Conjointly

The Cledara Group consists of Cledara Inc., a Delaware Corporation and Cledara Limited, registered in the UK (11455373). Cledara Limited is registered under the UK Data Protection Act (ZA466806). Cledara Limited is registered with the UK Financial Conduct Authority as an EMD Agent (reference no. 902831) of PayrNet Limited, an Electronic Money Institution authorized by the UK Financial Conduct Authority (reference number: 900594). In the United States, the Cledara Virtual Credit Mastercard® is issued by CBW Bank pursuant to a license by Mastercard International Incorporated. In the UK and Europe, the Cledara Virtual Debit Mastercard® is issued by PayrNet UK Limited pursuant to a license by Mastercard International. By using the virtual card, the cardholder agrees to all terms under which it was issued.