KEY FACTS STATEMENT

The Pluto Card is offered across three subscription tiers:

All fees are applicable as per the Product Terms & Conditions. Charges are stated inclusive of VAT where applicable unless noted otherwise.

3.1 Subscription Fees

For the avoidance of doubt, any monthly or recurring fee stated under a subscription tier or platform plan is a platform usage fee and not a card-related fee.

3.2 Transaction & Service Fees

3.3 Product Limits

The following limits are maximum limits. Please see your subscription tier for full pricing details and applicability.

Fees & Charges*

* This KFS provides key indicative Fees & Charges (inclusive VAT). For full and updated charges please refer to www.nymcard.com

4.1 Cashback on International Transactions (All Tiers)

• 2% cashback on eligible international (cross-border) transactions. The maximum cashback receivable on a transaction is 2%. Cashback received varies depending on tier, type of payment made, and other factors.
• Cashback accrues only on settled and successfully completed transactions.
• Cashback earned on any transaction may be reversed if that transaction is disputed, refunded, fraudulent or otherwise invalid.
• Cashback does not apply to: reversed, refunded, disputed, fraudulent, or otherwise invalid transactions.
• Specific merchant categories (MCC codes) may be excluded at Pluto's discretion.

4.2 Cashback on Domestic Transactions (Growth Tier Only)

• Up to 1% cashback on eligible domestic (UAE) transactions.
• Eligibility determined by Merchant Category Code (MCC). Not all domestic transactions qualify.
• Total monthly cashback is capped at 99% of the applicable monthly subscription fee (approximately USD 98.01 per month or as per the contract stated for enterprise or other plans).
• Pluto may amend eligible MCC categories at its discretion at any time.

• Customers may upgrade or downgrade between tiers subject to applicable subscription payment requirements and any minimum commitment period.
• Prorated charges or billing cycle alignment may apply upon tier change.
• Pluto reserves the right to migrate users between tiers where required for operational or regulatory reasons, with notice provided where practicable.
• In the event of account suspension due to non-payment, tier benefits will be suspended until full payment is received.

Pluto is committed to resolving customer complaints promptly, fairly, and free of charge. The following escalation process applies:

Sanadak (CBUAE Consumer Protection): www.sanadak.gov.ae

NymCard Payment Services LLC: www.nymcard.com

Pluto Complaints Page: www.getpluto.com/complaints

9.1 Programme Manager & Regulated Services Provider

NymCard Payment Services LLC is the Programme Manager and Regulated Services Provider for the Pluto Corporate Prepaid Card Programme. NymCard is licensed and regulated by the Central Bank of the UAE (CBUAE). NymCard is responsible for card issuance, payment processing, fund safeguarding, and all regulated financial services obligations in connection with the card programme, including obligations to NymCard affiliates and other partners involved in the issuance, management, or distribution of Cards.

9.2 BIN Sponsor

The Corporate Prepaid Card Program is provided by Pluto through Nymcard Payment Services LLC under the applicable payment network and Bank Identification Number (BIN) Sponsorship of Nymcard Payment Services LLC. This is pursuant to the license by Visa® Inc and Mastercard and is available for the residents of UAE subject to Terms and Conditions of use.

9.3 Technology & Application Provider

Pluto Technologies Limited (registered in DIFC, Dubai, UAE) is the Technology Provider and Application Provider for the Pluto Card platform. Pluto Technologies Limited is not a licensed financial institution and does not hold a CBUAE financial services licence. All regulated financial activities are conducted exclusively by NymCard Payment Services LLC.

9.4 Third-Party Service Providers Disclosure

Some services provided through the Pluto platform are delivered by third-party service providers. These include, but are not limited to:

• NymCard Payment Services LLC and its affiliates — Bin Sponsorship and regulated payment and card services
• Mastercard® International Incorporated — card network
• Any other partner or third party involved in the issuance, management, or distribution of Cards or technology solution as determined from time to time

Your personal and financial data, including identity information, transaction data, and account information may be shared with these third-party service providers to the extent necessary to deliver the services. Data sharing is conducted in accordance with applicable UAE data protection laws and the Pluto Privacy Policy.

9.5 Governing Law

These terms and this Key Facts Statement are governed by the laws of the UAE. Any disputes shall be subject to the jurisdiction of the relevant UAE courts or DIFC Courts as applicable, in accordance with the Cardholder Agreement.

9.6 AML / CFT

NymCard Payment Services LLC and Pluto Technologies Limited are required to comply with UAE Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) laws and regulations. This includes mandatory customer due diligence (KYC), ongoing transaction monitoring, and regulatory reporting obligations. Accounts may be suspended or terminated where AML/CFT concerns arise.

9.7 Additional Information

• The cooling-off period allows you to cancel the product within five (5) business days of consenting to the Terms and Conditions and this Key Fact Statement unless you waive this right. To cancel within this period, you must notify Pluto by contacting our Contact customer service at help@plutocard.io
• Not a Bank Account: This Pluto Card is not a bank account, savings account, or credit facility. Funds loaded onto the card do not earn interest and are not covered by deposit insurance schemes.
• Fund Security: While funds are held in segregated accounts, cardholders should be aware that prepaid cards carry different protections compared to traditional bank deposits. Card balances are subject to the terms and conditions of the issuer.
• Card Expiry & Replacement: Pluto Cards have a 3-year validity period. Replacement cards may be subject to additional fees. Unused balances on expired cards will be returned to the cardholder, subject to applicable terms and conditions.

9.8 Account Closure

Initiating Account Closure

Cardholders have the right to close their account at any time by contacting Pluto customer service at help@plutocard.io or through the web app or mobile app via the in-app chat support system. Pluto may also close accounts in accordance with the Terms and Conditions, including for material breach or legal/regulatory requirements.

Account Closure Process

When account closure is initiated, the following process will apply:

1. Fund Loading Suspension: At the time of notification of account closure, the ability to load more funds will be stopped.
2. Spend-Down Period: Cardholders will be allowed the period of account closure notice to exhaust existing funds - unless the account is being closed for a material breach of the Terms and Conditions or for legal reasons.
3. Account Suspension: Upon reaching the end of the closure notice period, the card, account and system access will be suspended and no longer available for use.
4. Balance Refund: Any remaining balances may be claimed as a full refund via the refund process, which will be advised in the notification of closure communications. The balance will be transferred to a UAE bank account registered in the cardholder's name.

Important: Refund processing times and any applicable administrative fees will be communicated during the closure notification process.

To the fullest extent permitted by UAE law:

• Pluto Technologies Limited shall not be liable for any indirect, incidental, special, consequential, or loss-of-profit damages arising from modification, suspension, or withdrawal of any tier benefit, cashback, or rewards programme.
• Neither Pluto Technologies Limited nor NymCard Payment Services LLC shall be liable for losses arising from: (a) system outages or force majeure events; (b) merchant refusal to honour the card; (c) network or payment scheme errors; (d) actions taken in compliance with applicable law or regulatory requirements; or (e) customer error or unauthorised access resulting from failure to safeguard card credentials.
• Mastercard® Zero Liability Policy may provide protection for eligible unauthorized transactions. Contact Pluto at help@plutocard.io immediately in the event of suspected fraud or card loss.

By activating or using the Pluto Corporate Prepaid Mastercard®, you confirm that:

• You have read and understood this Key Facts Statement.
• You have read, understood, and agree to be bound by the full Cardholder Agreement, Product Terms & Conditions, General Terms of Use, and Subscription Agreement.
• You understand that the card is a prepaid corporate card and does not involve credit or lending.
• You understand that regulated financial services (card issuance, payment processing, and fund safeguarding) are provided by NymCard Payment Services LLC as Programme Manager and Regulated Services Provider, licensed by the CBUAE, and that Pluto Technologies Limited is the Technology and Application Provider only.
• You understand that some services are delivered by third-party service providers — including NymCard Payment Services LLC and its affiliates, and any other partner or third party involved in the issuance, management, or distribution of Cards — and that your personal and financial data may be shared with such providers to the extent necessary to deliver those services.
• You consent to the collection, processing, and storage of your personal data as described in the Privacy Policy at www.getpluto.com/pluto-privacy-policy.