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STAR 8 Subscription Program Terms and Conditions DESCRIPTION OF SERVICES:

STAR 8 offers subscription-based programs with digital wallet, payment and transaction usage through STAR8Wallet, and transit insurance coverages through STAR8Ship, at various tiered rates, based on member volume.

1. Members that setup STAR8 or STAR8+ Subscription accounts (“Subscription"), will be automatically enrolled in STAR8Wallet for identity verification, account setup, and to setup payment for any fees or payments accrued within STAR 8 Financial accounts. The Terms & Conditions of STAR8Wallet are specified here. You must have an active STAR8Wallet account in order to utilize STAR8Ship. You do not need an active STAR8Ship account in order to utilize STAR8Wallet.

2. SUBSCRIPTION SERVICE: Your subscription begins as soon as your initial payment is processed. Your subscription will automatically renew each month without notice, until you cancel. You authorize us to store your payment method(s) and to automatically charge your payment method(s) every month until you cancel. We will automatically charge you the then-current rate for your plan, plus applicable taxes, every month upon renewal until you cancel.

We may change your plan’s rate each monthly renewal term, and we will notify you of any rate change with the option to cancel. If the applicable VAT or GST rate (or other included tax or duty) changes during your one-month term, we will accordingly adjust the tax-inclusive price for your plan on your next billing date.


If your primary payment method fails, you authorize us to charge any other payment method in your account. If you have not provided us a backup payment method(s) and you fail to provide payment, or if all payment methods in your account fail, we may suspend your subscription. You can edit your payment information anytime in your STAR8Wallet profile in app.


The status of your STAR8Ship Account does not affect the status of your STAR8Wallet. However, the status of your STAR8Wallet Account will affect the status of your STAR8Ship Account

3. SCOPE OF SERVICES: STAR 8 Financial Inc. (“STAR 8”) acts as a shipper’s-agent to arrange, organize and/or manage transportation and provide ancillary services, including but not limited to U.S. export filing services (if applicable) and billing solutions. Upon request of customers, STAR 8 will also include customers’ goods for which shipper’s agent services are being performed under an insurance policy issued to STAR 8 (the "Insurance Policy") which is underwritten by an authorized insurance company (the "Insurance Underwriter") and produced by its insurance broker. STAR 8 is not an

insurance company, customs broker or air carrier of any type. Use of STAR 8’s services constitute acceptance of these Terms and Conditions. Adherence to these Terms and Conditions is a condition precedent for customers’ goods to be included and protected under the Insurance Policy.

4. Subscription Program Benefits, Product Eligibility, and Other Conditions

a. The Subscription Program offered by STAR 8 benefits only apply to Customer’s individual STAR8Wallet, Authorized Transactions, STAR8Ship and Approved Shipping Locations (Section 12).

b. Shipping of eligible items, which are determined by STAR 8’s sole discretion (“Eligible Products”) shipped through the Customer’s approved pick-up locations.

c. Eligible Products will be clearly identified as such on the STAR8Wallet.com website.

d. Designation of Eligible Products is subject to change at any time at STAR 8’s sole discretion.

e. The Maximum Insured Value of $50,000 is limited to the true market value of the item and will require specific verification, which will include, but are not limited to, photo evidence, purchase and sale invoices, and the original transaction amount through STAR8Wallet.

f. The Subscription Shipping Program benefits only apply to shipments placed by Customers within the 48 contiguous United States for shipment by the Customer or customer locations in the 48 contiguous United States.

5. Individual Membership Subscription Tier Benefits

a. STAR8 Subscription Members: $99.00 Per Month, billed monthly. Members may cancel at any time. Months will not be prorated. Customer will receive Standard Overnight shipping at $25 Per Package with Insurance on up to $10,000 in insured value for Eligible Products weighing no more than 1lbs in total package volume. Packages shipped above this weight will be subject to additional handling surcharges as detailed by the STAR8 Schedule of Fees.

b. STAR8+ Subscription Members: $199.00 Per Month, billed monthly. Members may cancel at any time. Months will not be prorated. Customer will receive Standard Overnight shipping at $22 Per Package with Insurance on up to $50,000 in insured value for Eligible Products weighing no more than 1lbs in total package volume. Packages shipped above this weight will be subject to additional handling surcharges as detailed by the STAR8Ship Schedule of Fees.

6. On-Demand Usage Purchases: Your on-demand usage of shipping label creation, insurance coverage, and shipment, is charged per shipment, per package as denoted by your STAR8 Subscription Membership tier. On-demand usage of purchases of shipments, labels and coverage are not refundable. As soon as your label is processed, your account will be billed. You authorize us to store your payment method(s) and charge it for all your purchases until you change your payment method. You can edit your payment information anytime in your STAR 8 Account page.


7. Accessorial and Applicable Service Charges: STAR 8 reserves the right to bill for Accessorial Charges and Applicable Service Charges, which are made by the courier. These are in addition to your On-Demand usage charge as stated above at your respective tier. Additional fees and service charges are available in the STAR8Ship Schedule of Fees.

a. Additional Insurance: Any declared value coverage above $10,000.00 or $50,000.00 in your STAR8 or STAR8+ Respective shipments is charged at a $0.15/$100.00 USD coverage. STAR8 accounts are capped at $10,000.00 coverage.

b. Weight Overages: STAR 8’s On-Demand Usage covers up to 2LB (Pound) in total shipping weight, including any packaging, inserts, and double boxing. Any additional weights are charged by the pound (as per the carrier) and billed at $3.50/lb.

c. Address Change: Any Address Change as made by the customer or the receiving party, is subject to an Address Change fee.

d. Saturday Delivery: Packages set for Saturday delivery are subject to a Saturday delivery surcharge. While packages are set to deliver on Saturday, the carrier will only attempt one delivery. Packages not received, regardless of reason, will not be eligible for a credit.

e. Residential Delivery: Packages set for Residential delivery are subject to a Residential delivery surcharge. It is the responsibility of the Member to notate a Residential Address. Failure to do so may result in additional surcharges from the carrier that will be passed down to the Member.

f. Out of Service Area: Packages sent to addressed deemed “Out of Service” or “Rural” are subject to a surcharge.

g. Hawaii and Alaska: STAR 8’s On-Demand Usage covers the shipping of packages in the Continental United States. Hawaii and Alaska have an additional per package surcharge.

h. Fuel Surcharges: Our carrier may bill Fuel Surcharges as based off the carrier’s listed schedule at https://www.fedex.com/en-us/shipping/fuel-surcharge.html

8. EARNING REWARDS WITH STAR 8 Rewards: For STAR8+ Members Only: All invoices, including membership dues paid to STAR 8 using your STAR8Wallet are eligible for a 1.5% cash back in the form of available credit in your STAR8Wallet balance. These amounts are manually issued within 7 days of your invoice being paid. This rewards balance is subject to change with notice.

9. SECONDARY PAYMENT METHOD: STAR 8 requires a credit card on file to be used as a secondary payment method. This backup is only charged when there are insufficient funds in your STAR8Wallet or if you authorize the credit card as your primary method. All credit card transactions have an additional 3.9% credit card processing fee.

10. AUTOPAY: When setting up your STAR 8 Subscription, you may setup Autopay. This Autopay feature allows STAR 8 to bill you monthly for the Subscription fee on a specified date every month until cancelled.


11. FOR YOUR USE ONLY: STAR 8 Subscription Membership is for your individual business use only. Resale, redistribution, or sharing your account is strictly prohibited. Any member suspected of reselling or sharing their account will result in an immediate suspension of your account and is subject to an account adjustment that matches the suspected number of outside subscriptions (e.g. if 3 people are suspected of using this same account, we reserve the right to bill you our subscription rate x 3). Each shipping location requires an additional STAR8 or STAR8+ Subscription. Please refer to Section 12 for more details.

12. APPROVED SHIPPING LOCATIONS: You may only send and receive packages from your pre-approved shipping locations. Your Subscription includes up to 2 Locations. These Locations are usually your Headquarters or your Primary Office. Failure to do so may result in coverage being waived and your account to be suspended at the discretion of STAR 8. This is subject to change without notice.

a. During Travel and Tradeshows: You may ship packages to and from Tradeshows and to other locations while traveling. Individual shipments may qualify upon approval and notice to STAR 8 or through STAR 8’s registered list of authorized events.

b. Adding Additional Approved Shipping Locations: If your company has more than 3 locations under your company’s direct ownership, STAR 8 offers the option of adding Additional Approved Shipping Locations is $50.00 per location, per month, in addition to your STAR8 or STAR8+ Subscription.

13. ENGAGED TRANSPORTATION CARRIERS: As the member, you authorize STAR 8 to select and engage transportation carriers and other vendors on your behalf pursuant to their contractual terms to which you will be bound in all instances. Shipper’s-agent services may also be performed by STAR 8 relating to carriers and other vendors selected by the customer and/or engaged directly by the customer on the customer’s independent account. In either event, carriers and other vendors to whom goods are entrusted limit their liability. If you intend to protect your goods under the Insurance Policy, do not declare value with transportation carriers or other vendors. You may forego using the Insurance Policy and increase a carrier or vendor’s liability by declaring a value and paying an additional charge subject to their contractual terms, but you must arrange for such excess liability through STAR 8 if the transportation carrier or other vendor is engaged by STAR 8 or under STAR 8’s account. Any declaration of value by you directly to any carrier or vendor engaged by STAR 8 or engaged under a STAR 8 affiliated account will not result in increased liability of that carrier or vendor. STAR 8 will request excess liability from the carrier or vendor on your behalf only upon your written

instruction, for which additional charges will apply. Carriers and other vendors may refuse declared value for liability. In the absence of your written instruction to declare value with a carrier or other vendor or if any carrier or other vendor refuses declared value for liability, the goods may be tendered to carriers or other vendors subject to their liability limitations and in some instances special liability waivers, which will apply to the transportation of your goods and to which you will be bound. In the event of an instruction by you or any other party to any carrier or other vendor that conflicts with any contractual terms between STAR 8 and that carrier or other vendor, the contractual terms between STAR 8 and that carrier or other vendor shall prevail. Rather than attempting to effect recovery against carriers under liability terms, STAR 8 offers you the opportunity to protect your goods under STAR 8’s Insurance Policy.

14. COVERAGE DETAILS: Although coverage under the Insurance Policy may be extended to members’ goods, STAR 8 is the only named insured under the Insurance Policy. The Insurance Policy under which shipments are insured for physical loss and/or damage in the course of transit is extended under insuring conditions, limitations and exclusions. STAR 8, in its sole discretion, reserves the right to decline certain shipments be included under the Insurance Policy. Confirmation of insurance eligibility and inclusion under the Insurance Policy shall only be upon your receipt of a STAR 8 issued confirmation number for each shipment. The terms of the Insurance Policy are summarized as follows:

a. Commodities: Exclusively covering jewelry, time pieces, precious metals, and pearls and gemstones (loose or set). Other lawful goods may be covered subject to approval in writing prior to shipment.

b. Valuation: Insure your goods for selling price if sold prior to shipment or otherwise actual cash value / replacement value. You should insure for 100% value; if you understate value, you will bear the extent of deficit in the event of a partial loss. In the event you overstate value, your coverage will be limited to actual value.

c. Limit of Liability: Please refer to your Certificate of Insurance for the applicable coverage limit, which shall determine your maximum coverage(s). A country-specific sublimit may also apply. The maximum coverage in all events will be limited to the amount for which you insure your goods. No customer deductible will apply unless otherwise noted in the Certificate of Insurance.

d. Requirement of Signature at Delivery: Coverage applies exclusively to shipments with designated approved carriers under terms requiring Direct Signature upon delivery. You must not tender any shipment to a carrier under a “waiver of signature,” “release signature status” or similar service booking, agreement or arrangement with the carrier as you will void coverage under the Insurance Policy by doing so. If the consignee allows the carrier to effect delivery without signature, coverage under the Insurance Policy will be void. Except if released by the carrier without signature against your instruction, without your knowledge and as a result of exclusive fault of the carrier, no insurance claim can be made for any shipment delivered without a signature for any reason if the shipment is confirmed delivered by the carrier’s tracking information.

e. Duration: Confirmed coverage commences upon goods being retrieved by or tendered to STAR 8 or the designated approved carrier, as determined by carrier tracking information. Coverage continues in the course of transit and until delivery is made at the consigned destination or until the expiry of fourteen (14) days, whichever occurs first. Delivery is made when a package is signed for at the consigned location, as determined by the carrier’s tracking information. Shipments signed for by any apparent representative (e.g., concierge, doorman, front desk clerk, residence occupant, security guard) at the delivery address shall be deemed delivered. Notwithstanding the foregoing, coverage may be cancelled in the course of transit in the event you, the shipper, or consignee do not cooperate or are unresponsive to facilitate or accept delivery; in such event, it is your burden to prove any loss occurred during the coverage period.

f. Refused Shipments Returned: In the event of coverage and a shipment is returned to the shipper because of refusal or inability of the consignee to facilitate or accept delivery, coverage is extended until the sooner of redelivery to the shipper or the expiry of thirty (30) days from the date that the goods were retrieved by or tendered to STAR 8 or the designated approved carrier, as determined by carrier tracking information.

g. Exclusions: As with all insurance, coverage under the Insurance Policy is subject to exclusions which specifically include: (I) seizure of goods, including seizures by custom authorities; (II) war risks for domestic U.S. shipments; (III) radioactive contamination; (IV) delay; (V) inherent vice; (VI) loss of, damage to or breach of data or other non-tangible content; (VII) fraud by you, the shipper or consignee; (VIII) cyber attacks; (IX) illicit trade; (X) concealed damages and losses (within sealed packages delivered intact); (XI) mechanical/electronic derangement to used or unsealed new merchandise; (XII) damages attributable to insufficient packing; (XIII) breakage to fragile and delicate items such as those used for clocks or glassware; (XIV) false/erroneous information provided by you, the shipper or consignee; package labels being changed or revised in the course of transportation for the purpose of fraudulent redirection; (XV) shipments being sent as a result of fraud or trick upon the customer, shipper and/or consignee (including but not limited to product orders made by imposters); and (XVI) abandonment by you, the shipper or the consignee. Coverage under the Insurance Policy is also excluded for: (XVII) all risks of a shipment being re-routed, stopped in transit or retrieved at a point other than the original consigned delivery point pursuant to any instruction or representation to the designated approved carrier by a fraudster or imposter. C.O.D. shipments may be insured, however the C.O.D. payments are not covered and there is no coverage for the collection/return of C.O.D. payments. Consequential and indirect damages, such as loss of market, depreciation, or diminution in value as a result of repair, are not recoverable. In the event of loss or damage to pairs or sets, recovery will be limited exclusively to the item lost or damaged.

h. Limited Fraud Coverage for U.S. Customers: Notwithstanding coverage exclusion numbers VII, XV and XVII under section 3(g) of the STAR 8 Terms and Conditions, and subject to all other terms herein and in the Insurance Policy, the Insurance Policy will provide coverage for risk of fraud perpetrated against you as a shipper which results in the designated approved carrier either delivering a covered shipment to an address other than the address originally consigned or releasing a covered shipment at a station of the designated approved carrier to someone other than the originally named consignee (the “Limited Fraud Coverage”). The Limited Fraud Coverage is exclusively available for STAR 8 accounts opened in the United States and for shipments originating and deliverable within the United States. The Limited Fraud Coverage is subject to a maximum limit of $50,000 (fifty thousand United States dollars) per calendar year and is extended strictly upon each of the following conditions precedent being met: (I) the designated approved carrier must be Federal Express, Inc..; (II) the covered shipment must be consigned to a business address; (III) you must verify the consignee’s contact information and initiate contact with the consignee to confirm their identity and the legitimacy of the product order in advance of shipment and have proof of such contact; (IV) you must not under any circumstance release the shipment tracking number to the consignee or any third party; and (v) you must not participate or conspire in any such fraud or have advance knowledge or awareness of such fraud being perpetrated against you.

i. Requirement of Inspection and Exception to Carrier at Time of Delivery: The consignee or its representative must carefully inspect the shipment immediately at time of delivery in the presence of the delivering carrier's personnel and make written exception with such personnel for any evidence of damage, loss, tampering, penetration or invasion of the shipping package. Except for disappearance of the entire package in transit prior to delivery, failure to make written exception with the delivering carrier will preclude insurance coverage for any loss or damage which you may discover. Delivery accepted under a condition of “subject to inspection” or similar language will not constitute the required written exception.

j. Claim Reporting Limitation: You should immediately report to STAR 8 in writing any loss or damage to insured goods but in order for a claim to be considered by the Insurance Underwriter you must in all events do so no later than sixty (60) days from the date of shipment delivery, or in the event of non-delivery, (60) days from the date of scheduled delivery or if none then from the date the shipment should have reasonably been delivered to the original consignee. In the event of a covered refused shipment returned, this period shall be increased to seventy-five (75) days.

k. Claim Process: By making any claim, you warrant that you are the sole owner of such claim and that you have not released any third party from liability for the claim (including but not limited to the designated approved carrier). The Insurance Underwriter has the exclusive authority to determine all issues of

insurance coverage and claim settlement. You, the shipper and consignee must all fully cooperate in providing all documentation and information pertinent to a claim, including an examination under oath if requested. Should the Insurance Underwriters dispute liability or coverage for any reason, you shall have no recourse against STAR 8 and STAR 8 shall not be under any responsibility or liability in relation thereto. Unless prohibited by applicable law, any dispute between you and the Insurance Underwriters shall be resolved by binding arbitration in Los Angeles, California pursuant to the Commercial Rules of the American Arbitration Association, by a panel of three arbitrators each with a transportation and insurance background appointed in accordance with those rules.

l. Effect of Claim Payment: Payment of any claim shall be without precedent as to any other or future claim and shall be without prejudice to any rights, remedies or defenses inuring to the Insurance Underwriter’s benefit under the Insurance Policy and these Terms and Conditions. Upon any claim payment, the Insurance Underwriter is automatically assigned and subrogated to any and all rights of recoveries against all third parties relating to the claim, including but not limited to the designated approved carrier. You agree you will cooperate with subrogation efforts by the Insurance Underwriter and you hereby allow the Insurance Underwriter to pursue claims with, and file legal actions against, third parties in your name. All subrogation recoveries from third parties by the Insurance Underwriter shall be the sole property of the Insurance Underwriter.

m. Notice of Full and Additional Terms: Under all circumstances, the terms and conditions set forth in the Insurance Policy issued to STAR 8 shall control and determine insurance coverage. To the extent any terms and conditions stated herein indicate insurance coverage excluded under the Insurance Policy, the Insurance Policy shall control and be binding as to issues of insurance coverage. The name and contact information of the Insurance Underwriter is available upon request and you may also make a written request to STAR 8 to obtain a copy of the Insurance Policy. STAR 8 reserves the right to change Insurance Underwriters and to allow insuring terms for its coverage to be modified in STAR 8’s sole discretion at any time and without notice, provided that coverage shall always substantially adhere to the summary herein and shall absent notice be without interruption.

15. SHIPPING RULES & RESTRICTIONS FOR COVERAGE: In order to ship with STAR 8 and for the coverage under the Insurance Policy described herein to apply, you must be an approved customer and strictly abide by the following shipping rules and restrictions which are condition precedents for any claim recovery:

a. Notify the Consignee: You must notify the consignee of the shipment and content prior to delivery and of the consignee’s obligation to give timely notice of non-receipt and to carefully inspect the shipment at time of delivery in the presence of the delivering carrier's personnel and to make written exception with such personnel for any evidence of damage, loss, tampering, penetration or

invasion of the shipping package. The consignee’s failure to do so will preclude recovery.

b. Double Box: Unless otherwise authorized by STAR 8 in writing, all packages must be double boxed in new boxes and packaging and must include the tracking number on the inner box. The inner box must not be a small jewelry box which could be easily identified and/or discarded. Envelopes and packs are not eligible for coverage.

c. Select a Billing Option: When preparing packages, you must use the built-in carrier account number associated with STAR 8. Use of your own independent account number with the carrier is a violation of our Terms and Conditions unless the carrier account number has been designated by STAR 8 as an approved carrier for your shipments.

d. Package and Tender to Carrier: All packages must be properly packed and sealed to withstand the ordinary rigors of shipment. Unless otherwise authorized by STAR 8 in writing, packages must be picked up at a shipper location, handed to a carrier staff driver or taken to a carrier or STAR 8 staffed location. You must obtain a receipt for any packages dropped off at a retail location that has been authorized by STAR 8 in writing. You must not use unmanned drop boxes or any location without carrier employed personnel.

e. Report Shipments to STAR 8 Same Day: Through STAR8Ship, packages and coverage are reported on-demand. You are liable to report shipments to STAR 8 on the same day of shipping. Shipping without a STAR 8-issued confirmation number will result in an uninsured shipment. Automated receipt of a STAR 8 confirmation number shall be adequate confirmation.

f. Declare a Value for Insurance: Packages reported without a value declared for insurance shall be uninsured shipments and any recovery under liability terms will be US$100 or less.

g. Do not Reveal Package Content: Unless otherwise instructed by STAR 8 in writing, you must not allow any indication of high value content to appear on a waybill, labeling or package exterior. For example, never reference brands or auction houses or use words such as “jewelry,” “watch,” “diamond,” “pearl,” or abbreviations such as GIA. This rule does not apply where international customs regulations require that such information be included.

h. Do not Declare a Value with the Carrier: Unless otherwise instructed by STAR 8 in writing, you must never declare a value for liability or any other purpose with the approved carrier or any other vendor. Otherwise, you may void coverage under the Insurance Policy. In the event STAR 8 instructs you to declare a value with any vendor, such declaration of value shall be for purposes of security protocol and shall not result in increased liability of that vendor.

i. Shipping Reports: Unless otherwise instructed by STAR 8 in writing, you must never give to the carrier or ship with the package your daily shipping report and the values shipped; these are for your records only and must be treated by you as confidential.

j. Certain origin Zip Codes Require Special Instructions: On packages sent from New York zip codes 10036, 10017 and from Los Angeles zip codes 90013, 90014, 90015, 90016 and 90017, the shipper must use an alternate address on the carrier’s waybill that is not one of these zip codes. You may use STAR 8’s office address for this purpose.

k. Certain destination Zip Codes Require Special Permission and Instructions: Packages with a declared value for insurance of US$5,000 or greater and being sent to New York zip codes 10036 or 10017 are subject to special permission and instructions. All packages being sent to Los Angeles zip codes 90013, 90014, 90015, 90016, 90017 or to Beverly Hills area zip codes 90048, 90209, 90210, 90211, 90212, 90213 are also subject to special permission and instructions. For shipments not generated using STAR 8’s online tools (website, mobile applications, API), call STAR 8 for additional information and instructions. STAR 8 reserves the right to implement special permission and instruction requirements for additional regions upon notice.

l. Furnish Accurate and Complete Information: You must accurately and comprehensively provide all information and documentation necessary for STAR 8 to perform its services hereunder, upon which STAR 8 and the Insurance Underwriter will rely. Your errors or omissions in furnishing information and documentation will void insurance coverage and may result in losses and liabilities for which you will be responsible.

m. Maintain Packaging: No claims for loss or damage shall be valid unless the package, inner cartons, packing and contents have been preserved until made available for inspection by STAR 8 or the Insurance Underwriter.

16. STAR8Ship Tracking (“STAR 8 Tracking”): STAR 8 TRACKING is an ancillary shipment monitoring and select claims data analysis service offered to STAR 8 customers for eligible shipments in the United States. If your shipments are eligible and you elect to use STAR 8 TRACKING, charges for STAR 8 TRACKING services may be applied to your invoice for other STAR 8 services and solutions. In the event of no other STAR 8 services or solutions, charges for STAR 8 TRACKING services will be independently invoiced. All STAR 8 TRACKING services, including all information provided by such services, are provided “as is” and STAR 8 disclaims any and all warranties of all types, whether express or implied. STAR 8 specifically disclaims any warranty with respect to the accuracy and/or completeness of the information provided. Neither STAR 8 nor any of its affiliates shall have any liability arising from STAR 8 TRACKING services, including any liability for direct or indirect, special, incidental, consequential, loss of use or lost profit damages even if advised of the possibility such damages may be incurred. In the event that STAR 8 or any of its affiliates are nevertheless found liable for any STAR 8 TRACKING services, such liability shall be subject to section 7 of these Terms and Conditions. By using STAR 8 TRACKING, you acknowledge and agree that STAR 8 retains all rights to data provided in the course of STAR 8 TRACKING services and that you shall not sell, transfer, sha

TRACKING with any third party.

17. COMPENSATION OF STAR 8: The compensation of STAR 8 for its services shall be included with and is in addition to the rates and charges of all vendors selected by STAR 8 for the services provided. However, duties and taxes for shipments are not included. In the event that any duties and/or taxes for any shipment are invoiced to the account of STAR 8 and/or paid by STAR 8, then STAR 8 will charge you such amount(s) plus, as well as, an administrative fee per shipment at the first instance and up to $100 for each instance thereafter and you agree that STAR 8 may automatically charge such amount(s) plus the administrative fee to the credit card associated with your account. You agree to pay all charges and to comply with all terms of credit, if any. The shipper, consignee and you shall be jointly and severally liable for all charges owed to STAR 8 and for any fines, penalties or other damages or liabilities to third parties incurred by STAR 8 as a result of any shipment. Charges shall be refunded in the event of cancellation prior to time of package tender but shall not be refunded in the event of any loss not covered by the Insurance Policy. STAR 8 shall have a general lien on any claim settlement and on all goods which are pending delivery for all outstanding charges, expenses or advances incurred by STAR 8 in connection with any of your shipments. Unless all outstanding charges are satisfied within thirty (30) days of written notice of lien from STAR 8, STAR 8 shall have the right to deduct such charges, expenses or advances from any claim payment otherwise payable to you and/or to sell goods at public or private sale or auction, with any net payment or proceeds being paid or refunded to you and any net deficiencies remaining owing.

18. LIABILITY OF STAR 8: As a shipper’s-agent in arranging, organizing and/or managing transportation and providing ancillary services, including STAR 8 TRACKING services and facilitating coverage under the Insurance Policy, STAR 8 has no carriage liability and is only liable for its independent negligence, errors and omissions for which it limits its liability to US$50 per shipment. In the event your goods are lost or damaged while in the custody of STAR 8, liability shall be limited to US$100 per shipment unless you separately declare in writing a higher value with STAR 8 for liability purposes. You agree to indemnify STAR 8 of any third-party claim arising from services performed for you which seeks greater liability than that assumed by STAR 8 under these Terms and Conditions. In the event of a dispute between you and STAR 8 or any affiliate or agent of STAR 8, you agree it will be resolved under California and U.S. law by binding arbitration in Los Angeles, California pursuant to the Commercial Rules of the American Arbitration Association, by a panel of three arbitrators each with a transportation and insurance background appointed in accordance with those rules. As such, you, waive the right to have a trial by jury. Arbitrations will take place on an individual basis; class, mass, consolidated or combined actions or arbitrations or proceeding as a private attorney general are not permitted. You must make written claim against STAR 8 within sixty (60) days from the date of shipment delivery, or in the event of non-delivery, (60) days from the date of scheduled delivery or if none then from the date the shipment should have reasonably been delivered and you must also make written demand to STAR 8 for

arbitration within one year from such date. Failure to make timely written claim or written demand for arbitration will preclude any liability of STAR 8.

19. ENTIRE AGREEMENT; CUSTOMER WARRANTIES; TERMS AND CONDITIONS SUBJECT TO CHANGE: No oral modification of these Terms and Conditions is permitted and no STAR 8 employee shall have authority to orally modify these Terms and Conditions. These Terms and Conditions together with the rate sheet shall constitute the entire agreement between you and STAR 8. You warrant all goods tendered are legally compliant for the shipment requested and that you have the authority of your company, of the shipper, of the consignee and of any third party with any interest in the goods shipped to bind them to these Terms and Conditions and you hereby do so. In preparing and making export filings and performing all other services hereunder, STAR 8 shall be entitled to rely upon the accuracy and completeness of all information provided by you and/or the shipper. STAR 8 shall have the agency authority which is hereby granted to act on behalf of the shipper, consignee and/or any other beneficial owner of the goods to make export filings and perform all other tasks reasonably necessary to perform the services. STAR 8 reserves the right to modify these Terms and Conditions from time to time and without notice. Shipments will be governed by the Terms and Conditions in effect at the time of shipment, as may be verified online after login at www.star8wallet.com.

U.S. and International. April 20, 2021.

STAR8 and STAR8 + Subscription Schedule of Fees

This document contains all of STAR8 Subscription respective schedule of fees.

STAR8Wallet funds are held in a For Benefit Of (FBO) Account that is managed by STAR 8 Financial Inc and maintained by Reserve Trust Company. This Fee Table and Member Agreement Rates are subject to change with notice per STAR 8’s Terms & Conditions. Last updated: April 20, 2021.

STAR8 Membership $99.00 STAR8 Standard Membership has a $99 monthly fee. There is no per transaction fee. Additional tiered charges for on demand usage are listed below.

STAR8+ Membership $199.00 STAR8 Standard Membership has a $199 monthly fee. There is no per transaction fee. Additional tiered charges for on demand usage are listed below.

STAR 8 Silver (Grandfathered) $0.00 STAR 8 Silver is a discontinued, grandfathered program. There is no monthly fee. Additional tiered charges based off transaction value apply. For full subscription rate fees, please click here.

STAR8Wallet Member

Transaction Fee 0.0% Sending funds is 0.0% per transaction, one way. This fee adjusts based off your STAR 8 subscription tier. There are no hidden STAR 8 fees.

STAR8Wallet Grandfathered

Transaction Fee 0.1% Sending funds is 0.1% per transaction, one way. This fee adjusts based off your STAR 8 subscription tier. There are no hidden STAR 8 fees.

STAR8Wallet Credit Card

Transaction Fee 2.99% + $0.30 Transactions that utilize a credit card are subject to an additional fee on top of the STAR8Wallet Transaction Fee.

STAR8id Verification (Per User) $2.50 Each individual verification processed through STAR 8 Software (Open API) for 3rd Party Platforms by 3rd Parties.

Same Day ACH Withdrawal Limits

for Checking Accounts Up to $250,000 Any Withdrawal from your STAR8Wallet to your traditional checking account, processed before 10 AM PST will land in your account by End of

Business Day. All others will take 1-2 business days depending on your bank’s ACH procedures.

Monthly Service Fee $0.00 $0.00

Incoming and Outgoing ACH fees $0.00 $0.00

Wire fees N/A STAR 8 does not support wires as we support ACH Origination and direct linking with your Online Banking account through Plaid™.

Cross Border/Currency

Conversion Transaction N/A At this time, STAR 8 does not support international transactions or currency conversions.

ACH Return and Credit Card

Chargeback Fee $35.00 Fee Any returned funds or chargeback is subject to a $35.00 fee.

Non-Sufficient Funds Fee $25.00 Fee Any Account with Non-Sufficient Funds

Additional Agreements, Notices and Fees

Interest Does not earn interest Your funds can only be accessed with your authorization. STAR 8 and its banking partner, Reserve trust does not reinvest or reallocate your funds.

Charter Bank Protections? YES Reserve Trust is a Chartered Bank operating under the Office of the Comptroller of the Currency (OCC). Because of this, your funds are stored directly stored in the Federal Reserve and do not require insurance from retail and traditional banks under FDIC.

Member FDIC? No Reserve Trust is a Charter Bank with a direct relationship with the Federal Reserve, so membership of the FDIC is excluded.



STAR8Ship Accessorial Charges

Additional Insurance: Any coverage above your Subscription’s included coverage is charged at $0.15 Per $100 in Coverage. This Additional Insurance is rounded up to the nearest $100 in Coverage.

For STAR8 Subscription Members, any coverage exceeding $10,000.00 is not covered under On-Demand Usage terms. Additional Insurance is required as listed above.

For STAR8+ Subscription Members, any coverage exceeding $50,000.00 is not covered under On-Demand Usage terms. Additional Insurance is required as listed above. Packages declared over $50,000.00 require the Member to contact their STAR 8 Representative for approval.

Weight Overages: STAR 8’s On-Demand Usage covers up to 2LBs (Pound) in total shipping weight. Any additional weights are charged by the pound (as per the carrier) and billed at $3.50/lb.

Address Change: Any Address Change as made by the customer or the receiving party, is subject to an Address Change fee of $18.00 per change.

Saturday Delivery: Packages set for Saturday delivery are subject to a Saturday delivery surcharge of $18.00. While packages are set to deliver on Saturday, the carrier will only attempt one delivery. Packages not received, regardless of reason, will not be eligible for a credit.

Residential Delivery: Packages set for Residential delivery are subject to a Residential delivery surcharge of $5.00. It is the responsibility of the Member to notate a Residential Address. Failure to do so may result in additional surcharges from the carrier that will be passed down to the Member.

Out of Service Area: Packages sent to addressed deemed “Out of Service” or “Rural” are subject to a surcharge of $6.00.

Hawaii and Alaska: STAR 8’s On-Demand Usage covers the shipping of packages in the Continental United States. Hawaii and Alaska have an additional per package surcharge of $18.00.

Adult Signature: Packages requesting an Adult Signature Required are subject to a surcharge of $1.00.

Fuel Surcharges: Our carrier may bill Fuel Surcharges as based off the carrier’s listed schedule at https://www.fedex.com/en-us/shipping/fuel-surcharge.html

International Shipments: Your Subscription allows you to ship Packages Internationally to the following Countries: Australia, Denmark, France, Germany, Greece, Hong Kong, Japan, Puerto Rico, Spain, Sweden, Singapore, Switzerland, Taiwan, and the United Kingdom. There is no coverage on Packages shipped to other Countries outside of this list. The maximum coverage on an International Shipment is $40,000.00 USD.

Packages being shipped Internationally follow these fees:

Base Shipment Charge of up to 2 LBs in Total Shipping Weight with a Maximum of $40,000 in declared value coverage $165.00 Per Package

Additional Per Pound Charge $10.00 Per LB

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