XTM Inc. (OTCQB: XTMIF | CSE: PAID) (“XTM” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

Certain statements in that release may have been interpreted to suggest that Everyday People Payments Inc. (“EPPI”) was itself registered or required to be registered under the Retail Payment Activities Act (“RPAA”). It is not. This interpretation would be incorrect.

Regulatory Status

There has been no change or interruption in the regulated status of XTM. XTM is and at all relevant times has been a registered money services business (“MSB”) and is registered with the Bank of Canada under the RPAA. All regulated MSB and payment activities have continuously been conducted under XTM’s registrations - with management and administration services being conducted by Everyday People Financial Corp. (“EPF”) through EPPI pursuant to its Master Services Agreement with EPPI dated October 23, 2025 (the “MSA”). In this relationship EPPI is not performing any MSB activities, nor is it subject to the RPAA.

Safeguarding of Funds

XTM has i) remained the MSB, ii) is registered with the Bank of Canada under the RPAA, and iii) is the account holder and regulated entity for transaction processing and settlement. Transactions are conducted through XTM accounts. All cardholder funds associated with the platform are held in trust in accordance with applicable legal and safeguarding requirements and are segregated from operating funds.

Operational Enhancements

EPF as program manager is committed to strengthening the overall management of the Program. These measures reflect an uplift in operating standards and are intended to support a best in class environment for merchants and end users.

XTM remains committed to transparent disclosure and to supporting a secure, reliable, and regulatorily aligned payments ecosystem for Canadian businesses and workers.

About XTM Inc.

XTM Inc. is a Toronto-based fintech enabler and the founder of AnyDay®, a real-time payroll, tip, and earned wage access platform. Designed as a compliance-first solution, AnyDay is widely adopted across the hospitality, personal care, and retail sectors. Trusted by leading brands, XTM’s platform delivers speed, transparency, and regulatory-aligned payroll experiences.

About Everyday People Payments Inc. (“Everyday Payments”)

Everyday Payments is a strategic management services subsidiary of XTM, operating the business of delivering real-time employee payouts. Businesses using the service span hospitality, food service, beauty, wellness, and commission-based industries. Leveraging the AnyDay platform, the solution combines a powerful employer portal with a flexible mobile app and payment card for cardholders; simplifying fund management, improving visibility and control, and enabling faster, more predictable access to earnings. The platform is designed to support the future introduction of additional value-added financial services as business and worker needs evolve.

Forward-Looking Statements

This press release may contain “forward-looking information” and “forward-looking statements” within the meaning of applicable Canadian securities laws. Such statements involve known and unknown risks, uncertainties, and assumptions and may include words such as “expects,” “intends,” “anticipates,” “plans,” and “believes.” Actual results may differ materially due to risks and factors beyond the Company’s control.

The CSE has neither approved nor disapproved the contents of this press release and accepts no responsibility for its adequacy or accuracy.

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