Question 1

BLOOM – PRIVACY POLICY  V3.0 – 27.06.2025

Accepted Answer

Introduction Firstcom Global Payments S.A., a public limited company with board of directors, with a share capital of 100,000,000 FCFA, whose registered office is located at Cocody Riviera Golf 4, Cité Laguna Golf, Complexe Laguna Gate, 25 BPM 1033 Abidjan 25, registered with the Trade and Credit Registry (RCCM) of Abidjan under number CI-ABJ-03-2024-B14-00044, hereinafter referred to as "Firstcom ", is committed to protecting the privacy of information of those who use our Services and Applications. Firstcom's services are developed under the "Bloom" brand , through an app and a website, and are provided on the basis of a partnership and distribution agreement for co-branded Mastercard cards concluded between Firstcom Global Payments SA and Guaranty Trust Bank Côte d'Ivoire This privacy policy describes how Firstcom collects, uses, shares and protects users' personal data, in accordance with the legislation in force, in particular Law No. 213-450 of 19 June 2013 on the protection of personal data. By visiting our website or using our mobile application and/or providing your personal information, you agree that Firstcom may collect, use and disclose your personal information as described in this Privacy Policy.
Data collected Firstcom collects information when you use our Apps. For example, we collect data when you purchase or receive an e-gift card or we collect data when you contact our customer service. We only collect the

Question 2

GENERAL TERMS AND CONDITIONS OF USE OF BLOOM SERVICES

Accepted Answer

GENERAL TERMS AND CONDITIONS OF USE OF BLOOM SERVICES

Update: 25.03.2025

Preamble

These General Terms and Conditions of Use ("T&Cs") govern the access, use and operation of virtual and physical Mastercard prepaid card services offered by Firstcom Global Payments SA, a public limited company with a board of directors, with a share capital of 100,000,000 FCFA, whose registered office is located at Cocody Riviera Golf 4, Cité Laguna Golf, Complexe Laguna Gate, 25 BPM 1033 Abidjan 25, registered with the Trade and Personal Property Credit Register (RCCM) of Abidjan under number CI-ABJ-03-2024-B14-00044 (hereinafter referred to as "Firstcom"), under the trademark " Bloom ".

Bloom cards are issued on the basis of a partnership and distribution agreement for co-branded Mastercard cards concluded between Firstcom Global Payments SA and Guaranty Trust Bank Côte d'Ivoire (GT Bank CI), a public limited company under Ivorian law, approved as a banking institution under the supervision of the Central Bank of West African States (BCEAO), headquartered in Abidjan, Côte d'Ivoire.

The Bloom Client is invited to read this agreement carefully and to consult our privacy and personal data processing policy before starting to use the Application.

Firstcom Global Payments SA is committed to providing quality service and protecting the privacy and security of your personal information. If you have any questions or concerns about this Agreement or our Privacy Policy, please feel f

Question 3

Bloom User Flow

Accepted Answer

Firstcom Global Payments SA

Bloom User Flow

Update : 08.04.2025

1. Account Registration

Q: GENERAL TERMS AND CONDITIONS OF USE OF BLOOM SERVICES

GENERAL TERMS AND CONDITIONS OF USE OF BLOOM SERVICES Update: 25.03.2025 Preamble These General Terms and Conditions of Use ("T&amp;Cs") govern the access, use and operation of virtual and physical Mastercard prepaid card services offered by Firstcom Global Payments SA, a public limited company with a board of directors, with a share capital of 100,000,000 FCFA, whose registered office is located at Cocody Riviera Golf 4, Cité Laguna Golf, Complexe Laguna Gate, 25 BPM 1033 Abidjan 25, registered with the Trade and Personal Property Credit Register (RCCM) of Abidjan under number CI-ABJ-03-2024-B14-00044 (hereinafter referred to as "Firstcom"), under the trademark " Bloom ". Bloom cards are issued on the basis of a partnership and distribution agreement for co-branded Mastercard cards concluded between Firstcom Global Payments SA and Guaranty Trust Bank Côte d'Ivoire (GT Bank CI), a public limited company under Ivorian law, approved as a banking institution under the supervision of the Central Bank of West African States (BCEAO), headquartered in Abidjan, Côte d'Ivoire. The Bloom Client is invited to read this agreement carefully and to consult our privacy and personal data processing policy before starting to use the Application. Firstcom Global Payments SA is committed to providing quality service and protecting the privacy and security of your personal information. If you have any questions or concerns about this Agreement or our Privacy Policy, please feel f

Q: FAQ En.

FAQ BLOOM – Frequently Asked Questions Updated: 16.04.2025 About Us • What is Bloom™? Bloom™ is an Android, iOS, and Web platform developed by Firstcom Global Payments SA. It offers Mastercard prepaid cards (both virtual and Premium) as well as customizable digital gift cards. Firstcom Global Payments SA has entered into a co-branded card partnership and distribution agreement with Guaranty Trust Bank Côte d'Ivoire. Bloom™ cards are issued by Guaranty Trust Bank Côte d'Ivoire under license from Mastercard. The app allows users to securely manage payments, send gift cards, and access a digital wallet to facilitate transactions. • What services does Bloom™ offer? Bloom™ provides services including the creation and management of prepaid cards, customization of gift cards, online and in-store payments, transfers between cards and wallets, and a full range of reload options via channels such as Mobile Money and partner agent locations. • About Firstcom Global Payments SA Firstcom Global Payments SA is an innovative and disruptive fintech born from the vision of African entrepreneurs committed to developing modern and accessible payment solutions across the continent. Headquartered in Abidjan, Firstcom positions itself as a key player in the digital transformation of payments in Africa, with pan-African ambitions and strong strategic partnerships with banking institutions and tech leaders All About Bloom™ Prepaid Cards Bloom Premium Card

Q: BLOOM SERVICES SUBSCRIPTION AND USE AGREEMENT

BLOOM SERVICES SUBSCRIPTION AND USE AGREEMENT Update: 20.02.2025 Between : Firstcom Global Payments S.A., a public limited company with a board of directors, with a share capital of 100,000,000 FCFA, whose registered office is located at Cocody Riviera Golf 4, Cité Laguna Golf, Complexe Laguna Gate, 25 BPM 1033 Abidjan 25, registered with the Trade and Personal Property Credit Register (RCCM) of Abidjan under number CI-ABJ-03-2024-B14-00044, publisher and owner of the Bloom application (hereinafter referred to as "the Service Provider" or "Bloom") And: The Bloom Client (hereinafter referred to as "the Client"). 1. Purpose & Scope The purpose of this contract is to define the conditions under which the Client may subscribe to and use the payment services offered by the Bloom application (hereinafter referred to as "the Application"), in accordance with the regulations in force. The Bloom App offers users the ability to create, customize, purchase, and send digital gift cards as well as virtual prepaid Mastercard cards. By using these services, users agree to comply with the rules and policies established by Firstcom Global Payments SA. The Bloom services are provided on the basis of a partnership and distribution agreement for co-branded Mastercard cards entered into between Firstcom Global Payments SA and Guaranty Trust Bank Côte d'Ivoire (hereinafter referred to as "the Partner Bank"), and the terms and conditions of use of the Partner Ban

App Download

The customer starts by downloading the Bloom app from the App Store or Google Play Store.

Account Creation

When creating their account, they fill in their personal information:

· Name and surname,

· Date of birth (to ensure that he or she is of age),

· Address e-mail,

· Phone number,

· Full geographical address (useful for future deliveries).

A 4-digit OTP code is immediately sent by SMS to validate their phone number. This code is unique and for a limited time.

The customer then sets a 5-digit numerical password, which is essential to secure access to his account.

Before finalizing the registration, he validates the General Terms and Conditions of Use directly in the application.

Note : The activation of biometric authentication will be offered at a later date, subject to the authorization of the Personal Data Protection Authority.

The account is now created but the customer cannot make any transactions until they have completed the identity verification.

2. Identity Verification (KYC)

KYC verification is mandatory as soon as the account is opened to fully access the services.

The customer is invited to:

Upload a photo of your ID: national card, passport or driver's license.
Take a dynamic selfie for biometric verification.
The app automatically captures personal data through OCR reading of the do

Question 4

How to use BloomTM

Accepted Answer

How to use BloomTM

Update: 11.11.2024

1. Downloading the app

Download the BloomTM app from the App Store or Google Play Store by searching for "Bloom Card" and follow the installation steps.

2. Inscription & Activation

· To create an account, you will be required to provide the following information: name, email, phone number, and date of birth. The majority is required to access Bloom's services.

· **Phone Number Verification
**An OTP (One-Time Password) code is sent to your phone number for verification. Enter this code to validate your number.

· **Creating a Password and Biometrics Option
**Create a secure 4 to 6 digit password. You can also enable biometric recognition for added security during your logins and transactions.

· **KYC (Know Your Customer) VerificationFor
** full activation of your account, you will need to complete a KYC verification by taking a photo of your ID and a selfie to confirm your identity. This step becomes mandatory if you want to load more than 200,000 XOF on your card.

· **Acceptance of the Terms of Subscription
**The activation of your account requires the acceptance of the terms of subscription.

3. Card purchase

BloomTM eGift Card : Choose your virtual Mastercard gift card and set the amount to top up.
BloomTM Prepaid Card : Select a physical (at a cost of 5000 F) or digital (free) prepaid card.
BloomTM Store Card : Opt for a

Question 5

FAQ En.

Accepted Answer

FAQ BLOOM – Frequently Asked Questions

Updated: 16.04.2025

About Us

• What is Bloom™?
Bloom™ is an Android, iOS, and Web platform developed by Firstcom Global Payments SA. It offers Mastercard prepaid cards (both virtual and Premium) as well as customizable digital gift cards. Firstcom Global Payments SA has entered into a co-branded card partnership and distribution agreement with Guaranty Trust Bank Côte d'Ivoire. Bloom™ cards are issued by Guaranty Trust Bank Côte d'Ivoire under license from Mastercard. The app allows users to securely manage payments, send gift cards, and access a digital wallet to facilitate transactions.

• What services does Bloom™ offer?
Bloom™ provides services including the creation and management of prepaid cards, customization of gift cards, online and in-store payments, transfers between cards and wallets, and a full range of reload options via channels such as Mobile Money and partner agent locations.

• About Firstcom Global Payments SA
Firstcom Global Payments SA is an innovative and disruptive fintech born from the vision of African entrepreneurs committed to developing modern and accessible payment solutions across the continent. Headquartered in Abidjan, Firstcom positions itself as a key player in the digital transformation of payments in Africa, with pan-African ambitions and strong strategic partnerships with banking institutions and tech leaders

All About Bloom™ Prepaid Cards

Bloom Premium Card

Question 6

BLOOM SERVICES SUBSCRIPTION AND USE AGREEMENT

Accepted Answer

BLOOM SERVICES SUBSCRIPTION AND USE AGREEMENT

Update: 20.02.2025

Between :

Firstcom Global Payments S.A., a public limited company with a board of directors, with a share capital of 100,000,000 FCFA, whose registered office is located at Cocody Riviera Golf 4, Cité Laguna Golf, Complexe Laguna Gate, 25 BPM 1033 Abidjan 25, registered with the Trade and Personal Property Credit Register (RCCM) of Abidjan under number CI-ABJ-03-2024-B14-00044, publisher and owner of the Bloom application (hereinafter referred to as "the Service Provider" or "Bloom")

And:

The Bloom Client (hereinafter referred to as "the Client").

1. Purpose & Scope

The purpose of this contract is to define the conditions under which the Client may subscribe to and use the payment services offered by the Bloom application (hereinafter referred to as "the Application"), in accordance with the regulations in force.

The Bloom App offers users the ability to create, customize, purchase, and send digital gift cards as well as virtual prepaid Mastercard cards. By using these services, users agree to comply with the rules and policies established by Firstcom Global Payments SA.

The Bloom services are provided on the basis of a partnership and distribution agreement for co-branded Mastercard cards entered into between Firstcom Global Payments SA and Guaranty Trust Bank Côte d'Ivoire (hereinafter referred to as "the Partner Bank"), and the terms and conditions of use of the Partner Ban

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