1. Legal Entities

Aircash d.o.o.

• Ulica grada Vukovara 271

• 10000 Zagreb

• Croatia

• Company registration number: [I99833713101]

• Regulator: Hrvatska narodna banka (HNB)

Aircash d.o.o. is authorised and supervised by the Croatian National Bank (Hrvatska narodna banka) as an electronic money institution operating under applicable EU payment services regulations.

Bitpanda Financial Services GmbH Stella-Klein-Löw-Weg 17 A-1020 Vienna Austria Regulator: Austrian Financial Market Authority (FMA) Bitpanda Financial Services GmbH provides execution-only services for derivatives linked to stocks, ETFs, and other financial instruments, regulated under applicable Austrian and EU financial services laws.

2. Which company Provides which service

Product Service Provider Regulator

Aircash Wallet (e-money, payments) Aircash d.o.o. HNB (Croatian National Bank)

Crypto-asset trading Bitpanda GmbH FMA (Austria) – MiCAR

Stocks/ETFs* Bitpanda Financial Services GmbH FMA (Austria)

The service provider may vary depending on your location and the product you use. For more details, please refer to the applicable Terms and Conditions.

* Stocks and ETF investment services are not yet available. This service is planned to be introduced at a later date. Availability will be subject to jurisdiction-specific regulations.

3. Availability of Services

"Aircash wallet and payment services are available across the EU.

Access to crypto trading and financial derivative services, powered by Bitpanda, is subject to local regulatory requirements and may not be available in all regions. Users resident in certain countries may have limited or no access to investment-related features within the Aircash app.

Access to products and services is governed by jurisdiction-specific regulations and may not be available in all regions."

4. Risk Disclosure

Investing involves risk. Please read the following carefully before making any investment decisions.

General Investment Risk Investing in crypto-assets, stocks, and ETFs involves significant risk. The value of your investment can go up as well as down, and you may lose all of the capital you invest. Past performance is not a reliable indicator of future results. Please ensure that you understand the risks before investing and consider seeking independent financial advice.

Crypto-Asset Risk Crypto-assets are highly volatile. They are not covered by investor compensation schemes in all jurisdictions. You may lose all of your invested capital. The information provided does not constitute investment advice, an offer, or a solicitation to buy or sell crypto-assets.

Stocks & ETFs Risk Investing in stocks and ETFs involves market risk. The value of securities can fall as well as rise. You may receive back less than you invest. Execution-only brokerage services for stocks and ETFs are provided by Bitpanda Financial Services GmbH. No investment advice is provided. Please consider your personal circumstances and consult an independent adviser before investing.

Other costs may apply (e.g. spreads, foreign exchange costs, product costs, and taxes) which may reduce your returns. Please review the Cost Information Document before investing.

Past Performance All historical market performance data is for illustrative purposes only. Past performance is not a reliable indicator of future results. Future performance may differ significantly from historical performance.

5. Standard Marketing Disclaimer

Aircash d.o.o. is a company incorporated in Croatia and supervised by the Croatian National Bank (HNB). Crypto trading services within the Aircash app are provided by Bitpanda GmbH, a company incorporated in Austria (FN 569240 v), authorised and supervised by the Austrian Financial Market Authority (FMA) as a crypto-asset service provider under Regulation (EU) 2023/1114 (MiCAR). Execution-only brokerage services for stocks and ETFs are provided by Bitpanda Financial Services GmbH. The regulated service provider may vary depending on your location and the product being offered. Access to products and services is governed by jurisdiction-specific regulations and may not be available in all regions.

The information provided does not constitute investment advice, an offer, or a solicitation to buy or sell any financial instrument or crypto-asset.