Redemption Policy

1. Purpose

This Reward Point Conversion & Redemption Policy explains how Reward Points are earned, transferred, converted into BVN Credits, and, where eligible, redeemed through the Bosse Value Network (“BVN”) Platform. This Policy is intended to promote transparency, protect users, reduce fraud, and support compliance with applicable laws and payment partner requirements.

2. Scope

This Policy applies to:

Individual users Business Accounts Merchant Accounts Enterprise Accounts Reward Point programs Point transfers Point conversions Credit Wallet balances Redemption requests

3. Definitions

For purposes of this Policy: Reward Points – Promotional loyalty units issued through the BVN Platform. BVN Credits – Platform credits created when eligible Reward Points are converted under BVN’s published conversion methodology. Credit Wallet – The section of a user’s account displaying available, pending, or restricted BVN Credits. Redemption – A request by an eligible user to redeem qualifying BVN Credits in accordance with this Policy.

4. How Reward Points Are Earned

Reward Points may be earned through authorized BVN programs, including:

Purchases from participating merchants Merchant loyalty programs Promotional campaigns Referral programs Customer appreciation programs Employee recognition programs Subscription benefits Bonus promotions Other BVN-approved activities

Reward Points issued outside authorized programs may be removed without notice.

5. Reward Point Eligibility

Only Reward Points that have been validly issued and remain in good standing are eligible for conversion. Reward Points may become ineligible if they:

Were issued in error Were obtained fraudulently Are subject to a payment reversal Were awarded in violation of BVN policies Have been restricted due to an ongoing investigation

6. Point Transfers

Eligible users may transfer Reward Points to other eligible BVN users through authorized Platform features. Transfers are subject to:

Identity verification requirements Account standing Fraud monitoring Subscription plan limits Daily, weekly, or monthly transfer limits Applicable laws

Completed transfers are generally final unless reversal is required because of fraud, technical error, or legal obligation.

7. Point-to-Credit Conversion

Eligible Reward Points may be converted into BVN Credits through the Platform. Conversion requests are subject to:

Identity verification (where required) Fraud screening Account review Minimum conversion thresholds Published conversion methodology Platform rules

Approval of a conversion request does not guarantee eligibility for redemption.

8. Conversion Rules

The conversion methodology is established by BVN and may be updated from time to time. Conversion may take into account:

Current platform conversion methodology Subscription plan benefits Promotional offers Operational considerations

BVN will apply the conversion methodology in effect at the time the conversion request is accepted.

9. Credit Wallet

Once a conversion is approved, BVN Credits will appear in the user’s Credit Wallet. The Credit Wallet may display:

Available Credits Pending Credits Credits under review Redemption history Administrative adjustments

Credits remain subject to ongoing fraud monitoring and compliance reviews.

10. Redemption Eligibility

A user may be eligible to request redemption of available BVN Credits if the user:

Maintains an active BVN account Is in good standing Has completed any required identity verification Meets applicable redemption thresholds Complies with BVN’s Terms of Service and related policies

Meeting these requirements does not guarantee approval of every redemption request.

11. Redemption Requests

Users may submit redemption requests through the BVN Platform. Each request may be reviewed before payment. Submission of a request does not create an obligation for immediate payment. BVN reserves the right to request additional information before approving a redemption.

12. Verification Requirements

Prior to approving certain redemption requests, BVN may require:

Government-issued identification Proof of address Confirmation of account ownership Business documentation (where applicable) Additional supporting documentation reasonably necessary to verify eligibility

Verification requirements may vary depending on the transaction and risk profile.

13. Fraud & Compliance Reviews

Every redemption request may be subject to automated and manual review. Reviews may evaluate factors such as:

Identity verification status Account history Redemption patterns Transaction velocity Device and login activity Geographic inconsistencies Payment history Fraud indicators

BVN may delay, deny, or request additional information before completing a redemption.

14. Processing Times

Processing times depend on factors including:

• Identity verification
• Fraud review

Payment processor availability Banking systems Weekends and holidays Technical maintenance Operational workload

Estimated processing times displayed on the Platform are estimates only and are not guarantees.

15. Withdrawal Methods

Approved redemption requests may be paid using payment methods supported by BVN from time to time. Available methods may change without prior notice and are subject to operational availability and applicable law.

16. Withdrawal Limits

BVN may establish redemption limits based on factors such as:

Subscription plan Account verification status Fraud risk Regulatory requirements Operational considerations

Limits may include:

Minimum redemption amounts Maximum redemption amounts Daily limits Weekly limits Monthly limits Lifetime limits

BVN may adjust these limits at its discretion with appropriate notice where required.

17. Redemption Fees

Applicable redemption fees will be disclosed before a redemption request is confirmed. Fees may vary based on:

Subscription plan Promotional offers Redemption amount Operational costs

18. Holds & Reversals

BVN may place temporary holds on Reward Points, BVN Credits, or redemption requests when necessary to:

Complete identity verification Investigate suspicious activity Resolve payment disputes Correct technical errors Comply with legal obligations Protect users or the Platform

BVN may reverse Reward Points, Credits, or redemptions that were issued, converted, or redeemed as a result of fraud, technical error, unauthorized activity, or other circumstances permitted by law and the Terms of Service.

19. Denied Redemptions

A redemption request may be denied for reasons including:

Failure to complete identity verification Fraud concerns Insufficient eligible Credits Violation of BVN policies Payment reversals Legal or regulatory restrictions

• Security concerns

Where appropriate, users may be provided with information about the next steps or additional documentation required.

20. Appeals

Users who believe a redemption request was incorrectly denied or delayed may submit an appeal through BVN’s customer support or compliance process. BVN will review eligible appeals and may request additional documentation before making a final determination.

21. Policy Updates

BVN may revise this Policy to reflect changes in:

Platform functionality Fraud prevention practices Legal or regulatory requirements Payment processor requirements Business operations

Updated versions become effective on the date specified in the revised Policy.

22. Contact Information

Bosse Value Network (BVN) Support: [email protected] Compliance: [email protected] Website: https://www.bossevaluenetwork.com

Business Address: 650 Hidden Valley Club Dr, Ann Arbor, MI 48104, United States