Neev Technologies operates as Neev platform which allows you to create and maintain an Account, which, together with the Third Party Services, allows you to buy, receive, hold and transfer funds in virtual currency in accordance with the terms of this User Agreement(the “Neev Services”).   Deposits. The Neev Platform allows you to link  your bank account and complete deposits into your Account via automated     clearing house (“ACH”)  transfer.  When you complete a “deposit” from your bank account into  your Account, you are exchanging your U.S. Dollars (or other supported fiat currency) for USDC through a Third Party Provider which will then be  credited to your Account balance (a “Deposit”).  Following a Deposit, your Account may not be credited for  up to five (5) business days so that the transfer from your bank account has time to process.  The name on any linked bank account you use for  Deposits must match the name associated with your Account.

Recurring Deposits. You may initiate recurring deposits into your Account, in which case you authorize us to initiate recurring     electronic payments in accordance with your selected amount, such as     recurring ACH debit entries from your linked bank account, or direct     deposits from your payroll provider (“Recurring     Deposits”). Your recurring transactions will occur in     identical, periodic installments, based on your period selection (e.g.,     daily, weekly, monthly), until either you or Neev cancels the recurring     order. If you select a U.S. bank account as your payment method for a     recurring transaction, and such transaction falls on a weekend or holiday,     or after bank business hours, the ACH credit or debit will be executed on     the next business day. If your bank is unable to process any electronic     ACH debit entry, we will use commercially reasonable efforts to notify you     of cancellation of the transaction and notify you of your options to try     again or otherwise work with your bank.

‍Alternative Deposit Methods. Neev may also support deposits via alternative methods such as wire transfer or virtual currency transfer in its sole discretion. Withdrawals. The Neev Platform allows you to link your bank account and complete withdrawals from your Account via ACH transfer.  When you complete a “withdrawal” from your Account to your    bank account, you are exchanging your USDC for U.S. Dollars through a Third     Party Provider, which will then be transferred to your linked bank account     (a “Withdrawal”).  Following a Withdrawal, your Account will immediately be     debited for the amount of the Withdrawal, but your bank account may not be     credited for up to five (5) business days so that the transfer to your     bank account has time to process.  Once Neev has initiated a Withdrawal following your instructions the timing of the availability in     your bank account may be further delayed by your bank.  The name on     any linked bank account you use for Withdrawals must match the name associated with your Account.

Transaction Processing. You cannot cancel, reverse, or change any Deposit, Recurring     Deposit or Withdrawal (each, a “Transaction”) once submitted and marked as complete or pending. If your     Transaction is not successful for any reason, if your payment method has     insufficient funds, or if you reverse a payment made from funds in your     bank account, you authorize Neev, in its sole discretion, either to cancel     the transaction or to debit your other payment methods, including your     Account balance or other linked accounts, in any amount equal to the     Transaction amount. You are responsible for maintaining an adequate     balance and/or sufficient credit limits in order to avoid overdraft,     non-sufficient funds (NSF), or similar fees charged by your bank account     or payment provider. We reserve the right to refuse to process, or to     cancel or reverse, any Transaction in our sole discretion, even after     funds have been debited from your account(s), if we suspect the     Transaction involves (or has a high risk of involvement in) money     laundering, terrorist financing, fraud, or any other type of financial     crime; in response to a subpoena, court order, or other government order;     if we reasonably suspect that the Transaction is erroneous; or if we     suspect the Transaction or your actions on the Neev Platform violate this     User Agreement.

‍Holding an Account Balance. The Neev     Platform allows you to maintain an Account balance for the purpose of     completing subsequent Transactions or Payments  and earning Rewards.   Third Party Services. When you     complete a Deposit, Recurring Deposit, Withdrawal or hold a balance in     your Account on the Neev Platform, such activities are Third Party     Services provided by a Third Party Provider.  Other than as     explicitly set forth in this User Agreement, all such activities relating     to your Account are governed by the applicable Third Party Terms that you     have agreed to with such Third Party Provider.  Once any Transaction     has been successfully processed and deposited or withdrawn from your Account,     Neev shall bear no further liability for such funds or for any activity   related to such funds or your Account.

Availability of Third Party Services. We reserve the right to change, suspend, or discontinue the  availability of any Third Party Services on the Neev Platform at any time, including hours of operation or availability of any feature, without     notice and without liability. Changes to Neev Services. We reserve the     right to change, suspend, or discontinue any aspect of the Neev Services     at any time, including hours of operation or availability of any feature,  without notice and without liability.  Suspension of your use of any     of the Neev Services will not affect your rights and obligations pursuant     to this Agreement.

‍Interest Rewards.  You may receive interest on the balance held in your Account (“Interest Rewards”), represented as an annual percentage rate (“Applicable Interest Rate”). Such Interest Rewards will be paid by the applicable Third Party Provider that is custodians of your Account balance in accordance with  applicable Third Party Terms, but Neev will facilitate you receiving the  Interest Rewards into your Account. You acknowledge that Neev may receive compensation in connection with such activities in excess of the Interest Rewards paid or payable to you. You further acknowledge that such activities could result in the loss, or loss of value, of your Account balance.