Annex No. 2 — Prohibited Jurisdictions

1.1. This list constitutes Annex No. 2 to the Antarctic Wallet Platform Terms of Use (the “Offer”) and forms an integral part thereof. Terms are used as defined in the Offer.

1.2. This list sets out the Prohibited Jurisdictions in which the Services are not provided, as well as the High‑Risk Countries in respect of which the Company applies enhanced due diligence measures. Whether a User is attributed to a jurisdiction listed in Section I is determined by the User’s place of permanent or primary residence, the User’s location when using the Platform, and the jurisdiction of the User’s counterparty or payee; with respect to the jurisdiction listed in sub‑clause (i) of clause 2.1, also by citizenship. Attribution to High‑Risk Countries (Section II) is determined on the same grounds and also by the User’s citizenship.

1.3. The listing of a jurisdiction in Section II does not in itself constitute a refusal of service and means that the measures provided for in clause 6.6 of the Offer apply.

2.1. The Company does not establish business relationships or carry out transactions with persons attributed, in accordance with clause 1.2, to the following jurisdictions: (i) the Democratic People’s Republic of Korea; (ii) the Islamic Republic of Iran; (iii) the Republic of the Union of Myanmar; (iv) the Republic of Cuba; (v) the United States of America, including its territories and possessions; (vi) the People’s Republic of China, excluding the Hong Kong Special Administrative Region and the Macao Special Administrative Region; (vii) other jurisdictions and territories subject to comprehensive sanctions regimes, the list of which is displayed in the Platform interface and on the Company’s website.

2.2. The jurisdictions listed in sub‑clauses (i) to (iii) of clause 2.1 are designated by the Financial Action Task Force (FATF) as jurisdictions subject to a call for action.

2.3. The Company may supplement this Section at any time, including in connection with changes in sanctions regimes, the requirements of the legislation of the Kyrgyz Republic, or the requirements of Service Providers, Issuers, banks and payment systems.

3.1. High‑Risk Countries are the states and territories included in the list of high‑risk countries approved by the Financial Intelligence Unit and published on its official website. The list applies in the version in effect at the time of the relevant transaction.

3.2. Official website of the Financial Intelligence Unit: https://fiu.gov.kg. The current version of the list is also provided to the User upon request through the support service.

3.3. With respect to Users, their counterparties and transactions connected with High‑Risk Countries, the Company applies the measures provided for by the legislation of the Kyrgyz Republic and clause 6.6 of the Offer, including enhanced due diligence measures, establishing the source of funds, refusing to establish relationships and to carry out transactions, and reporting such transactions to the Financial Intelligence Unit regardless of their amount.

3.4. The Company may set reduced limits and additional conditions for transactions connected with High‑Risk Countries.

4.1. The range of available Services varies by jurisdiction. Certain Services, including the Antarctic Card, Third‑Party Issuer Cards, QR code payments and the withdrawal of money, may be unavailable in jurisdictions not listed in Section I due to the requirements of Service Providers, Issuers, banks and payment systems.

4.2. Certain Services are provided only to Users who meet the requirements of the relevant Service Provider or Issuer, including requirements as to citizenship, place of residence, age and the Verification Level completed (clause 9.1 of the Offer).

4.3. The restrictions applicable to the User are shown in the Platform interface.

5.1. This list is posted on the Platform and updated by the Company as necessary. Section II applies in the version of the Financial Intelligence Unit’s list in effect at the relevant time, regardless of the edition date of this Annex.

5.2. The User must promptly notify the Company of any change in citizenship, place of residence or place of stay that results in the User being attributed to a jurisdiction listed in Section I or Section II.

5.3. The use of means that conceal or alter the User’s actual location constitutes a breach of clause 5.1 of the Offer and is grounds for applying the measures provided for in clause 6.8 of the Offer.