The TxnGo Supplemental Terms for Stablecoin Services (hereinafter referred to as "These Supplemental Terms") are entered into by and between GLOBENET FOREX LIMITED (referred to as "TxnGo", "We", "Us" or "Our Company") and customers who use our stablecoin receipt and payment and merchant services (hereinafter referred to as "Customer"), constituting the special provisions between the parties concerning stablecoin services.

These Supplemental Terms are supplemental documents to the TxnGo Cross-border Receipt and Payment Service Terms and the TxnGo Global Merchant Service Terms (collectively referred to as the "Master Agreement") already signed between the Customer and Our Company. In the event of any inconsistency between these Supplemental Terms and the Master Agreement, these Supplemental Terms shall prevail. Matters not covered by these Supplemental Terms shall be governed by the Master Agreement.

By checking the box "I agree to these Supplemental Terms" and using the stablecoin services, the Customer shall be deemed to have fully read, understood and agreed to be bound by all of these Supplemental Terms.

Article I: TxnGo Account Eligibility and Account Security

Section 1.1 Account Opening Eligibility Requirements

To apply for and use a TxnGo stablecoin account/wallet (the "Account"), you must satisfy all of the following conditions: (a) be at least 18 years of age; (b) have full legal capacity to enter into these Terms; and (c) hold a valid and active TxnGo fiat currency account.

Enterprise users may use TxnGo Services solely for commercial business purposes; non-enterprise users may use TxnGo Services solely for personal, consumer and household purposes.

Section 1.2 Restricted Jurisdictions and Sanctions Compliance

If you reside or operate your business in a state/country/region where we do not provide services (a "Restricted Jurisdiction"), we reserve the right to refuse to open and provide TxnGo Services to you. We may unilaterally add or remove Restricted Jurisdictions from time to time without prior notice. We strictly comply with applicable sanctions laws and regulations of Hong Kong, the European Union, the United States and other countries and regions. If you reside in a sanctioned country or are listed on the blacklist of prohibited persons for any such country or region, we will refuse to provide services to you.

Section 1.3 Identity Verification and Submission of Personal Data

We need to collect your personal data for identity verification, account application review and service provision. Your partners may share your personal data with us with your consent, or we may collect such data directly from you. Personal data includes, but is not limited to: name, email address, residential address, mobile phone number, date of birth, taxpayer identification number, copy of government-issued photo identification (such as passport/driver's license), bank statements, crypto wallet addresses owned or controlled by you or by us, the purpose of using TxnGo Services, the source of funds for purchasing stablecoins/digital assets, and other relevant information as required by us. As required by our financial partners or applicable laws, we will retain records of your personal data. You represent and warrant that all personal data provided by you is true, accurate, complete, and will be promptly updated.

Section 1.4 Login Credentials and Account Access

You may only access your TxnGo Account using the username and password (the "Login Credentials") provided by us or our partners. We shall not be liable for any consequences arising from unauthorized access to or use of your Login Credentials or TxnGo Account by any third party, and you shall not hold us liable. We do not have access to your partner accounts and cannot retrieve or reset your Login Credentials.

Section 1.5 Responsibility and Handling of Unauthorized Operations

We shall not be liable for any unauthorized access or abnormal operations of your TxnGo Account. We will treat any suspected unauthorized access or abnormal operation as potential fraudulent activity. Upon discovering or suspecting any fraudulent activity, you must notify your partner within 24 hours. After you report to your partner, or after we or our partners independently discover suspected fraud, we and our partners shall have the right to: temporarily restrict access to your TxnGo Account, suspend all pending orders and withdrawal requests, require you to reset your Login Credentials, and take other reasonable risk control measures to protect the security of your Account.

Article II: Linked Accounts and Crypto Wallets

Section 2.1 Order Authorization and Rules for Linking Accounts and Wallets

By placing an order to buy or sell stablecoins/digital assets (an "Order") with TxnGo, you authorize us to act as your agent to execute such Order. To process an Order, you must link at least one of the following:

a bank account (the "Linked Account"): used to deposit funds to place an order and to receive proceeds from sales; or

a crypto wallet address (the "Crypto Wallet"): used to send and receive the stablecoins/digital assets you buy or sell.

Your Linked Account and Crypto Wallet must be solely owned and fully controlled by you. If we suspect any ambiguity regarding ownership, we shall have the right to suspend processing all of your Orders.

Section 2.2 AML/CFT Compliance Monitoring

As part of our compliance and risk control system (Anti-Money Laundering/Counter-Financing of Terrorism compliance mechanism), we will continuously monitor your use of your Crypto Wallet and periodically review your personal data to prevent financial crime in accordance with our financial partners' policies and procedures.

Section 2.3 Account and Wallet Monitoring Obligation

You have the sole and exclusive responsibility to monitor your Linked Account and Crypto Wallet for unauthorized access and suspicious transactions. We shall not be liable for any loss of funds resulting from unauthorized operations.

Article III: Suspension and Termination of TxnGo Account

Section 3.1 Voluntary Account Closure by User

You may apply to close your TxnGo Account at any time without giving any reason. However, if we suspect that your purpose in closing the Account is to circumvent legal requirements, law enforcement investigations or regulatory reviews, we shall have the right to refuse to close the Account. Account closure shall not affect any rights or obligations already incurred by the parties prior to closure. We will first complete all pending valid Orders by returning fiat currency to your Linked Account and transferring stablecoins to your Crypto Wallet, and will then close the Account.

Section 3.2 Our Right to Suspend/Terminate Account and Freeze Funds Unilaterally

If any of the following circumstances occur, we may, without prior notice, directly refuse to execute transactions, suspend/terminate your TxnGo Account, and freeze the funds held in your name: (a) we suspect that you have violated these Terms, AML compliance rules or applicable laws and regulations; (b) required by applicable laws, or upon receipt of a valid order from law enforcement authorities; (c) we discover suspicious transactions, unauthorized operations, theft or attempted theft of Login Credentials in connection with your Account; (d) your fiat currency account is suspended, closed, or you have lost access to your fiat currency account; (e) you no longer reside in a jurisdiction where we are authorized to provide services; (f) you fail to link at least one valid Linked Account and Crypto Wallet; or (g) you have had no Order transactions and have not accessed your Account for more than one (1) year.

Article IV: Supported Stablecoins and Digital Assets

In addition to fiat currency, we permit you to purchase stablecoins and other digital assets, and also support exchanging one type of stablecoin/digital asset for another.

We have the right to delist any type of digital asset/stablecoin at any time due to changes in asset characteristics, regulatory classification adjustments, or other reasonable grounds. If we delist an asset while an Order is being processed, we will cancel the Order and return the funds by the original payment method. If you transfer to TxnGo any asset that we do not support, such funds will be irretrievably lost, and we shall not bear any liability.

Article V: Blockchain Control, Fork Risks and Stablecoin Trading Risks

Section 5.1 Blockchain Operation and Issuer Authority

We do not operate, own or control any blockchain network, and we do not guarantee the functional integrity, security or continuous availability of any blockchain.

You assume all risks associated with purchasing and holding stablecoins.

Section 5.2 Blockchain Fork Risks

A blockchain may undergo sudden rule changes. Third parties may copy a blockchain ledger and modify its operating rules and functions (a "Fork"), resulting in multiple forked blockchains, forked stablecoins and forked digital assets. We have no control over whether we will support a Fork network or accept forked assets. A Fork may materially affect the value and functionality of the stablecoins you hold, which ultimately depends entirely on the attitude of the issuer. When a Fork occurs, we have the right to temporarily suspend all pending Orders while we assess the impact of the Fork, with or without notice to you.

Issuers typically do not support forked versions of their own stablecoins, and you may be unable to exchange forked stablecoins for fiat currency. A blockchain Fork may also result in the total or partial paralysis of network functions, and the assets you hold on the corresponding chain may become worthless or lose all value.

We have the right to choose not to support any Fork blockchain. Even if a very small number of issuers recognize a Fork, you shall have no right to claim forked asset benefits from us. It is highly likely that we and our financial partners will not support the vast majority of Fork networks. If you place an Order with us using an asset that has already been forked, we have the right to cancel the Order. If a Fork fails and funds cannot be returned, we shall have no obligation to refund.

Section 5.3 Overall Risks of Stablecoin Trading

By using TxnGo Services, you represent that you have read and fully understood the following risks:

Legal Tender Status: Stablecoins do not have legal tender status in most countries.

Stability, Valuation and Liquidity Risks: The price of a stablecoin depends on multiple factors, including the issuer's reputation, the custodian and jurisdiction of its reserve funds, the stability of the underlying blockchain, regulatory policies and other factors. In extreme circumstances, the value may become zero or may not be redeemable for fiat currency.

Cybersecurity Risks: There is a risk of hacker attacks and failure of the blockchain's immutability mechanism. Cybersecurity incidents may result in immediate, irreversible and total loss of assets. Even minor security vulnerabilities may cause devaluation or inability to redeem.

Risks Related to Issuers, Intermediaries and Custodians: Regulation of stablecoins is still evolving. Lack of regulation may result in insufficient reserves of issuers, default on redemption obligations, and such issues may not be detected in a timely manner. Service providers may experience frequent downtime and system failures, and operational risks are significantly higher than those of traditional financial institutions.

Regulatory Policy Uncertainty: In the United States, federal regulation is limited, state regulatory rules are inconsistent and enforcement standards vary, and new federal regulatory authorities may be established in the future. Policy changes will directly affect the price of stablecoins and their acceptance by merchants and users.

Technical Underlying Risks: The underlying technology of stablecoins is emerging and rapidly evolving. Loss, theft or destruction of private keys will result in permanent and irreversible loss of assets.

Article VI: Order Rules

Section 6.1 Placing Orders and Order Execution

You may only place Orders using your Login Credentials. Upon receipt of your Order instruction, we will deem that you have initiated the transaction voluntarily. All purchase Orders must be fully paid with settled funds at the time of matching and execution by us. If your Linked Account has insufficient balance, you shall not place a fiat currency purchase Order. For Orders placed to exchange digital assets/other stablecoins, we will not process the Order until we receive the assets transferred by you.

We do not guarantee that we will execute your Order, and we have the right to cancel all or part of an Order without giving any reason, including in the following circumstances: (a) the Order is placed during a period of system maintenance of TxnGo; (b) you violate these Terms or your agreement with our financial partners; (c) the asset lacks market liquidity; or (d) circumstances beyond our control occur that make performance impossible or would increase our additional costs and risks.

Section 6.2 Source of Funds, Destination of Proceeds and Transaction Limits

We will only accept Orders using funds from your own Linked Account or Crypto Wallet that you control. You are prohibited from using funds that do not belong to you to place Orders, and you are also prohibited from placing Orders on behalf of any third party. Each time you place an Order, you represent and warrant that the funds used for the transaction are legally owned by you and are not derived, directly or indirectly, from criminal or fraudulent activities.

When we receive the fiat currency, stablecoins or digital assets corresponding to an Order, ownership of such funds shall transfer to TxnGo immediately. When we transfer the proceeds of an Order to you, ownership of such assets shall transfer to you immediately upon your receipt thereof.

Proceeds from the sale of stablecoins/digital assets may only be returned to your Linked Account or Crypto Wallet by the original payment method and may not be designated for transfer to any other bank account or wallet (including other accounts held by you personally).

Section 6.3 Right of Set-off for Deficiencies

If your funds are insufficient at the time we execute an Order, we shall have the right to cancel, reverse or partially execute the Order. You shall bear all costs incurred by us as a result thereof, including on-chain miner fees and exchange fees. Any expenses incurred as a result of your voluntary cancellation of an Order before processing or our return of funds by the original payment method shall also be borne by you.

If a negative balance arises owed by you to us due to insufficient funds or refund operations, we shall have the right to: (a) charge reasonable interest on the negative balance; (b) deduct funds from your Linked Account to offset the negative balance, accrued interest and other losses; and (c) offset the negative balance using amounts we owe you for repurchased assets, assets you have purchased, or refund application amounts.

Section 6.4 Order Cancellation and Handling of Erroneous Orders

Once we have commenced processing an Order, you may not cancel it voluntarily. If you cancel an Order and fail to provide complete refund documentation, we will temporarily hold your funds in accordance with applicable laws. You have the sole responsibility to verify the accuracy of Order receipts and to self-check historical Orders for anomalies or suspected fraudulent transactions. If you do not receive an Order receipt/cancellation notice, or if the information on a receipt is incorrect, you must notify your partner within 24 hours of placing the Order/receiving the receipt. If you fail to raise any objection within the aforementioned time limit, you shall be deemed to have permanently waived your right to dispute such Order.

We have the right (but not the obligation) to identify and declare a particular Order as an erroneous order and void it.

If the amount of an erroneous order is equal to or less than 5 USD, to cover our administrative processing costs, you voluntarily waive your right to recover such funds, and ownership of such funds shall belong to TxnGo upon receipt.

If we, our affiliates, subcontractors or any third party mistakenly transfer funds to you due to blockchain failures, system technical failures, processing errors, communication errors or other reasons, you agree to immediately return such funds by the original payment method upon receiving notice from us. We shall have the right to directly deduct the amount of any mistaken payment from any subsequent amounts payable by us to you.

Section 6.5 Service Interruptions Due to System Downtime

We will take commercially reasonable measures to ensure the stable and secure operation of TxnGo Services. Due to service downtime of our partners or external factors beyond our control, service interruptions, errors, delays and other issues may occur, including planned maintenance and unexpected downtime (collectively, "Service Downtime"). During Service Downtime, TxnGo Services may be partially or completely suspended. We shall not be liable for any inconvenience or loss caused by such downtime.

Section 6.6 Compliance Transaction Controls

You shall not use TxnGo Services, by yourself or with the assistance of any third party, to engage in the following activities (the "Prohibited Activities List"): illegal or malicious activities, fraud, illegal gambling, intellectual property infringement, investment and financing credit services, check cashing, bail bond services, debt collection activities, counterfeit or unauthorized product transactions, drugs and drug paraphernalia, counterfeit controlled substances, prohibited psychoactive substances, adult pornography content and services, pyramid schemes and multi-level marketing, unfair or predatory marketing, false or misleading advertising, money services business activities, and any other business activities that TxnGo determines pose a high financial risk, legal liability risk, violation of card association rules or banking policies. We may update the Prohibited Activities List at any time and notify you in the manner set forth herein.

Upon receipt of a court subpoena, judicial order, government directive, if we suspect that a transaction involves money laundering, terrorist financing, financial fraud, other financial crimes, transaction errors, or violates the Prohibited Activities List, we shall have the right, unilaterally and without prior notice, to refuse to process, cancel, correct, reverse or charge back any purchase, sale or transfer transaction, even if the funds have already been debited from your Account. After we reverse a transaction, we shall have no obligation to reinstate or execute it at the original price or on the original terms.

Article VII: General Provisions

Section 7.1 Service Fees

We have the right to adjust our fee schedules. By placing an Order, you acknowledge and accept all fees provided to you at the time of placing the Order.

Section 7.2 Consent to Electronic Signatures and Electronic Communications

Section 7.2.1 Method of Communication Delivery

All notices and correspondence between the parties (the "Communications") shall be delivered to you by us and our partners through your partner account and your registered email address. Communications sent by us to your registered email address shall be deemed effectively delivered. If an email is returned as undeliverable, we shall have the right to suspend your access to your TxnGo Account until you provide and confirm a new valid email address.

Section 7.3 Tax Liability

All taxes and fees related to transactions shall be borne and declared by you yourself.

Section 7.4 Remedies for Breach

If you or any authorized user violates any representation, warranty, or obligation set forth in these Terms, provides false or incomplete information, or violates these Terms or the rules and regulations of us or our financial partners, we shall have the right to suspend/cancel Orders and terminate your TxnGo Account. You shall indemnify us, our affiliates and partners for all losses suffered as a result thereof. We have the right to determine the remedies for breach at our sole discretion without prior notice. If your breach involves other parties associated with your Account, you and such parties shall be jointly and severally liable for compensation. The remedies set forth in this Section do not exclude any other remedies available to us at law or in equity. Our failure to timely exercise any right under this Section or at law shall not constitute a waiver of such right, nor shall it limit our subsequent exercise thereof.

Section 7.5 Indemnification

You agree to defend, indemnify and hold harmless us, our financial partners, and each of their respective officers, directors, shareholders, partners, independent contractors, employees and agents (the "Indemnified Parties") from and against any and all losses, liabilities, attorneys' fees and related costs (collectively, "Losses") arising out of any claim, action or proceeding brought by any third party against any Indemnified Party as a result of or in connection with your breach of these Terms or your conduct arising from your use of TxnGo Services.

Section 7.6 Disclaimer of Warranties and Limitation of Liability

Section 7.6.1 Services Provided "As Is"

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TXNGO, ITS PARTNERS, AFFILIATES AND SERVICE PROVIDERS PROVIDE THE SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES. WE DO NOT WARRANT THAT THE SERVICES WILL BE MERCHANTABLE, FIT FOR A PARTICULAR PURPOSE, OR MEET ANY SPECIFIC REQUIREMENTS OF YOURS; NOR DO WE WARRANT THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, TIMELY, RELIABLE, COMPLETE OR ACCURATE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

Section 7.6.2 Scope of Liability Waiver

EXCEPT TO THE EXTENT THAT A COURT OR ARBITRAL TRIBUNAL OF COMPETENT JURISDICTION HAS FINALLY DETERMINED THAT LOSSES WERE DIRECTLY AND SOLELY CAUSED BY THE GROSS NEGLIGENCE, WILLFUL MISCONDUCT OR FRAUD OF US, OUR FINANCIAL PARTNERS, AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY LOSSES ARISING OUT OF OR IN CONNECTION WITH:

any and all operations of your TxnGo Account, purchase and sale Orders, fund transfers and use of the Services;

actions of any third party or other market participants;

system failures, Service interruptions, unauthorized access to your Account, misappropriation of assets, operational errors, governmental actions, force majeure, trading suspensions, or any other cause beyond our direct control; or

any indirect, special, incidental, punitive or consequential losses (including trading losses, loss of profits, or loss of business opportunities).

Section 7.7 Arbitration

Any dispute arising out of or in connection with these Terms which cannot be resolved through good-faith negotiation between the parties shall be submitted to the Hong Kong International Arbitration Centre (HKIAC) for arbitration in accordance with its then-effective arbitration rules. The language of the arbitration shall be English, and the seat of the arbitration shall be Hong Kong.

Section 7.8 Governing Law and Jurisdiction

These Terms and your use of TxnGo Services shall be governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of laws principles.

Section 7.9 Force Majeure

We shall not be liable for any delay in performance, failure to perform, or interruption of services directly or indirectly caused by or resulting from market volatility, acts of God, military or governmental actions, terrorist activities, civil unrest, war, strikes or labor disputes, fires, telecommunication/internet service interruptions, equipment or software failures, epidemics/pandemics, or any other event beyond our reasonable control.

Section 7.10 Assignment

We have the right to assign all of our rights under these Terms, without restriction, to any TxnGo affiliate, successor-in-interest, or any third party designated by us. If we are merged, acquired or undergo a change of control, we shall have the right to simultaneously transfer to the acquiring party all personal data collected from you. You may not assign any of your rights or authorizations under these Terms without our prior written consent, and any attempted assignment in violation hereof shall be void ab initio.

Section 7.11 Amendment of Terms

We have the right to unilaterally amend these Terms and the TxnGo Service Rules at any time. Any amendment shall become effective immediately and shall apply to all pending Orders, current and subsequent Account usage. You have the obligation to review the most current version of these Terms each time you access and use the Services. Your continued login to and use of the Services shall be deemed your acceptance of any amended terms. If you do not agree to any amendment, you must immediately close your TxnGo Account.