Terms for Adding Your Aeldra Card to a Third Party Digital Wallet

These Terms for Adding Your Aeldra Card to a Third Party Digital Wallet (the
"Terms") apply when you choose to add an Aeldra credit card, prepaid card or debit card ("Aeldra Card") to a digital wallet or other payment service managed or owned by a third party ("Wallet"). In these Terms, "you" and "your" refer to the cardholder of the Aeldra Card, and "we," "us," "our," and "Aeldra" refers to Aeldra Financial, Inc. Aeldra is not a bank. The issuer of your Aeldra Card is Blue Ridge Bank, N.A. (“Blue
Ridge”). Blue Ridge is not a party to these Terms. When you add an Aeldra Card to a Wallet, you agree to these Terms with Aeldra. These Terms do not alter or otherwise supersede the terms and agreement that
govern your Aeldra Card with Blue Ridge. In the event of any conflict between these Terms and the terms and agreement that govern your Aeldra Card with Blue Ridge, those terms and agreement shall govern.

1. Adding Your Aeldra Card.

You can add an eligible Aeldra Card to a Wallet by either following our instructions as they appear on a Aeldra proprietary platform (e.g., Aeldra Mobile app or aeldra.com) or by following the instructions of the Wallet provider. We will determine, in our sole discretion, which Cards are eligible for use through a Wallet. If your Aeldra Card or underlying account is not in good standing, that Aeldra Card will not be eligible to be added to or enrolled in the Wallet. We may determine other eligibility criteria in our sole discretion. When you add an Aeldra Card to a Wallet, the Wallet may allow you to (a) use the Aeldra Card to (i) enable transfers of money between you and others who are enrolled with the Wallet provider or a partner of such Wallet provider, and/or

(ii) enter into transactions where the Wallet is accepted, including the ability to use the Aeldra Card to complete transactions at participating merchants’ physical locations, e-commerce locations, and at ATMs;
and (b) use other services that are described in the Wallet provider's agreement or that they may offer from time to time. The Wallet may not be accepted at all places where your Aeldra Card is accepted. We reserve the right to terminate ourparticipation in a Wallet or with a Wallet provider at any time and the right to designate a maximum number of Aeldra Cards that may be added to a Wallet.

2. Your Aeldra Card Terms Do Not Change.

The terms and agreement between you and Blue Ridge that govern your Aeldra Card do not change when you add your Aeldra Card to the Wallet. These Terms are incorporated by reference into the applicable Terms of Use and product Agreements between you and Aeldra, as amended from time to time. Please review those agreements, as applicable, for important information on your rights and responsibilities when making transactions through a Wallet. The Wallet
simply provides another way for you to make purchases or other transactions with the Aeldra Card.

3. Applicable Fees.

Any applicable interest, fees, and charges that apply to your Aeldra Card or
underlying account will also apply when you use a Wallet to access your Aeldra
Card. Aeldra does not charge you any additional fees for adding your Aeldra Card to the Wallet or using your Aeldra Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers

may charge you fees. You are solely responsible for reporting and paying any applicable taxes arising from transactions originated using your Aeldra Card information
transmitted by a Wallet and you shall comply with any and all applicable tax laws in connection therewith

4. Aeldra Is Not Responsible for the Wallet.

Aeldra is not the provider of the Wallet, and we are not responsible for providing
the Wallet service to you. We are only responsible for supplying information
securely to the Wallet provider to allow usage of the Aeldra Card in the Wallet. We are not responsible for any failure of the Wallet, for any errors, delays caused by or
the inability to use the Wallet for any transaction. We are not responsible for theperformance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third-party relationships that may impact your use of the Wallet.

5. Transaction History.

You agree and acknowledge that the transaction history displayed in the Wallet
solely represents our authorization of your Wallet transaction and may not reflect complete information about the transaction, nor any post-authorization activity, including but not limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. Accordingly, the purchase amount, currency, and other details for the Wallet provider's transaction history in connection with use of
your Card in the Wallet may be preliminary and/or incomplete, and may not match the transaction amount that ultimately clears, settles, and posts to your Card's billing or monthly statement, which shall be deemed the prevailing document.

6. Contacting You Electronically and by Emailor through Your Mobile Device.

You consent to receive electronic communications and disclosures from us in
connection with your Aeldra Card and the Wallet. You agree that we can contact
you by email at any email address you provide to us in connection with any Aeldra product, service or account, or through the mobile device on which you have downloaded the Aeldra Mobile app. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.

7. Removing Your Aeldra Card from the Wallet.

You should contact the Wallet provider on how to remove an Aeldra Card from the Wallet. We can also block an Aeldra Card in the Wallet from certain transactions or
purchases at any time.

8. Governing Law and Disputes.

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Aeldra Card is covered. Disputes arising out of or relating to these Terms will be subject to any
dispute resolution procedures in your Aeldra Card agreement.

9. Ending or Changing these Terms; Assignments.

We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. Your use of an Aeldra Card in a Wallet after we have made such changes available will be considered your agreement to the changes. We will provide notice if required by law. We can also assign these Terms. Furthermore, subject to applicable law, at any time we may (i)
terminate your use of any Aeldra Card in connection with a Wallet,

(ii) modify or suspend the type or dollar amounts of transactions allowed using Aeldra Cards in connection with a Wallet, (iii) change an Aeldra Card's eligibility for use with a Wallet and/or (iv) change the Aeldra Card authentication process. You cannot change these terms, but you can terminate these Terms at any time by removing all Aeldra Cards from the Wallet. You may not assign these Terms.

10. Privacy.

Your privacy and the security of your information are important to us. Our Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice (available online at: https://www.aeldra.com/), as amended from time to time, applies to your
use of your Aeldra Card in the Wallet. You may be provided with the ability to share your Aeldra Card number with Wallet providers or a payment network, and you
agree that we may share certain of your other information with the Wallet
providers, merchants, a payment network, and others in order to provide the services you have requested, to make information available to you about your Aeldra Card transactions, and to improve our ability to offer these services. This
information helps us to add your Aeldra Card to the Wallet and to maintain theWallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you
by the Wallet provider.

11. Notices.

We can provide notices to you concerning these Terms and your use of an Aeldra Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: concierge@aeldra.com.

12. Limitation of Liability; No Warranties.

We are not and shall not be liable for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to your adding an aeldra card to a wallet, or your access oruse of a wallet. To the fullest extent permitted by law, we disclaim all representations, warranties and conditions of any kind (express,implied, statutory or otherwise, including but not limited to the warranties of merchantability and fitness for a particular purpose, title and non-infringement of proprietary rights) as to any and all wallets and all information, products and other content included in or accessible from the wallets.