<aside> 🤐 CONFIDENTIAL INFORMATION - MENDA Required

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This Cardholder Agreement ("Agreement") is between the cardholder ("Cardholder") and Depublica dba Ricardiam ("Administrator") for joint access to one or more shared expense accounts (“Accounts”) set up for paying business expenses of Wikido License Pool defined by the WikiWe License Pools (”Project”) and for participation in the Administrator's productivity points program ("Productivity Program").

  1. Enrollment: The Cardholder may enroll in the Productivity Program by applying for an account on the Company's website or mobile application and adopting one or more of the ‣, ‣ , or ‣ . Once the pledge is accepted per the ‣, the Administrator may issue a debit card to the Cardholder for paying Qualified Expenses within limits set by the Company.
  2. Debit Cards and Qualified Expenses: Cardholder agrees to only use the debit card for business expenses advancing the Project authorized in writing by the Administrator, and to document use for such business expenses as requested by the Administrator. If the Cardholder charges any other expense to the Card, the Cardholder agrees to promptly reimburse the Administrator for any other expenses paid using the debit card, or provide their tax identification number upon request by the Administrator for enabling the Administrator to report the expense as personal income to the Cardholder.
  3. The Company may define the Qualified Expenses, set and amend spending limits applied to debit cards, set and amend policies for using debit cards, and revoke debit cards, at its sole discretion.
  4. Earning Productivity Points: The Cardholder can earn productivity points ("Points") by completing tasks defined by the __________
  5. Redeeming Productivity Points: The Cardholder may redeem Points for rewards offered by the Administrator. The availability of rewards and the number of Points required for redemption may vary depending on the Administrator's discretion, provided that the redemption for shares of any associated Wikido Joint Venture Entity on a 1:1 basis are permitted until expiration of the Points subject to the ‣ and ‣.
  6. Point Expiration: Points will expire after five (5) years, unless otherwise specified by the Administrator.
  7. Point Value: Points have no cash value recognized by the Administrator.
  8. Cardholder Responsibilities: The Cardholder is responsible for maintaining the security of their account and debit card and for any unauthorized use of the account or debit card.
  9. Changes to the Productivity Program: The Administrator may change, modify or terminate the Productivity Program, including Point values and rewards, at any time without prior notice, subject to the ‣ and ‣ .
  10. Cancellation of Debit Card: The Administrator reserves the right to cancel a Cardholder's debit card issued to the Cardholder, if the Cardholder violates any terms of this Agreement, engages in fraudulent activity, or abuses the debit card in any way.
  11. Management of Debit Card Funding: The Administrator may limit spending on debit cards based on availability of funds and requirements of funding sources, in its sole but fair discretion. The Administrator shall not be required to fund any debit card account and shall not be liable for failure to fund any debit card account, unless the failure to fund is due to malice, gross negligence, or breach of contract by the Administrator.
  12. Governing Law: Resolution of conflicts relating to this Agreement is governed by the ‣ .

Witness of Consent to this Cardholder Agreement is per “Enrollment” above, by adopting one or more of the Member, Producer, or Creator Pledges. Provisions relating to debit cards apply only after accepting a debit card from the Administrator.

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