# The first bonus program

The first bonus program 2.2% per annum of the balance in customer points at Fintech Assets OU implies the payment of bonus points under the following conditions.

- • The weighted average balance in customer points for the reporting period is equal to or greater than 300 EUR.
- • The customer has made purchases worth more than 200 EUR using BlackCatCard for the reporting period.
- • Bonus Points are paid on balance less than 100,000 EUR.

Calculation period - from the 10^{th} day of the previous month to the 10^{th} day of the current month (including the first day but not the last).

The customer can seamlessly switch between bonus programs. In this case, the billing is carried out according to the program, which was active at 00:00 on the 10^{th} day of the current month.

#### Calculation Procedure

1. The calculation of the average balance

The weighted average balance is calculated to verify the participant’s compliance with the conditions of the bonus program:

Where,

- • Balance at 24-00 – the balance in customer points gathered at 24-00 every day.
- • Day - every day when the program was enabled.
- • n - the number of days the program was enabled.

2. Number of purchases

The sum of all purchases for the reporting period converted to EUR. Used to calculate the bonus program participation conditions.

3. Calculation of bonus points

Where,

- • Balance at 24-00 - the balance in customer points gathered at 24-00 every day.
- • Day - every day when the program was enabled.
- • n - the number of days when the program was enabled.
- • The actual number of days in a year - the actual number of days in a year passed on the settlement date.
- • % bonus - the percentage of the remaining points paid as bonus points.