Korven One Treasury Policy

Korven One is committed to maintaining responsible treasury management practices designed to protect customer funds, maintain liquidity, support settlement operations, and ensure financial stability. This Treasury Policy establishes the principles, controls, and procedures governing treasury operations across Korven One Services.

This Policy applies to:

• Customer Funds
• Wallet Balances
• Reserve Accounts
• Settlement Accounts
• Treasury Operations
• Liquidity Management
• Banking Relationships
• Remittance Operations
• Business Banking Services

Korven One treasury operations seek to:

• Protect customer funds
• Maintain adequate liquidity
• Support settlement obligations
• Preserve financial stability
• Maintain operational resilience
• Support regulatory readiness

Korven One shall operate under the following principles:

Fund Protection

Customer funds must be protected.

Fund Segregation

Customer funds must be separated from company operating funds.

Liquidity Management

Adequate liquidity must be maintained.

Transparency

Treasury records must be accurate and auditable.

Control

Treasury activities must be subject to approval and oversight.

Customer funds represent funds belonging to Korven One customers. Examples:

• Wallet Balances
• Pending Settlements
• Merchant Balances
• Remittance Balances

Korven One shall not treat customer funds as company revenue.

Korven One shall maintain separation between Customer Funds and Corporate Operating Funds. Customer funds shall not be used to:

• Fund operating expenses
• Pay salaries
• Fund investments
• Support unrelated business activities

Korven One may maintain reserve accounts with approved financial institutions. Reserve accounts are intended to support:

• Customer Balances
• Wallet Balances
• Settlement Obligations

Reserve balances should be reconciled regularly.

Korven One may maintain settlement accounts used for:

• Merchant Settlements
• Payout Operations
• Transfer Processing
• Banking Operations

Settlement activity shall be monitored and recorded.

Korven One shall monitor liquidity levels sufficient to support:

• Withdrawals
• Settlements
• Transfers
• Operational Obligations

Liquidity reviews may occur daily or more frequently when necessary.

Korven One may monitor:

• Cash Positions
• Reserve Levels
• Settlement Activity
• Withdrawal Activity
• Currency Exposure
• Liquidity Ratios

Monitoring may be automated and manual.

Korven One shall maintain reconciliation processes for:

• Customer Balances
• Reserve Accounts
• Settlement Accounts
• Treasury Records

Discrepancies shall be investigated promptly.

Where supported, Korven One may manage:

• HTG
• USD
• EUR
• CAD
• BRL
• Other Supported Currencies

Treasury operations shall monitor currency positions and exposures.

Korven One may implement:

• Dual Authorization
• Approval Workflows
• Segregation of Duties
• Transaction Limits
• Treasury Monitoring

Critical treasury activities may require multiple approvals.

Treasury systems shall be protected through:

• Access Controls
• Multi-Factor Authentication
• Audit Logging
• Security Monitoring
• Incident Management

Treasury access shall be restricted to authorized personnel.

Korven One may manage risks including:

• Liquidity Risk
• Settlement Risk
• Operational Risk
• Fraud Risk
• Currency Risk
• Counterparty Risk

Risk reviews may occur periodically.

Treasury-related incidents may trigger:

• Immediate Investigation
• Executive Review
• Settlement Restrictions
• Additional Controls
• Incident Response Procedures

Significant treasury incidents shall be documented.

Treasury operations may be subject to:

• Internal Reviews
• Compliance Reviews
• Financial Audits
• Operational Audits

Records shall be maintained to support audit requirements.

Korven One may maintain banking relationships supporting:

• Reserve Accounts
• Settlement Accounts
• Treasury Operations
• Remittance Operations

Banking relationships may be reviewed periodically.

Korven One may maintain reports covering:

• Liquidity Position
• Reserve Position
• Settlement Activity
• Treasury Exposure
• Reconciliation Results

Reports may be reviewed by management.

Authorized personnel involved in treasury operations must:

• Follow treasury controls
• Maintain confidentiality
• Report irregularities
• Comply with approval procedures

Failure to comply may result in disciplinary action.

Violations of this Policy may result in:

• Access Restrictions
• Internal Review
• Contract Termination
• Legal Action

where appropriate.

Korven One may update this Policy periodically. Updated versions will be published through Korven One Services and website.

Korven One Treasury Operations

Email: treasury@korvenone.com

Email: risk@korvenone.com

Email: compliance@korvenone.com

Support: support@korvenone.com

Website: https://korvenone.com

The official version of this Treasury Policy is the English version. Translations may be provided in:

• Haitian Creole
• French
• Spanish

In case of conflict, the English version shall prevail.