Ann: IOUpay Partners with RMS Reloads, page-14

RMS Reloads has more than
10,000 physical points-of-presence in Malaysia providing its over-the-counter services including 2,500 7-
Eleven stores, 1,900 99 Speedmart stores, 518 KK MART stores to name a few. Each of these stores will
effectively serve as payment collection agencies for the Company under the Agreement wgich provides
IOUpay customers with a convenient in-field, over-the-counter alternative, enabling customers to make their
BNPL instalment payments to IOUpay at any of RMS Reloads’ vast national merchant network across
Malaysia.