TransFi Business Services Agreement – Summary document for reference purposes. This Agreement, including all appendices, schedules and attachments, is between NEOMONEY INC. (the “Customer”) and TransFi (the “Service Provider”). Overview By signing electronically, the Customer agrees to be bound by this Agreement, including all appendices, schedules and attachments. This Agreement governs the relationship between the Parties for the provision of TransFi’s Products and Services. Definitions Affiliate means any entity that controls, is controlled by, or is under common control with TransFi. Agreement means this Business Services Agreement between TransFi and Customer. AML means anti-money laundering. API means Application Programming Interface. Applicable Law means all laws and regulatory requirements applicable to a Party. Business Day means a day other than Saturday, Sunday or public holiday in London, UK. Confidential Information has the meaning set out in section 12 of this Agreement. Chargebacks means a reversal of a transaction or request for repayment as described in this Agreement. The Agreement further covers the circumstances and reasons for Chargebacks, and defines Client, End User, and other key terms as used herein. Products and Services Products & Services means the products and services TransFi will provide to the Customer, the Customer’s Clients, or End Users, including but not limited to: Collections : enables fiat collection via a payment link with settlements in stablecoins. Payouts : enables payments to third parties in fiat or stablecoins globally. Cross border payments : fiat-to-fiat transfers using stablecoins as rails. Issuance of Multi-Currency Accounts : balances in multiple currencies with supported fiat and digital assets. Checkout : merchants can accept payments via cards, APMs, wallets, bank transfers and crypto, settled in fiat or crypto. Subject to prior written approval, the Customer may embed the TransFi API and use the TransFi Platform with the Customer’s products. Obligations of the Parties TransFi’s obligations : process transactions for the signed products and services; pricing and settlement terms are described in Appendix 2. Customer’s obligations : comply with Applicable Laws; cooperate with TransFi; provide documentation and information as required; ensure licensing and authorisation; perform KYC/AML activities for Clients, Merchants, Sub-Merchants and End Users; ensure compliance by its Clients; pay Fees per Appendix 2; keep information accurate. Integration : Customer is responsible for integration of the API and embedding Users into TransFi’s services in compliance with law. Relationship : this Agreement is not exclusive; TransFi may perform KYC/AML before accepting transactions; may email content to Users with consent. The Parties acknowledge that compliance remains the Customer’s responsibility and TransFi reserves rights to suspend/terminate accounts for non-compliance with this Agreement and TransFi’s Terms & Conditions. Fees, Billing and Payments Pricing and settlement terms are defined in Appendix 2. Taxes: Customer pays all taxes related to the Products and Services. Invoices: payment is due within 30 days; late payments incur interest at 3% above the Bank of England base rate, compounded monthly. TransFi may suspend services for non-payment after 60 days. Term and Termination Term: from Effective Date until terminated per this section. Termination for convenience: TransFi may terminate with immediate effect, without reason. Termination for cause: immediate termination if event of default or insolvency occurs or material breach remains uncured. Post-termination: parties must destroy or return confidential information unless legally required to retain; outstanding amounts must be settled within 10 business days. Confidentiality Confidential Information includes the existence and terms of this Agreement and other disclosed information. Obligations: hold secure, do not disclose to third parties, and use information only to perform obligations. Survival: confidentiality obligations continue for three (3) years after termination. Indemnification and Limitation of Liability Customer remains responsible for ensuring Clients’ compliance; TransFi not liable for Customer/End User actions. Indemnification: Customer liable for direct damages caused by breach or IP infringement. Limitation: liability capped to fees paid to TransFi in the prior six months, with certain carve-outs for fraud, chargebacks, penalties, etc. Chargebacks, fraud recalls and related liabilities rest with the Customer. TransFi may withhold funds or recover liabilities via reserves, withholding, or invoicing as described in this Agreement. Other Provisions Reserve: TransFi may establish reserves and set terms to mitigate risk; details to be provided to Customer. Third parties: services may be provided by Group Companies; no change to Customer rights and obligations. Change of control, assignment, and accession of affiliates: terms described in this Agreement. Notices and governing law: Singapore law; arbitration by SIAC; seat Singapore; English language; costs borne by each party. Force majeure: no liability for failure due to events beyond reasonable control. Service levels, uptime and support: service levels are defined in the Service Levels section and include escalation times, training and direct contact lines with TransFi support management. Appendix 2 – Pricing and Settlement Pricing is displayed on Customer dashboard after sign-up; payment terms include T+2 for credit cards, same-day settlement for ACH where applicable, and minimum settlement threshold of $10,000. Gas/network fees charged on actual settlement amounts. Addresses and addresses of the Customer and TransFi may be included in Appendix 2 and related sections as required by the Parties. Note: This document summarizes the key terms and is not a substitute for the full Agreement and appendices, which govern in the event of any inconsistency. #J-18808-Ljbffr