Payout Policy and Program Limits

DRAFT — PENDING LEGAL REVIEW
This document has not been reviewed or approved by a lawyer. It is a working
draft prepared to make the product flow testable. It is not legal advice and
must not be presented to customers in this form.

WHEN A PAYOUT IS AVAILABLE

A payout request is available when all of the following are true:

- Your simulated balance exceeds your starting balance plus your retained
  buffer by at least the $500 minimum gross withdrawal.
- Your positions are flat and you have no working orders.
- Your account is active and not breached.
- We have current authoritative data for your account.
- The withdrawal would not take your equity to or below your trailing
  drawdown threshold.

There is no minimum number of trading days, no minimum number of winning days,
no consistency requirement and no best-day test.

HOW MUCH

  Maximum gross = the smallest of:
    (a) simulated balance - starting balance - retained buffer
    (b) twice your remaining DAILY cash payout capacity
    (c) twice your remaining LIFETIME cash payout capacity, if a lifetime cap
        applies to your plan
    (d) the room that must remain above your trailing threshold

rounded down to a whole dollar. You are paid half the gross in cash.

DAILY AND LIFETIME CAPS

Your plan has a daily cash payout cap. Capacity is reserved when you make a
request, not when it is paid, so several requests share the same daily cap and a
pending request continues to count against the day it was made.

Lifetime cash payout cap for your plan: as stated in your Plan and Rules
Snapshot. Where the snapshot shows this as not yet decided, accounts on that
plan are not offered for sale.

PROCESSING

Eligibility, processing and settlement are three different things and are shown
separately in your dashboard. Eligibility is determined by the rules above.
Processing depends on our review where a request needs one. Settlement depends
on the payment rails, your verification status and banking cut-off times.

We do not guarantee same-day receipt of funds in your bank account.

REVIEW

Requests that meet every requirement may be approved automatically. A request
that needs review will show you the specific reason. We will not use routine
review as a way to impose an undisclosed waiting period.

A payout you have validly earned is not cancelled by a later unrelated change to
your account status. Any review of an earned payout is recorded with its reason.

PROGRAM COMPLETION

Program completion and account closure rules: [NOT SUPPLIED — owner and counsel must complete before launch].