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

Important Disclosures

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

Effective as of Jan 10, 2025

Interest Rates and Interest Charges: 0%

Annual Percentage Rate (APR) for Purchases: 0%

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

Fees

Transaction Fee

Foreign Purchases

Penalty Fees

Terms

Background :

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

Interlace has opened a Interlace Account for purposes of facilitating transactions you make using a Card based on a limit established by Interlace pursuant to the User Terms. You understand that you have access to the Services and Interlace Card only to the extent authorized by the Interlace. You acknowledge and agree that Interlace will satisfy obligations created through your use of the Interlace Card and you will repay Partner based on the terms of your User Agreement, subject to the terms below.