Additional Terms & Conditions Relating to StraitsX Earn

• Clauses 2.2,1 3.1 & 4.1 of the StraitsX Earn T&Cs: New clause to reflect that XIPL reserves the right to amend eligibility requirements to comply with Applicable Laws, and updated existing clause to reflect that users may also deposit tokens into any wallet designated by XIPL for StraitsX Earn purposes.
  
  
• Clauses 3.2 of the StraitsX Earn T&Cs: Updated the clause to reflect that XIPL independently borrows tokens for various deployment strategies.
  
  
• Clause 6 of the StraitsX Earn T&Cs: Updated to specify that XIPL may offer different Earn product variations with distinct features (e.g. rewards rates, lock-up periods). The applicable terms for each Earn product variant may be provided on the StraitsX Website, StraitsX Dashboard or separately agreed in a bespoke written StraitsX Earn Agreement. Such terms will take precedence over any general descriptions in the StraitsX T&Cs, including the Additional T&Cs pertaining to StraitsX Earn. XIPL also reserves the right to vary the rewards rate applicable to any StraitsX Earn product at any time.
  
  
• Clauses 7.1 to 7.4 of the StraitsX Earn T&Cs: Updated the clause to reflect that XIPL reserves the right to terminate any Earn product and redeem deposited tokens, returning the principal plus accrued rewards (or pro-rated rewards, if applicable). Withdrawal of all or part of the Earn balance is subject to the specific Earn product type. Clarified that the withdrawal processing time may take up to 7 business days and that rewards accrual ceases upon submission of the withdrawal request. Additionally, XIPL may impose withdrawal limits (e.g. per-day, per-week, or per-month caps), which may apply individually or across all users, and may vary based on factors such as product type, volume, or terms separately agreed with you.
  
  
• Clause 9.1 of the StraitsX Earn T&Cs: Updated the clause to reflect that closure of StraitsX Earn Account will be subject to the terms of the specific StraitsX Earn product a user has subscribed for.
  
  
• Clause 11 of the StraitsX Earn T&Cs: New clause introduced to clearly outline the potential risks of loss of principal and/or rewards arising from factors such as investment strategies, counterparty defaults, blockchain and smart contract failures, platform disruptions, cybersecurity incidents, operational challenges, force majeure events, and regulatory changes.
  
  
• Clause 12 of the StraitsX Earn T&Cs: New clause that clarified user’s participation in the StraitsX Earn program is governed solely by the terms of the agreement, including any bespoke yield, duration, redemption, or deployment terms. Emphasized that no reliance should be placed on external statements, marketing materials, or previous versions of the StraitsX Earn unless explicitly incorporated into the current agreement.