AND CONDITIONS DISCLOSURE STATEMENT

This document contains the rules, regulations, and disclosures that apply to your Digital Gold Card Account. By accepting and using your Digital Gold Card account you agree that this Cardholder Agreement Terms and Conditions Disclosure Statement shall apply to the use of your Card and account, and you agree to abide by all terms, conditions, and rules set forth herein. Any change or increase in fees will be available on www.thedigitalgoldcard.com web site.

In this Agreement "you" or "your" means the person (persons) who have received the e-bullion gold®, e-bullion silver®, e-bullion e-currency® Digital Gold Card and are authorized to use it as provided for in the Agreement and "we" "us" or "our" means "us" and the people we do business with.

This card is our property and we may revoke the e-bullion gold®, e-bullion silver®, e-bullion e-currency® Digital Gold Card at any time without cause or notification. You must surrender a revoked Digital Gold Card and you may not use an expired or revoked card. If your Digital Gold Card is revoked and your Card Account reflects a balance greater than $5.00, we will issue payment of the balance to you at your request, less expenses. (certain conditions apply)

Digital Gold Card is a Panama City, Panama company. The laws of Panama City, Panama shall govern this Agreement.

Use and Purpose of Card:

Your Digital Gold Card is not a credit card. The Digital Gold Card is a proprietary form of a debit Card. It does not connect in any way to your or any other checking account. You may use it to: (1) withdraw cash at automated teller machines (ATM), (2) pay for purchases at places that have agreed to accept the Card (POS - point of sale). You may use your Digital Gold Card only to the extent that you have available funds. The funds will be available at any ATM or POS location that bears the Star or other logos as shown on the back of your card. Your current Card balance can be obtained at participating ATMs, through the Internet.

How to load your Digital Gold Card:

ONLINE: you can go online to THEDIGITALGOLDCARD.COM and load funds to your debit card from your e-bullion gold®, e-bullion silver®, e-bullion e-currency® account.

PIN Confidentiality:

Do not disclose the PIN or record on the Digital Gold Debit Card, or otherwise make it available to anyone else. You are responsible for the security and use of your Digital Gold Debit Card and PIN. You are liable for any transactions made by a person you authorize or permit to use your Digital Gold Debit Card and/or PIN. The PIN that accompanies your Debit Card is a security feature that functions as your signature, identifying you as the proper user of the Debit Card and authorizing any transactions that you make with the Card. Your PIN allows you to access your funds.

Amount of Transaction:

There may be additional terms and conditions imposed by the ATM and POS network that will apply to your use of the Digital Gold Debit Card beyond the scope of this Agreement.

Loss or Theft of The Debit Card:

If you believe that your Debit Card has been lost, stolen or used without your permission, YOU MUST NOTIFY US IMMEDIATELY. Contacting Live Support immediately is the best way to KEEP YOUR POSSIBLE LOSSES TO A MINIMUM. Failure to notify us promptly of the lost, theft, and/or unauthorized use of your Debit Card can result in your loss of any funds associated with the CARD. We are not responsible for any incidental, consequential and/or actual damages as a result of any loss of the Card or funds.

Authorized Unauthorized or Fraudulent Use:

The Cardholder is responsible for use of the Digital Gold Card and PIN. You are responsible for the full amount of all activity resulting from use of the Digital Gold Card by any person (including any use of the Digital Gold Card by persons to whom you have made the Digital Gold Card or PIN available). The Cardholder is also responsible for the full amount of unauthorized activity resulting from the use of the Digital Gold Card. This includes fraudulent activity or theft of the Digital Gold Card which occurs before you provide us with actual notification that the Digital Gold Card has been lost or stolen, provide necessary identification information, and we have been able to "deactivate" the Digital Gold Card on the Star and Plus networks.

No Responsibility for Purchased Goods/Services:

We are not responsible for any failure to supply or lack of suitability or quality of any goods or services purchased from any source using funds transfers authorized through the Digital Gold Card. You will settle directly between you and the merchant any dispute with respect to any such purchase and any such claim or dispute shall have no effect on the reduction to the Advance Limit carried out when the POS Terminal funds transfer was authorized.

Failure to Complete Transactions:

It is our intent to complete your Debit Card transactions in a timely and efficient manner. However, circumstances beyond our control may result in our inability to complete your transaction in a timely manner (or complete your transaction period). These circumstances include, but are not limited to, the following:
a) If, through no fault of ours, you do not have enough money in your account to make a transfer;
b) If the loss is caused by misuse of your Card or PIN in any fashion;
c) The ATM where you are making a withdrawal does not have enough cash;
d) The electronic terminal where you are making a transaction does not operate properly;
e) Natural disaster, fire, flood, and/or communication, system, and/or computer failure;
f) You report your Card lost/stolen and access to your funds have been blocked by your actions and/or inaction;
g) A merchant refuses to accept your Card;
h) A hold is placed on your Card for any reason;
i) An act of government, police investigation, encumbrance, legal process, and/or court order;
j) Suspicion of fraudulent use;
k) E-bullion gold®, e-bullion silver®, e-bullion e-currency® has blocked your account;
l) You understand that The Digital Gold Card is not liable in any way whatsoever for any financial or other losses you may experience, in any way, due to computer, network, software or hardware problems of any kind, whether caused by The Digital Gold Card or any other party.
m) You understand that delays caused by legal action against digital gold currency operators, or digital gold currencies themselves, or their associated companies, are beyond the control of The Digital Gold Card. Any delays or loss of funds caused by any such legal action is beyond the control of The Digital Gold Card and you will not hold The Digital Gold Card liable.
n) Other unforeseen circumstances not specifically listed above.

Fraudsters:

-You understand that any attempted fraudulent use of The Digital Gold Card including but not limited to any attempted money laundering, structuring, or violations of the U.S. Patriot Act or the U.S. Bank Secrecy Act will be prosecuted to the fullest extent of the law and reported widely to appropriate authorities.
-You accept that The Digital Gold Card has a ZERO tolerance on anyone trying to defraud or Scam The Digital Gold Card or any of its customers and associates.
-You agree that you are not trying to defraud The Digital Gold Card.
-You understand that if you attempt to defraud The Digital Gold Card you have broken the user agreement.
-You understand that if you attempt to defraud The Digital Gold Card every shred of information we have on you may be given to whomever we see fit.
-You accept that if The Digital Gold Card is given proof or has claims that the digital currency you sell to us was obtained fraudulently we will return the funds to the rightful owner and not send you any money.

Error Resolution Procedures:

In the event you notify us via live support of a suspected error, we may require you to confirm the error in writing (e-mail) within ten (10) business days after your verbal submission. It is your responsibility to confirm that we have received your written complaint within the required time period. Your failure to timely send your written confirmation, and/or initially notify us, of the suspected error will result in the loss of your claim.
If you choose, we can send you, upon request, your history in writing. We must hear from you no later than ten (10) days after the transaction in question has occurred. When contacting us please provide:
1. Your name and Digital Gold Card account number.
2. Date and amount of the transaction.
3. Type of transaction and description of the error. Explain as clearly as possible why you believe it is an error and why you need more information.
4. Dollar amount of the suspected error.
5. The location and time that the transaction took place.

Within ten (10) business days after the receipt of your notification, your claim will be investigated. Our decision to credit your Debit Card for the disputed amount as a result of our preliminary determination does not necessarily entitle you to the funds, as a final determination may not be reached until forty-five (45) days after the receipt of your dispute. Within the forty-five (45) day investigation period, we will either (1) allow the credit for the disputed amount to remain on your Card; (2) credit your Card for the disputed amount, if not already credited; or (3) deny your claim and, if applicable, we will deduct the amount previously applied to your Card. In the event we deny your claim, upon request we will provide you with a written explanation of our final determination.

Periodic Information:

You are entitled to receive periodic information regarding the use of your Card. Cardholders can choose to receive a copy of the following information.
a) Debit Card account statements accessable online. (refer to Cardholder Service Fees schedule)
b) Amendments to this Agreement, including and without limitation to, any changes in the Cardholder Service Fees set forth therein, or any other terms and/or conditions of your use of the Card; and
c) All other disclosure notifications and information relating to the Card, as well as the terms of your use of the Card.

Arbitration and Application of Law:

Using or permitting the use of this card constitutes acceptance to arbitrate any disputes. You and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us or servicers, agents, directors, officers, members and employees will be resolved by binding arbitration, and not class arbitration, by and under Laws and Rules of Panama, City. Panama.
This agreement to arbitrate all disputes is an independent agreement and shall survive the closing of your card account.

YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
To the extent permitted by law, by the use of this card or permitting the use of this card you agree that you will not bring, join or participate in any class actions to any claim, dispute or controversy you may have against us or our agents, servicers, director, officers, members and employees. You agree to pay the cost we incur, including our court costs and attorney's fees, in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually or not as a class action in binding arbitration as provided above. This is an independent agreement and shall survive the closing of your card account.

Service Charges:

The unused funds left on the Digital Gold Card will be reduced by the amount of the current service charges for the services that are arranged through the use of the Digital Gold Card. In any event, you agree to pay to all relevant service charges (including all transactions imposed by others in connection with the use of Digital Gold Card). Please see the fees disclosure for current service charges. A distribution of ATM Cash advances to you, or POS Terminal funds transfers to merchants/service providers authorized by you, will not be authorized if the remaining funds left on the Digital Gold Card is not sufficient to cover the ATM cash advances or POS Terminal funds transfers and all applicable service fees. If a POS Terminal transaction is reversed by a merchant (including, for example, a refund for returned goods), the amount of the reversal shall be added back to the card but any Service Fees previously charged are not reversed. The service charges are subject to change from time to time by notice to the Cardholder or by posting the changes on www.thedigitalgoldcard.com.

Card inactivity and Deactivation:

If your card is inactive for any 60 day period, a fee of $3.00 per month will be assessed until there are no remaining funds on your card. Your card will then be deactivated. This fee is in addition to the monthly fee of $4.95. Your card cannot be reactivated.

Discontinuance of Service:

If for any reason we cease to provide Digital Gold Card services and as a result the Digital Gold Card is deactivated while the Cardholder still has a positive balance on the card, then we will either (a) arrange for a new Digital Gold Card by a different supplier to be issued to the Cardholder (subject to compliance with the supplier's card issuance requirements) or (b) advance a cash (e-currency) payment to the Cardholder for the remaining balance on the card (subject to receipt of identification and return of the old card)

Non-Insured:

Cardholder acknowledges that the card processor account is not a FDIC insured account. This card is issued by and all funds are held by Trans Union Credit Union for processing only. These are not bank held accounts. You acknowledge and agree your balance is not a deposit, does not bear interest and is not insured by any government agency. You acknowledge and agree that you may only transfer or redeem the value of your balance in accordance with the terms and procedures described in this Agreement and on line at www.thedigitalgoldcard.com.

Liability:

We will not be liable for any damages (including special, indirect or consequential damages) resulting from any failure, error, malfunction or inaccessibility of any ATM or POS Terminal or any failure, error or delay in providing any ATM cash advances or POS Terminal funds transfers even if we knew that damage was likely or the damage was a result of our negligence or the negligence of our employees, agents or representatives.

Amendment to Agreement:

We may change the provisions of this Agreement and the service charges from time to time. You will not be notified of any changes unless you view this agreement from time to time.

Privacy Disclosure:

Confidentiality and Security of Nonpublic Personal Information:
We restrict access to nonpublic Personal Information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to high standards and guard your nonpublic Personal Information.

Nonpublic Personal Information We Collect:

We collect nonpublic Personal Information about you from the following sources:
Information we receive from you on applications or other forms.
Information about your transactions with us, our affiliates or others.

Nonpublic Personal Information We Disclose:

We do not disclose, nor do we reserve the right to disclose any nonpublic Personal Information about our customers or former customers to anyone except to other nonaffiliated third parties as permitted by law.

Right of Association:

Digital Gold Card reserves the right to refuse service to particular individuals or entities, at its sole discretion, with or without cause.

AGREEMENT DATE: Updated March 15 2008.