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Terms and Conditions of OwnWise

The following are the terms and conditions applicable to our OwnWise customer shareholder program (“OwnWise”).

1. Introduction

1.1. For the purposes of these terms and conditions, references to “you” are to the person applying to participate in OwnWise. By applying to participate in OwnWise, you will be agreeing with Wise Group plc (together, “Wise”) to these terms and conditions as the terms and conditions governing any application to, participation in and grants of benefits under OwnWise.

2. Eligibility

2.1. Applications will only be accepted from individual customers who are eligible to apply to participate in OwnWise (an “Eligible Customer”). In order to be an Eligible Customer:

  • 2.1.1. you must have a personal Wise account;

  • 2.1.2. you must be located in the UK, a member state of the European Union (the “EU”), the United States of America, Canada, India and New Zealand and you must not be restricted by law or regulation from receiving and holding shares in Wise or from receiving any other OwnWise benefits in the manner and on the terms set out in these terms and conditions;

  • 2.1.3. you must have made at least one cross-currency transactions with Wise in the 12 months prior to May 11 2026;

  • 2.1.4. You must hold at least one Wise Group plc share;

  • 2.1.5. Wise must not be required to take additional legal or procedural steps as a result of local laws or regulations in order to grant you any OwnWise benefits which, in the sole discretion of Wise, makes it necessary or expedient to exclude you from OwnWise; and

  • 2.1.6. you must not be a current or former employee or an immediate family member of any employee of Wise or a Wise group company.

2.2. OwnWise will initially be available only to:

  • 2.2.1. customers located in the UK, a member state of the EU, the United States of America, the United States of America, Canada, India and New Zealand and

  • 2.2.2. Wise may later allow customers located in other jurisdictions to participate, subject to applicable laws and regulations.

2.3. In order to participate in OwnWise, an Eligible Customer must submit an application in accordance with paragraph 3 below and such Eligible Customer must be accepted as participating in OwnWise by Wise.

3. Applications

3.1. Applications for customers must be made by an application through our website at OwnWise (an “Online Application”).

3.2. By completing and submitting an Online Application, you as the applicant shall:

  • 3.2.1. agree, if selected to participate, to receive OwnWise benefits as you may be entitled to under these terms and conditions, subject to the provisions of these terms and conditions;

  • 3.2.2. acknowledge and agree that:

    • (i) the determination as to whether you are (and continue to be) an Eligible Customer will be at Wise’s sole discretion;
    • (ii) OwnWise is limited to 1,000,000 participating Eligible Customers in the first year and the number of Eligible Customers to participate in OwnWise may be limited by Wise at its sole discretion;
    • (iii) Wise’s determination in the case of each of the above shall be conclusive in all respects and final;

  • 3.2.3. acknowledge and agree that you will not be deemed to be participating in OwnWise unless and until you receive confirmation from Wise that your application has been accepted and, unless you receive such confirmation and subsequently continue to satisfy these terms and conditions and to be entitled hereunder to OwnWise benefits at the end of the OwnWise Holding Period (as defined below), you will not be eligible to receive any OwnWise benefits, regardless of whether you purchase or hold Class A Shares during the relevant OwnWise Eligibility Period (as defined below);

  • 3.2.4. agree, on request by Wise, to disclose promptly in writing to Wise such information as Wise may request in connection with your Online Application and/or the grant of any OwnWise benefits, and authorise Wise to disclose any information relating to your application and/or participation in OwnWise which Wise considers reasonably necessary or appropriate;

  • 3.2.5. acknowledge and agree that should there be a change in your circumstances materially affecting your application or participation in OwnWise under these terms and conditions, you will notify Wise as soon as reasonably practicable providing details;

  • 3.2.6. agree that any OwnWise benefits to which you may become entitled may be suspended pending investigation of any suspected breach of these terms and conditions or other agreements you have with Wise or any of its affiliates, and any verification of identity which is, or which Wise in its absolute discretion considers may be, required for the purposes of applicable law and regulation;

  • 3.2.7. acknowledge and agree that, following confirmation that you are a participating Eligible Customer, if you wish to terminate your participation in OwnWise or to not receive OwnWise benefits, you should contact our Help Center (https://wise.com/help/contact) as soon as practicable and at least 14 business days in advance of the grant of any OwnWise benefits;

  • 3.2.8. agree to receive communications regarding OwnWise and that any future communications sent by Wise to you in your capacity as an Eligible Customer will be in the English language; and

  • 3.2.9. agree that Wise reserves the right to alter any arrangements in connection with OwnWise (including the criteria or timetable for the grant of any OwnWise benefits and these terms and conditions).

3.3. If:

  • 3.3.1. your Online Application is not completed correctly;

  • 3.3.2. your Online Application does not include any information specifically required by the Online Application;

  • 3.3.3. you submit your Online Application after the deadline relevant to your jurisdiction, which shall be notified by Wise in due course;

  • 3.3.4. following submission of your Online Application, Wise is unable to satisfactorily verify your identity, that you hold Class A Shares during the relevant OwnWise Eligibility Period (as defined below), that you continue to hold Class A Shares at the end of the OwnWise Holding Period (as defined below) or that you continue to satisfy the criteria for being an Eligible Customer; or

  • 3.3.5. you submit, or are suspected to have submitted, more than one application (on behalf of yourself) to participate in OwnWise,

your application may be rejected by Wise.

3.4. In these circumstances, Wise’s decision as to whether to reject or treat as invalid your application shall be final and binding on you and neither Wise, nor any of its directors, officers, agents, employees or advisers, will accept any liability for any such decision and no claim may be made against any such person in respect of your application, the OwnWise program or any OwnWise benefits.

3.5. Notwithstanding the above, any application may be rejected in whole or in part by Wise in its absolute discretion and the participation of any Eligible Customer in OwnWise may be terminated at any time by Wise in its sole discretion without any requirement to give any reasons for such rejection or termination.

3.6. Wise reserves the right to treat as valid any application that does not comply fully with the terms and conditions of OwnWise, is not completed in all respects, or is not submitted in accordance with the instructions on the Online Application.

3.7. Wise reserves the right to waive in whole or in part any of the provisions of these terms and conditions, either generally or in respect of one or more applications. In these circumstances, the decision of Wise as to whether to treat the application as valid and how to construe, amend, or complete it shall be final.

4. OwnWise Benefits

4.1. Participating Eligible Customers may be entitled to benefits in connection with OwnWise (“Benefits”). Benefits are determined by Wise in its sole discretion and may include, without limitation, event invites, limited edition Wise swag, special edition cards, early access to features or products, community membership and events, increased referral bonus, or any other benefit Wise chooses to offer from time to time.

4.2. Benefits are not guaranteed and may vary between participating Eligible Customers. Wise reserves the right to add, modify, withdraw, or discontinue any Perk at any time without notice and without liability to any participating Eligible Customer.

4.3. The benefits of OwnWise, both financial and non-financial, may be considered taxable income in the location where you are tax resident and it will be your responsibility to pay any tax which may fall due on the benefits and to include relevant information in your tax return as required.

4.4. OwnWise includes a referral programme, the terms of which are set out in the Referral Terms available at https://wise.com/gb/legal/referral-terms (the "Referral Terms"). The Referral Terms are incorporated into and form part of these Terms and Conditions by reference. In the event of any conflict between these Terms and Conditions and the Referral Terms in respect of the referral programme, the Referral Terms shall prevail.

5. OwnWise Eligibility Periods

5.1. The OwnWise Eligibility Period for Eligible Customers opens from 11 May 2026 and will close on 31 May 2026.

5.2. Wise reserves the right to open new OwnWise Eligibility Periods on notice to relevant Eligible Customers.

5.3. Wise reserves the right not to open, or to cancel once opened, any OwnWise Eligibility Period on notice to any relevant Eligible Customers who have been accepted in respect of such jurisdiction without requirement to give any reasons.

6. Representations and warranties

6.1. By completing and submitting an Online Application, you:

  • 6.1.1. agree that no person is authorised in connection with OwnWise to give any information or make any representation other than Wise, and any such information, if made or given, must not be relied upon as having been authorised by Wise, the directors or any other person;

  • 6.1.2. agree that neither Wise, nor any of its directors, officers, agents, employees or advisers, shall, to the fullest extent permitted by law, have any liability in connection with OwnWise or the grant of OwnWise benefits and you shall not bring any claim or proceeding against Wise or the directors in connection with OwnWise or the grant of OwnWise benefits, save in the case of fraud;

  • 6.1.3. agree that you are liable for any tax which may fall due on the receipt of OwnWise benefits, you will include relevant information in your tax return as required and neither Wise, nor any of its directors, officers, agents, employees or advisers, shall have any liability for any tax which may fall due and no claim may be made against any such person in respect of any such tax;

  • 6.1.4. agree that all documents in connection with OwnWise may be sent by email to you at your address set out in your Online Application and any documents sent by you to Wise the in connection with OwnWise will be sent at your own risk;

  • 6.1.5. represent and warrant that you are not under the age of 18 as at the date of your application and that: (i) you are eligible to participate in OwnWise as an Eligible Customer; and (ii) your Online Application is completed and submitted solely for and on behalf of the applicant and not directly or indirectly, in whole or in part, for or on behalf of any other person;

  • 6.1.6. confirm that you have complied with all applicable laws and regulations in connection with OwnWise and Wise will not infringe any laws of any jurisdiction as a result of your Online Application or participation;

  • 6.1.7. represent and warrant that you are the person named in the Online Application pursuant to which you are applying for OwnWise;

  • 6.1.8. represent and warrant that only one application is being made for your benefit in the connection with OwnWise (whether directly or through other means);

  • 6.1.9. represent, warrant and undertake that you are not, and you are not applying on behalf of a person engaged in, or whom you know or have reason to believe is, engaged in money laundering;

  • 6.1.10. agree that any material downloaded from Wise’s website in relation to OwnWise is done at your own risk and that you will be solely responsible for any damage or loss of data that results from the download of any material; and

  • 6.1.11. agree that Wise is not liable for any loss of data in the course of receiving and/or processing of your Online Application or responsible for the loss or accidental destruction of your Online Application or personal data relating to you or any financial or other loss or damage which may result, directly or indirectly, therefrom, including any loss in relation to the non-receipt of OwnWise benefits.

7. Data protection

7.1. The personal data relating to an Eligible Customer that is provided in an Online Application or subsequently by whatever means will be held and processed by Wise in compliance with applicable data protection legislation and in accordance with the Personal Customer Privacy Notice applicable to your jurisdiction available at https://wise.com/gb/legal/privacy-notice-personal-en ("Privacy Notice").

7.2. The purposes for which we plan to use your personal data are described below, including which of the legal bases we rely on to do so. To administer OwnWise:

  • (i) Necessary to carry out our obligations relating to your contract with us under OwnWise
  • (ii) Legitimate interest (to keep our records up-to-date and ensure only Eligible Customers participate in OwnWise).

7.2.2. For internal administration, operational, planning, audit, troubleshooting, data analysis, testing, research, statistical and survey purposes:

  • (i) Legitimate interest (to keep our records up to date, efficiently fulfil our legal and contractual duties, carry out our administrative operations, and develop new and existing products and services)

7.2.3. To comply with any applicable legal and/or regulatory requirements and/or defend against legal claims:

  • (i) Legal obligation;
  • (ii) Legitimate interest (to be efficient about how we meet our legal obligations and comply with regulations that apply to us, and to protect Wise’s interests)

7.2.4. To offer additional OwnWise benefits and other related services to Eligible Customers:

  • (i) Legitimate interest (to keep Eligible Customers informed of the benefits available to them under OwnWise and to promote and improve our products and service)

7.3. Personal data collected under OwnWise will be retained for 18 months following the OwnWise Holding Period or a longer period if required by the applicable laws.

7.4. Eligible Customers may have certain rights in relation to their personal data; such rights and the manner in which those rights may be exercised are set out in the Privacy Notice.

8. Miscellaneous

8.1. The price and value of securities can go down as well as up and past performance is not a guide to future performance. The contents of this website shall not be construed as legal, business, financial or tax advice and each customer or prospective investor should consult his, her or its own legal adviser, business adviser, financial adviser or tax adviser for legal, financial, business or tax advice in relation to a purchase of any securities. Any purchase of share securities carries financial risk and decisions should be made based on your own financial position and risk appetite.

8.2. To the fullest extent permitted by law, any liability (including, without limitation, for representations, warranties and conditions, express or implied, and whether statutory or otherwise) are expressly excluded by each of Wise, its directors, officers, agents, employees and advisers in relation to OwnWise and the grant of OwnWise benefits.

8.3. The rights and remedies of Wise under these terms and conditions are in addition to any rights and remedies which would otherwise be available to it and the exercise or partial exercise of any one right or remedy will not prevent the exercise of others or full exercise.

8.4. You agree that OwnWise, all applications, acceptances of applications and grants of OwnWise benefits shall be exclusively governed by and construed in accordance with English law and that you irrevocably submit to the exclusive jurisdiction of the English courts in respect of any matter, claim, or dispute arising out of or in connection with OwnWise, whether contractual or non-contractual, and agree that nothing shall limit the right of Wise to bring any action, suit, or proceedings arising out of or in connection with any such application, acceptances, or contracts in any other manner permitted by law or in any court of competent jurisdiction.

8.5. The dates and times referred to in these terms and conditions may be altered by Wise in its absolute discretion where Wise considers it necessary to do so.

8.6. Any enquiries in relation to OwnWise should be directed to Wise help centre (https://wise.com/help/contact). Wise will be unable to provide advice on the merits of any purchase of Class A Shares or to provide personal legal, financial, tax, or investment advice.