Effective Date: May 30, 2026
Last Updated: May 30, 2026

This agreement is entered into between Presidential Metals Exchange, LLC (referred to as Presidential, Presidential Metals, Presidential Metals Exchange or, (“We”), and Customer(s) as identified above (referred to as Customer(s), Purchaser(s) or (“You”) regarding the sale and purchase of precious metals: coins, bars, rounds, Commemorative Bullion Coins, Numismatic Coins, and Investment Grade Coins, in example but not limited to NGC, OR PCGS, Graded Coins, Non-Graded Coins, and other products which Presidential Metals Exchange, LLC currently offers or may offer in the future. This Agreement applies to all transactions between Presidential and Customer(s) from date of signature below and moving forward. This Agreement can be amended from time to time by Presidential upon giving notice to Customer(s).

Placing An Order:

Orders may be placed via telephone or in person. Terms of the order will be confirmed in a tape- recorded conversation with Customer(s) for accuracy, price, quantity, method of payment, and other terms of the order. An outline of Presidential Metals risk disclosures will also be recorded. With the limited exception as stated, all sales, regardless of payment type are final and not subject to exchange or refund.

Customer(s) must pay for their order via ACH, Check, Credit Card, or Wire Transfer in the amount sufficient to cover the purchase within three (3) calendar days of Presidential’s receipt of signed Customer Agreement. Checks should be made out to Presidential Metals Exchange LLC. Personal checks may take up to ten (10) business days to clear.

Once Presidential receives a completed, signed Customer Agreement and any other additional documentation needed, a written copy of the Invoice will be sent to the Customer(s). Presidential will send the Invoice(s) and/or order by Federal Express, USPS, or E-Mail to the Customer’s address on file with Presidential, unless Customer provides new shipping instructions in writing prior to shipping date. All deliveries are sent via a method which can be tracked. A physical signature is required for all orders. It is the Customers responsibility to immediately notify Presidential of any address change. Presidential Metals will not accept responsibility for orders shipped to the wrong address. Customers must provide updated information immediately. Customers must be at least eighteen (18) years of age or older. Delivery:

Delivery:

Upon receipt of cleared payment, Presidential will deliver the Customer(s) order to the shipping address on file with Presidential within twenty-nine (29) business days (or less). All deliveries are sent via a method that can be tracked. A physical signature is required for all orders.

Shipping and handling fees may be charged by Presidential. Any such fees will be disclosed at the time the order is placed.

All packages shipped to the Customer(s) include liability insurance. If a shipment is lost or damaged during transit to Customer(s)’ shipping address, Presidential may elect to replace the items with the same or comparable products. Additionally, Presidential reserves the right to refund the Customer(s)’ purchase price. Until shipment has been delivered to Customer(s), Presidential takes responsibility for loss, and lithe product(s) shipped that are delivered defective. Customer(s) has seven (7) calendar days from date delivered to file a claim by contacting Presidential Metals Exchange. Customer(s) must fully cooperate with Presidential to disclose all necessary information regarding such claim. After seven (7) calendar days Customer(s) waives all rights to make a claim on product(s).

If Customer(s) should refuse to accept delivery of the Precious Metals ordered or fails to make payment when payment is due, Presidential Metals shall, at its sole discretion, cancel the order, and re-sell the product(s) to whomever it chooses. If such sale should result in a lesser amount than agreed to per contact with the Customer, Presidential shall be entitled to recover the difference between the resale price and the price of the product sold to the Customer(s). In the event the resale price is greater than the Customers’ contract price, Presidential shall be entitled to keep the excess amount to cover Presidential Metals incidental damages.

Remitting Payment and Security Agreement:

Customer agrees to pay for all Precious Metals, coins, other items ordered, delivery charges, storage charges, and other services, taxes such as sales tax associated with the product(s) or delivery, assessments, or other charges imposed by a government, now or in the future, concerning any and all orders covered by this Agreement.

If Presidential Metals does not receive payment for the initial or subsequent order of Precious Metals: rounds & bars, Commemorative Bullion coins, or Numismatic coins within three (3) calendar days of Presidential’s receipt of the signed Customer Agreement/Order Confirmation, Presidential may charge Customer(s) for any market loss they may incur. Additionally, returns that fall within this three (3) calendar day period are subject to a 10% restocking fee. Presidential reserves the right to dispose of the metals, coins, or Numismatic products for Customer(s) at their discretion without notice unless required by law.

Liquidations:

If Customer does not pay for first or subsequent purchases within three (3) calendar days of Presidential Metals receipt of signed Customer Agreement/Order Confirmation, Presidential reserves the right to sell any or all items to offset the cost, as permitted by law however Presidential chooses. If the sale results in a lower buy back price, the Customer is liable to cover the added expense.

By law, Presidential Metals cannot guarantee to repurchase any items sold by Presidential. Presidential will not guarantee to repurchase any Precious Metals, coins or Numismatic products it sells. Presidential will not guarantee to repurchase any items at the price the Customer(s) paid, due to market conditions and other market conditions such as mark downs, premiums on products sold, supply, demand and quality of products. The prices that Presidential may be willing to purchase items for, may vary substantially from the original purchase price. Also, Presidential’s liquidation policy is subject to change without notice or conditions, unless as applicable by law.

If Customer wishes to sell items originally acquired from Presidential such as coins, bars or Numismatic coins, and Presidential agrees to purchase the items, the purchase will be made at current liquidation price. Prior to liquidation, Presidential will provide an estimate on the product(s) Customer is looking to sell. The Customer(s) must then ship the items to Presidential at the Customer’s own cost and risk. If, and only if Presidential agrees to purchase, Customer(s) will then receive a quoted purchase price on a recorded line, or in writing and payment will be sent to Customer(s) address on file via company check within six (6) business days. If Presidential does not agree to purchase items or Customer does not agree to the sale, the item(s) will be returned to the Customer(s) and shipping fees will be the responsibility of the Customer(s).

Presidential Metals reserves the right to purchase Precious Metals, coins, or Numismatic pieces from Customer(s) that were not purchased from Presidential. Customer(s) must contact a Presidential representative to provide detailed verbal information regarding the products that the Customer wishes to sell. If Presidential agrees to provide an estimated quote, the Customer(s) must then ship the items to Presidential. The items will be inspected for quality and quantity prior to purchase. The Customer(s) will then receive a verbal quote and/or a written quote if, and only if Presidential agrees to purchase items. If Presidential Metals does not agree to purchase items or Customer does not agree to sell, the item(s) will be returned at the expense of the Customer(s).

Refunds/Returns:

With the exception as noted within this Agreement (per specific state requirements below), ALL SALES ARE FINAL. This means Precious Metal orders cannot be partially or fully refunded or replaced unless it meets with one of the following exceptions:

You may choose to request a refund if (1.) The property or services purchased from Presidential are defective, not as represented, or not received as promised; (2.) Customer(s) return the purchased property and make a written request for the refund within time period (listed below for the state in which you reside) of receiving the purchased property; or; (3.) Within the time period (listed below for the state in which you reside) after paying for the purchased services and before the services are provided, you make a written request for the refund or credit.

No returns of any type will be accepted without prior notification to our customer service team before shipping your product. The decision to refund or replace your item will be at the sole discretion of Presidential. Should you return any item to us, you may be required to pay the return shipping and product value losses, if any, at our discretion. All items returned must be shipped in our original packaging. In the case of a request for an exchange, Presidential expressly reserves the right, in our sole and absolute discretion, to find an acceptable replacement or refund your money should an acceptable replacement be unavailable. All requests to cancel must be confirmed via written request. All notices of cancellation must be provided no later than 5PM EST, on the last day of the refund period. Questions regarding notice of cancellations may be addressed by speaking directly with a Presidential Representative at (888)-763-8257 or via U.S. Mail to Presidential Metals Exchange, LLC, at 4362 Northlake Blvd, #207 Palm Beach Gardens, Florida 33410 Specific State Refund Policies: Alaska, Arizona, Colorado, Montana, Mississippi, Hawaii, Utah, Oregon, Nevada, Oklahoma, Texas (credit card purchases only), Maine: For first time Customers, timely notice must be given to Presidential within ten (10) calendar days of when Customer receives the delivery. For subsequent purchases, timely notice must be given to Presidential within three (3) business days of when the Trade Confirmation is mailed or delivered to Customer(s). Florida, West Virginia: timely notice must be given to Presidential within seven (7) calendar days of when Customer receives the delivery. Alabama: timely notice must be given to Presidential within eight (8) calendar days of when Customer(s) receives the delivery. North Dakota: timely notice must be given to Presidential within fifteen (15) calendar days of when Customer receives the delivery. Arkansas, Michigan, Virginia, Wisconsin: timely notice must be given to Presidential within three (3) business days after the due date that you sign the state specific Addendum. Addendum is provided with the invoice. Signed Addendum must be sent within the specific time and if sent via mail, Addendum must be properly addressed and postage prepaid with postage marked within the time period allotted for the specific state in which you reside. Indiana, Pennsylvania, South Dakota, Vermont, and Wyoming: timely notice must be given to Presidential within ten (10) calendar days of when Customer receives the delivery.

Confidentiality and Authorization:

Customer agrees that whether the Customer places a call to Presidential or Presidential places a call to the Customer(s), telephone calls may be recorded and/or monitored, yet not all calls are recorded. Customer also consents to tape recording/ monitoring of Customer’s telephone conversations with any of Presidential’s representatives and authorized outside parties. Customer acknowledges that the Customer does not have a reasonable expectation of privacy during any calls made to or from Presidential Metals Exchange. Customer also understands and agrees, with respect to the potential monitoring and or recording of all Customer’s telephone calls, the Customer waives the right to claim at any time that any conversations between Customer and Presidential are or were confidential. Presidential does not consent to the recording of telephone conversations by the Customer(s) or any third party unless stated otherwise by Presidential representative.

Customer (or Customer’s authorized representative for Customer’s other than an individual) states that the Customer is capable and of legal age to enter into the Presidential Metals Agreement. Customer authorizes Presidential to follow the instructions of any signer without notice to or consent from others or any other non-signer if this Agreement is signed by or on behalf of more than one person. This also applies to an owner by virtue of a community property interest or other operation of law. In the event Presidential receives instructions from a signer differing from the authorized signer, Presidential will follow the first instruction received. If a signer becomes incompetent in any way, this Agreement shall survive and Presidential may rely on instructions of any other signer by providing a certified death certificate in order for Presidential to treat the Customer’s goods as belonging to the estate or lawful heirs. The decedent’s estate will remain fully liable for all obligations incurred up to the Customer’s death. The decedent’s estate shall be liable for all obligations incurred thereafter. Furthermore, Customer agrees to provide any additional consent to make a determination regarding customer products purchased. Customer agrees to hold Presidential harmless and protect Presidential against any loss, liability, cost or expense, including attorney’s fees, resulting from any action taken by Presidential regarding the referenced matter.

Risk Factors and Investment Considerations Authenticity Risks:

Forgery and counterfeiting are risks associated with the purchase of rare coins. To minimize the risks, it is recommended that investors only buy coins certified by one of the independent grading companies. Apart from certain UN-certified circulated coins, each coin sold by Presidential that has been graded by (PCGS) or (NGC). Each of these coin grading services is recognized within the coin grading industry for its superior expertise, and each guarantee that coins certified by it are authentic. Presidential relies upon those guarantees in selling coins and does not independently verify whether certified coins are authentic.

Grading Risks:

The value of a coin is highly dependent upon the condition, or “grade” of that coin. Since grading is a matter of opinion, there is risk in acquiring coins whose grades have not been independently certified by (NGC) or (PCGS), and it is possible for the independent grading companies to assign a different grade to the same coin upon resubmission. The guarantees provided by such services provide protection against mis-grading, given the continuing solvency of the services. Presidential Metals is in no way responsible for any of the guarantees provided by (NGC) or (PCGS).

Volatility:

Precious Metals: coins, bars, rounds, Commemorative Bullion coins, and investment grade coin markets are subject to substantial price fluctuations, including significant and rapid increases and decreases in price. Investors must be able to assume the risk of such price movements. Presidential does not recommend owning Precious Metals: coins, rounds, bars, Commemorative Bullion coins, and Numismatic coins if you are unable to withstand volatility and/or loss.

Investment Performance:

The past performance of Precious Metals: coins, bars, rounds, Commemorative Bullion coins and Numismatic coins does not dictate future performance. There is absolutely no way to predict what the future value of these products will be. It is the responsibility of the Customer to choose the appropriate Precious Metals for their collection or investment portfolio. Presidential representative will provide insight and information regarding Precious Metals products but ultimately it is the Customers final decision on which products they would like to own.

Bid Price:

Presidential Metals is a buyer of Precious Metals: bars, Commemorative Bullion coins, rounds and Numismatic pieces. If you would like to sell your Precious Metal products, Presidential would be interested in purchasing from you but does not guarantee that they will purchase and/or be able to provide you with a “bid” price for these items. Should Presidential give you a “bid” price for your items, that price may change without warning. The “bid” or sale price fluctuates on an hourly basis and can rise or fall under various market conditions. Presidential’s “bid” or buyback may be significantly higher than other Precious Metals dealers.

Unregulated Environment of the Numismatic Market:

The coin market is not subject to some of the forms of governmental regulation applicable to other forms of investment arenas. Conversely, there can be no assurance that, in the future, regulations which materially affect the coin market will not be placed on the coin market. At present, there are zero (0) restrictions of the ownership of precious metals: bars, rounds, coins, Commemorative Bullion coins and Numismatic items.

Economic Forces:

The success of an investment in Precious Metals: coins, rounds, Commemorative Bullion coins, bars, and Numismatic items is dependent, at least in part, upon economic forces such as inflation, supply, demand, international monetary conditions. The impact of these forces on the value of Precious Metal products cannot be predicted with complete certainty. No guarantees can be given that an investor or collector will be able to sell his or her coins at a higher price than what they had paid. ALL investments involve risk. Precious metals: coins, bars, rounds, Commemorative Bullion coins and Numismatic coins are NO exception. The value of these products may also rise or fall over time.

Additional Considerations / Risks:

Presidential Metals does not guarantee that a Customer buying Precious Metal products for investment purposes will be able to sell at a profit. Bullion products value is largely determined by the spot price and may fluctuate throughout each day. The value of Numismatic items, or Commemorative coins is determined by several factors which can and do fluctuate outside of the Bullion prices. The factors include: scarcity or perceived scarcity, demand, quality/grade, and also economic factors. These products may not be suitable for everyone. Presidential does not determine the suitability of any specific person to purchase Precious Metal products. You should not acquire ANY products from Presidential if are not qualified to make your own financial decisions. You should obtain a thorough understanding of the Precious Metals market before your purchases. The investment value of Precious Metals: coins, bars, rounds, Commemorative Bullion coins, and Numismatic coins depends in large part on the price which you pay. If you are acquiring any of these products as an investment, you should evaluate its current market value, and the potential to go up in value/price. Since these products may decrease in value you should have adequate cash reserves and disposable income before acquiring such products.

Accountability Regarding Guarantees/ Warranties:

Presidential does not claim that any product it sells is or will be suitable for buying, using and/or selling for any specific purpose. Customer also agrees that no guarantees or warranties of any kind, including future value have been made by Presidential regarding any products that it offers. Customer agrees that Presidential has not made any guarantees on any items that it has sold customer. Presidential is not a grading company. Presidential will not be held accountable for variation of grading from NGC OR PCGS. Presidential does guarantee that the Precious Metals: coins, rounds, bars, Commemorative Bullion coins, and Numismatic items it sells are authentic as stated by the various grading services.

Notice:

Telephone sales representatives at Presidential Metals may be compensated through commissions; however, most staff members are also paid a salary or hourly rate. Their commissions, where applicable, are usually highest in Numismatic Coins as these products involve more labor, effort and time to produce, time to locate, and store in a secure location. The commissions are lower on Bullion products. Their knowledge, experience, time spent with Customer(s) and other factors vary considerably. They may receive, from time to time, undisclosed compensation for recommending specific precious metal products.

Check with a licensed professional advisor before buying or selling any stock/security, annuity, bond or any other financial product outside of the precious metals marketplace.

Further, Presidential representatives are not tax professionals, and may not provide any advice regarding taxes, or tax-ability on precious metal products. You should seek advice from your tax consultant regarding any tax implications you may or may not face.

IRA’s / Retirement Accounts:

Presidential recommends Customer(s) consult with his or her financial or tax advisor should he/she have any questions regarding the purchase or sale of Precious Metals and placing it into their IRA or Retirement Account. Additionally, tax laws are extensive and can change at any time, therefore any risk should be evaluated independently outside of Presidential Metals Exchange.

Some Bullion coins and bars may be held in an IRA or Retirement account. Customer(s) understands that there may be a spread as large as 25% for all such Bullion products. Customer(s) also understands Numismatic coins and/or other coins that may be deemed more valuable than their metal content carries a spread of up to 59.9% and their value can increase or decrease by factors by other than the spot price or the price of the underlying metal.

Presidential Metals is not affiliated with any IRA companies such as custodians or depositories. Customer is fully responsible for choosing which company they would like to work with. Presidential has no liability for any loss or damage that may result from his or her transaction with an IRA or Retirement account company.

Spread and Price Differential:

In general, Precious Metals: coins, rounds, bars, Commemorative Bullion coins and Numismatic coins are sold above their precious metals value. Bullion coins, rounds, and bars usually have the lowest premiums and Numismatic coins have higher premiums. Premiums may increase or decrease based upon market conditions. These factors may affect a coin’s pricing beyond changes in the spot prices. Price differential or “spread” is the difference between Presidential’s selling price (“ask”) and Presidential’s buyback price (“bid”). The “bid” price is what Presidential will pay the Customer for a Precious Metal product. The “ask’ price is what Presidential will charge for a Precious Metal product. Presidential Metals does not guarantee that Customer will be able to sell the product(s) at the original price or a higher price in the future.

Presidential Metals spread on Numismatic coins may be as high as 59.9%. Spreads will vary based on market conditions and may be lower at certain times.

Forecasting for Investors and Aspects to Consider:

Presidential Metals cannot provide any forecast or prediction regarding increase or decrease in the value of any Precious Metal products. Customer(s) fully understands that investment(s) in any Precious Metal product(s) is speculative, volatile and can be unpredictable due to prices rising or falling. For a profit to be made, prices must be greater than the spreads and costs.

Presidential representatives may discuss the general direction of various financial markets but are in NO way shape or form certified to make any claims regarding the market moving up or down.

Other dealers may term, grade, or classify coins differently than Presidential Metals Exchange. Presidential classifies coins as Bullion, Commemorative, Semi-Numismatic and Numismatic coins. Bullion may come in bar or coin form. Some coins may fall within more than one category depending on their specific grade or condition. Numismatic coins value is principally based upon such factors as grade, scarcity, condition, and demand rather than the melt price. Commemorative coins are coins that contain Precious Metals that generally move up and down with the spot price of the Precious Metal, but also contain additional value above the melt price of the metal. Investment grade coins have been certified by a third-party grading agency to guarantee their condition also help track the rarity of the product. Its value is principally based upon its Precious Metal value plus the cost of production. The value of a Bullion product rises and falls with the price of the Precious Metal. There are also a number of objective and subjective factors, including the age of the product, condition, the number of known copies, the likelihood of additional copies that may or may not be made, historical events, and also the investor or collectors personal desire to own the product(s). A classification of Precious Metals is only an opinion and may change overtime.

Consent to Call / Do Not Call:

Customer agrees that by entering into this agreement, Customer hereby authorizes Presidential to telephone you at telephone numbers provided to Presidential, irrespective of whether Customer’s telephone number(s) appear in the “National Do Not Call Registry.” 16 CFR 310.4(b)(1)(iti) (13X11) and (11). In the event you do not want to be contacted via telephone, inform Presidential as such and we will immediately place you on the “Do Not Call” list.

Other Terms and Conditions:

Presidential Metals shall not be liable for any loss, delay, or failure to perform due to circumstances beyond Presidential Metals reasonable control. This includes but is not limited to Acts of God, earthquake, natural disaster, changes in government policy, war, embargo, riot, change in market conditions, internet failure, internet or computer system hack, war, revolution or anything else caused outside of Presidential Metals control.

In the event Presidential does not exercise Presidential’s rights in one or more instance, Presidential’s actions will hold no bearing on exercising Presidential’s rights at a later time, nor should Presidential’s actions be deemed as a waiver of this Agreement.

Should any term of this Agreement become inconsistent with applicable law, such term will be modified in accordance with such law or removed from the Agreement. All other terms shall remain in effect.

Arbitration Agreement:

The parties agree that any dispute, claim or controversy arising out of or relating to this Transaction Agreement or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, or any other dispute, claim or controversy arising out of any interaction or transaction of any kind, regarding any customer, current or in the future, between Customer and Presidential, including any of Presidential’s current or former representatives, directors, officers and Customers, shall be brought and be determined by arbitration in West Palm Beach, Florida before one arbitrator. Parties agree that any claim shall be brought in the parties individual capacity and not as a class member in any purported class or representative proceeding. The parties agree the arbitrator may not combine more than one person’s claim and may not otherwise preside over any form of a representative or proceeding. The arbitration shall be administered by an arbitration service company Presidential elects. Arbitration shall be pursuant to comprehensive arbitration rules and procedures (if the amount in controversy exceeds $250,000) or its streamlined arbitration rules and procedures (if the amount is less than $250,000). All proceedings should be kept in strictest confidence. Customer and Presidential waive the rights, if any, to bring any claim that is subject to this arbitration provision as a class action or otherwise on a representative basis. Judgment on any award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. Under no circumstances shall Presidential Metals be liable to any person or entity for indirect, incidental additional, punitive, exemplary or consequential damages even if Presidential has been advised of the possibility of such damages. Presidential’s liability in all claims shall not exceed the amount actually paid by the Customer for the items in dispute, less the items fair market value as of the date and arbitration is commenced. Customer confirms that he or she has read and understood this section regarding arbitration and voluntarily agrees to binding arbitration. In doing so, Customer(s) voluntarily gives up important consultation rights to trial by Judge or Jury, as well as rights to appeal. Except as prescribed by law or where a shorter applicable statute of limitation exists, any claim or legal action of any kind arising in connection with or relating in any way to purchases from Presidential Metals Exchange, or otherwise must be brought within one (1) year after the purchase or sale. Any claim or legal action of any kind arising past this time will be considered null and void. If this clause is determined to be unenforceable as to any claim or claims under the law of the applicable jurisdiction, it shall remain fully enforceable as to all other claims. If a claim is brought for the reason of failure to remit payment, the prevailing party shall be entitled reasonable legal fees and costs for such claim.

Legal Disclosure and Disclaimer:

Precious Metals: coins, bars, rounds, Commemorative Bullion coins, and Numismatic items are subject to substantial price fluctuations, including significant and rapid increases and decreases in price. Investors must be able to assume the risk of such price movements. Presidential does not recommend owning Precious Metals: coins, bars, rounds, Commemorative Bullion coins, and Numismatic items if you are unable to withstand volatility and/or loss. Past performance does not dictate future performance. There is absolutely no way to predict what the future value of these products will be. It is the responsibility of the Customer to choose the appropriate Precious Metals for their collection or investment portfolio. Presidential representatives will provide information regarding Precious Metals products but ultimately it is the Customers’ final decision on which products they would like to own.

Presidential Metals and any representatives employed by Presidential are NOT financial advisors, investment advisors, or tax professionals and the information contained herein shall be used just for its intended purpose, information only. Any marketing material provided by Presidential Metals Exchange or its representatives is for informational purposes ONLY and is NOT to be classified as investment or financial advice. All investments involve risk; Precious Metals are no exception.