Legal Disclosures & Offering Circular

SEC Regulation A Offering

Afro Dollar Money Inc. is conducting a securities offering pursuant to Regulation A of the Securities Act of 1933. The offering has been filed with the U.S. Securities and Exchange Commission under File No. 024-11905.

Non-accredited investors may invest up to 10% of the greater of their annual income or net worth in any 12-month period. Accredited investors have no maximum investment limit under this offering. All investors must hold a minimum of 2 shares to maintain active membership status.

The offering circular filed with the SEC contains important information about the company, its business, risks, and use of proceeds. You are encouraged to read the full offering circular before making any investment decision. The offering circular is available on EDGAR at sec.gov under File No. 024-11905.

To view the filing on EDGAR: Visit sec.gov → EDGAR Full-Text Search → enter File No. 024-11905. This document is provided for reference. Always review the most current EDGAR filing.

Digital ADD & Digital AFR — What They Are

Afro Dollar Money operates a closed-loop digital currency network with two internal instruments:

• Digital ADD (AFRO Dollar Digital) — the US domestic stored value unit, used for payments, transfers, and giving within the United States.
• Digital AFR (American Freedom Reserve) — the cross-border stored value unit, used for international transfers and commerce across 54+ African nations.

Both Digital ADD and Digital AFR are equal to Ȿ1 AFRO in internal value. USD never converts inside the ADM platform. When a member or merchant wishes to convert AFRO to USD, they submit a bank settlement request. Their bank converts AFRO to USD at settlement. ADM charges a 3.5% flat exit fee on all USD conversions.

Digital ADD and Digital AFR are not securities, not bank deposits, and not FDIC insured. They are closed-loop stored value instruments operating within the Afro Dollar Money platform network.

Membership Rules

• All members must hold a minimum of 2 shares to remain active on the platform.
• All shares are fully tradeable within the ADM member platform.
• Non-accredited investors may invest up to 10% of their annual income or net worth (whichever is greater) in any 12-month period.
• Accredited investors are subject to no maximum investment limit.
• Members may upgrade, downgrade, or exit their privacy level at any time subject to the rules of their selected level.
• Level 5 Exit is permanent and irrevocable. Members who exit receive a credential packet and signed certificate. Lost credentials result in a permanent bar with no admin override.

Fee Schedule

Transaction Fees:

• P2P (ADD Rail): Free
• P2P (AFR Rail): 0.25%
• Customer to Business, ADD: 0.50% + 1.5% community fund + 1% cashback to customer
• Customer to Business, AFR: 0.75% + 1.5% community fund + 1% cashback
• Customer to Government: 0.30% ADD · 0.50% AFR
• Business to Business: 0.80% ADD · 1.00% AFR
• Church / Nonprofit Giving: 0% — Always Free on both rails
• USD Conversion Exit: 3.5% flat

Privacy Level Monthly Fees:

• Level 1 — Standard: Free
• Level 2 — Privileged: Ȿ 5/month or Ȿ 50/year
• Level 3 — 3rd Party: Ȿ 12/month or Ȿ 120/year
• Level 4 — Ghost Extreme: Ȿ 500 one-time setup fee + Ȿ 20/month or Ȿ 200/year
• Level 5 — Exit Extreme: Ȿ 1,000+ one-time setup fee · Ȿ 5 re-entry fee (if returning with valid credentials)

Deposit Fees: ACH / Wire: Free · Debit Card: 1.50% · Credit Card: 2.90% + $0.30 · USDC/USDT: 0.50%

Privacy Policy

Afro Dollar Money Inc. is committed to protecting your personal information. This policy explains how we collect, use, and store your data.

Data We Collect: Name, email address, phone number, date of birth, home address, government-issued ID (for Full KYC), transaction history, device identifiers, and IP addresses when you use the ADM platform.

How We Use Your Data: To operate your AFRO wallet, process transactions, comply with AML/KYC requirements, communicate with you about your account, and fulfill our obligations as a Regulation A issuer.

Data Storage: All investor and member data submitted through AFRODollar.money is stored on Afro Dollar Money's own GoDaddy-hosted servers — not on third-party cloud infrastructure. Reservation data is logged to a secure server-side file and emailed to [email protected] and [email protected].

Data Sharing: We do not sell your personal information. We may share data with regulatory authorities as required by law, with payment processors (Stripe, Plaid, Circle) as necessary to process transactions, and with our banking partners (Chase, Wells Fargo) as required for fund custody.

Transaction History: All transaction records are retained for a minimum of 7 years in compliance with AML (Anti-Money Laundering) regulations, regardless of account status.

Your Rights: You may request access to, correction of, or deletion of your personal data by contacting [email protected]. Note that data required for AML compliance cannot be deleted before the 7-year retention period expires.

Privacy Levels 4 & 5 — Off-Platform Policy

Risk Factors

Investing in Afro Dollar Money Inc. involves significant risk. You should carefully consider the following before investing:

• Early-stage company risk: Afro Dollar Money Inc. is an early-stage company. There is no guarantee of profitability or return on investment.
• Regulatory risk: The regulatory environment for digital currency and stored-value platforms is evolving. Future regulations could materially impact ADM's operations.
• Technology risk: Platform outages, cybersecurity breaches, or technical failures could affect your access to funds.
• Liquidity risk: AFRO shares and stored value instruments may not be easily convertible to cash outside of the ADM platform.
• No FDIC insurance: Digital ADD and Digital AFR are not bank deposits and are not insured by the FDIC or any government agency.
• Reserve risk: While ADM maintains a 100% USD-backed reserve policy, there is no third-party audit guarantee of this ratio at all times.
• Loss of credentials: Members who choose Level 5 Exit and lose their credentials are permanently barred from the platform with no recovery option.

This list is not exhaustive. Please review the complete offering circular filed with the SEC under File No. 024-11905 for a full description of risk factors.

Platform Credits & PayAFRO DBA

American Freedom Resources Opportunity Dollar Money Inc. operates the AFRO Dollar Money platform and the PayAFRO commerce payment platform as a DBA (doing business as). PayAFRO.com is the payment and commerce gateway for the AFRO closed-loop platform ecosystem.

AFRO platform credits ("Credits") are closed-loop service credits purchased by members for use exclusively within the AFRO platform ecosystem for transfers and commerce payments. Credits are not currency, not legal tender, and not redeemable for cash outside the platform.

AFRO platform credits are similar in nature to other closed-loop prepaid service credit systems. They are not digital currency, cryptocurrency, or investment instruments unless specifically designated as such under the Company's SEC Regulation A offering.

Card Statement Descriptors:

• Member credit purchases: PAYAFRO*PLATFORM CREDITS
• Guest commerce payments: PAYAFRO*[RECIPIENT NAME]

All card transactions are processed by Stripe on behalf of American Freedom Resources Opportunity Dollar Money Inc. DBA PayAFRO.

Guest Commerce Payments

Non-members may make one-time commerce payments to AFRO members through PayAFRO.com without creating a member account ("Guest Commerce Payments").

Guest Payment Terms:

• Guest payments are processed by card and subject to a 3.5% processing fee
• The guest sender elects who pays the fee — the sender (added to card charge) or deducted from the recipient's credit amount
• Guest payments are final and non-refundable once processed
• The recipient's AFRO wallet is credited upon successful payment confirmation
• Receipts are sent to the guest's email or phone number
• Guests who complete a payment receive a free invitation to join the AFRO platform — joining is optional

Chargebacks: Guests who dispute a card charge must first contact us at [email protected] within 7 days of the transaction. Chargebacks filed without prior contact may result in the recipient's wallet being debited for the disputed amount pending investigation.

Terms of Service

Effective Date: January 1, 2026

By accessing or using the AFRO Dollar Money or PayAFRO platform — including creating an account, purchasing platform credits, or making a guest commerce payment — you agree to these Terms of Service.

Eligibility: You must be at least 18 years of age and legally capable of entering a binding agreement. Business and nonprofit accounts require a valid EIN.

Prohibited Activities: The following are strictly prohibited:

• Using the platform for illegal purposes including fraud, money laundering, or financing prohibited activities
• Providing false or misleading identity information
• Attempting to circumvent KYC or platform security
• Attempting to convert platform credits to cash through unauthorized means
• Harassing, threatening, or defrauding other members

Limitation of Liability: The platform is provided "as is." The Company's total liability to any user shall not exceed the total credits purchased by that user in the prior 12 months. We are not liable for indirect, consequential, or punitive damages.

Dispute Resolution: Contact [email protected] first. Unresolved disputes are subject to binding arbitration under AAA rules in Chicago, Illinois. Class action waiver applies.

Governing Law: Illinois law governs these Terms. Courts in Cook County, Illinois have exclusive jurisdiction for non-arbitration claims.

Modifications: We may update these Terms with 14 days notice to members by email or platform notification. Continued use constitutes acceptance.

Contact Information

Afro Dollar Money Inc.
Chicago, Illinois
United States

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