These Decaf  Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you”, or “your”), Decaf Inc, and Issuer, including its affiliates, successors, and assigns (“Issuer,” “we”, “us”, or “our”) that govern your use of the Decaf Spend Cards, including the process for obtaining and managing Decaf Spend Cards, access to which is provided to you by Decaf Inc (“Decaf”).

Important Disclosures

Rates, fees, and other important information about your Decaf Spend Card (“Card”) are set forth in these Important Disclosures.

Effective as of Aug 6, 2025

Interest Rates and Interest Charges 0%

Annual Percentage Rate (APR) for Purchases  0%

Your [Partner Brand Name] Spend Card is currently Zero 0% interest on all purchases. Issuer and Decaf reserve the right to implement interest in the future, for new purchases. Decaf will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Decaf Card.

Fees

Transaction Fee

Foreign Purchases

• Foreign Exchange Fee (non USD): up to 2%

• Cross Border Fee: 0%

Penalty Fees

• Late payment: $0

• Returned payment: $0

• Liquidation penalty: $0

‍WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS.

Terms

Background :

The Decaf Card is provided to you on behalf of Decaf in connection with your status as Decaf customer and pursuant to your separate User Agreement between you and Decaf (the “User Terms”). The Issuer is not a party to the Decaf User Terms and disclaims any liability for the performance of services covered therein.