Mint Wallet Program Terms

1. Allocation of Metals:
   All customer purchases of gold and silver via Mint Wallet are allocated to the customer’s individual Mint Wallet account as a fractional interest in professionally vaulted wholesale bars (e.g., 100 oz gold bars, 1,000 oz silver bars). MintBuilder LLC acts solely as an agent and custodian of such holdings, facilitating storage and reporting via its account with IDS Texas.

2. Title and Ownership:
   Title to the metals remains with the customer at all times. MintBuilder does not claim ownership of customer holdings. Customers acknowledge that their holdings are fractional and part of larger allocated bars stored on their behalf.

3. Physical Delivery:
   Customers may request physical delivery of their holdings at any time by submitting a redemption request. Because the metals are stored in large wholesale bars, delivery will require conversion into deliverable form (coins, small bars, or grains). Conversion, fabrication, and delivery fees apply.

4. Trading & Transactions:
   All buy and sell transactions are agency transactions conducted by MintBuilder at prevailing market bid/ask prices, reflecting physical metals market conditions. Mint Wallet is not a speculative trading platform or investment vehicle and is not registered as a securities product or commodities pool.

5. Transparency & Reporting:
   Customers will have access to online statements showing exact balances, storage location, and transaction history. Audits of the storage facility are conducted by IDS Texas and MintBuilder for accuracy and reconciliation.

6. Disclaimers:
   Mint Wallet does not constitute an investment security, futures contract, derivative, or pooled commodity interest. MintBuilder LLC does not provide investment advice. Customers should consult their own financial, legal, or tax advisors.