Disclosures

PROSPERITY NAVIGATOR PROGRAM — COLLECTIONS SERVICE AGREEMENT & FEE DISCLOSURE (DRAFT — pending counsel review). 1. SERVICE. QUANTVESTRIX INC. provides accounts-receivable recovery and debt-resolution services for accounts the Client places for collection. 2. ENGAGEMENT FEE. A non-refundable engagement fee of $250 (minimum) is charged to engage the service and open the file (intake, documentation review, verification). Collected at enrollment. 3. CONTINGENCY FEE (no recovery, no fee). In addition to the engagement fee, QVTX is paid a percentage of amounts ACTUALLY RECOVERED. The tier is set at intake based on debt age, documentation, dispute status, debtor locatability/solvency, and whether litigation is required, confirmed in writing before work begins: • Standard (0–90 days, fully documented, debtor located & solvent, undisputed): 40% • Moderate (91–365 days, minor dispute, light skip-trace, partial docs): 50% • Complex (1–3 years, disputed, skip-trace/asset search, formal demand + pre-litigation): 60% • Maximum (3+ years, litigation/judgment enforcement, evasive debtor, multi-jurisdiction/international): 70% 4. COSTS. Court/filing costs are either Client-advanced or QVTX-advanced and reimbursed from recovery, per the enrollment selection. 5. AUTHORIZATION & ASSIGNMENT. The Client authorizes QVTX to pursue recovery and communicate with the debtor on the Client's behalf, and assigns the right to collect for the limited purpose of recovery. Recovered funds are deposited to a designated account and remitted net of the agreed fee and advanced costs. The Client warrants each debt is valid, owed, and accurately stated. 6. REGULATORY (counsel to finalize). FDCPA applies to consumer accounts; state collection-agency licensing/bonding may be required in the debtor's jurisdiction; for any consumer debt-settlement/negotiation, fees are earned only upon a settlement the consumer accepts and pays toward (FTC TSR). The Maximum-tier (70%) fee is subject to per-jurisdiction reasonableness review. The non-refundable engagement fee is subject to applicable consumer-protection review. This disclosure is DRAFT and not effective until approved by counsel (Greenspoon Marder) and released through the QVTX authority chain.

AUTHORIZED COLLECTION TRANSFER — SERVICE & FEE DISCLOSURE (DRAFT — pending counsel review). 1. SERVICE. QUANTVESTRIX INC. receives an amount the Payor has ALREADY AUTHORIZED (signed authorization/agreement, court judgment/order, confirmed invoice, or executed settlement) and remits it to the Client net of the fees below. QVTX does NOT pursue, demand, or negotiate any amount under this service — facilitation/disbursement only, distinct from the Prosperity Navigator recovery program. 2. ENGAGEMENT FEE. A non-refundable engagement fee of $250 is charged to engage the service (intake, verification, setup), collected at enrollment. 3. SLIDING TRANSFER FEE (by authorized amount), in addition to the engagement fee: • Up to $25,000: 10% • $25,001–$100,000: 8% • $100,001–$500,000: 6% • $500,001–$2,000,000: 4% • Over $2,000,000: 3% (or negotiated) Total fees = $250 engagement + (authorized amount × tier rate). 4. AUTHORIZATION. The Client warrants the amount is genuinely authorized by the Payor and that proof will be provided. Funds flow through verified payout rails (ACH/wire/SEPA/UK/SWIFT) with multi-source destination verification and authority-chain release. 5. REGULATORY (counsel to confirm). Receiving and remitting third-party funds may trigger money-transmission/escrow licensing; this service must be genuine authorized-funds handling and not disguised collection or settlement (which would invoke FDCPA/TSR). This disclosure is DRAFT and not effective until approved by counsel and released through the QVTX authority chain.

DRAFT — PENDING LEGAL REVIEW QVTX FINANCIAL SERVICES RISK DISCLOSURE Effective Date: [TBD] IMPORTANT: Please read this disclosure carefully before selecting investment or lending services. 1. INVESTMENT RISKS All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. The value of investments may fluctuate due to market conditions, economic factors, and other variables. 2. MARKET RISK Securities and investment products are subject to market risk. Market values can decline due to economic conditions, geopolitical events, regulatory changes, or company-specific factors. 3. CREDIT RISK Lending and credit products carry the risk of borrower default. Commercial lending decisions are based on creditworthiness assessments that may not predict future ability to repay. 4. FOREIGN EXCHANGE RISK International services and cross-border transactions are subject to currency fluctuation risk. Exchange rates may change unfavorably between the time a transaction is initiated and settled. 5. TECHNOLOGY RISK While QVTX employs ByteID substrate technology for verification, no system is entirely free from technical risk, including potential service interruptions or system failures. 6. REGULATORY RISK Financial services are subject to changing regulations. Regulatory changes may affect the availability, terms, or costs of services. NO GUARANTEE OF RETURNS: QVTX does not guarantee any specific returns on investments or financial products. This document is a DRAFT and is subject to revision pending legal review.

DRAFT — PENDING LEGAL REVIEW QVTX FINANCIAL SERVICES FEE SCHEDULE Effective Date: [TBD] DIGITAL BANKING • Monthly Account Maintenance: $0.00 • Domestic Wire Transfer: $25.00 per transfer • International Wire Transfer: $45.00 per transfer • ACH Transfer: $0.00 • Overdraft Fee: $35.00 per occurrence INVESTMENT MANAGEMENT • Robo-Advisory: 0.25% annual management fee • Custom Portfolio Management: 0.50% - 1.00% annual management fee (based on AUM) • Trading Commission: $0.00 for standard trades • Mutual Fund Transaction: $0.00 for no-load funds PAYMENT PROCESSING (API) • Per Transaction: 2.9% + $0.30 (card payments) • ACH Processing: 0.8% capped at $5.00 • Real-Time Settlement Surcharge: $0.50 per settlement COMMERCIAL LENDING • Origination Fee: 1.0% - 2.5% of loan amount • Late Payment Fee: 5% of payment amount or $25, whichever is greater • Prepayment Penalty: None for variable-rate products GENERAL • Paper Statement Fee: $5.00 per statement • Account Closure within 90 days: $25.00 All fees are subject to change with 30 days prior written notice. This document is a DRAFT and is subject to revision pending legal review.

DRAFT — PENDING LEGAL REVIEW REGULATORY COMPLIANCE NOTICE Effective Date: [TBD] KNOW YOUR CUSTOMER (KYC) QVTX Financial Services is required to verify the identity of all customers in accordance with the USA PATRIOT Act and Bank Secrecy Act requirements. By enrolling, you consent to identity verification procedures. ANTI-MONEY LAUNDERING (AML) QVTX maintains a comprehensive Anti-Money Laundering program. Transactions may be monitored, reported, or delayed to comply with AML regulations. Suspicious activity may be reported to the Financial Crimes Enforcement Network (FinCEN). OFAC COMPLIANCE QVTX screens all customers and transactions against the Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons list. Transactions involving sanctioned entities or jurisdictions will be blocked. FDIC / SIPC COVERAGE Banking deposits may be eligible for FDIC insurance up to applicable limits. Investment accounts may be protected by SIPC up to applicable limits. Coverage terms and limits are subject to the applicable insurance or protection program rules. COMPLAINTS If you have a complaint about QVTX services, please contact our compliance department. If your complaint is not resolved to your satisfaction, you may contact the appropriate regulatory authority. This document is a DRAFT and is subject to revision pending legal review.

DRAFT — PENDING LEGAL REVIEW QVTX FINANCIAL SERVICES PRIVACY POLICY Effective Date: [TBD] 1. INFORMATION WE COLLECT We collect personal information you provide during enrollment, including your name, email address, phone number, date of birth, Social Security number (last four digits), residential address, employment information, and financial data including annual income and risk tolerance preferences. 2. HOW WE USE YOUR INFORMATION Your information is used to: (a) Process your enrollment application; (b) Provide and maintain financial services; (c) Generate and verify QVTX ByteID stamps; (d) Comply with regulatory requirements including KYC and AML obligations; (e) Communicate with you about your account and services. 3. BYTEID DATA STAMPING Every record, transaction, and authorization within the QVTX platform is stamped with a unique quaternary ByteID. These identifiers are generated by the QVTX substrate and provide an immutable verification trail. 4. DATA SHARING We do not sell your personal information. We may share information with: (a) Regulatory authorities as required by law; (b) Service providers who assist in platform operations; (c) Financial partners necessary to process your transactions. 5. DATA SECURITY We implement industry-standard security measures to protect your personal information, including encryption at rest and in transit, access controls, and regular security audits. 6. YOUR RIGHTS You have the right to: (a) Access your personal data; (b) Request correction of inaccurate data; (c) Request deletion of your data, subject to regulatory retention requirements; (d) Opt out of non-essential communications. This document is a DRAFT and is subject to revision pending legal review.

DRAFT — PENDING LEGAL REVIEW QVTX FINANCIAL SERVICES TERMS OF SERVICE Effective Date: [TBD] 1. ACCEPTANCE OF TERMS By enrolling in and using QVTX Financial Services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you may not access or use the Services. 2. ELIGIBILITY You must be at least 18 years of age and a U.S. resident to enroll. By enrolling, you represent that the information you provide is accurate, complete, and current. 3. ACCOUNT REGISTRATION Upon enrollment, you will be assigned a unique QVTX ByteID. This identifier is permanently associated with your account and all records therein. You are responsible for maintaining the confidentiality of your account credentials. 4. SERVICES DESCRIPTION QVTX provides digital banking, investment management, payment processing, commercial lending, wealth planning, treasury management, international services, and compliance solutions, each subject to additional service-specific terms. 5. FEES AND CHARGES Fees applicable to your selected services are disclosed in the Fee Schedule disclosure. QVTX reserves the right to modify fees with 30 days advance notice. 6. LIMITATION OF LIABILITY To the maximum extent permitted by law, QVTX shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. 7. GOVERNING LAW These Terms shall be governed by the laws of the State of Delaware without regard to conflict of law principles. This document is a DRAFT and is subject to revision pending legal review.

DRAFT — PENDING LEGAL REVIEW ELECTRONIC COMMUNICATIONS AUTHORIZATION Effective Date: [TBD] By acknowledging this authorization, you consent to receive all communications from QVTX Financial Services electronically, including but not limited to: • Account statements and confirmations • Disclosures, notices, and amendments to terms • Tax documents and regulatory notices • Marketing communications (from which you may opt out) DELIVERY METHOD Electronic communications will be delivered via: (a) Email to the address on file; (b) Secure messages within the QVTX platform; (c) Push notifications if enabled on your device. HARDWARE/SOFTWARE REQUIREMENTS To receive electronic communications, you must have: (a) A device with internet access; (b) A current web browser supporting TLS 1.2 or higher; (c) A valid email address. WITHDRAWAL OF CONSENT You may withdraw consent to electronic communications at any time by contacting QVTX support. Withdrawal may result in account restrictions or additional fees for paper delivery. RECORD RETENTION All electronic communications are ByteID-stamped and retained in accordance with applicable regulatory requirements. This document is a DRAFT and is subject to revision pending legal review.