MyProsperise Earn General Terms

Warning. Crypto-assets are extremely volatile and carry a risk of total loss of the capital invested. The return targets shown are not guaranteed and may not be achieved. Past performance is not indicative of future results. Earn products are not bank deposits and are not covered by any deposit guarantee scheme.

1. Preamble and scope

1.1. These MyProsperise Earn General Terms (hereinafter the “Earn Terms”) govern access to and use of the MyProsperise Earn investment area, accessible through the Bank / Earn selector of the MyProsperise app.

1.2. MyProsperise Earn is a service separate from MyProsperise Bank. Earn balances, positions and transactions are kept separate, both in the accounts and visually, from banking balances and transactions.

1.3. These Terms apply to all programmes offered under the Crypto Staking and Locked Earn families.

1.4. Acceptance of these Terms, of the version in force and of the UTC date of acceptance is mandatory and is recorded before any subscription.

1.5. Prosperise Capital LLP is authorised and regulated by the Financial Conduct Authority (FCA) under FRN 792154. Any reference to authorisation is strictly limited to the scope of the FCA permissions actually held and verified.

General warning: all investments involve a risk of loss of capital. The subscriber must be fully aware that the value of their investment may fall and that they may lose all or part of the sums invested.

2. Definitions

• Asset: the crypto-asset offered (ETH, SOL, DOT, ADA for Crypto Staking; BTC, USDT for Locked Earn).
• Principal capital or Principal: the amount in USDT excluding fees, which determines the tier.
• Subscription fee: a flat amount depending on the tier (5 USDT Essential, 10 USDT Advanced/Prestige).
• Tier: Essential, Advanced or Prestige, assigned automatically according to the Principal.
• Expected return (or projected return): the total percentage expected for the full duration of the programme, set at activation within the applicable range.
• Assigned rate: the individual rate set by the Administration within the range at the time of activation.
• Position: an activated contractual commitment, with principal, rate, duration and timestamps fixed.
• Activation: the UTC date and time from which the expected return begins to accrue.
• Maturity: the exact UTC date and time of maturity.
• Rewards: the quantity of the asset calculated according to the contractual formula.

3. Products and families

3.1. Crypto Staking

Eligible assets: ETH (Ethereum), SOL (Solana), DOT (Polkadot), ADA (Cardano).

3.2. Locked Earn

Eligible assets: BTC (Bitcoin), USDT (Tether USD).

BTC and USDT are under no circumstances presented as being subject to native staking through proof-of-stake consensus.

3.3. Subscription

All subscriptions are denominated in USDT.

Available networks, subject to the operational availability adopted: ERC-20 (Ethereum), BEP-20 (BNB Smart Chain), TRC-20 (TRON).

The receiving address, the exact amount and the network are fixed when the request is created and are clearly displayed.

4. Tiers, thresholds and fees

• Tier assignment is automatic and mandatory.
• Total amount requested = Principal + Fees.
• No additional exit fee is provided for in the fee schedule in force.
• Any change to fees applies only to new subscriptions and gives rise to a new version of the grid.

5. Expected return grid (version 2026-10-v2)

The percentages below represent the total expected return for the full duration of the programme.

• The applicable range depends on the combination of tier and duration.
• At activation, the Administration sets the individual rate within the range (initial proposal equal to the lower bound, unless a reasoned decision provides otherwise).
• Any assignment outside the range is rejected by the system and logged.
• After activation, the principal (in units of the asset), the rate, the duration, the activation timestamp and the contractual version are permanently fixed.

Warning: although the expected return is set at activation, all investments involve a risk of loss of capital. The subscriber may lose all or part of the sums invested.

An equivalent annual rate may be displayed purely for information, clearly described as such, and never replaces the total expected return.

6. Reward calculation formula

The quantity of the asset at any time t is calculated using the formula:

Q(t) = Q₀ × (1 + R)^(t / T)

where:

• Q₀ = initial capital in units of the asset at activation;
• R = assigned total expected return (expressed as a proportion);
• t = exact time elapsed since activation (capped at maturity);
• T = exact duration between activation and maturity.

At maturity: Q(T) = Q₀ × (1 + R) and Reward = Q₀ × R.

• Calculations are performed with a decimal precision suited to each asset.
• Timestamps are in UTC.
• No daily posting of rewards; calculation on demand.

Warning: the rewards calculated according to this formula constitute the expected return. All investments involve a risk of loss of capital. The subscriber must be aware that they may lose all or part of their investment.

7. Access and authorisations

7.1. Viewing the offers and general explanations is unrestricted.

7.2. Operational access (subscription, positions, withdrawals) requires:

• an active account;
• a “verified” KYC status;
• explicit administrative approval.

7.3. Authorisation process:

1. Request submitted by the eligible user.
2. Timestamped recording and notification to the Administration.
3. Decision to approve or refuse, logged and notified.
4. In the event of refusal, a new request is possible only 30 days after the exact timestamp of the refusal.
5. The Administration may revoke access at any time. A revocation cannot be circumvented by a new user request.

7.4. Account suspension or loss of KYC status: new transactions are automatically blocked. Existing positions are preserved and managed in accordance with the exception rules.

8. Subscription and activation

1. Choice of family (Crypto Staking or Locked Earn).
2. Selection of the asset, the Principal in USDT and the duration (6, 12, 24 or 60 months).
3. Display of the tier, the expected return range, the estimated quantity of the asset, the fees and the total amount.
4. Express acceptance of the Earn Terms (version, UTC date and request identifier recorded).
5. Presentation of the network and the transfer arrangements.
6. Validity of the request: 7 days. Cancellation possible before approval. Automatic and irreversible expiry.
7. Administrative review and decision.
8. At activation: possible update of the reference price, final determination of the quantity of the asset and of the rate within the range.
9. The expected return begins to accrue exclusively from the UTC activation timestamp, never from the date of the request.

Warning: the expected return is set at activation. All investments involve a risk of loss of capital. The subscriber may lose all or part of the sums invested.

9. Life cycle, early unlocking and closure

9.1. Ongoing

Rewards are calculated in quantities of the asset according to the contractual formula. Monitoring of performance, milestones and maturities.

9.2. Early unlocking

• Request initiated by the client, subject to an administrative decision.
• Consequence clearly displayed before confirmation: loss of 100% of the accumulated rewards if approved.
• The initial quantity of the asset is retained in accordance with the contractual rules.
• Reasoned administrative decision, timestamped, notified and logged.
• No automatic movement of funds.

9.3. Maturity and closure

• Calculation stopped exactly at the UTC maturity.
• Automatic closure if the account is active, the KYC is “verified” and access has not been revoked.
• In the event of suspension, invalid KYC or revocation: status requiring administrative review.
• No automatic renewal.
• No automatic transfer (bank or blockchain) on closure. Withdrawals remain subject to the defined administrative approval flow.

10. Risks and warnings

10.1. The expected return is set at activation within the applicable range.

10.2. All investments involve a risk of loss of capital. The subscriber must be fully aware that the value of their investment may fall and that they may lose all or part of the sums invested.

10.3. Main risks (non-exhaustive list):

• market risk and volatility of crypto-assets;
• risk of loss of capital;
• counterparty and liquidity risk;
• technical risks relating to blockchain, stablecoins and networks;
• loss of 100% of the rewards in the event of an approved early unlocking;
• regulatory risks and risk of changes to the applicable framework.

10.4. The investor acknowledges having read all the pre-contractual information and risk warnings before any subscription.

11. Notifications and communications

11.1. Notifications cover: access requests, approval or refusal decisions, subscriptions, activations, early unlockings, maturities, closures and withdrawals.

11.2. Client communications are sent in the language chosen from among the eight supported languages (French, English, German, Romanian, Dutch, Slovenian, European Portuguese, Italian).

12. Data protection and AI assistant

12.1. The processing of personal data is governed by the applicable MyProsperise Privacy Policy (GDPR or UK GDPR, as the case may be).

12.2. The MyProsperise Earn AI conversational assistant is an information tool only. It cannot carry out any subscription, approval, withdrawal or data modification action. The calculations and figures it presents come exclusively from the Earn engine and authorised server data.

13. Governing law, complaints and disputes

13.1. These Terms are governed by English law.

13.2. Any complaint must be sent in accordance with the published complaints procedure, to support@myprosperise.app.

13.3. In the event of a dispute, the competent courts of the United Kingdom have exclusive jurisdiction, subject to any mandatory consumer protection provisions that may apply.

14. General provisions

14.1. Versioning: any substantial change to the return grids, the fees or the essential rules gives rise to a new version of the Terms. Positions already activated remain governed by the version accepted at the time of activation.

14.2. Partial invalidity: if a provision is held to be void or unenforceable, the remaining provisions remain in force.

14.3. Language: in the event of a discrepancy between language versions, the English version shall prevail, unless mandatory provisions provide otherwise.

Acceptance

By ticking the acceptance box and proceeding with the subscription, the Client acknowledges having read, understood and accepted without reservation these MyProsperise Earn General Terms (version 2026-10-v2), the expected return grid, the applicable fees, the risks described (in particular the risk of loss of capital) and all the pre-contractual information.

Final warning: all investments involve a risk of loss of capital. The subscriber may lose all or part of the sums invested.

Annex 1 — Detailed risk policy

1. Purpose

This policy describes the main risks associated with subscribing to a MyProsperise Earn product. The investor acknowledges understanding that investing in digital assets involves significant risks that may result in a partial or total loss of the capital invested.

2. Market risk

Digital assets may experience high volatility. Prices may move rapidly up or down without notice. Market fluctuations may affect the value of the principal and of the expected rewards.

3. Liquidity risk

In certain circumstances, markets may have insufficient liquidity. This situation may affect the execution of orders, asset conversions and settlement times.

4. Technology risk

Investments based on blockchain infrastructure may be affected by a protocol failure, network congestion, cyberattacks, software errors or consensus events.

5. Counterparty risk

Certain transactions may require the use of exchanges, custodians, third-party service providers or liquidity providers. The failure of any of these counterparties could result in financial losses.

6. Regulatory risk

The laws applicable to crypto-assets may change. Regulatory changes may affect the operation of the product, access to certain services, taxation and the legal treatment of assets.

7. Stablecoin risk

Assets backed by a fiat currency may temporarily lose their peg, encounter liquidity problems or be subject to regulatory action.

8. No guarantee

No return displayed in MyProsperise Earn constitutes a guarantee, a promise or a firm commitment to a result.

Annex 2 — AML, KYC and illicit finance policy

Identity verification

All users must complete a full KYC process before any subscription. The documents requested may include an identity document, proof of address, proof of the source of funds and additional compliance information.

Ongoing monitoring

MyProsperise reserves the right to carry out ongoing checks on the client’s identity, account activity, financial flows and the blockchain addresses used.

Refusal or suspension

The company may refuse a request, suspend an account or block a transaction where a legal or regulatory obligation so requires.

International sanctions

No business relationship may be maintained with any person or entity that is subject to sanctions, appears on an applicable restrictions list or is identified as presenting an unacceptable risk.

Annex 3 — Data protection policy

Data collected

The categories of data may include identity, contact details, KYC data, transaction history and technical connection data.

Purposes of processing

Data is processed in order to provide the services, ensure regulatory compliance, prevent fraud and improve the platform.

Retention

Data is retained for the periods required by applicable regulation, accounting obligations and anti-money laundering obligations.

User rights

Subject to applicable regulation, the user has rights of access, rectification, erasure, restriction and portability.

Annex 4 — Return projection calculation policy

Nature of the returns displayed

The returns displayed constitute projections, assumptions and internal performance targets. They are based in particular on operational assumptions, market scenarios and internal financial models.

Not guaranteed

The projections presented do not constitute guaranteed performance, may vary significantly and may not be achieved.

Revision of assumptions

Internal assumptions may be changed at any time to take account of market conditions, incorporate new data and improve management models.

Annex 5 — Conflicts of interest policy

MyProsperise implements measures designed to identify and manage potential conflicts of interest, for example those relating to commercial interests, relationships with partners, variable remuneration or the personal holding of digital assets. Where a conflict is identified, appropriate corrective measures must be put in place.

Annex 6 — Business continuity policy

In the event of an IT incident, a cyberattack, an infrastructure failure or an exceptional event, MyProsperise implements its continuity procedures in order to ensure the preservation of data and the continuity of essential operations.

Annex 7 — Enhanced regulatory warnings

The Client expressly acknowledges that:

1. Past performance is not indicative of future results.
2. The projections displayed are based on management assumptions that may prove inaccurate.
3. Digital assets are highly speculative.
4. A total loss of the capital invested is possible.
5. Market volatility may be extreme.
6. Regulatory authorities may change the framework applicable to crypto-assets at any time.
7. No employee, affiliate, partner or representative of MyProsperise is authorised to promise or guarantee future performance.

Annex 8 — CEO statement

Our ambition is to provide investors with a transparent, structured and technologically advanced environment for accessing opportunities linked to digital assets. The return projections displayed represent performance targets established on the basis of internal assumptions and market analyses. They constitute neither a guarantee nor a promise of results. Each investor must assess their personal situation, risk tolerance and ability to bear a loss of capital before making any investment decision.

David Yuen, CEO, MyProsperise