3.5% Additional NeuCoins earned will be computed based on transactions settled during the month (1st to
30/31st of the month) period minus any returns or refunds during the same period and will be posted to the
account within 3 days of next month. For example, the 3.5% Additional NeuCoins for the transactions settled
during the period 1-Nov to 30-Nov, will be posted by 3-Dec.