Latest update: October 15, 2026

Effective date: November 1, 2026

EP Earn Conditions (the “Conditions”) set out the terms governing your access to and use of the EP Earn feature made available through the EarnPark portal (the “Platform”).

EarnPark Limited, a company incorporated under the Business Company Act of the British Virgin Islands under BVI registration number 2149760 on 28 May 2024, with registered address at Intershore Chambers, Road Town, Tortola, British Virgin Islands (hereinafter referred to as the “Company”), issues these Conditions.

For the purposes of these Conditions:

Any capitalised terms not defined in these Conditions shall have the meanings given to them in the Platform’s other governing documents, including (as applicable) the Terms of Use, applicable Strategy Conditions, Risk Statement, Privacy Policy, Cookie Policy, and Fraud and Sanctions Policy.

Earn is a feature of the Platform that enables Users to deposit supported digital assets and participate in the Strategies presented on the Platform in connection with such assets. These Conditions apply to, and govern, your access to and use of Earn, including any deposit, participation, payout, and withdrawal requests made through Earn.

Supported digital assets used in connection with Earn may be received by the Company and held in the Company’s Corporate Accounts with third-party service providers used to implement Strategies, subject to the operational rules and restrictions displayed on the Platform.

Earn is made available through the Platform as a technology-enabled feature. When you use Earn, you may transfer supported digital assets to the Company for use in connection with a Strategy you select through the Platform. The Company holds such assets in its Corporate Accounts with third-party service providers and Counterparties used to implement Strategies.

Unless the applicable Strategy Conditions expressly provide otherwise, assets and positions relating to more than one User or Strategy may be held in the same Corporate Account. A Counterparty may value collateral and apply its margin requirements, restrictions and liquidation procedures to the Corporate Account as a whole. As a result, a loss, margin requirement or liquidation relating to one asset, position or Strategy may affect other assets, positions or Strategies held in the same Corporate Account.

Strategy operations are implemented through automated systems and/or Counterparties in accordance with the Strategy parameters and operational rules displayed on the Platform and your User Instructions. The Company provides the Platform interface and technical infrastructure to facilitate this process.

EarnPark may provide technical support and general informational assistance regarding Platform functionality and how Earn operates; however, EarnPark does not provide investment advice and does not exercise discretionary control over your Strategy selection or participation parameters.

Nothing in these Conditions constitutes an undertaking by the Company to manage assets on a discretionary basis or to act as your agent, trustee, or fiduciary.

Earn presents a range of Strategies on the Platform.

EarnPark provides algorithmic evaluation and informational insights on the presented Strategies. Such evaluation is performed by code only and involves no human involvement. No assessment or description guarantees that a Strategy will operate as expected or prevent a loss.

Strategy descriptions and any informational insights (including any algorithmic assessments) are provided for general informational purposes only and do not constitute a recommendation, solicitation, or advice.

The current description and Strategy Conditions for each Strategy are made available through the Platform and/or the Company’s Help Center. They may describe the Strategy’s mechanics, use of Counterparties, collateral or borrowed assets, account arrangements, Payouts, applicable costs and material risks.

A Strategy description is a summary and does not describe every circumstance in which a loss may arise. The Strategy Conditions displayed on the Platform govern the specific commercial and operational parameters applicable to the User’s participation.

EarnPark does not provide any investment, financial, legal, tax, or other advice in connection with Earn or any Strategy.

EarnPark does not make decisions on behalf of the User regarding the User’s assets, and the User remains solely responsible for deciding whether to use Earn, choosing any Strategy, and determining the amount and timing of their deposits, participation and withdrawal requests, in each case subject to the applicable Strategy Conditions.

Following a User Instruction, the Company may receive Supported Digital Assets from the User and execute Transactions strictly in accordance with that User Instruction and the applicable Strategy Conditions, including through the products, programs or services of Counterparties. This does not constitute discretionary investment management by the Company.

Each Strategy is assigned a displayed Risk Type selected from the following categories:

Market-Neutral: the Strategy is designed to reduce direct exposure to the direction of the market through hedging or other market-neutral techniques. Market neutrality does not eliminate the risk of loss.

On-Chain: the Strategy has material exposure to on-chain protocols or DeFi infrastructure, including smart contract, protocol, liquidity and other technological risks.

Market-Exposed: the Strategy has material directional market exposure, and its results may therefore depend directly on changes in the price of one or more digital assets.

Risk Types are comparative and descriptive only. They do not measure or establish the probability or maximum amount of loss and do not constitute a regulatory, credit or investment rating, investment advice, a loss limit or a forecast of future performance. No Risk Type guarantees the preservation of capital or any return.

Risk Types are not exhaustive or mutually exclusive. A Strategy may have characteristics and risks associated with more than one Risk Type, and the displayed Risk Type does not describe every risk applicable to that Strategy. The User may lose some or all of the assets allocated to any Strategy.

Additional information concerning the risks applicable to a particular Strategy may be provided in the relevant Strategy Conditions and through the Platform or the Company’s Help Center.

The User acknowledges and agrees that participation in Earn involves significant risks, including the risk of losing some or all of the digital assets used in connection with a Strategy. Without limitation, the following risks may apply:

Market and volatility risk: digital asset markets are volatile and may move rapidly and unpredictably.

Execution and technical risk: slippage, latency, partial fills, rejected transactions, outages, maintenance, congestion, API or key failures, and data/oracle errors, and software, monitoring, operational or human errors may prevent execution or lead to unexpected outcomes.

DeFi and smart contract risk (where applicable): smart contract vulnerabilities, exploits, protocol failures, oracle manipulation, governance or protocol parameter changes, depegging or divergence between liquidity-pool assets, network failures, and bridge failures may result in loss of assets.

Counterparty and venue risk: Counterparties, exchanges, protocols, or other service providers may suspend operations, change rules, become insolvent, or suffer security incidents, which may affect payouts, withdrawals, or the return of assets. Counterparties may also change asset valuation, collateral, margin, trading or liquidation requirements or impose restrictions affecting a Strategy.

Leverage, collateral and liquidation risk: a Strategy may use derivatives, futures, borrowed assets, margin, leverage or collateral. A Counterparty may apply collateral haircuts, value collateral below its market value, change margin requirements or liquidate some or all positions when its applicable thresholds are reached. Liquidation may occur rapidly and may result in substantial or total loss, including where the relevant Strategy is designed to be market-neutral or hedged.

Hedging, funding and borrowing risk: a hedge may be incomplete, may diverge from the position it is intended to offset or may not be rebalanced in time. Funding payments, borrowing costs, transaction fees and other expenses may reduce or exceed the income generated by a Strategy.

Shared-account and cross-strategy risk: unless the applicable Strategy Conditions expressly state otherwise, assets, collateral and positions relating to multiple Users and/or Strategies may be held or operated through the same Corporate Account or collateral arrangement. A loss, margin event, restriction or liquidation affecting one position or Strategy may therefore affect other Strategies, Account Balances, Payouts or withdrawals.

Valuation, data and reconciliation risk: Account Balances, Cumulative Yield and Payouts may depend on information received from multiple systems and Counterparties. Such information may be incomplete, delayed or subsequently corrected, and amounts displayed on the Platform may be adjusted following reconciliation.

Earn relies on third parties for the implementation and operation of Strategies, including (as applicable) Counterparties such as liquidity providers, market makers, exchanges, DeFi protocols, lending services, and cross-chain bridge providers. The availability, performance, and outcomes of Earn and any Strategy may therefore be affected by third-party systems, rules, fees, suspensions, outages, security incidents, and other third-party actions or failures.

The User may enter into or become subject to separate terms, policies or agreements with a Counterparty. The Company is not a party to any such separate terms, policies or agreements, which apply independently and govern the relationship between the User and the relevant Counterparty. The existence of such a separate relationship does not affect the Company’s role in receiving Supported Digital Assets and executing Transactions strictly in accordance with the User Instructions, including through the products, programs or services of Counterparties.

To the maximum extent permitted by applicable law, and subject to the limitations of liability set out in the Terms of Use, EarnPark is not liable for losses arising solely from any act, omission, failure, unavailability, delay, outage or security incident affecting a Counterparty or its services and outside the Company’s reasonable control. This limitation does not exclude or limit liability arising from the Company’s own fraud or wilful misconduct, or any liability that cannot lawfully be excluded or limited.

Payouts, if any are made in accordance with the Payouts terms displayed for the applicable Strategy on the Platform, including the payout frequency and the method by which yield is credited to the User.

A Strategy may produce a positive, zero or negative Strategy Result. Any target, estimated, projected or historical yield or APY is provided for informational purposes only and does not guarantee any Payout or return.

Cumulative Yield, accrued Payouts and other amounts displayed on the Platform may be provisional and subject to calculation, verification and reconciliation using information received from Counterparties and other relevant sources. The Company may correct or reverse an amount that was displayed or credited on the basis of incomplete, duplicated, delayed or incorrect information, where necessary to reflect the actual Strategy Result.

EarnPark may delay or suspend the calculation, crediting or distribution of Payouts where this is reasonably necessary due to maintenance, outages, third-party disruption, risk management, compliance requirements, a pending calculation, verification or reconciliation, or other operational constraints.

11.1 Deposits / Transfer of Assets. By using Earn, the User may transfer supported digital assets to the Company for use in connection with a Strategy selected through the Platform. Assets received in connection with Earn may be held in the Company’s Corporate Accounts with third-party service providers and Counterparties used to implement Strategies, and may be subject to third-party rules, fees, technical constraints, and operational requirements.

Unless the applicable Strategy Conditions expressly provide otherwise, such assets may be held together with assets attributable to other Users or Strategies and may not be maintained in an individual or segregated account or wallet for the User.

The time at which a deposit or allocation begins to participate in a Strategy and its Strategy Result shall be determined in accordance with the applicable Strategy Conditions and the relevant Platform records. Receipt or confirmation of a transfer does not necessarily mean that the assets have immediately begun participating in the Strategy.

11.2 No Discretionary Management. Strategy operations are carried out through automated systems and/or Counterparties in accordance with the Strategy parameters and operational rules displayed on the Platform and the User’s Instructions. The Company does not exercise discretionary control over the User’s selection of Strategies or participation parameters.

11.3 Withdrawal Requests; Settlement Timing. The User may request withdrawals through the Platform in accordance with the applicable Strategy conditions and any operational rules displayed on the Platform (including any minimum amounts, lock-up periods, cooldown periods, withdrawal windows, and settlement timings). Withdrawal requests are processed on a best-efforts basis and may be subject to settlement processes, protocol rules, exchange/venue requirements, and third-party availability.

Submission of a Withdrawal Request does not fix or guarantee the Account Balance or Available Withdrawal Amount existing or displayed at the time of submission. The amount payable shall be determined on the basis of the Available Withdrawal Amount when the Withdrawal Request is processed, taking into account the actual Strategy Result and any applicable calculation, reconciliation or correction. The amount payable may therefore be lower than the amount originally displayed or requested.

If the Account Balance is adjusted before processing, the Company may require the User to confirm or resubmit the Withdrawal Request and complete any applicable authentication or security procedure.

11.4 Restrictions; Delays; Refusals. The Company may delay, limit, suspend, or refuse deposits and/or withdrawal requests where reasonably necessary due to maintenance, outages, third-party disruption, security concerns, risk management, compliance requirements (including sanctions and AML), suspected fraud, critical market conditions, insufficient liquidity, a margin event or liquidation, the need to close or unwind positions, a pending calculation or reconciliation,or other operational constraints.

11.5 Third-Party Holds / Force Events. The User acknowledges that Counterparties and third-party service providers may impose holds, freezes, suspensions, delays, or other restrictions (including due to their own compliance, risk controls, insolvency, or security incidents), which may affect deposits, withdrawals, settlement timing, Payouts, and/or the return of assets.

An Account Balance may continue to change while any hold, restriction or suspension remains in effect, and such hold, restriction or suspension does not preserve or guarantee the amount displayed when it began. Where reasonably practicable, the Company will notify affected Users of a material restriction and use reasonable efforts to complete the relevant review or process without undue delay.

EarnPark may modify, suspend, discontinue, or replace any Strategy, including its availability, parameters, supported assets, and operational conditions, Risk Type, Counterparties, collateral or borrowing arrangements, account structure, Payout mechanics, fees and costs, where reasonably necessary for operational, security, risk management, compliance, or commercial reasons. The User may stop using Earn or deactivate a Strategy at any time through the Platform, subject to any applicable settlement timing, lock-up periods, or other Strategy-specific restrictions displayed on the Platform.

The Company will provide reasonable prior notice through a Service Notice of any material change that adversely affects the User’s rights, applicable fees, withdrawal conditions or the fundamental nature or risk profile of a Strategy, unless the change must take effect immediately because of applicable law, a security concern, urgent risk-management requirements, market conditions or an action of a Counterparty.

Changes apply prospectively from their stated effective date and do not retrospectively alter rights or obligations that arose before that date. This does not prevent the subsequent calculation, reconciliation or correction of an Account Balance, Strategy Result or Payout in accordance with the Conditions and the Terms of Use.

During a suspension or discontinuation, the Company may temporarily pause deposits, withdrawals, Transactions or Payouts while it investigates the relevant circumstances, obtains information from Counterparties, closes or unwinds positions or calculates and reconciles affected Account Balances. An Account Balance may continue to change during this period, and the suspension or discontinuation does not preserve or guarantee the amount displayed when it began.

The User may submit a User Instruction to stop using Earn or deactivate a Strategy at any time, subject to applicable settlement timing, lock-up periods, liquidity, the time required to close or unwind positions and any other Strategy-specific restrictions displayed on the Platform. Deactivation does not become effective until the applicable operational and settlement processes have been completed.

Earn is not available to Users located in, resident in, or otherwise subject to the laws of any Restricted Jurisdiction, and Users must not attempt to circumvent any access restrictions (including by use of VPNs or proxies).

“Restricted Jurisdiction” means any jurisdiction where the offering, access to, or use of the Platform or the services is restricted, prohibited, or unlawful, including the following jurisdictions: Afghanistan, The Bahamas, Barbados, Botswana, Cambodia, Canada, Crimea, Ghana, Iraq, Iran, Jamaica, Myanmar/Burma, Nicaragua, North Korea, Pakistan, Syria, Trinidad and Tobago, Uganda, Vanuatu, Yemen, Zimbabwe, United Kingdom, United States.

EarnPark may require identity verification and other information for compliance purposes and may suspend or restrict access to Earn where reasonably necessary to comply with applicable laws, sanctions, anti-money laundering requirements, or internal risk controls.

The User is responsible for understanding how Earn and the selected Strategy operate, reviewing the applicable Strategy Conditions, Risk Type and material risks, monitoring their participation, and maintaining appropriate security over their devices, accounts, and any credentials used in connection with the Platform. The User is solely responsible for all financial decisions in relation to Earn, including whether to participate, which Strategy to select, and the amount and timing of any deposits or withdrawals requests.

The User must independently assess whether a Strategy is appropriate for them and whether they can bear a partial or total loss of the assets allocated to it. The User must not treat any Strategy description, Risk Type, target or estimated yield, APY or Payout as a guarantee of performance, return or preservation of capital.

The User is also solely responsible for determining and fulfilling any tax reporting or payment obligations arising from their use of Earn and any Payouts or other outcomes associated with a Strategy.

To the maximum extent permitted by applicable law and subject to the Terms of Use, EarnPark shall not be liable for any losses, damages, or claims arising solely from market movements, Strategy performance, changes in funding or borrowing costs, collateral valuation or margin requirements, liquidation, smart contract or protocol failures, or any act, omission, failure, unavailability, delay, outage or security incident affecting a Counterparty or other third party and outside the Company’s reasonable control.

A negative Strategy Result or the occurrence of a risk disclosed in these Conditions, the applicable Strategy Conditions or the Risk Statement does not, by itself, constitute a breach by the Company or require the Company to restore any loss or return the amount of assets originally allocated by the User.

Nothing in these Conditions excludes or limits the Company’s liability to the extent that a loss was caused or contributed to by the Company’s fraud or wilful misconduct, or where liability cannot otherwise be excluded or limited under applicable law.

To the extent any liability is not lawfully excluded, EarnPark’s aggregate liability shall be limited in accordance with the applicable limitation of liability provisions set out in the Platform’s Terms of Use, including any limitations and exceptions stated therein.

EarnPark may update or amend these Conditions from time to time by publishing an updated version on the Platform, and such updated Conditions will apply from the date indicated on the Platform (or, if no date is indicated, from the date of publication). These Conditions are to be read together with, and are supplemented by, the Platform’s other governing documents (including the Terms of Use, applicable Strategy Conditions, Risk Statement, Privacy Policy, Cookie Policy, and Fraud and Sanctions Policy). Updates and amendments to these Conditions are subject to the prior-notice requirements, permitted exceptions and prospective application rules in Section 12 and the Terms of Use.

By accessing or using Earn the User confirms that they have read, understood, and agree to be bound by these Conditions. These Conditions, and any amendments to them, become effective on the date stated on the Platform or, if no date is stated, on publication, subject to Section 16 and the Terms of Use. Continued use after the applicable effective date constitutes acceptance, subject to any express acceptance required by the Agreement or applicable law. Mere retention of assets while a Withdrawal Request is pending or withdrawals are restricted does not, by itself, constitute acceptance of an amendment.

EarnPark may provide support and consultations regarding the functionality of the Platform and the practical implications of the Earn process through the support channels made available on the Platform. Any such support is provided for informational purposes only and does not constitute investment, financial, legal, or tax advice.

If any provision of these Conditions is held to be invalid, unlawful, or unenforceable by a court or competent authority, that provision shall be deemed modified to the minimum extent necessary to make it enforceable (or, if that is not possible, severed), and the remaining provisions shall remain in full force and effect.

These Conditions, and any non-contractual obligations arising out of or in connection with them, shall be governed by and construed in accordance with the governing law provisions set out in the Platform’s Terms of Use, and any dispute, claim, or controversy arising out of or in connection with Earn or these Conditions shall be subject to the dispute resolution and jurisdiction provisions set out in the Terms of Use.

(a) Governing Documents; Entire Agreement. These Conditions form part of the Platform’s governing documents and apply specifically to Earn. Together with the Platform’s Terms of Use, applicable Strategy Conditions, Risk Statement, Privacy Policy, Cookie Policy, and Fraud and Sanctions Policy (each as amended from time to time), they constitute the entire agreement between the User and EarnPark in relation to the User’s access to and use of Earn, to the extent applicable. This paragraph does not supersede any separate written agreement entered into between the Company and the User. Such an agreement governs its specific subject matter, and the amendment provisions of these Conditions do not, by themselves, amend it.

(b) Order of Priority. For matters specific to a particular Strategy, the applicable Strategy Conditions shall prevail over these Conditions and the Terms of Use to the extent of any inconsistency. For matters relating to participation in Strategies that are not governed by the applicable Strategy Conditions, these Conditions prevail over the Terms of Use to the extent of any inconsistency. In all other cases, the Terms of Use shall prevail over these Conditions unless a document forming part of the Agreement expressly provides otherwise.

(c) Language. These Conditions may be made available in multiple languages for convenience. In the event of any discrepancy or inconsistency, the controlling language version specified in the Terms of Use shall prevail; if no controlling language is specified, the English version shall prevail.

(d) No Waiver. Any failure or delay by EarnPark in exercising any right, power, or remedy under these Conditions shall not operate as a waiver of that right, power, or remedy. Any waiver must be in writing and applies only to the specific instance for which it is given.

(e) Force Majeure. EarnPark shall not be liable for any failure or delay in performing its obligations under these Conditions where such failure or delay results from events beyond EarnPark’s reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, strikes, power or internet outages, governmental actions, or failures/disruptions/unavailability of third-party systems, exchanges, protocols, bridges, or other service providers.

(f) Assignment. The User may not assign, transfer, or novate any of their rights or obligations under these Conditions without EarnPark’s prior written consent. EarnPark may assign, transfer, or novate these Conditions (in whole or in part) to any affiliate or successor in connection with a corporate reorganisation, merger, acquisition, or sale of assets, or otherwise upon notice to the User by email in accordance with the Terms of Use, provided that doing so does not materially reduce the User’s rights under these Conditions.

(g) Notices and Electronic Communications. Email is the sole channel for official notices and other formal communications relating to Earn or these Conditions. EarnPark shall send such notices to the email address associated with the User’s Account, and the User shall send official notices to legal@earnpark.com, in accordance with the Terms of Use. Publication on the Platform does not replace any required email notice. The User agrees such electronic communications satisfy any legal requirement for written notice, to the extent permitted by applicable law.

(h) Survival. Provisions which by their nature are intended to survive termination or discontinuation of the User’s access to Earn shall survive, including provisions relating to risk acknowledgements, third-party dependency, limitation of liability, governing law and dispute resolution, and interpretation.

(i) Headings and Interpretation. Headings are for convenience only and do not affect interpretation. Words in the singular include the plural and vice versa, and “including” (and similar terms) means “including without limitation.”

(j) No Partnership or Agency; No Third-Party Representation. Nothing in these Conditions creates any partnership, joint venture, fiduciary relationship, or agency between the User and EarnPark. The User has no authority to bind EarnPark. EarnPark does not act as an agent, representative, trustee, or fiduciary of any Counterparty or other third party, and no Counterparty or third party is authorised to make any representation, warranty, or commitment on behalf of EarnPark.

(l) Acknowledgement of Technical Nature. The User acknowledges that Earn is a technology-enabled feature and that Strategy information, Risk Type classifications, and other materials presented through the Platform are generated and displayed through automated systems and data processing, may be affected by data quality, connectivity, third-party availability, and other technical limitations.

(m) Data and Records. EarnPark may maintain electronic records relating to the User’s use of Earn (including deposits, withdrawal requests, payouts, and Strategy selections) for operational, security, analytics, and compliance purposes. Platform records (including system logs and account history displayed on the Platform) may be used as evidence of activity and transactions in connection with Earn, unless proven otherwise.

(n) Intellectual Property. All rights, title, and interest in and to the Platform, Earn functionality, Strategy presentation, software, code, algorithms, interfaces, trademarks, and related materials are owned by or licensed to EarnPark and are protected by applicable intellectual property laws. Except as expressly permitted under these Conditions and the Platform’s governing documents, the User may not copy, modify, reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying ideas of any part of the Platform or Earn.