SPECIFIC TERMS AND CONDITIONS – Promotion “XAU₮ Prize”

Gralcey S.A. (“Belo”), in its capacity as developer of the App, organizes the “XAU₮ Prize” promotion (the “Promotion”), which is governed by these Specific Terms and Conditions (the “Specific T&Cs”). Capitalized terms not defined herein have the meaning given to them in the App’s General Terms and Conditions (the “General T&Cs”).

The Promotion grants each Invited User who meets the condition of their option a single prize equivalent to three (3) USD₮, credited in Tether Gold (“XAU₮”) (the “Prize”). Belo grants the Prize free of charge and for commercial promotion purposes, under two independent options: Option A, for first deposit of funds, governed by clause 5, and Option B, for new transaction, governed by clause 6.

The Prize does not constitute a refund of fees, a discount on the price of the services, yield, interest, or consideration for holding funds, and it does not form part of or modify the fee schedule in force. The Promotion does not cover or modify the exchange differentials or spreads applicable to conversion transactions, or any costs charged by third parties or external networks. The right to the Prize is personal and non-transferable.

The Promotion runs from 12:00 on October 26, 2026 until 23:59 on October 31, 2026, inclusive, Argentine time (UTC-3) (the “Promotion Period”). For each Invited User, only transactions carried out from the sending of their Invitation until the end of the Promotion Period are counted. Once the Promotion Period has ended, the Promotion ceases automatically, without the need for prior notice.

Only natural persons of legal age who hold an active and validated Belo Account, who have accepted the General T&Cs, and who have received from Belo an individual communication, by email, push notification or in-App message, inviting them to participate in a specific option (the “Invitation”) (the “Invited Users”), may participate. Belo selects the recipients of Invitations according to internal activity and segmentation criteria. The publication of these Specific T&Cs, or knowledge of the Promotion by any other means, does not in itself confer the right to participate.

Each Invited User participates only in the option indicated in their Invitation and may receive only one Prize during the entire Promotion.

The following may not participate: persons whose Belo Account is suspended, paused, blocked for regulatory compliance or other reasons, subject to pending identity re-verification or in the process of being closed; employees or collaborators of Belo or of the companies in its group; and their immediate family members.

Invited Users in Option A obtain the Prize if, during the Promotion Period, they deposit funds into their Belo Account for the first time, through one or more deposits totaling an amount equal to or greater than five (5) USD₮ (“Condition A”).

A deposit of funds means the effective crediting to the Belo Account of funds or Virtual Assets coming from an account or wallet external to the App, through any of the deposit channels available in it. Credits made by Belo as prizes, bonuses, yields or other benefits do not count, nor do deposits that are cancelled, rejected, reversed or returned.

Where the deposit is made in a currency or Virtual Asset other than USD₮, its equivalent is determined according to the reference exchange rate shown in the App at the time of crediting.

Invited Users in Option B obtain the Prize if, during the Promotion Period, they carry out at least one Valid Transaction, with no minimum amount (“Condition B” and, together with Condition A, the “Condition”).

A “Valid Transaction” means any transaction ordered by the Invited User through the App and effectively completed, including the deposit of funds, the purchase, sale or conversion of Virtual Assets, the sending of money to third parties, and payments by card or QR code. The following are not considered Valid Transactions: credits made by Belo; transactions that are cancelled, rejected, reversed or returned; and transfers between Belo Accounts of the same holder or of holders under common control, direction or benefit.

The Prize is expressed as a value of three (3) USD₮. The amount of XAU₮ to be credited is determined at the time of crediting, by dividing that value by the XAU₮ reference price, expressed in USD₮ and shown in the App at that time, truncated to the eighth decimal place.

Belo credits the Prize to the Invited User’s Belo Account within five (5) business days following the end of the Promotion Period, computed according to the calendar of the Argentine Republic.

The requirements of clause 4 must be met both when the Condition is met and at the time of crediting. If, at the time of crediting, the Belo Account is paused, subject to pending identity re-verification or blocked for regulatory compliance, crediting is suspended until the situation is regularized, and the right to the Prize lapses if it is not regularized within ten (10) calendar days following the end of the Promotion Period.

XAU₮ is a Virtual Asset whose value tracks the price of gold and may rise or fall, so the value of the Prize may differ from its value when credited. Belo does not guarantee the value, price, liquidity or convertibility of XAU₮, is not responsible for the conduct of its issuer, and does not provide financial, investment, accounting or tax advice.

Belo is not liable for technical failures of third parties or for delays attributable to blockchain networks or payment service providers. Its liability is limited, in all cases, to the value of the Prize accrued and not credited for reasons attributable to Belo.

The Promotion has a total quota of one thousand six hundred fifty (1,650) Prizes. Belo may allocate part of the quota to each option and to each sending of Invitations. Prizes are awarded in the chronological order in which each Invited User meets the Condition.

Once the total quota, or the quota allocated to an option, is exhausted, the Promotion ends automatically for the affected option even if the Promotion Period has not expired, and communication of such end through the usual channels is not a condition for it to take effect. Those who meet the Condition after the quota has been exhausted acquire no right to the Prize or to any compensation.

Belo may deny or suspend the crediting of the Prize, or debit a Prize already credited, in respect of persons who: (i) use more than one Belo Account, their own or those of third parties under common control or benefit, to multiply Prizes; (ii) use the identity data of third parties; (iii) carry out transactions in circular sequence between the same parties, or transactions lacking any economic substance of their own other than obtaining the Prize; (iv) in Option A, deposit funds and withdraw them immediately, in a pattern showing that the deposit was made solely to obtain the Prize; or (v) breach the General T&Cs, the regulations on the prevention of money laundering and terrorist financing, or the identity validation procedures.

The power to debit Prizes already credited may be exercised within one hundred eighty (180) calendar days from crediting. The debit is made against the XAU₮ credited or, if the balance in that Virtual Asset is insufficient, against its equivalent in another Virtual Asset available in the Belo Account, according to the reference exchange rate shown in the App. Belo applies internal procedures for the prevention of fraud and promotional abuse and is not obliged to disclose its methodology. The User may request a review of the decision through the App’s support channels.

Belo may correct material errors in calculation or crediting, by debiting or crediting the difference and notifying the User. The powers under this clause are limited to the amount of the Prize and to participation in the Promotion, and do not affect the other services contracted.

Belo may modify, suspend or terminate the Promotion, in whole or in part and with respect to one or both options, for operational, technical, regulatory or force majeure reasons or upon detection of abuse patterns, by notifying through the usual channels. Modifications do not affect the right to the Prize of those who have already met the Condition within the available quota.

These Specific T&Cs form part of the General T&Cs, available at https://help.belo.app/es/articles/5362779-terminos-y-condiciones-generales, which are mandatory and binding and which the User declares to know and accept. In case of conflict, these Specific T&Cs prevail in all matters relating to the Promotion. Participation in the Promotion implies full acceptance of these Specific T&Cs and of the General T&Cs.