Credium Prohibitions List

DFI CAPITAL MANAGEMENT LTD together with its majority-owned and controlled subsidiaries worldwide, offering services under the Credium® brand, is committed to upholding the highest standards of compliance, safety, and integrity across our financial ecosystem. Credium® is a registered trademark of DFI CAPITAL MANAGEMENT LTD. This Credium Prohibitions List outlines the categories of business activities, spending behaviors, and geographic locations that are either limited or prohibited when using Credium's services. The Credium Prohibitions List applies to all partners, platforms, and end users (e.g., cardholders and virtual account users) who interact with Credium Cards, virtual accounts, products, and systems.

I. Cardholder Prohibitions

A. Credium Cards cannot be issued to cardholders residing or registered in the following countries:

• Belarus
• China (Mainland)
• Cuba
• India
• Iran
• Iraq
• Israel
• Myanmar
• Nepal
• Nicaragua
• North Korea
• Russia
• Syria
• Turkey
• Ukraine
• Venezuela
• Vietnam

Credium Cards do not support onboarding or card use in jurisdictions that present heightened legal, regulatory, or sanctions risks. Cardholders in countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Credium Compliance leadership.

B. Credium Cards cannot be issued to entities engaged in the following types of businesses under any circumstances:

• Businesses involved in illegal or highly regulated activities, including but not limited to:
  • Distribution of illegal substances or controlled drugs without proper licensing
  • Human trafficking, prostitution, or escort services
  • Sale of counterfeit or unauthorized goods
  • Pyramid schemes, Ponzi schemes, or other deceptive practices
  • Production or distribution of illegal digital content (e.g., child exploitation)
• Political campaign fundraising or donation platforms

C. Credium Cards may be issued to entities with the following business models, subject to enhanced review and approval requirements such as evidence of licensing, regulatory compliance, and strong internal controls:

• Money Service Businesses (MSBs) and remittance services
• Cryptocurrency platforms and exchanges
• Charities and non-governmental organizations (NGOs)
• Precious metals dealers
• Online content or creator platforms (e.g., subscription-based streaming or tipping)
• Regulated gambling or fantasy sports operations

II. Spending Prohibitions

A. Credium Cards cannot be used for spending in the following countries:

• Cuba
• Iran
• North Korea
• Russia
• Syria
• Ukraine
• Venezuela

Card usage is prohibited in each of the countries listed above, regardless of whether the cardholder is an entity or an individual.

B. Credium Cards cannot be used for any of the following types of purchases:

• Purchase or trade of digital currencies
• Drug-related purchases, including marijuana, cannabis, CBD, and black-market items
• Payments on dark web marketplaces or for hacking/cybercrime services
• Internet pharmacies that are unlicensed or operate outside regulated jurisdictions
• Firearms, ammunition, or explosives (Corporate)
• Hazardous materials and chemicals without proper regulatory clearance
• Escort services or similar platforms
• Unlicensed or illegal auction sites
• Unregulated lending or payday loan services
• Data brokerage services, especially involving unauthorized personal data
• Purchase or trade of endangered species or wildlife products

III. Virtual Account Prohibitions

A. Credium virtual accounts cannot be opened or used by end users residing or registered in the following countries:

• Belarus
• China (Mainland)
• Cuba
• India
• Iran
• Iraq
• Israel
• Myanmar
• Nepal
• Nicaragua
• North Korea
• Russia
• Syria
• Turkey
• Ukraine
• Venezuela
• Vietnam

Credium virtual account access is not supported in jurisdictions that present heightened legal, regulatory, or sanctions risks. End users in countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Credium Compliance leadership.

B. Credium virtual accounts cannot be opened by entities engaged in the following types of businesses under any circumstances:

• Businesses involved in illegal or highly regulated activities, including but not limited to:
  • Illegal or controlled substance manufacturing or distribution, including drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals
  • Human trafficking, escort services, or mail-order bride operations
  • Sale of counterfeit or unauthorized goods, or intellectual property infringement
  • Pyramid schemes, Ponzi schemes, multilevel marketing (MLM), or other deceptive practices
  • Production or distribution of illegal or protected digital content (e.g., child exploitation material)
  • Illegal gambling or unlicensed gambling and betting operations
• Unlicensed money services businesses (MSBs), nested banking or nested payment processing operations
• Weapons, arms dealing or manufacturing, firearms, munitions, explosives, or fireworks
• Adult content, services, or classifieds
• Hate groups, or businesses promoting intolerance, violence, or hatred
• Trade in endangered or protected animals and wildlife
• Abortion-related services
• Direct marketing

C. Credium virtual accounts cannot be used for any of the following types of activities:

• Unlicensed or illegal gambling and betting
• Drug-related transactions, including controlled substances, drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals
• Transactions on dark web marketplaces or for hacking, cybercrime, or theft-related services
• Predatory lending, deceptive credit repair, or abusive debt-related services
• Unlicensed providers of licensed activities, including illegal cryptocurrency sales
• Weapons, firearms, munitions, explosives, or fireworks (where restricted)
• Poisonous or hazardous materials without proper regulatory clearance
• Espionage equipment and signal jammers or blockers
• Escort services or similar platforms
• Adult content, services, or classifieds
• Downloading, streaming, or distributing illegal or protected digital content
• Counterfeit goods, materials, or intellectual property infringement
• Trade in human remains or body parts
• Materials or activities promoting intolerance, violence, or hatred
• Purchase or trade of endangered species or wildlife products
• Abortion-related services
• Direct marketing