ETORO INTEREST ON BALANCE TERMS & CONDITIONS (“TERMS”)

PLEASE NOTE: IT IS YOUR SOLE RESPONSIBILITY TO REVIEW AND UNDERSTAND YOUR ELIGIBILITY TO PARTICIPATE
IN OUR PROMOTIONS. BY ENTERING THE PROMOTION ALL ENTRANTS WILL BE DEEMED TO HAVE ACCEPTED AND
AGREED TO BE BOUND BY THESE TERMS AND CONDITIONS AND THE GENERAL ETORO TERMS AND CONDITIONS
AND PRIVACY POLICY, WHICH ARE AVAILABLE THROUGH HTTPS://WWW.ETORO.COM/CUSTOMER-
SERVICE/TERMS-CONDITIONS/. IF YOU ARE IN VIOLATION OF ANY POLICIES, RULES OR REGULATIONS APPLICABLE
TO YOU, YOU MAY BE DISQUALIFIED FROM ENTERING OR RECEIVING REWARDS.

Overview

These Terms set out the terms and conditions under which eToro (Europe) Ltd., eToro (UK) Ltd., eToro AUS Capital
Limited, eToro (Seychelles) Ltd. or other eToro entity if specifically approved by us (together, “eToro” or “we”), may
provide you with the option to earn interest on your cash balance at a simple non-compounded annual interest rate
of as indicated on the eToro Club page at https://www.etoro.com/about/clubs/.

The interest will be calculated daily on your cash balance amount of your eToro trading platform account.

We will credit the interest to your account on a monthly basis, no later than the 5th business day of the following
month.

The current eligibility criteria and rewards levels will be made available on the eToro Club page at
https://www.etoro.com/about/clubs/. The program is only available to clients who meet certain eligibility criteria,
which shall be established by eToro and subject to change at any time in its sole and absolute discretion.

How to Qualify

1. You should have an existing account and be qualified as a qualified Club Member.
2. You are required to indicate your consent by entering the Club Dashboard, scrolling down to the ‘Interest
on Balance’ section and changing the status from “Disabled” to “Active.”

Interest on Balance Mechanics and Details

This offering will apply to Club members who meet our eligibility criteria as indicated on the eToro Club page at
https://www.etoro.com/about/clubs/, as long as they qualify for such Club membership. If you are downgraded from
your club during a specific month, you will be entitled to the interest for a pro rata portion of the month for which
you qualified as a club member.

You may always withdraw your cash balance and the interest amount not required as margin, pursuant to our T&Cs
and subject to our fees.

This offering will be automatically renewed for additional quarterly calendar periods. We reserve the right to cancel
the renewal of this offering for subsequent terms or to renew it at a lower interest rate. We reserve the right to
cancel this offering due to regulatory or legal requirements, as shall be determined at our discretion.

This offering is only available to clients who, on the date of payment, are (i) clients of the eToro entities specified in
the preamble of these Terms. If you change the eToro entity which provides the services to you, you may not be
entitled to any unpaid accumulated interest; and (ii) owners of a regular account which is not blocked, non-verified
or otherwise restricted (if you are not sure about your account status or type or the eToro entity servicing you, please
contact us).

You will be solely responsible for all applicable taxes related to accepting the interest;
Notwithstanding the above, you agree that we may withhold and deduct any taxes due under applicable law and
regulations that may arise from this offering.

Please note that if you are an Australian resident who has not submitted your TFN to us, we may be required to
withhold the applicable withholding tax based on the statutory maximum amount for the applicable jurisdiction.

We reserve the right to deny, withhold or withdraw this offering at our sole discretion if we suspect that you may
be engaging in or have engaged in fraudulent, unlawful or improper activity.

For the purpose of this offering, credit lines, previously paid interest, bonuses, refunds and/or any fees due to us
shall be excluded from your cash balance. Invested amounts, margins, fees, losses and withdrawals shall be
attributed first to your deposits for such calculation.

eToro reserves the right to (i) refuse to allow any client to enter the program (ii) remove any client from participation
in the program at any time in eToro’s discretion, (iii) apply different eligibility criteria or interest terms to clients
from different jurisdictions or club tiers.

What Other Conditions Am I Agreeing To By Entering?

You expressly consent to placing your money in a qualifying money market fund. Your money will therefore not be
held as client money in accordance with the applicable rules on safeguarding client funds, but the units or shares
will be held as safe custody assets in accordance with applicable rules on safe custody. Please review the general
eToro Terms and Conditions for moer details.

You are solely responsible for all applicable taxes related to accepting the interest.

Clients who attempt to abuse the program will forfeit their rewards. If any participant is attempting to compromise
the integrity or the legitimate operation of the program or by cheating or committing fraud or manipulation in any
way, including by providing false details or by false registration, eToro may seek damages from such participant to
the fullest extent permitted by law. Further, eToro may refrain from granting interest and/or deduct any such
amounts that were given to such participant and/or ban it from participating in any of eToro’s future promotions.

If eToro suspects that a client (whether alone or with others) has manipulated or abused (or attempted to do so) the
program and/or otherwise acted in bad faith towards us or in a fraudulent manner, then, eToro reserves the right,
at its sole discretion, to take the following actions with respect to any such client and/or to any person we consider
is acting in concert with such client: (i) temporarily or permanently, block, suspend or terminate the services under
such client account with eToro (or any portion thereof and close such account, and/or (ii) remove and/or deduct any
benefit which might have been granted to such clients (taking into account any loss sustained which will be fully
recognized); and/or (iii) remove and/or deduct any profits gained by such clients as a result of such manipulation or
abuse, including by closing any open positions in the applicable client’s account(s) with eToro, and/or (iii) deny,
withhold, or withdraw that client from the program and any future other promotion.

Client who acted against the eToro Community Guidelines after being warned for any reason and/or were blocked
from eToro websites, will not be entitled to receive any reward.

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