Additional T&Cs relating to Payments, Transfers or Remittance

• Title: Changed the title of this Additional T&Cs from “Payments, Transfer, and Withdrawals” to “Payments, Transfers, or Remittance” to include remittance services.

• Clause 1.1 of the Payments, Transfers or Remittance T&Cs: Amended the clause to include remittance services.

• Clause 2 of the Payments, Transfers or Remittance T&Cs: Included this new clause explaining StraitsX’s remittance services, including how a user may access the service from a third-party platform to instruct StraitsX to transfer funds to or receive funds from a designated bank account. Clarified that users accessing remittance services will be onboarded with StraitsX and be given a StraitsX Account, and will still be subject to KYC and KYB checks. Stated that users do not have any recourse with StraitsX upon the successful execution of a remittance, and users should seek recourse with the relevant third party for disputes, including but not limited to disputes over the promised or provided goods, services, assets, or funds.

• Clause 3 of the Payments, Transfers or Remittance T&Cs: Expanded the clause to cover remittance transactions, including the clarification in new clause 3.7 that it is the user’s obligation to ensure the accuracy and completeness of all aspects of the payment/transfer/remittance, and the clarification in new clause 3.13 that the funds, StraitsX Tokens or Non-StraitsX Tokens may be returned to the user’s originating account if the payment/transfer/remittance fails and any impact on the underlying transaction with any third party shall be the sole responsibility of that third party. Made clear that StraitsX will not be liable for such matters.

• Clause 4 of the Payments, Transfers or Remittance T&Cs: Expanded the clause to cover remittance transactions, including the clarification in new clause 4.8 that the funds, StraitsX Tokens and/or Non-StraitsX Tokens will be returned back to the sender’s originating account if the payment/transfer/remittance fails and any impact on the underlying transaction with any third party shall be the sole responsibility of that third party. Made clear that StraitsX will not be liable for such matters.

• Clause 5.1 of the Payments, Transfers or Remittance T&Cs: Amended the clause to reflect that users may be using StraitsX’s third-party service providers when conducting a remittance transaction.