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From: Coinbase <no-reply@info.coinbase.com>
To: vince@showfile.com
Subject: Update to your Coinbase User Agreement
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Get started

<h1 class=3D"color-fg" style=3D"line-height:2.25rem;color:rgb(10,11,13);mar=
gin:0 0 16px 0;font-size:1.75rem;font-weight:600"><span style=3D"font-weigh=
t:bold">Important: Changes to your User Agreement</span></h1><p class=3D"co=
lor-fg" style=3D"font-size:1rem;line-height:1.5rem;color:rgb(10,11,13);marg=
in:0px 0px 0px 0px;font-weight:400;margin-top:0px;margin-right:0px;margin-b=
ottom:0px;margin-left:0px">We're writing to let you know about changes to t=
he Coinbase User Agreement, which governs your relationship with CB Payment=
s Ltd.<br/><br/><span style=3D"font-weight:bold">What's changing?</span></p=
>

image (Logo - Coinbase)




Important: Changes to your User Agreement

We're writing to let you know about changes to the Coinbase User Agreement,=
 which governs your relationship with CB Payments Ltd.

What's changing?

<!-- Bullet Points --> <table align=3D"center" width=3D"100%" border=3D"0" =
cellPadding=3D"0" cellSpacing=3D"0" class=3D"section-horizontal-padding" st=
yle=3D"padding:16px 24px 16px 24px;text-align:left"> <tbody> <tr> <td> <ul =
style=3D"line-height:1.5rem;color:rgb(10,11,13);padding:0px 0px 0px 0px;fon=
t-size:1rem;font-weight:400;list-style-type:disc;padding-left:16px" class=
=3D"color-fg"> <li> <p class=3D"color-fg" style=3D"font-size:1rem;line-heig=
ht:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin=
-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"> <span style=
=3D"font-weight:bold">FSCS protection limit:</span> The Financial Services =
Compensation Scheme has increased its deposit protection limit from =C2=A38=
5,000 to =C2=A3120,000. We are updating the User Agreement to reflect this =
change. </p> </li> <li> <p class=3D"color-fg" style=3D"font-size:1rem;line-=
height:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;ma=
rgin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"> <span sty=
le=3D"font-weight:bold">Pricing and Fees Disclosures: </span>We are updatin=
g our Pricing and Fees Disclosures page to include new processing fees for =
transactions involving the Lightning Network, USDT, and USDC. Please visit =
<a ses:no-track href=3D"https://help.coinbase.com/en-gb/coinbase/trading-an=
d-funding/pricing-and-fees/fees" class=3D"color-fgPrimary" rel=3D"noopener =
noreferrer" style=3D"color:rgb(0,82,255);text-decoration-line:none;text-dec=
oration:none" target=3D"_blank"> <span style=3D"text-decoration:underline">=
this page</span> </a> for full details. </p> </li> <li> <p class=3D"color-f=
g" style=3D"font-size:1rem;line-height:1.5rem;color:rgb(10,11,13);margin:0p=
x 0px 0px 0px;font-weight:400;margin-top:0px;margin-right:0px;margin-bottom=
:0px;margin-left:0px"> <span style=3D"font-weight:bold">Coinbase Card fundi=
ng: </span>We are clarifying how Coinbase Card transactions may be funded. =
You may elect to fund card purchases from your E-Money Wallet or by selling=
 a specified Crypto Asset. These changes will apply from 20 May 2026. </p> =
</li> </ul> </td> </tr> </tbody> </table> <!-- Action Needed + Closing --> =
<table align=3D"center" width=3D"100%" border=3D"0" cellPadding=3D"0" cellS=
pacing=3D"0" style=3D"padding:0 0 16px 0"> <tbody> <tr> <td> <table align=
=3D"center" width=3D"100%" border=3D"0" cellPadding=3D"0" cellSpacing=3D"0"=
 class=3D"section-horizontal-padding" style=3D"padding:0 24px 0 24px"> <tbo=
dy> <tr> <td> <p class=3D"color-fg" style=3D"font-size:1rem;line-height:1.5=
rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top:0=
px;margin-right:0px;margin-bottom:0px;margin-left:0px"> <span style=3D"font=
-weight:bold">Action Needed</span><br/> </p> <p class=3D"color-fg" style=3D=
"font-size:1rem;line-height:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0=
px;font-weight:400;margin-top:0px;margin-right:0px;margin-bottom:0px;margin=
-left:0px"> Please carefully review the changes described above. By continu=
ing to use our services after the changes take effect, you agree to be boun=
d by those changes. No further action is needed from you to accept the chan=
ges. <br/><br/> </p> <p class=3D"color-fg" style=3D"font-size:1rem;line-hei=
ght:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margi=
n-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"> You can read=
 the updated User Agreement <a ses:no-track href=3D"https://assets.ctfasset=
s.net/o10es7wu5gm1/5BnLbTReUtAUh4smu58xvr/a62fa836adbae893b74ceebe9a5fa279/=
Coinbase_User_Agreement_-_EEA.pdf" class=3D"color-fgPrimary" style=3D"color=
:rgb(0,82,255);text-decoration-line:none;text-decoration:none" target=3D"_b=
lank"> <span style=3D"text-decoration:underline">here</span> </a>. <br/><br=
/> </p> <p class=3D"color-fg" style=3D"font-size:1rem;line-height:1.5rem;co=
lor:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top:0px;mar=
gin-right:0px;margin-bottom:0px;margin-left:0px"> Thank you for continuing =
to be a valued customer of Coinbase. <br/><br/> </p> <p class=3D"color-fg" =
style=3D"font-size:1rem;line-height:1.5rem;color:rgb(10,11,13);margin:0px 0=
px 0px 0px;font-weight:400;margin-top:0px;margin-right:0px;margin-bottom:0p=
x;margin-left:0px"> Kind regards,<br/> </p> <p class=3D"color-fg" style=3D"=
font-size:1rem;line-height:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0p=
x;font-weight:400;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-=
left:0px"> <span style=3D"font-weight:bold">The Coinbase Team</span> </p> <=
/td> </tr> </tbody> </table> </td> </tr> </tbody> </table>



CB Payments, Ltd is authorised by the Financial Conduct Authority under the=
 Electronic Money Regulations 2011 for the issuing of electronic money and =
registered under the Money Laundering Regulations 2017 to carry out specifi=
c cryptoasset activities (register number 900635).



The Scalpel - 18th Floor | 52 Lime Street | London | EC3M 7AF | UK



=C2=A9 Coinbase 2026 | CB Payments, Ltd



Coinbase.com [https://www.coinbase.com] | Get in touch [https://help.coinba=
se.com]

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          <td>
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:0;max-height:0;max-width:0"
              data-skip-in-text=3D"true"
              id=3D"email-preview"
            >
              We're making changes to the Coinbase User Agreement + Pricing=
 & Fees Disclosures
              <div
                style=3D"display:none;overflow:hidden;line-height:1px;opaci=
ty:0;max-height:0;max-width:0"
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=E2=80=8F=EF=BB=BF
              </div>
            </div>
            <table
              align=3D"center"
              width=3D"100%"
              class=3D"email-container"
              border=3D"0"
              cellpadding=3D"0"
              cellspacing=3D"0"
              role=3D"presentation"
              style=3D"max-width:375px;width:100%"
            >
              <tbody>
                <tr style=3D"width:100%">
                  <td>
                    <table
                      align=3D"center"
                      width=3D"100%"
                      border=3D"0"
                      cellpadding=3D"0"
                      cellspacing=3D"0"
                      class=3D"bg-bg"
                      style=3D"background:rgb(255,255,255);overflow:hidden;=
table-layout:fixed;width:100%"
                    >
                      <tbody>
                        <tr>
                          <td>
                            <div
                              class=3D"mobile_only"
                              style=3D"overflow:hidden;max-width:100%"
                            >
                              <img
                                alt=3D"Logo - Coinbase"
                                height=3D"80"
                                src=3D"https://d2l7g2wmr3uf42.cloudfront.ne=
t/images/68d5b2e1-9007-4c79-b787-a25763e2d62f/image.png"
                                style=3D"display:block;outline:none;border:=
none;text-decoration:none"
                              />
                            </div>
                            <!--[if !mso]><!-->
                            <div
                              class=3D"desktop_only"
                              style=3D"display:none;mso-hide:all;max-height=
:0;overflow:hidden"
                            >
                              <img
                                alt=3D"Logo - Coinbase"
                                height=3D"80"
                                src=3D"https://d2l7g2wmr3uf42.cloudfront.ne=
t/images/58932d73-fb38-490f-b607-67db26670444/image.png"
                                style=3D"display:block;outline:none;border:=
none;text-decoration:none"
                              />
                            </div>
                            <!--<![endif]-->
                          </td>
                        </tr>
                      </tbody>
                    </table>
                    <table
                      align=3D"center"
                      width=3D"100%"
                      border=3D"0"
                      cellpadding=3D"0"
                      cellspacing=3D"0"
                      role=3D"separator"
                      class=3D"section-horizontal-padding"
                      style=3D"padding:8px 24px 8px 24px"
                    >
                      <tbody>
                        <tr>
                          <td>
                            <div
                              style=3D"height:0;line-height:0;font-size:0"
                            ></div>
                          </td>
                        </tr>
                      </tbody>
                    </table>
                    <table
                      align=3D"center"
                      width=3D"100%"
                      border=3D"0"
                      cellpadding=3D"0"
                      cellspacing=3D"0"
                      style=3D"padding:0 0 16px 0"
                    >
                      <tbody>
                        <tr>
                          <td>
                            <table
                              align=3D"center"
                              width=3D"100%"
                              border=3D"0"
                              cellpadding=3D"0"
                              cellspacing=3D"0"
                              class=3D"section-horizontal-padding"
                              style=3D"padding:0 24px 0 24px"
                            >
                              <tbody>
                                <tr>
                                  <td>
                                    <h1 class=3D"color-fg" style=3D"line-he=
ight:2.25rem;color:rgb(10,11,13);margin:0 0 16px 0;font-size:1.75rem;font-w=
eight:600"><span style=3D"font-weight:bold">Important: Changes to your User=
 Agreement</span></h1><p class=3D"color-fg" style=3D"font-size:1rem;line-he=
ight:1.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;marg=
in-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px">We're writin=
g to let you know about changes to the Coinbase User Agreement, which gover=
ns your relationship with CB Payments Ltd.<br/><br/><span style=3D"font-wei=
ght:bold">What's changing?</span></p>
                                  </td>
                                </tr>
                              </tbody>
                            </table>
                          </td>
                        </tr>
                      </tbody>
                    </table>
                   =20
                    <table
                      align=3D"center"
                      width=3D"100%"
                      border=3D"0"
                      cellpadding=3D"0"
                      cellspacing=3D"0"
                      class=3D"section-horizontal-padding"
                      style=3D"padding:16px 24px 16px 24px;text-align:left"
                    >
                      <tbody>
                        <tr>
                          <td>
                            <ul
                              style=3D"line-height:1.5rem;color:rgb(10,11,1=
3);padding:0px 0px 0px 0px;font-size:1rem;font-weight:400;list-style-type:d=
isc;padding-left:16px"
                              class=3D"color-fg"
                            >
                              <li>
                                <p
                                  class=3D"color-fg"
                                  style=3D"font-size:1rem;line-height:1.5re=
m;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top:0px=
;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                >
                                  <span style=3D"font-weight:bold"
                                    >FSCS protection limit:</span
                                  >
                                  The Financial Services Compensation Schem=
e has
                                  increased its deposit protection limit fr=
om
                                  =C2=A385,000 to =C2=A3120,000. We are upd=
ating the User
                                  Agreement to reflect this change.
                                </p>
                              </li>
                              <li>
                                <p
                                  class=3D"color-fg"
                                  style=3D"font-size:1rem;line-height:1.5re=
m;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top:0px=
;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                >
                                  <span style=3D"font-weight:bold"
                                    >Pricing and Fees Disclosures: </span
                                  >We are updating our Pricing and Fees
                                  Disclosures page to include new processin=
g
                                  fees for transactions involving the Light=
ning
                                  Network, USDT, and USDC. Please visit
                                  <a href=3D"https://help.coinbase.com/en-g=
b/coinbase/trading-and-funding/pricing-and-fees/fees"
                                    class=3D"color-fgPrimary"
                                    rel=3D"noopener noreferrer"
                                    style=3D"color:rgb(0,82,255);text-decor=
ation-line:none;text-decoration:none"
                                    target=3D"_blank"
                                  >
                                    <span style=3D"text-decoration:underlin=
e"
                                      >this page</span
                                    >
                                  </a>
                                  for full details.
                                </p>
                              </li>
                              <li>
                                <p
                                  class=3D"color-fg"
                                  style=3D"font-size:1rem;line-height:1.5re=
m;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top:0px=
;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                >
                                  <span style=3D"font-weight:bold"
                                    >Coinbase Card funding: </span
                                  >We are clarifying how Coinbase Card
                                  transactions may be funded. You may elect=
 to
                                  fund card purchases from your E-Money Wal=
let
                                  or by selling a specified Crypto Asset. T=
hese
                                  changes will apply from 20 May 2026.
                                </p>
                              </li>
                            </ul>
                          </td>
                        </tr>
                      </tbody>
                    </table>
                   =20
                   =20
                    <table
                      align=3D"center"
                      width=3D"100%"
                      border=3D"0"
                      cellpadding=3D"0"
                      cellspacing=3D"0"
                      style=3D"padding:0 0 16px 0"
                    >
                      <tbody>
                        <tr>
                          <td>
                            <table
                              align=3D"center"
                              width=3D"100%"
                              border=3D"0"
                              cellpadding=3D"0"
                              cellspacing=3D"0"
                              class=3D"section-horizontal-padding"
                              style=3D"padding:0 24px 0 24px"
                            >
                              <tbody>
                                <tr>
                                  <td>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      <span style=3D"font-weight:bold"
                                        >Action Needed</span
                                      ><br />
                                    </p>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      Please carefully review the changes
                                      described above. By continuing to use=
 our
                                      services after the changes take effec=
t,
                                      you agree to be bound by those change=
s. No
                                      further action is needed from you to
                                      accept the changes. <br /><br />
                                    </p>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      You can read the updated User Agreeme=
nt
                                      <a href=3D"https://assets.ctfassets.n=
et/o10es7wu5gm1/5BnLbTReUtAUh4smu58xvr/a62fa836adbae893b74ceebe9a5fa279/Coi=
nbase_User_Agreement_-_EEA.pdf"
                                        class=3D"color-fgPrimary"
                                        style=3D"color:rgb(0,82,255);text-d=
ecoration-line:none;text-decoration:none"
                                        target=3D"_blank"
                                      >
                                        <span style=3D"text-decoration:unde=
rline"
                                          >here</span
                                        ></a
                                      >. <br /><br />
                                    </p>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      Thank you for continuing to be a valu=
ed
                                      customer of Coinbase. <br /><br />
                                    </p>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      Kind regards,<br />
                                    </p>
                                    <p
                                      class=3D"color-fg"
                                      style=3D"font-size:1rem;line-height:1=
.5rem;color:rgb(10,11,13);margin:0px 0px 0px 0px;font-weight:400;margin-top=
:0px;margin-right:0px;margin-bottom:0px;margin-left:0px"
                                    >
                                      <span style=3D"font-weight:bold"
                                        >The Coinbase Team</span
                                      >
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dding"
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32px 24px 32px 24px"
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                                      align=3D"center"
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                                              class=3D"color-fgMuted"
                                              style=3D"font-size:12px;line-=
height:1.35;color:rgb(91,97,110);margin:0px 0px 0px 0px;font-weight:400;fon=
t-style:normal;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-lef=
t:0px"
                                            >
                                              CB Payments, Ltd is authorise=
d by the Financial Conduct Authority under the Electronic Money Regulations=
 2011 for the issuing of electronic money and registered under the Money La=
undering Regulations 2017 to carry out specific cryptoasset activities (reg=
ister number 900635).
                                            </p>
                                           =20
                                            <p
                                              class=3D"color-fgMuted"
                                              style=3D"font-size:12px;line-=
height:1.35;color:rgb(91,97,110);margin:0px 0px 0px 0px;font-weight:400;fon=
t-style:normal;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-lef=
t:0px"
                                            >
                                              The Scalpel - 18th Floor | 52=
 Lime Street | London | EC3M 7AF | UK
                                            </p>
                                           =20
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                                              class=3D"color-fgMuted"
                                              style=3D"font-size:12px;line-=
height:1.35;color:rgb(91,97,110);margin:0px 0px 0px 0px;font-weight:400;fon=
t-style:normal;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-lef=
t:0px"
                                            >
                                              =C2=A9 Coinbase 2026 | CB Pay=
ments, Ltd
                                            </p>
                                           =20
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                                              <a
                                                href=3D"https://comm.coinba=
se.com/CL0/https:%2F%2Fwww.coinbase.com/1/0100019d0b5fd0cd-0493791a-81f3-43=
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se.com/CL0/https:%2F%2Fhelp.coinbase.com/1/0100019d0b5fd0cd-0493791a-81f3-4=
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