Licensing & Regulatory Disclosures

Technology Platform

Paymenture provides software, infrastructure, orchestration, integration, and technology services supporting access to financial products and services offered by regulated third-party financial institutions and Service Providers.

Unless expressly stated otherwise:

• Paymenture is not a bank;
• Paymenture is not a deposit-taking institution;
• Paymenture is not a trustee;
• Paymenture is not a custodian; and
• Paymenture does not provide regulated financial services directly.

Third-Party Service Providers

Financial products and services accessible through the platform may be provided by:

• sponsor banks;
• card issuers;
• electronic money institutions ("EMIs");
• payment processors;
• virtual asset service providers ("VASPs");
• custodians;
• payment institutions; or
• other regulated Service Providers.

Availability varies by:

• jurisdiction;
• product;
• provider; and
• regulatory requirements.

FDIC & Deposit Disclosures

Unless expressly stated otherwise:

• wallet balances are not bank deposits;
• digital assets are not insured deposits;
• stablecoins are not bank deposits; and
• balances accessible through the Services are not insured by the

FDIC.

Any applicable safeguarding, pass-through insurance, or deposit protections are subject to:

• the applicable Service Provider;
• applicable law; and
• provider-specific disclosures.

Digital Asset Disclosures

Digital asset functionality may involve:

• blockchain settlement;
• stablecoins;
• tokenized assets;
• cryptocurrency transfers; or
• digital asset wallets.

Digital assets:

• may be volatile;
• may lose value rapidly;
• may become unavailable;
• may be subject to regulatory restrictions; and
• may involve irreversible transactions.

Compliance & Monitoring

Paymenture and its Service Providers may conduct:

• sanctions screening;
• blockchain analytics;
• transaction monitoring;
• fraud monitoring;
• cybersecurity monitoring; and
• Travel Rule compliance activities.

Paymenture may:

• freeze transactions;
• restrict Services;
• reject onboarding; or
• cooperate with regulators and law enforcement.

Changes to Providers & Programs

Paymenture may:

• change sponsor banks;
• change issuers;
• change custodians;
• change payment processors;
• migrate infrastructure; or
• modify provider relationships

at any time.