UNITED STATES CARD TERMS
Last updated: October 6, 2025
The Pontech Group L.L.C-FZ. Terms below refer exclusively to your Pontech Group L.L.C-FZ. Card and are separate from other services provided by Genuine Pontech Group L.L.C-FZ, including but not limited to access to any on-chain smart contracts.
PONTECH GROUP L.L.C-FZ CREDIT CARD ACCOUNT OPENING DISCLOSURES – SET CREDIT LIMIT
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases: 0.00%
APR for Balance Transfers: N/A
APR for Cash Advances: N/A
Paying Interest: You will not be charged interest on purchases. Your due date for payment of amounts owed on your Card is 21 days after the close of each billing cycle.
Minimum Interest Charge: There is no interest chargeable to this Credit Card.
For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit: http://www.consumerfinance.gov/learnmore
Fees
Annual Fees | $0 |
Balance Transfer | N/A |
Cash Advance | None |
International Transaction | 0% of each transaction in U.S. dollars |
Late Payment | 2% of the current outstanding card balance |
Over the Credit Line | None |
Returned Payment | None |
How We Will Calculate Your Balance:
We use a method called "average daily balance". See your Cardholder Agreement for more details.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.
Loss of Introductory APR:
There is no interest chargeable to this Credit Card.
How We Will Calculate Your Variable APRs:
There is no interest chargeable to this Credit Card.
Prime Rate:
There is no interest chargeable to this Credit Card.
Military Lending Act Disclosure:
The following disclosure applies to persons
covered by the Military Lending Act – other governmental programs and laws may
also govern or apply to this transaction but are not described in the following
disclosure. The following disclosure is required by the Military Lending Act.
Federal law provides important protections to members of the Armed Forces and
their dependents relating to extensions of consumer credit. In general, the cost of
consumer credit to a member of the Armed Forces and his or her dependent may
not exceed an annual percentage rate of 36 percent. This rate must include, as
applicable to the credit transaction or account: the costs associated with credit
insurance premiums; fees for ancillary products sold in connection with the credit
transaction; any application fee charged (other than certain application fees for
specified credit transactions or accounts); and any participation fee charged
(other than certain participation fees for a credit card account).
Pontech Group L.L.C-FZ Cardholder Agreement
Last Updated: October 6, 2025
Arbitration Clause; Notices:
PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN THE SECTION TITLED DISPUTE RESOLUTION AND ARBITRATION. BY USING THE PONTECH L.L.C-FZ CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING
OR PARTICIPATE IN A CLASS PROCEEDING.
Overview
This Pontech Group L.L.C-FZ Cardholder Agreement (“Agreement”) is a binding
agreement between you (“you”) and Issuer including its affiliates, successors, and
assigns (“Issuer,” “we”, “us,” or “Our”) that govern your use of the card account
(“Account”) provide by Pontech Group L.L.C-FZ. The Pontech Group L.L.C-FZ
Card is provided to you on behalf of Pontech Group L.L.C in connection with your
status as Pontech Group L.L.C-FZ customer and pursuant to your separate User
Agreement between you and Pontech Group L.L.C-FZ (the “User Terms”). The
Issuer is not a party to the Pontech Group L.L.C-FZ User Terms and disclaims any
liability for the performance of services covered therein.
We reserve the right to amend this Agreement or impose additional obligations or
restrictions on you at any time with or without notice to you, except where
required by applicable law. By continuing to use the Cards, you agree to be bound
by such amendments or additional obligations or restrictions. The date on the top
of this page shows when this Agreement was last updated.
Additional Definitions
The term “Card” means any card we issue associated with your Account, including
renewal and substitute cards. The term “Card” also means any other access
device that allows you to obtain Account credit from us, including your Account
number. Other capitalized terms that are not defined here are generally defined
the first time we use those terms. The term “Issuer” refers to Third National. The
term “Supported Blockchain” means the Ethereum Blockchain, Polygon
Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain
networks which may be added at our sole discretion.
Overview of Account Agreement
Our Account agreement with you (the “Agreement”) is contained in and governed
by:
this document, called the Pontech Group L.L.C-FZ Cardholder Agreement;
all Account disclosures and terms provided to you before or when the Account is opened, including the terms you accepted when applying for the Account, disclosures in our Card Account Opening Disclosures (the “Account Opening Disclosures”), and any terms we provided in written materials accompanying your Card;
all other documents, disclosures and terms that relate specifically to your
Account, including:
the privacy notices we or Pontech Group L.L.C-FZ provide to you;
the terms shown on periodic billing statements for your Account (each, a “Statement”);
the e-signature & electronic communications consent agreement
the XPlace License agreement;
your agreement that you were not solicited for this product, and any future changes we make to any of the above items, as permitted or required by applicable law.
You agree that this Agreement becomes effective the first time you use any Card
or the Account. You agree that you were not solicited for this product. You also
agree that we may keep and use an image or copy of the Agreement to enforce its
terms against you. When the Agreement states we “may” take an action, it means
we are authorized to take that action in our sole discretion, subject only to any
limitations or requirements established by law and the express terms of the
Agreement. Please read these materials carefully and keep them for future
reference. We may make new offers to you in the future or forward offers from
others that may interest you. If these offers have new or different terms, those
terms will be provided with the offer. If you accept the offer, the previously
disclosed terms in the Agreement will still apply, except as modified by the offer.
Account Information We Need
We need and will request complete, current and valid information about you to
manage your Account. Such information may include but is not limited to: your legal name; your address(es); your telephone number(s); your date(s) of birth; your employment and income information; and your Social Security number(s); or other government identification number(s). If we agree to issue additional Cards, You must tell us when this information changes. You may update your address as described on your most recent Statement, through the website we maintain for your Account, or by calling us at the telephone number shown on your most recent Statement or the back of your Card. We may require that you provide additional documents that are acceptable to us so that we can verify this information and any changes. We may restrict or close your Account, if we are unable to verify your information, if you do not provide the additional information
we request, or at our sole discretion.
TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY
LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES US TO OBTAIN, VERIFY, AND
RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN
ACCOUNT. WHAT THESE MEANS FOR YOU: WHEN YOU OPEN AN ACCOUNT, WE
WILL ASK FOR THE NAME, ADDRESS, EMPLOYER IDENTIFICATION NUMBER AND
ORGANIZATIONAL DOCUMENTS OF THE ACCOUNT OWNER AND THE NAMES,
ADDRESSES, DATES OF BIRTH, AND OTHER INFORMATION CONCERNING EACH
PRINCIPAL OWNER THAT WILL ALLOW US TO IDENTIFY THE ACCOUNT OWNER
AND ITS PRINCIPAL OWNERS. WE MAY ALSO ASK TO SEE A COPY OF EACH
PRINCIPAL OWNERS' DRIVER'S LICENSES OR OTHER IDENTIFICATION
DOCUMENTS.
Balance Categories of Your Account
“Balance Categories” are the different Account segments we may establish with
unique pricing, grace periods or other terms. The Balance Categories of your
Account include Purchases, and Special Offers. We reserve the right to decide
which Balance Category applies for each Account transaction and our decision
will be final.
A “Purchase” means the property, rights, goods and services we allow you to
purchase, rent, or otherwise obtain directly from merchants and vendors by using
your Card.
A “Special Offer” means transactions and balances that post to your Account,
subject to unique pricing, grace periods, or other terms we disclose from time to time for promotional and other reasons. Our Special Offer disclosures will explain
when any unpaid Special Offer balances may be transferred to and combined with
a different Balance Category after any temporary rate period ends.
Your Promises To Us
You promise to do everything the Agreement requires of you, as long as your
Account has a balance or remains open. Each of you and all of you promise,
individually and together, to pay us all amounts due on your Account, now and in
the future. This includes amounts where you did not sign a purchase slip or other
documents for the transaction. If you use your Card number without presenting
your actual Card (such as for mail, telephone or Internet purchases), these
transactions will be treated as if you used the Card in person. The amounts due on
your Account include all transactions in each Balance Category made by any of
you, plus all Fees and all Interest Charges, as described in this Agreement. Your
“Interest Charges” are the charges we add to your Account based on the Annual
Percentage Rates we apply to your Account balances. Your “Fees” are the charges
we add to your Account that are not based on the Annual Percentage Rates. If you
allow someone else to use your Card, you are responsible for all transactions
made by that person and all associated Fees and Interest Charges. If you die, your
promise to pay us will apply to your estate, as permitted by law.
Using Your Account and Card
You may use your Card and the Account for making Purchases and for obtaining
Special Offers, as permitted by this Agreement and applicable law.
You agree to sign the Card immediately after you receive it. The Card is valid
during the dates shown on the front. The Card is our property and you agree to
return it to us or destroy it, if we ask. You agree to take reasonable steps to
prevent the unauthorized use of your Card and Account.
We are not responsible to you if someone refuses to accept your Card for any
reason. We may reject any transaction for any reason. We may limit the combined
dollar amount or the total number of certain Account transactions allowed during a
single day or other time periods. We may restrict or delay the availability of
Account credit, to protect you and us against potential fraud, unauthorized transactions, Account misconduct or misuse, or for other risk management
reasons. We will not be liable to you if this happens. Except as otherwise required
by applicable law or regulation, we will not be responsible for merchandise or
services purchased or leased through the use of any Card or the Account.
You agree not to use, try to use, or permit use of the Card or Account for any
Internet gambling transactions or any other transactions that are illegal or not
permitted by us. Even if you do, you must still pay us for these transactions and
they remain subject to all other terms of our Agreement. You must reimburse the
Payment Card Network and us for all damages and expenses associated with
these transactions.
From time to time, Account services may be unavailable to you , due to
circumstances beyond our control, such as system failures, fires, floods, natural
disasters or other unpredictable events. When this happens, you may be unable to
use your Card or obtain Account information. We will not be responsible or liable
to you if this happens.
Using a PIN
We may give you a personal identification number (“PIN”). For security reasons,
you may have to provide the PIN before you are able to complete some
transactions using the Card. With a PIN, you may, if enabled by us, use your Card
to obtain cash from certain automated teller machines (“ATM”) or make Purchases
at certain merchant point-of-sale devices (“POS”). Where enabled, you may do
these things if the ATM or POS requires entry of a PIN and displays the logo of the
Payment Card Network on your Card. We will treat any allowed ATM transactions
as Cash Advances and all POS transactions as Purchases. Keep your PIN secure
and do not write it down, give it to anyone, or keep it with your Card. If you lose
your Card or believe someone has gained unauthorized access to your PIN, you
must contact us immediately.
Statements and Billing Cycles
The documents or information we provide after each Billing Cycle through your
Statement will disclose important information about your Account, including your
Account transactions, payments, Fees, Interest Charges, unpaid balances in each Balance Category, and payment requirements. The intervals of time between your
regular Statements (each, a “Billing Cycle”) are generally equal (approximately 30
days), but may vary slightly in length. Your first Billing Cycle may be more or less
than 30 days. You must pay any Minimum Interest Charge and any Fees due after
your first Billing Cycle, even if it is for a period less than 30 days. Your Statements
disclose the specific length of each Billing Cycle. Your Account will continue to
have Billing Cycles, even if a Statement is not required after any Billing Cycle.
We will send a single Statement to you for all Cards on your Account, except when
we are not required or permitted by law to send a Statement. We will send a
Statement at the end of each Billing Cycle when your Account has a debit or credit
balance of more than $0.01, if we have charged any Interest Charges to your
Account, or as otherwise required by law.
Disputed Transactions
You must promptly inspect each Statement you receive and tell us about any
errors or questions you have, as described in the “Billing Rights” section of your
Statement and this Agreement. If you do not notify us as provided in these
disclosures, we may assume that all information in the Statement is correct. If you
dispute a transaction made by you or someone else on your Account, and we later
credit your Account for all or part of the disputed amount, you agree to:
Give us all of your rights against that other person;
Give us any merchandise or other purchases you received in connection with
the disputed amount, if we ask;
Not pursue any claim or reimbursement from the merchant and other person;
and
Help us pursue and obtain reimbursement from the merchant and that other person, by promptly returning documents with any signatures we may request and otherwise providing us with reasonable cooperation.