conditions published by Nebeus or, if none are published, do not generate any reward.

Referrer. To take part as a referrer, you must:

• be a natural person, over 18 years of age and a legal resident of any country supported by the Nebeus platform;
• have an active Nebeus account with KYC verification completed;
• not be a partner, affiliate or any other equivalent figure of Nebeus. Partners and affiliates are governed by their own agreements and may not take part in this Campaign; and
• not take part in the Campaign in the course of a professional or business activity.

Referred User. To take part as a referred user, you must:

• be a natural person, over 18 years of age and a legal resident of any country supported by the Nebeus platform;
• open a new Nebeus account using the Referrer's link or code. Anyone who has or has had a Nebeus account, whatever its status, may not take part; and
• complete KYC verification and be approved by Nebeus.

2.3. Exclusions. Nebeus employees, their spouses or civil partners and their relatives up to the second degree may not take part. Anyone who has manipulated or attempted to manipulate the Campaign may not take part either.

2.4. All rewards are subject to the participant passing Nebeus's KYC and anti-money laundering checks and, where applicable, its solvency and credit risk assessments. Taking part in the Campaign does not oblige Nebeus to open an account or grant a loan.

3. How referrals work

3.1. The Referrer shares their personal invitation link or code from the Nebeus app. The referral only counts if the Referred User uses that link or code when registering. It cannot be added after registration.

Nebeus does not send communications to invited persons or access the Referrer's contact list. The Referrer will share their link only with people they know and through means that do not constitute unsolicited commercial communications.

To obtain the Level 1 and Level 2 rewards, the Referred User must reach the required exchange volume within 30 days of registering (the "Qualifying Period").

3.4. Exchange volume is accumulated from the date of registration and is counted in euros. Round trip transactions, meaning buying crypto and selling it again within the Holding Period set out in clause 6.2, do not count towards the thresholds.

Levels are completed in order. Level 1 must be completed to unlock Level 2, and Level 2 to unlock Level 3.

4.2. Level 1 and Level 2 rewards are paid in USDC to the beneficiary's Nebeus account. Once released in accordance with clause 6, they can be used or withdrawn like any other USDC balance through the means available on the platform, in accordance with Nebeus's general terms and conditions.

The Level 3 Credit is not money. It cannot be withdrawn, transferred or exchanged, and can only be used to discount origination fees in accordance with clause 5.

4.4. Each Referred User can only obtain the reward for each level once. Unless Nebeus indicates otherwise, Campaign rewards cannot be combined with other Nebeus promotions on the same transaction or loan.

5. Level 3: Credit towards the origination fee

5.1. When the Referred User reaches Level 3, Nebeus grants them a credit of 100 USDC (the "Credit"). The Credit can only be used to discount the origination fee of crypto-backed loans granted by Nebeus to the Referred User.

5.2. How it is applied. The Credit is applied automatically when the loan is disbursed. The lower of these two amounts is deducted: (a) the available Credit balance and (b) the loan's origination fee, calculated using the percentage in force on the disbursement date. If the loan is in a currency other than USDC, the Credit is converted at the exchange rate shown in the Nebeus app or website for that currency at the time it is applied. If the fee is higher than the available Credit, the Referred User pays the difference.

Minimum amount. The Credit can only be used on loans with a principal of at least €5,000 or its equivalent in another currency.

5.4. Unused balance. Any part of the Credit not used on a loan remains available for the Referred User's next eligible loan. Any balance not used within 6 months of the Credit being granted expires automatically, without compensation.

5.5. Promotional nature. The Credit is a promotional benefit governed solely by these Terms. It does not form part of the loan agreement or modify it, without prejudice to the provisions of clause 5.6 regarding its revocation: the interest rate, LTV, term, collateral and margin call and liquidation rules are always those of the loan agreement. Loans are subject to approval and to Nebeus's KYC, anti-money laundering and credit risk checks.

5.6. Revocation upon early cancellation. The Credit is granted on the condition that the loan on which it is used remains in place for at least 6 months from its disbursement. If that loan is repaid or cancelled earlier, for any reason, the benefit is revoked and the amount of Credit used on that loan becomes payable by the Referred User. Nebeus will deduct it from the settlement amount before releasing the collateral and will show it on the closing statement. This amount is not returned to the Credit balance. The terms of the loan agreement do not change.

5.7. Multiple loans. If the Referred User has used the Credit on several loans, the revocation under clause 5.6 only affects the amount used on the loan that is cancelled before 6 months. Other loans are not affected, and each counts its own 6 month period from its own disbursement.

The provisions of this clause 5 shall apply to the extent that they are compatible with applicable mandatory regulations, including consumer protection regulations and, where applicable, consumer credit regulations, and shall in no case result in a cost to the Referred User higher than that permitted by such regulations.

Level 1 and Level 2 rewards remain "pending" once the condition is met and are paid when the Holding Period ends.

6.2. Holding Period. The reward is only released if the crypto bought in the transactions that count towards the level remains in the Nebeus account for 30 days without being sold or withdrawn (the "Holding Period"). If this condition is not met, the reward is cancelled.

6.3. Limit per Referrer. Each Referrer can receive rewards for a maximum of 100 valid referrals per calendar month. Referrals above this number are not paid automatically: Nebeus may review them and decide, at its discretion, whether to pay them.

The following is prohibited:

• referring yourself, including through a second account or an account controlled by the participant or by a related person;
• creating multiple accounts or using false identities or documents;
• making referrals in which the Referrer and the Referred User share an identity document, bank account or IBAN, card, device, IP address or home address, unless Nebeus accepts it as valid after review;
• carrying out transactions for the sole purpose of reaching the thresholds, including round trip transactions;
• using bots, scripts or other automated means;
• promoting the invitation link professionally or in exchange for payment from third parties; and
• distributing invitation links through spam, paid advertising using the Nebeus brand or misleading claims about Nebeus or its products.

If Nebeus has reasonable suspicion of any of these behaviours, it may:

• disqualify the participant;
• cancel pending rewards and the Credit;
• reverse rewards already paid from the participant's balance;
• claim the amount of Credit already used;
• restrict or close the account in accordance with its general terms and conditions; and
• take any appropriate legal action.

7.3. When sharing their link, the Referrer may not present themselves as a representative of Nebeus or provide investment, financial or tax advice, or personalised recommendations on crypto-assets or crypto-asset services.

8. Taxation, data protection and risk warnings

8.1. Taxation. Each participant is solely liable for tax on the rewards and Credit received in the Campaign. They are responsible for declaring them and paying tax on them to the tax authority of their country of residence, in accordance with the regulations applicable to them. Nebeus does not provide tax advice and recommends consulting an advisor.

Where applicable, Nebeus will make any withholdings or payments on account and comply with the reporting obligations required by applicable tax regulations.

8.2. Data protection. Nebeus is the controller of the personal data processed in the Campaign. It processes such data to manage the Campaign, prevent fraud and comply with its legal obligations and, with consent, to send commercial communications. Nebeus does not show the Referred User the identity of the Referrer. The Referrer is only informed that their invitation has been used and of the rewards it has generated, without any personal or financial data of the Referred User. Data subjects may exercise their rights at dpo@nebeus.com and file a complaint with the Spanish Data Protection Agency (AEPD) (www.aepd.es).

8.3. Risk warning. This Campaign is a marketing communication and does not constitute investment advice. Crypto-assets, including stablecoins such as USDC, are volatile and are not covered by deposit guarantee or investor compensation schemes. Crypto-backed loans carry risks, including margin calls and the liquidation of collateral if its price falls.

It is important that you understand the risks associated with investing in crypto-assets. For more information, please see the following link: https://help.nebeus.com/en/legal/risk-disclosure-investment-warning

9. Changes, termination and liability

9.1. Nebeus may modify, suspend or terminate the Campaign, or change the amount of the rewards, at any time and at its discretion, by giving notice in the app or on the website. Changes do not affect rewards already generated or Credit already granted. Referrals made after a change are governed by the Terms in force on the Referred User's registration date.

Nebeus is not responsible for:

• technical failures or interruptions of the platform beyond its control;
• invitation links or codes entered incorrectly or not entered;
• delays in KYC or in the disbursement of loans beyond its control; or
• incorrect data provided by participants.

Taking part in the Campaign implies acceptance of these Terms in full. Anything not provided for here is governed by Nebeus's general terms and conditions.

10.2. These Terms are governed by Spanish law. The courts and tribunals of Barcelona shall have jurisdiction, without prejudice to mandatory consumer protection rules that grant jurisdiction to the courts of the consumer's place of residence.