Transaction Network Services Inc. 3/25/2022

If over this period a 99%availability is not maintained,on written request the Client will be refunded the Monthly Support Fees levied for the previous calendar month,as detailed in the Service Agreement Schedule,or an equivalent pro rata refund if[licenses]have been paid annually in advance. 6.0 Scheduled Maintenance To maximize optimal performance of the servers,TNS performs routine maintenance on the servers on a regular basis requiring servers to be temporarily taken offline. TNS reserves four hours of server unavailability per month for maintenance purposes. This server unavailability will not be included in Service Availability calculations. The maintenance is typically performed during off-peak hours,and TNS will provide advance notice of maintenance whenever possible. 7.0 Consulting New work or modifications to existing Services can be commissioned by the Client contacting TNS with a detailed description of the objectives and requirements. Where possible,TNS will work with all stakeholders to design and plan a viable solution,the costing of which will be presented to the Client as either a quote or a proposal. 8.0 Exclusions The following exclusions shall apply when measuring any aspect of the Service Availability: a. Denial of service attacks or other types of attacks directed toward the infrastructure that supports the Services resulting in or contributing to downtime. b. Any type of outage or service degradation relating to unavailability of a financial institution including but not limited to issuers and/or acquirers or any other third party switch or processing system. c. Any issues limited solely to the Client that cannot be proven against any other Client. d. Any failure or service outage that falls outside of TNS's reasonable control. e. Any act or omission of TNS in compliance with this Agreement,any law or any direction from a regulator or other government agency. f. Any act or omission of the Client which impacts Service Availability. 23