| Before | After | ||
|---|---|---|---|
| 101 | Notwithstanding the foregoing, title to Supported Digital Assets may be transferred to a third party pursuant to the Secured USDC terms of the Coinbase One Card in Appendix 4. | — | Removed |
| 107 | Coinbase will not sell, transfer, loan, hypothecate, or otherwise alienate Supported Digital Assets in your Digital Asset Wallet, except: (i) as required by law, including in response to an order or claim of garnishment, levy, lien, or security interests; (ii) as instructed by you (and, when so instructed by you, only where permitted by law); or (iii) if applicable, Secured USDC (defined below), pursuant to the terms of the Coinbase One Card with Security Deposit Cardholder Agreement (defined below) in Appendix 4. | 106 | Except as required by law, Coinbase will not sell, transfer, loan, hypothecate, or otherwise alienate Supported Digital Assets in your Digital Asset Wallet unless instructed by you (and, when so instructed by you, only where permitted by law). 2.7.2 Application of the Uniform Commercial Code. |
| 108 | You consent to all such permitted transfers. 2.7.2 Application of the Uniform Commercial Code. | — | Removed |
| 112 | Coinbase will comply with your instructions with respect to your Supported Digital Assets, subject to the terms of this User Agreement (including the Coinbase One Card section of Appendix 4). 2.7.3. Control and Customer Instructions. | 110 | Coinbase will comply with your instructions with respect to your Supported Digital Assets, subject to the terms of this User Agreement. 2.7.3. Control and Customer Instructions. |
| 114 | At any time, subject to outages, downtime, protocol requirements, time to conduct blockchain operations to fulfill your request, restrictions on Secured USDC, and other applicable agreements or policies, you may withdraw your Supported Digital Assets by instructing Coinbase to debit the applicable Supported Digital Asset from your Digital Asset Wallet and transfer the Digital Assets to a different blockchain address. | 112 | At any time, subject to outages, downtime, protocol requirements, time to conduct blockchain operations to fulfill your request, and other applicable policies, you may withdraw your Supported Digital Assets by instructing Coinbase to debit the applicable Supported Digital Asset from your Digital Asset Wallet and transfer the Digital Assets to a different blockchain address. |
| 115 | As long as you continue to hold Supported Digital Assets with Coinbase, Coinbase shall retain control over electronic private keys associated with blockchain addresses operated by Coinbase, including the blockchain addresses used to hold the Supported Digital Assets credited to your Digital Asset Wallet. | 113 | As long as you continue to hold Supported Digital Assets with Coinbase, Coinbase shall retain control over electronic private keys associated with blockchain addresses operated by Coinbase, including the blockchain addresses used to hold the Supported Digital Assets credited to your Digital Asset Wallet. 2.7.4. Omnibus Accounts. |
| 116 | To the extent you designate any USDC in your Digital Asset Wallet as Secured USDC, you agree that you will be restricted from any withdrawals or transfers of such Secured USDC and that, pursuant to the related Coinbase One Card with Security Deposit Cardholder Agreement, Coinbase may comply solely with the instructions and the entitlement orders of the party designated as the secured party for such Secured USDC without further consent from you, without any regard to any inconsistent or conflicting instructions or entitlement orders given to Coinbase by you. 2.7.4. Omnibus Accounts. | — | Removed |
| 231 | In the event that there are outstanding amounts owed to us hereunder, including in your Coinbase Account, Coinbase reserves the right to debit your Coinbase Account accordingly and/or to withhold amounts from funds you may transfer between your Coinbase Accounts. | 228 | In the event that there are outstanding amounts owed to us hereunder, including in your Coinbase Account, Coinbase reserves the right to debit your Coinbase Account accordingly and/or to withhold amounts from funds you may transfer between your Coinbase Accounts. 5. |
| 232 | Any Secured USDC will not be debited by Coinbase for any amount you owe to Coinbase, although such Secured USDC may be transferred to a third party as further explained in the Coinbase One Card section of Appendix 4. | — | Removed |
| 233 | However, Coinbase may debit such Secured USDC in the event it is no longer designated as “secured” subject to the terms of the applicable Coinbase One Card with Security Deposit Cardholder Agreement. 5. | — | Removed |
| 522 | When you hold Fiat Currency denominated in U.S. Dollars (USD) or Supported Digital Assets on Coinbase, you may be given the option to apply for a Coinbase Visa Card (“ Card ”) issued by Pathward National Association (“ Pathward ”). | 517 | When you hold Fiat Currency denominated in U.S. Dollars (USD) or Supported Digital Assets on Coinbase, you may be given the option to apply for a Coinbase Visa Card (“ Card ”) issued by Pathward National Association (“ Pathward ,” previously known as “Metabank, N.A.”). |
| 523 | The Card is a debit card. | — | Removed |
| 566 | Earned and redeemed Rewards will be reflected in your Card Transaction log. | 560 | Earned and redeemed Rewards will be reflected in your Card Transaction log. 1.16. |
| 567 | The Rewards Program is offered by Coinbase and is not a product or service of Pathward. 1.16. | — | Removed |
| 585 | USDC Rewards USDC IS NOT LEGAL TENDER OR CURRENCY. | 578 | USDC Rewards USDC IS NOT LEGAL TENDER OR CURRENCY . |
| 586 | USDC IS A SUPPORTED DIGITAL ASSET AND COINBASE HAS NO RIGHT TO USE ANY USDC IN YOUR COINBASE ACCOUNT EXCEPT IN CONNECTION WITH SECURED USDC, AS DESCRIBED UNDER THIS AGREEMENT. | 579 | USDC IS A SUPPORTED DIGITAL ASSET AND COINBASE HAS NO RIGHT TO USE ANY USDC IN YOUR COINBASE ACCOUNT. |
| 588 | If you are eligible , you can earn rewards for holding USDC in your Coinbase Account, including any Secured USDC. | 581 | If you are eligible , you can earn rewards for holding USDC in your Coinbase Account. |
| 830 | If you are an eligible Coinbase One member, you will have the option to apply for a Coinbase One credit card. | 823 | If you are a Coinbase One member, you will have the option to apply for a Coinbase One credit card (“ Coinbase One Card ”). |
| 831 | Some eligible Coinbase One members will be offered the Coinbase One Card with security deposit (“ Coinbase One Card with Security Deposit ”). | 824 | The Coinbase One Card is issued by First Electronic Bank. |
| 832 | The Coinbase One Card, including the Coinbase One Card with Security Deposit, is issued by First Electronic Bank (“ Coinbase One Card ”). | 825 | The Coinbase One Card is subject to approval; not every Coinbase One member will be approved. |
| 833 | The issuance of a Coinbase One Card to a Coinbase One member is subject to approval; not every Coinbase One member will be approved. | 826 | If you are approved for the Coinbase One Card, you must agree to the Coinbase One Card Cardholder Agreement with First Electronic Bank (“ Coinbase One Card Agreement ”). |
| 834 | If you are approved for the Coinbase One Card, you must agree to the relevant Cardholder Agreement (defined below) with First Electronic Bank. | 827 | You must agree to this User Agreement, including these Coinbase One Card terms (“ Coinbase One Card Terms ”), which governs your relationship with Coinbase. |
| 835 | You must agree to this User Agreement, including these Coinbase One Card terms (“ Coinbase One Card Terms ”), which govern your relationship with Coinbase. | 828 | The Coinbase One Card may not be available in all states, and eligibility is subject to change. 1.1. Coinbase One Card Agreement. |
| 836 | The Coinbase One Card may not be available in all states, and eligibility is subject to change. 1.1. Cardholder Agreement. | 829 | The Coinbase One Card is governed by the Coinbase One Card Agreement. |
| 837 | The Coinbase One Card and the Coinbase One Card with Security Deposit are governed respectively by the Coinbase One Card Cardholder Agreement (“ Coinbase One Card Agreement ”) and the Coinbase One Card with Security Deposit Cardholder Agreement (“ Coinbase One Card with Security Deposit Agreement ”). | 830 | Coinbase is not a party to the Coinbase One Card Agreement. |
| 838 | The Coinbase One Card Agreement and the Coinbase One Card with Security Deposit Agreement, as applicable, are referred to as the “Cardholder Agreement ”. | — | Removed |
| 839 | Coinbase is not a party to the Cardholder Agreement. | — | Removed |
| 841 | In the event of a conflict between the User Agreement (including these Coinbase One Card Terms) and the Cardholder Agreement, the provisions of the Cardholder Agreement shall govern. 1.2 Coinbase One Card with Security Deposit. | 832 | In the event of a conflict between the User Agreement (including these Coinbase One Card Terms) and the Coinbase One Card Agreement, the provisions of the Coinbase One Card Agreement shall govern. 1.2. Role of the Coinbase One Card. |
| 842 | If you apply for the Coinbase One Card and do not otherwise qualify, you may be given the option to designate USDC in your Digital Asset Wallet, or USDC that you will purchase, as secured for purposes of the Coinbase One Card with Security Deposit (the “ Secured USDC ”). | — | Removed |
| 843 | As provided in Section 2.7.2 of this User Agreement, all Supported Digital Assets credited to the Digital Asset Wallet, including Secured USDC, are treated as “financial assets” under Division 8 (defined above). | — | Removed |
| 844 | Moreover, Coinbase is a “securities intermediary” as used in Division 8 with respect to Supported Digital Assets, and your Digital Asset Wallet is a “securities account” as used in Division 8. | — | Removed |
| 845 | If you designate Secured USDC for purposes of the Coinbase One Card with Security Deposit, you direct us to maintain custody of the Secured USDC consistent with the Coinbase One Card with Security Deposit Agreement, and you authorize us as securities intermediary, without further consent from you, to comply in all respects with the instructions and entitlement orders regarding the Secured USDC from First Electronic Bank and its successors and assigns as well as any party designated by First Electronic Bank or its successors and assigns (the “Control Party”). | — | Removed |
| 846 | The Control Party will initially be Cardless, Inc. | — | Removed |
| 847 | ( Cardless ”), . | — | Removed |
| 848 | Such instructions may include transferring the Secured USDC to First Electronic Bank (or its successors or assigns) or the Control Party in the event of a default or your account is otherwise closed in accordance with the Coinbase One Card with Security Deposit Cardholder Agreement. | — | Removed |
| 849 | As detailed in the Coinbase One Card with Security Deposit Agreement, any Secured USDC will not be eligible for withdrawal, transferring, lending, selling, or trading until your Coinbase One Card with Security Deposit account is closed and any amounts owed are satisfied in full. | — | Removed |
| 850 | In general, Secured USDC will be released within two (2) Business Days of Coinbase receiving an instruction or entitlement order from First Electronic Bank (or its successors or assigns) or the Control Party, but it may take longer for the Secured USDC to be released to you. | — | Removed |
| 851 | In the event your Coinbase One Card with Security Deposit account is closed for any reason (for example, you voluntarily close your account or you are in default), First Electronic Bank (or its successors or assigns) or the Control Party may take possession of your Secured USDC and apply the proceeds of a sale or liquidation to the outstanding amount owed with respect to your Coinbase One Card with Security Deposit account without notice to you. | — | Removed |
| 852 | As detailed in the Coinbase One Card with Security Deposit Agreement, if your Secured USDC and the proceeds thereof are not sufficient to cover all amounts owed in connection with your Coinbase One Card with Security Deposit account, you remain responsible for the remaining unpaid amounts, including in the event a dispute is not resolved in your favor, your balance is greater than your credit line, the value of USDC fluctuates, or you are subject to a Legal Order (defined below). | — | Removed |
| 853 | In the event of a third party garnishment, levy, lien, security interest, or legal order to transfer any Supported Digital Assets in the Digital Asset Wallet to a third party (collectively, “ Legal Order ”), Coinbase will subject to law generally first transfer your unsecured Supported Digital Assets (or the proceeds thereof) to satisfy such Legal Order; and if your unsecured Supported Digital Assets are insufficient to satisfy the Legal Order, Coinbase may transfer your Secured USDC (or the proceeds thereof) to a third party. | — | Removed |
| 854 | Subject to law, your Secured USDC and the proceeds thereof will typically be first applied to any balance or amount owed with respect to your Coinbase One Card with Security Deposit before being transferred to satisfy a Legal Order, as provided in your Coinbase One Card with Security Deposit Agreement. | — | Removed |
| 855 | You authorize any such transfer to a third party or sale or liquidation in connection with or in response to a Legal Order, and acknowledge that any such transfer, sale, or liquidation will not relieve you of any liability with respect to the Coinbase One Card account. 1.3. Role of the Coinbase One Card. | — | Removed |
| 857 | However, the approval of any specific Credit Card Transaction is subject to the terms and conditions in the Cardholder Agreement. | 834 | However, the approval of any specific Credit Card Transaction is subject to the terms and conditions in the Coinbase One Card Agreement. |
| 858 | Please review the Cardholder Agreement for such terms and conditions. 1.4. Coinbase Accounts Linked. | 835 | Please review the Coinbase One Card Agreement for such terms and conditions. 1.3. Coinbase Accounts Linked. |
| 859 | Your USD Wallet and Digital Asset Wallet will be linked to your Coinbase One Card. | 836 | Your USD Wallet and Digital Asset Wallet will be linked to your Coinbase One Card account. |
| 864 | You agree that we may share personal information you previously provided to us with First Electronic Bank, Cardless, and with any other service provider acting on First Electronic Bank’s behalf for purposes of processing your application for a Coinbase One Card, servicing your Coinbase One Card account, and providing you benefits in connection with your Coinbase One Card or your Coinbase One member account. | 841 | You agree that we may share personal information you previously provided to us with First Electronic Bank, Cardless, Inc., and with any other service provider acting on First Electronic Bank’s behalf for purposes of processing your application for a Coinbase One Card, servicing your Coinbase One Card account, and providing you benefits in connection with your Coinbase One Card or Coinbase One member accounts. |
| 869 | Using the Coinbase One Card. 4.1. Pursuant to the terms of your Cardholder Agreement, you may use the Coinbase One Card to make various Credit Card Transactions. 4.2. As provided for in the Cardholder Agreement, you may only use the Coinbase One Card for personal, family, and household purposes and not for any business purposes. 4.3. You agree that you will use the Coinbase One Card in accordance with the Cardholder Agreement, the User Agreement, and these Coinbase One Card Terms. 5. | 846 | Using the Coinbase One Card. 4.1. Pursuant to the terms of your Coinbase One Card Agreement, you may use the Coinbase One Card to make various Credit Card Transactions. 4.2. As provided for in your Coinbase One Card Agreement, you may only use your Coinbase One Card for personal, family, and household purposes and not for any business purposes. 4.3. You agree that you will use the Coinbase One Card in accordance with the Coinbase One Card Agreement, the User Agreement, and these Coinbase One Card Terms. 5. |
| 871 | If your Coinbase One Card is lost, stolen, or used without your permission, call Coinbase Customer Service right away using the phone number listed in the Cardholder Agreement. 6. | 848 | If your Coinbase One Card is lost, stolen, or used without your permission, call Coinbase Customer Service right away using the phone number listed in the Coinbase One Card Agreement. 6. |
| 879 | The fees associated with your Coinbase One Card are described in your Cardholder Agreement and the “Interest Rates and Interest Charges” disclosures that were provided to you in connection with your account. 7. | 856 | The fees associated with your Coinbase One Card are described in your Coinbase One Card Agreement and the “Interest Rates and Interest Charges” disclosures that were provided to you in connection with your Coinbase One Card account. 7. |
| 881 | Any return or refund shall be governed in accordance with your Cardholder Agreement and the rules of the American Express network. | 858 | Any return or refund shall be governed in accordance with your Coinbase One Card Agreement and the rules of the American Express network. |
| 882 | If you are entitled to a refund, it will be applied to your balance or as otherwise provided for in your Cardholder Agreement. 8. | 859 | If you are entitled to a refund, it will be applied to your Coinbase One Card balance or as otherwise provided for in your Coinbase One Card Agreement. 8. |
| 889 | You may also find details regarding rewards you have earned in connection with the Coinbase One Card Rewards Program in the Coinbase One Card Portal. 10. | 866 | You may also find details regarding Coinbase One Card rewards you have earned in connection with the Coinbase One Card Rewards Program in the Coinbase One Card Portal. 10. |
| 891 | As provided for in the Cardholder Agreement, First Electronic Bank may restrict, suspend, or cancel your access to the Coinbase One Card at any time and for any reason in its sole discretion. | 868 | As provided for in the Coinbase One Card Agreement, First Electronic Bank may restrict, suspend, or cancel your access to the Coinbase One Card at any time and for any reason in its sole discretion. |
| 894 | If you are no longer a Coinbase One member, your Coinbase One Card account will be closed. 11. | 871 | If you are no longer a Coinbase One member, your Coinbase One Card account may be subject to closure. 11. |
| 897 | In addition to any limitation of liability therein, Coinbase will not be liable to you for any loss arising from: A merchant refusing to accept a Coinbase One Card; The goods or services that you purchase from a merchant using a Coinbase One Card (however, you have rights in certain situations with respect to First Electronic Bank as specified in the billing-error rights statement that was provided with your Cardholder Agreement); Any breach by Coinbase of the User Agreement due to abnormal or unforeseen circumstances beyond Coinbase’s reasonable control, which would have been unavoidable despite Coinbase’s efforts to stop it; First Electronic Bank restricting, suspending, or terminating a Coinbase One Card or refusing to issue or replace a Coinbase One Card; First Electronic Bank declining a Credit Card Transaction that you make or attempt to make using a Coinbase One Card; Coinbase restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Coinbase Services; or Coinbase’s compliance with any applicable laws and regulations or a Legal Order; or Coinbase following the instructions of First Electronic Bank (or its successors or assigns) or the Control Party with respect to any Secured USDC subject to the Coinbase One Card with Security Deposit or otherwise adhering to the Coinbase One Card with Security Deposit Agreement with respect to the Secured USDC. | 874 | In addition to any limitation of liability therein, Coinbase will not be liable to you for any loss arising from: A merchant refusing to accept a Coinbase One Card; The goods or services that you purchase from a merchant using a Coinbase One Card (however, you have rights in certain situations with respect to First Electronic Bank as specified in the billing-error rights statement that was provided with your Coinbase One Card Agreement); Any breach by Coinbase of the User Agreement due to abnormal or unforeseen circumstances beyond Coinbase’s reasonable control, which would have been unavoidable despite Coinbase’s efforts to stop it; First Electronic Bank restricting, suspending, or terminating a Coinbase One Card or refusing to issue or replace a Coinbase One Card; First Electronic Bank declining a Credit Card Transaction that you make or attempt to make using a Coinbase One Card; Coinbase restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Coinbase Services; or Coinbase’s compliance with any applicable laws and regulations. |
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