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Nexo General Fee Schedule

I. General

Client's use of the Nexo Services may be subject to certain fees collected by Nexo, as listed in the present Nexo General Fee Schedule ("Fee Schedule"), as indicated on the Nexo Platform and in your Nexo Account, or otherwise agreed upon, which may include third-party fees but are always exclusive of any taxes. Third-party fees may not always be calculated in advance, may be separately charged, are out of Nexo's control and are payable to the relevant third-party service provider. The Clients are solely responsible for paying all fees, including all separately charged third-party fees, as they may be changed at any time at Nexo's sole and absolute discretion and without notice.

Unless stated otherwise, references shall be made to Nexo's terms and conditions governing the relevant Nexo Service ("Terms"), and all terms used and not defined in this Fee Schedule shall have the same meaning as the one given to them in the Terms.

II. Topping-up Service

1. Bank Transfers in USD, EUR or GBP

Digital Asset purchases through the SWIFT payment systems shall be subject to the fees as shown on the Nexo Platform before the Client confirms the Order in relation to the corresponding currency.

2. Buy with Card

2.1. Debit or credit cards denominated in USD, EUR or GBP

When Clients purchase Digital Assets using their debit or credit card issued in USD, EUR or GBP, a fee of, applies, as shown on the Nexo Platform before the Client confirms the Order, shall apply.

2.2. Debit or credit cards issued in currencies other than USD, EUR or GBP

All card transfers in currencies other than USD, EUR or GBP will be converted to USD and used for the purchase of Digital Assets. In this case a conversion fee calculated and displayed on the Nexo Platform before the Client confirms the Order shall be applied. Additional fees for online card purchases and currency conversion may be charged depending on the card issuer's policy, which are independent of Nexo's fee and are outside of our control.

III. Transfer Service

All internal (off-chain) Digital Asset transfers between Nexo Accounts are unlimited and free of charge. Such Digital Asset transfers do not affect the Client's free monthly crypto withdrawals.

IV. Withdrawal Services

1. Withdrawal to External Wallet

1.1. Fixed-fee Withdrawals

For on-chain withdrawals of Digital Assets to an external Digital Asset Wallet, Clients pay a fixed fee for the networks and Digital Assets listed in the table below, unless they are in the Gold or Platinum loyalty tiers. All fees are denominated and charged in kind.

1.2. Dynamic-fee Withdrawals

For on-chain withdrawals over the following networks, clients pay a dynamic fee, except in cases where they are eligible for free on-chain withdrawals: BTC, Ethereum, Celestia, BNB Smart Chain, or USDT withdrawals over Tron. The dynamic on-chain withdrawal fee depends on the current conditions, fluctuations of the respective blockchain network activity and optimization of transactions' broadcasting.

Platinum tier Clients have one free withdrawal per month that can be either used for Digital Asset withdrawal or bank withdrawal. If used for Digital Asset withdrawal, the Client will not be charged the dynamic fee. Once the free withdrawal limit is reached, Clients will be automatically charged the respective dynamic fee until their monthly limit is reset.

2. Withdrawal to Personal Credit and Debit Cards

When Clients withdraw the fiat equivalent of certain Digital Assets available in their Nexo Account to their personal debit or credit cards, the third-party calculated and displayed on the Nexo Platform before the Client confirms the Order shall be applied.

3. Withdrawal to Bank Account

Platinum tier Clients have one free withdrawal per month that can be either used for Digital Asset withdrawal or bank withdrawal. Once the free withdrawal limit is reached, Clients will be automatically charged a fee until their monthly limit is reset. If used for a bank withdrawal, the Client will have a free withdrawal over SWIFT, SEPA, ACH, Fedwire, or FPS payment systems.

When Clients withdraw the fiat equivalent of certain Digital Assets available in their Nexo Account to their personal bank accounts, the fees displayed on the Nexo Platform before the Client confirms the Order shall apply.

Additional third-party fees may apply according to the Client's bank policy.

4. Withdrawal through Local Payment Methods

When Clients withdraw the fiat equivalent of certain Digital Assets available in their Nexo Account through a local payment method, a processing fee may apply, as shown on the Nexo Platform before the Client confirms the Order. In addition, a conversion fee of 2.5% to 4% shall apply, depending on the currency and the payment method. Depending on the country, additional taxes may apply, which are independent of Nexo's fee and are outside of our control.

V. Nexo Exchange Service

When executing an Exchange Transaction, Nexo applies a spread included in the Exchange Price, which is based on market volatility, fees imposed by third-party liquidity providers, and the liquidity of the Digital Asset, among other factors. Certain Trading Pairs, as indicated on the Nexo Platform, may necessitate multiple Exchange Transactions, whereas each separate Exchange Transaction will be subject to the spread.

1. Instant Orders and Limit Orders

All Instant Orders and Limit Orders with fiat equivalent between USD 10 and USD 100 are subject to a flat fee of USDx 0.99, and those with fiat equivalent exceeding USD 100 up to USD 250 - to a flat fee of USDx 1.99.

2. Crypto Basket

When placing an Order for a Crypto Basket, the flat fee as per Art. V.1. of this Fee Schedule applies, while each separate Exchange Transaction is subject to the respective spread.

3. Small Balances

When placing an Order to convert small balances to NEXO Tokens, each separate Exchange Transaction is subject to the respective spread.

VI. Nexo Crypto Credit

1. Crypto Credit Voluntary Repayment Fee

In case the Client makes a voluntary repayment, Nexo charges the following voluntary repayment fees:

¹ Voluntary repayment of the Nexo Crypto Credit includes an Exchange Transaction of the Digital Assets used, while the respective spread as per Art. V.1. of this Fee Schedule shall apply accordingly and be added to the above voluntary repayment fee. The spread as per Art. V.1. of this Fee Schedule shall not apply to voluntary repayments in EURx, GBPx and USDx.

2. Crypto Credit Liquidation Fee

In case of loan repayments resulting from liquidation, the following liquidation fees apply, based on the type of Digital Assets being liquidated:

¹ The threshold is determined by a myriad of factors, including volatility, market conditions and liquidity.

Repayment by liquidation of the Nexo Crypto Credit includes an Exchange Transaction of the Digital Assets used. The respective spread as per Art. V.1. of this Fee Schedule shall apply accordingly and be added to the above liquidation fee.

3. Crypto Credit Early Repayment Fee

If a partial or full repayment is made within 45 calendar days of the last withdrawal of a Nexo Crypto Credit, for the remainder of the 45-day period the repayment amount is charged at the standard rate applicable for the Base loyalty tier Clients, regardless of the actual loyalty tier of the Client at the moment of repayment.

All Nexo Crypto Credits requested via the Straight Arrow Card do not initiate, extend or renew the 45-day early repayment period. Should any full or partial repayment of such credits occur within the 45-day period, an Early Repayment Fee will apply as described in the preceding paragraph.

VII. Straight Arrow Card

Both physical and virtual Straight Arrow Cards have no monthly, annual, or inactivity fees.

1. Foreign Exchange Fee

For Straight Arrow Card transactions where the transaction currency differs from the currency of the Straight Arrow Card Clients will be charged the following foreign exchange fees:

• ЕЕА/UK/CH: 0.2%
• RoW:2%

During weekends the foreign exchange fees stated above are increased with additional 0.5%, as follows:

• ЕЕА/UK/CH: 0.7%
• RoW:2.5%

Weekends are considered depending on the time of the year: 9:00 PM Friday UTC to 10:00 PM Sunday UTC (second Sunday in March till first Sunday in November), 10:00 PM Friday UTC to 11:00 PM Sunday UTC (first Sunday in November till second Sunday in March).

2. ATM Withdrawal

Depending on Clients' loyalty tier, each month they can enjoy free ATM withdrawals as follows:

For Straight Arrow Cards issued in EUR or GBP:

• Base: EUR 200 / GBP 180
• Silver: EUR 400 / GBP 360
• Gold: EUR 1,000 / GBP 900
• Platinum: EUR 2,000 / GBP 1,800

For Straight Arrow Cards issued in USD:

• Base: 150 USD
• Silver: 300 USD
• Gold: 600 USD
• Platinum: 2000 USD

Once Clients reach the above free withdrawal limits for the respective month, they will be charged a 2% fee over the withdrawn amount, but not less than EUR 1.99/1.99 GBP, until their monthly limit resets.

Nexo Crypto Credits and Exchange Transactions, requested or executed via the Straight Arrow Card, are subject to the fees generally applicable with respect to Nexo Crypto Credits and Exchange Transactions, envisaged in Art. V.1., Art. VI.1 and Art. VI.2. of this Fee Schedule.

VIII. Nexo Booster

Three different fee tiers are determined by the LTV of the Client's Credit Wallet after granting a Nexo Crypto Credit and executing an Exchange Transaction to facilitate the Nexo Booster, which will be added to the outstanding Nexo Crypto Credit.

The fees are as follows:

• < 50% LTV: 1%;
• 50-60% LTV: 2%;
• > 60% LTV: 3%.

The Interest rates and fees applicable to the Nexo Crypto Credit under Art. VI, respectively to the Nexo Exchange Service under Art. V, of the present Fee Schedule, apply to the Nexo Booster accordingly.

IX. Incorrectly Sent Digital Assets Fee

For recovery of incorrectly sent Digital Assets via networks other than BNB Smart Chain (BSC), if such recovery is technically possible, Nexo charges the following fees:

• USD 50 flat fee for transfers with fiat equivalent of up to USD 500;
• 10% fee for transfers with fiat equivalent of up to USD 100,000;
• 7.5% fee for transfers with fiat equivalent of up to USD 1,000,000;
• 5% fee for transfers with fiat equivalent of over USD 1,000,000.

For recovery of incorrectly sent Digital Assets via BNB Smart Chain (BSC) network, if such recovery is technically possible, Nexo charges a 20% fee (minimum of USD 50) on the recovered amount.