Contract analysis

1. Due Organization and Good Standing I hereby certify that Skybridge Fintech Ltd. is a corporation duly organized, validly existing, and in good standing under the laws of the State of Delaware. The Company was incorporated on September 12, 2019, pursuant to its original Certificate of Incorporation filed with the Secretary of State of the State of Delaware on such date, and has been continuously in good standing si

2. Corporate Authority and Authorization I hereby certify that the execution, delivery, and performance of the Transaction Documents by the Company have been duly authorized by all necessary corporate action, including the unanimous approval of the Board of Directors of Skybridge Fintech Ltd. by written consent adopted on February 7, 2026 (the "Board Consent"), a true and correct copy of which is maintained in the mi

3. Authority of Signatory I hereby certify that Nadia Karimova holds the office of Chief Executive Officer of Skybridge Fintech Ltd. and has held such office continuously since March 15, 2021. Ms. Karimova was duly elected to such office by the Board of Directors of the Company in accordance with the Company's Amended and Restated Bylaws and applicable provisions of the Delaware General Corporation Law. Ms. Karimova'

4. No Conflicts or Violations I hereby certify that the execution and delivery of the Transaction Documents by the Company do not require the consent, approval, authorization, order, registration, qualification, or filing with or of any federal, state, local, or foreign governmental authority, regulatory body, or agency, except as has already been obtained or made prior to the date hereof. Without limiting the genera

5. Representations Regarding Compliance and Insurance I hereby certify the following with respect to the Company's compliance posture and insurance coverage as of the date hereof: Cyber-Liability Insurance. The Company maintains in full force and effect a cyber-liability insurance policy bearing Policy No. CYB-2025-04821, issued by Bastion Mutual Insurance Company, a carrier rated "A" (Excellent) by AM Best with a Fi

6. Binding Effect I hereby certify that the Transaction Documents, when duly executed and delivered by the Company through its authorized signatory, Nadia Karimova, Chief Executive Officer, shall constitute the legal, valid, and binding obligations of the Company, enforceable against the Company in accordance with their respective terms, subject only to (a) applicable bankruptcy, insolvency, reorganization, moratoriu

7. Reliance This Officer's Certificate is being delivered to Meridian Federal Savings Bank in connection with the execution and delivery of the Transaction Documents and in satisfaction of the requirements set forth in Section 12.3 of the DPA. This Officer's Certificate may be relied upon by Meridian Federal Savings Bank, its officers, directors, employees, agents, successors, and assigns; its regulators, including,