CORISE Customer Terms of Service

These Terms govern the rights and obligations between customers who purchase an MSX Card through CORISE's sales platform (rwa.corise.cc, the "Platform") and CORISE CONSULTING CO., LTD. (the "Company").

Article 1 (Definitions)

For purposes of these Terms, the following expressions have the meanings set out below.

1. "MSX" means the MSX platform and ecosystem provided or operated by Mystonks Holding LTD., together with all related websites, mobile applications, products, services, features, technologies and branding made available under the MSX name. These may be added to, changed or discontinued from time to time.

2. "Company" or "CORISE" means CORISE CONSULTING CO., LTD. Under a card-distribution partnership agreement, the Company acts as an independent seller that promotes and sells the Card, accepts purchase applications, and provides and distributes physical card media. The Company is not the issuer of the Card, the operator of the Card Programme, or a provider of financial services.

3. "Card" means an MSX Card sold through the Platform, being any Silver Card, Gold Card or Black Card shown by the Company as available for purchase.

4. "Partner Service Provider" means a business that partners with the Company in connection with Card distribution, receipt of purchase payments, issuance arrangements, delivery or other aspects of providing the Card.

5. "Card Issuer" means the entity responsible under the Card Programme for reviewing, issuing and activating the Card and for other card-issuance operations.

6. "Card Programme Operator" means the entity that operates the Card Programme and associated payment services.

7. "Designated Payment Address" means the USDT payment address designated by a Partner Service Provider or the Card Programme Operator to receive the purchase price of the Card.

8. "MSX Services" means services offered through the MSX platform, including the MSX Account, wallet, card payments, transfers, global transfers and RWA trading.

9. "MSX Account" means the account registered and used by a customer through an official MSX website or application.

Article 2 (Acceptance of These Terms)

1. Before placing an order on the Platform, the Customer shall review and agree to these Terms.

2. Use of MSX Services relating to the Card may require acceptance of separate terms of use, privacy policies and other rules established by MSX, the Card Issuer or the Card Programme Operator (collectively, the "MSX Rules").

3. The MSX Rules apply to matters concerning MSX Services. If these Terms conflict with the MSX Rules, the MSX Rules prevail with respect to MSX Services.

4. The Customer shall accept the MSX Rules and use MSX Services at the Customer's own judgment and responsibility.

Article 3 (Roles and Scope of Responsibility)

1. The Company operates the Platform; promotes and sells the Card; accepts purchase applications; provides the Designated Payment Address; confirms payment status; and arranges the provision and delivery of the Card.

2. The Company does not issue the Card, operate the Card Programme, manage the MSX wallet or customer funds, provide payments, transfers, global transfers or RWA trading, conduct identity verification, provide investment advice, or manage assets.

3. The Customer shall send the purchase price directly to the Designated Payment Address specified by the Partner Service Provider or Card Programme Operator. The Company does not receive, hold, manage or transmit the Customer's fiat currency or digital assets.

4. Where identity verification is required to use global transfer functionality or another particular function or service under the Card Programme, identity verification will be conducted by the Card Issuer, Card Programme Operator or its designated provider. The Company does not conduct or determine the outcome of such verification.

Article 4 (Products, Prices and Card Activation)

1. The Company handles Cards displayed as available for purchase on the Platform. The Platform will show the Card tiers currently offered, their selling prices, stock availability and whether applications are being accepted.

2. The standard selling prices are as follows. If a different price is displayed on the Platform, the price displayed when the order is placed applies.

Card Selling Price Silver Card USD 99 Gold Card USD 199 Black Card USD 499

3. The price in the preceding paragraph is consideration for the sale of the physical card media and the related purchase, provision and delivery arrangements. The Card Programme, MSX Services, identity verification, wallet, payments, transfers, RWA trading, IPOs and other related services are not included in the sale governed by these Terms.

4. Activating the Card requires a minimum initial funding amount, separate from the Card purchase price, according to the Card tier.

Card Minimum Initial Funding Silver Card USD 200 or USDT equivalent Gold Card USD 500 or USDT equivalent Black Card USD 2,500 or USDT equivalent

5. The minimum initial funding is money used to activate the Customer's own card account. It is not received or managed by the Company.

6. The Card purchase price, minimum initial funding, IPO purchase cap, Card transaction limits and fees are separate conditions. The Customer shall review the conditions shown on the Platform and in the MSX Rules before ordering.

7. Card specifications, usage conditions, fees, minimum initial funding and limits may be changed by the Card Issuer or Card Programme Operator. Material changes will be communicated through the Platform or another reasonable method, except in emergencies, where legally required, or where circumstances are outside the Company's control.

8. The validity period printed on the Card is determined by the applicable manufacturing and issuance timing and issuance batch and does not commence on the Customer's purchase or receipt date. Accordingly, the remaining validity period when the Customer receives the Card may be less than five (5) years.

9. Before purchasing the Card, the Customer shall review and accept the information displayed on the Platform concerning its expiry date or remaining validity period. The fact that a remaining validity period of less than five (5) years was appropriately disclosed before purchase does not, by itself, constitute a defect or non-conformity and does not entitle the Customer to cancellation, refund or replacement. This does not apply where the actual expiry date differs from the information displayed at the time of purchase, where the Card cannot be used for its ordinarily intended purpose, or where the Customer has rights that cannot be excluded under applicable law.

Article 5 (Orders and Formation of the Sale Contract)

1. When the Customer submits an order with the required information on the Platform, the order is initially accepted as a provisional order.

2. A sale contract for the Card is formed when the Company confirms receipt of the full purchase price at the Designated Payment Address and sends an order-confirmation notice to the Customer.

3. The Company may decline an order or cancel it after formation if any of the following applies:- The submitted information is false, incorrect or materially incomplete.- The Customer is in an excluded jurisdiction or does not satisfy Article 11.- The order is suspected to be fraudulent, suspicious or made by a third party.- Full payment cannot be confirmed.- A Partner Service Provider, Card Issuer or Card Programme Operator does not approve the transaction, issuance or provision.- The transaction conflicts with law, sanctions or Card Programme restrictions.- The Company reasonably determines that provision of the Card is otherwise impracticable.

4. Any refund or other treatment following cancellation under the preceding paragraph is governed by Article 7.

Article 6 (Payment)

1. The Customer shall send the purchase price in USDT to the Designated Payment Address displayed when ordering, using the specified blockchain network.

2. After sending payment, the Customer shall submit the transaction ID (TXID) and any other information specified by the Company through the Platform.

3. Payment is confirmed when funds are received at the Designated Payment Address and confirmed on the blockchain.

4. The Customer is responsible for checking and using the correct amount, network and wallet address.

5. If funds are sent using a wrong network or address, if there is an overpayment or underpayment, or if a shortfall results from a third-party wallet, exchange malfunction or fee deduction, the Company will provide reasonable confirmation and guidance. The Company is not responsible for funds that cannot be recovered or returned for reasons not attributable to the Company.

6. If the amount received is less than the purchase price, the Company may refrain from confirming the order and may provide instructions regarding additional payment or a refund.

7. If the amount received exceeds the purchase price, the Company will coordinate with the Partner Service Provider and separately advise how the excess will be handled.

8. A blockchain transfer that has been completed cannot itself be reversed. The Customer shall carefully review the payment details before sending funds.

Article 7 (Cancellation and Refunds)

1. Cancellation Before Payment The Customer may cancel an application until payment of the purchase price has been completed. Because no payment has been received at this stage, no refund procedure is required.

2. After Payment but Before an Order Is Placed with the Partner Service Provider Even after payment has been completed, cancellation and refund are generally available before the order is placed with the Partner Service Provider. USDT network fees, the transfer fee for the refund, and any other actual costs incurred in connection with the refund may be deducted. The Company will not compensate for differences caused by digital-asset price movements, exchange-rate movements, timing of transfers or similar factors.

3. After an Order Is Placed with the Partner Service Provider Once an order has been placed with the Partner Service Provider, preparation, printing, registration, issuance arrangements and other procedures for the card media begin. Accordingly, cancellation and refund for reasons attributable to the Customer are generally unavailable. If the Company determines, after reviewing order status and costs already incurred, that a refund remains possible, it may refund the balance after deducting actual costs incurred.

4. After Dispatch and After Delivery After the Card has been dispatched, cancellation or refund for reasons attributable to the Customer is unavailable.

After delivery, returns and refunds for reasons attributable to the Customer are generally unavailable regardless of whether the Card is opened or unopened and regardless of the status of account registration, identity verification or Card activation. Failure to complete or pass identity verification does not by itself entitle the Customer to return or refund, and the Company does not guarantee completion or approval of identity verification.

5. Delivery Problems If loss in transit, material damage or substantial delivery delay occurs, the Company will confirm the delivery status with the Partner Service Provider and delivery carrier and, based on the investigation, determine a reasonable response such as reshipment, reissuance or refund. If non-receipt results from incorrect delivery information, refusal to accept delivery, prolonged absence, expiration of a holding period or another circumstance attributable to the Customer, the Customer will bear the costs required for reshipment or other handling.

6. Circumstances Affecting the Company or Related Providers If it is confirmed that the Card cannot be issued or provided because of circumstances affecting the Company, Partner Service Provider, Card Issuer or Card Programme Operator, the Company will coordinate with the relevant providers and provide a reasonable response, such as reissuance, an alternative solution or a refund.

7. Refund Method, Processing Time and Requests Where a refund is approved, the Company will coordinate with the Partner Service Provider and, in principle, make the refund by a separate transfer in the same currency used for payment to a wallet address verified by the Company. Network fees and other actual costs may be deducted. The Company will generally initiate the refund within seven (7) to thirty (30) business days after it has approved the refund and completed verification of the destination wallet address and all other information required for the refund. This period may be exceeded where confirmation by a Partner Service Provider, blockchain network congestion, a legally required review, a fraud investigation or another circumstance outside the Company's reasonable control causes delay. Where the refund process is delayed, the Company will provide reasonable notice to the Customer. The Customer shall contact support@rwa.corise.cc to request a cancellation or refund.

Article 8 (Identity Verification)

1. Identity verification is not necessarily required of every Customer to purchase the Card, register an MSX Account or use ordinary Card functions.

2. To use global transfer functionality or another particular function or service for which identity verification is required under the Card Programme, the Customer must complete the identity-verification procedure established by the Card Issuer, Card Programme Operator or its designated provider.

3. The functions and services requiring identity verification, required documents, screening criteria and procedures are determined by the Card Issuer, Card Programme Operator or its designated provider and may change.

4. When completing identity verification, the Customer shall provide accurate and current information and authentic documents.

5. The Card Issuer, Card Programme Operator or its designated provider conducts identity verification and determines whether it is approved or rejected. The Company does not participate in that review or decision and does not guarantee completion or approval.

6. If identity verification is not completed or is rejected, the Customer may be unable to use global transfers or other services requiring verification. Card functions or services not requiring identity verification may remain available to the extent permitted by the Card Programme.

7. Returns and refunds where identity verification is incomplete or rejected are governed by Article 7.

Article 9 (Dispatch, Receipt and Delivery)

1. The Card will be dispatched to the address designated by the Customer by the Company, a Partner Service Provider, the Card Issuer or a delivery carrier designated by any of them.

2. Any delivery period displayed on the Platform is an estimate. Delivery may be delayed due to inventory, destination, customs, weather, traffic, a Partner Service Provider or delivery carrier, or other circumstances outside the Company's reasonable control. The Company does not guarantee arrival within the displayed period.

3. The Customer shall provide accurate and deliverable name, address, telephone number and other delivery details. If the Card is undelivered or returned due to an input error, prolonged absence, refusal, expiration of a holding period or another circumstance attributable to the Customer, the Customer may be required to bear reshipment costs and other actual expenses.

4. If the Card does not arrive for an extended period, the Customer shall contact Company support. The Company will coordinate with the Partner Service Provider and delivery carrier to confirm delivery status and take appropriate action based on the result.

5. The Customer shall promptly inspect the contents and condition after receipt. Material damage, an incorrect item or another problem must be reported within seven days of receipt, together with photographs and any other evidence requested by the Company. Minor scratches, dents or stains to the presentation box or packaging that do not affect Card functionality or use may not qualify for replacement.

6. Customs duties, import taxes, clearance fees and other public charges imposed in the destination jurisdiction are borne by the Customer unless otherwise expressly stated on the Platform.

7. If delivery is held, restricted or returned due to law, import controls, customs procedures or another circumstance outside the Company's reasonable control, the Company will coordinate with the Partner Service Provider.

Reshipment, refund and allocation of resulting costs will be determined under Article 7 after reviewing the cause, delivery status and costs already incurred.

Article 10 (MSX Account Registration)

1. The Customer shall register an MSX Account through the designated official website or application at the time and in the manner instructed by the Company, Card Issuer or Card Programme Operator.

2. The Customer shall use the same email address for the MSX Account as was used for the order on the Platform.

3. If the email addresses do not match, the order information, Card and MSX Account may not be linked, which may interfere with Card activation, service provision or support.

4. The Company will provide reasonable confirmation and guidance regarding problems caused by an input error or use of a different email address. The Company is not responsible for disadvantages that cannot be resolved for reasons not attributable to the Company.

Article 11 (Eligibility and Excluded Jurisdictions)

1. In purchasing and using the Card, the Customer represents and warrants that:- The Customer is at least 18 years old or has reached the legal age of majority in the place of residence.- Purchase, possession and use of the Card are not prohibited by the laws of the Customer's residence or any relevant jurisdiction.- The Customer is not a target of economic sanctions and is not owned or controlled by a sanctioned person.- The Customer purchases the Card for the Customer's own use and not for improper third-party use or lending of identity.

2. Mainland China, jurisdictions subject to comprehensive economic sanctions, and jurisdictions specified by a Partner Service Provider, Card Issuer or Card Programme Operator may be excluded.

3. The Company may decline purchases from a particular country, region or Customer based on law, sanctions, the Card Programme or Partner Service Provider policy.

Article 12 (Prohibited Conduct)

The Customer must not engage in any of the following:- Registering false information or impersonating another person.- Purchasing in another person's name or improperly using an MSX Account.- Using the Card or MSX Services for fraud, money laundering, terrorist financing or another unlawful activity.- Reselling, transferring or lending the Card for commercial purposes.- Circumventing identity-verification, sanctions-screening or fraud-prevention controls.- Interfering with operation of the Platform or MSX Services.- Infringing rights of the Company, a Partner Service Provider, Card Issuer, Card Programme Operator or third party.- Violating law, these Terms or the MSX Rules.- Other conduct reasonably determined by the Company to be inappropriate.

Article 13 (Related Services and Risk Disclosure)

1. MSX Services available in connection with the Card may include wallet functionality, digital-asset deposits and withdrawals, transfers, global transfers, RWA trading and other services.

2. MSX Services may involve risks including price volatility, foreign-exchange movements, liquidity risk, system failure, transfer delay, regulatory change and loss of principal.

3. The Company sells only the physical card media and arranges its provision and delivery as described in Article 4.

The Company does not sell or provide RWAs, securities, IPOs, digital assets or other financial products.

4. Information on the Platform is general and factual guidance based on approved materials. It is not investment advice, a personal recommendation, solicitation, asset management or a guarantee of profit by the Company.

5. Past prices, trading performance, growth rates and other historical information do not guarantee future results or profits.

6. The Customer shall review the MSX Services, applicable rules and risks and use those services at the Customer's own judgment and responsibility.

Article 14 (Disclaimer of Warranties and Limitation of Liability)

1. The Company will exercise reasonable care in operating the Platform and arranging the sale and provision of the Card.

2. Card functionality, the Card Programme, MSX Account, wallet, payments, transfers, global transfers, RWA trading, identity verification and other MSX Services are provided by the Card Issuer, Card Programme Operator or its designated provider and are not services provided by the Company.

3. The Company does not warrant the content, quality, accuracy, availability, continuity, fitness for a particular purpose or future availability of MSX Services.

4. Where loss arises from a failure, delay or act of a Partner Service Provider, Card Issuer, Card Programme Operator, delivery carrier, third-party wallet, digital-asset exchange or blockchain network, the Company is not liable except to the extent the loss is attributable to the Company.

5. If the Customer suffers loss due to the Company's ordinary negligence, the Company's liability is limited to the purchase price paid by the Customer to the Designated Payment Address for the relevant order and to ordinary, direct loss.

6. The preceding limitation does not apply where loss results from the Company's wilful misconduct or gross negligence or where liability cannot otherwise be limited by law.

7. Except in cases of the Company's wilful misconduct or gross negligence or where exclusion is not permitted by law, the Company is not liable for lost profits, lost opportunities, indirect, special or consequential loss.

Article 15 (Intellectual Property)

All intellectual property rights in the Platform and in trademarks, logos, images, text, designs and other materials relating to the Card, Company, MSX, Card Issuer and Card Programme belong to the Company or their respective lawful owners.

The Customer must not reproduce, republish, alter, distribute, sell or otherwise use those materials without the prior permission of the relevant rights holder.

Article 16 (Personal Information)

1. The Company handles Customer personal information in accordance with its separately published privacy policy and applicable law.

2. To the extent necessary for accepting Card purchases, confirming payment, arranging issuance and delivery, directing Customers to services requiring identity verification and providing support, the Company may provide Customer personal information to Partner Service Providers, the Card Issuer, Card Programme Operator, payment-related providers, delivery carriers and other necessary service providers.

3. Where identity verification is required, identity documents and other information may be collected and managed by the Card Issuer, Card Programme Operator or its designated provider.

4. Where information must be provided to a Partner Service Provider or other provider located overseas, Customer information may be handled outside the Customer's country of residence.

Article 17 (Changes, Suspension or Discontinuation)

1. The Company may change, temporarily suspend or discontinue all or part of the Platform where reasonably necessary for business or technical reasons, changes in law, security, changes involving a Partner Service Provider or the Card Programme, or other reasonable grounds.

2. Where practicable, the Company will provide advance notice through the Platform or another reasonable method, except in emergencies or circumstances outside the Company's control.

3. If the Card can no longer be provided to the Customer as a result, the Company will act in accordance with

Article 7.6.

Article 18 (Changes to These Terms)

1. The Company may amend these Terms where reasonably necessary due to changes in law, a partnership agreement, the Card Programme, service content or other circumstances.

2. The amended Terms apply from the time they are posted on the Platform, otherwise reasonably notified, or from a date specified by the Company.

3. The amended Terms apply when the Customer places a new order after the amendment.

4. Unless required by law or by the nature of the amendment, a sale contract formed before an amendment remains governed by the Terms in force at the time of the order.

Article 19 (Governing Law and Dispute Resolution)

1. These Terms are governed by and construed in accordance with the laws of the Kingdom of Cambodia. This does not exclude any mandatory law applicable in the Customer's place of residence.

2. If a dispute arises in connection with these Terms or purchase of the Card, the Company and Customer shall consult in good faith and seek an amicable resolution.

3. If the dispute cannot be resolved through consultation, the court with jurisdiction over the Company's location shall be the agreed court of first instance, except where otherwise required by law.

Article 20 (Contact)

For questions concerning these Terms or the ordering, payment, delivery, cancellation or refund of a Card, contact:

Operator Email support@rwa.corise.cc For questions regarding the MSX Account, Card functionality, identity verification, payments, transfers, global transfers or RWA trading, the Company may direct the Customer to the support channel of MSX, the Card Issuer or Card Programme Operator.

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