ARQ vs U.S. Cherry

ARQ - Modern finance for the global era. 2 million users across Latin America. ARQ connects travelers, freelancers and remote professionals with the world’s strongest assets and markets. DIGITAL DOLLAR AND EURO ACCOUNTS WITH A REAL CONVERSION RATE Convert Argentinian pesos into digital dollars and digital euros in seconds, with the interbank conversion rate - the one you see on Google. No hidden fees, no surprises. THE IDEAL INTERNATIONAL CARD FOR TRAVEL Pay in any currency with a great rate. Your ARQ Mastercard works in more than 180 countries. No fees, no annual fee. • International card accepted worldwide • Prestige credit card available with exclusive benefits • Compatible with Apple Pay and Google Wallet • Ideal for travelers, international online shopping, and payments abroad RECEIVE PAYMENTS FROM THE USA - IDEAL FOR BUSINESS OWNERS AND FREELANCERS Get your own U.S. account details (ACH/Wire) and European account details (IBAN). Receive payments as if you lived there - with a great conversion rate and no surprise fees. Compatible platforms: Deel, Upwork, OnTop, Payoneer, PayPal, Airbnb, Fiverr, Workana, and more. INTERNATIONAL PAYMENTS Send payments abroad and receive international payments with the interbank conversion rate. No hidden fees. Ideal for sending payments to the United States, Europe, and more than 70 countries. SAVE IN DIGITAL DOLLARS AND EUROS ARQ helps you manage your global finances more effectively. Use digital dollars and digital euros to manage your balance, plan expenses, and support your international financial goals. YOUR SECURITY IS OUR PRIORITY • Payments protected with 3DS security • Access with biometrics, Touch ID, or Face ID • Data encrypted with multiple layers of protection • More than 2 million users trust ARQ HOW IT WORKS 1. Download ARQ and sign up in minutes 2. Add funds 3. Convert to digital dollars or digital euros instantly 4. Use your international card anywhere in the world FREQUENTLY ASKED QUESTIONS What is ARQ? ARQ (formerly DolarApp) is an international finance platform. We offer a digital dollar and euro account, an international Mastercard, a Prestige credit card, yields in digital dollars, and international payments — all in one app. What is the conversion rate? We use the interbank conversion rate - the same one you see on Google. No hidden margins. Always transparent. Can I receive payments from the U.S.? Yes. You get your own U.S. account details (ACH/Wire) to receive payments from companies, clients, or platforms like Deel and Upwork. Does ARQ offer a credit card? Yes. In addition to the international Mastercard debit card, ARQ also offers the Prestige credit card with exclusive benefits. Is ARQ safe? Yes. We use end-to-end encryption, 3DS security, biometrics, and multiple layers of protection. What happened to DolarApp? DolarApp is now ARQ. The same technology, the same unbeatable rates, with an even more ambitious vision. Your account and data remain the same. Contact: help@arqfinance.com Website: arqfinance.com Chat: Message us through the in-app chat

You can open different investment accounts and have them managed by U.S. Cherry using strategies that are primarily ETF-based and aligned with your selected account and investment profile. GETTING STARTED IS SIMPLE: 1. Choose an account 2. Complete your profile 3. We review your application 4. Fund your account AVAILABLE ACCOUNT OPTIONS INCLUDE: Essential Portfolio Account A diversified stock-and-bond ETF portfolio designed for those getting started. Minimum investment: USD 100. S&P 500 Account Exposure to the 500 largest U.S. companies through ETFs that seek to track the index. Minimum investment: USD 100. Cash Yield Account Cash management through short-term U.S. Treasury ETFs. Yield is variable and subject to change. Minimum investment: USD 100. Automated Investment Portfolio Account A diversified ETF portfolio based on your investment profile and selected strategy. Minimum investment: USD 3,000. Crypto Account Crypto-related exposure through ETFs and exchange-traded products linked to cryptocurrencies. Minimum investment: USD 3,000. Bond-Only Account A fixed-income portfolio implemented through bond ETFs. Minimum investment: USD 3,000. IMPORTANT INFORMATION: U.S. Cherry LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply any level of skill or training. Client assets are held in the client’s own account at an independent custodian, including Interactive Brokers and Charles Schwab. U.S. Cherry does not custody client assets or client funds. References to Interactive Brokers or Charles Schwab are for informational purposes only and do not imply affiliation, endorsement, or sponsorship. U.S. Cherry’s role depends on the type of advisory relationship with the client. In a non-discretionary relationship, U.S. Cherry provides investment advice and recommendations, and the client decides whether to act on those recommendations. In a discretionary relationship, U.S. Cherry selects investments and implements portfolio allocations within the client’s account held at the independent custodian. We use security measures designed to help protect client information, including encryption and two-factor authentication. Crypto-related investments involve higher volatility and additional risks, including the risk of significant loss. Additional broker eligibility requirements or restrictions may apply and are determined independently by the broker. Investing involves risk, including possible loss of principal. U.S. Cherry is not a bank. Cash strategies are held in an investment account, not a bank account, and are not FDIC-insured bank deposits. Cash Yield strategies invest through short-term U.S. Treasury ETFs, and any displayed yield is for reference only, is not guaranteed, and is subject to change. The “S&P 500 Account” name is used solely to describe the investment strategy. The account primarily invests in ETFs that seek to track the performance of the S&P 500 Index. This naming does not imply affiliation with, endorsement by, or sponsorship from S&P Global Inc. or its affiliates. S&P 500 and related marks are trademarks of their respective owners and are used for descriptive and informational purposes only. Information provided in the app is for informational and illustrative purposes only and does not constitute financial, tax, or legal advice or an offer to buy or sell securities. Any forward-looking statements, expected returns, hypothetical illustrations, or projected outcomes are illustrative only and do not reflect actual client results. Hypothetical performance has inherent limitations and does not reflect actual trading, fees, or market conditions. Any testimonial or illustrative review may not be representative of all clients’ experiences, and past performance is not indicative of future results.