DVTR Inc.

DVTR Inc. is incorporated under the Wyoming Business Corporation Act, Wyo. Stat. Ann. §§ 17-16-101 et seq., with its registered office address at 6 Carr. 696, Suite 4a, Dorado, 00646, Puerto Rico. DVTR Inc. is a wholly-owned subsidiary of Paradiso Ventures Inc., and provides digital value transfer rails (hence the name) to our entire corporate group, through various interaffiliate and agency agreements. In the United States, DVTR Inc. operates as Balance USA and is the primary entity through which we engage clients in that jurisdiction.

DVTR is registered with the U.S. Department of the Treasury's Financial Crimes Enforcement Network (FinCEN) as an MSB with registration number 31000321863003 and holds state money transfer and virtual currency business licenses where required and as applicable, with NMLS ID 2464719.

DVTR Inc. (NMLS ID 2464719) is licensed or registered to engage in money transmission, money services activities, and/or virtual currency business, where required, in the U.S. jurisdictions listed below.

Licensing status varies by state. This disclosures page is provided for informational purposes only and subject to the terms and conditions set out in our legal disclaimer, available at balance.ca/disclaimer. Consumers are encouraged to verify current license information through the Nationwide Multistate Licensing System (NMLS) Consumer Access portal.

Consumers may submit complaints directly to DVTR by phone to +1 (833) 225-7030, email to support@balance.ca, or, if unresolved, to the applicable state regulator through the NMLS Consumer Access portal. Consumers are encouraged to contact DVTR first to attempt to resolve any complaints.

DVTR has submitted applications for money transmitter, money services business, or virtual currency business, where and as applicable, in the states of Illinois, Indiana, Oklahoma, Tennessee, Vermont, and Washington. DVTR does not currently offer regulated money transmission services to residents of the aforementioned states until licensure is approved, where required by law. Consumers may direct any questions or complaints to DVTR Inc. using the contact information above, or to the applicable state regulator through the NMLS Consumer Access portal.

Please note the following disclosures associated with virtual currency:

• Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.
• Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency.
• Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.
• Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.
• The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear.
• Any surety bond or custody account maintained by DVTR for the benefit of its Louisiana customers may not be sufficient to cover all losses incurred by Louisiana customers.
• Louisiana residents should perform research before purchasing or investing in virtual currency.
• DVTR may be required to disclose, in the ordinary course of business, customers' financial and account information to third parties such as in cooperation with our platform participants or in response to regulatory or legal requirements.

Please note the following disclosures associated with virtual currency:

• Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections, and may not be adequately covered by any private insurance carried by DVTR. You are solely responsible for maintaining adequate insurance policies for virtual currency held in custody for you by DVTR. Furthermore, DVTR does not make any promises or warranties with respect to any insurance policies they carry, and you will not be able to make any claims against any insurance policies carried by DVTR.
• You are advised that the transfer or exchange of virtual currency is irrevocable. There is no exception to the irrevocability of transfer and exchange.
• You are solely responsible for reviewing your transaction receipts and for monitoring your transaction history for any errors. If you believe that your accounts has been accessed without your authorization, that you did not authorize a particular transaction, that a transaction was incorrectly carried out, that you are not the intended recipient of a transmission, or should you have any other questions or concerns regarding DVTR's services,you must contact DVTR within twenty-four (24) hours of the incident using the contact information at the top of the page. If DVTR determines that a transaction was made in error, then DVTR may, in its sole discretion, declare the transaction null and void, in whole or in part, even if you do not agree to cancel or modify it, in which case you shall return the virtual currency or funds received in the erroneous transaction.
• Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.
• You can reach out to our platform participants to learn about your options to stop preauthorized payments, revoke authorized transfers, initiate stop-payment orders, or update the contact information on file.
• Our platform participants will provide you with confirmations and reward receipts in connection with buy, sell, reward, round up, and award transactions.