Rules

Fintech Management Limited™ 10K XRP Giveaway

Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

1. Agreement

Please read these official rules (the “Official Rules”) carefully. They contain important information about your rights and obligations, as well as limitations and exclusions that may apply to you if you enter the Fintech Management Limited™ 10K XRP Giveaway (the “Giveaway”) sponsored by Fintech Management Limited, LLC (the “Sponsor”).

By participating in the Giveaway, you signify your agreement to these Official Rules and the decisions of the Sponsor and RAVEN5 Ltd. (the “Administrator”). If you do not agree to the Official Rules, you may not enter the Giveaway.

2. Eligibility

The Giveaway is open only to legal residents of the fifty (50) United States and the District of Columbia, excluding residents of New York or Florida, who are eighteen (18) years of age or older at the time of entry (“participant”, “entrant”, or “you”).

Employees, officers, directors, agents, or representatives, of the Sponsor, Administrator, their respective parent companies and each of their respective subsidiaries, affiliates, suppliers of prizes, advertising and promotion agencies involved in the administration, development, fulfillment, and execution of this Giveaway (collectively, the “Giveaway Parties”), and the immediate family (spouse, parents, siblings and children) of, and/or those living in the same household of each, are not eligible to enter.

The Giveaway is subject to all applicable federal, state, territorial, municipal and local laws and regulations. If it is found that a person who does not meet the eligibility criteria set forth in these rules has submitted an entry, that entry may be deemed ineligible. Sponsor reserves the right to verify eligibility requirements. Void where prohibited by law.

3.  Giveaway Period

The Giveaway begins at 12:00:01 AM Eastern Time (“ET”) on April 29, 2026 and ends at 11:59:59 PM ET on November 25, 2026 (the “Giveaway Period”). Sponsor’s database clock will be the official timekeeper for this Giveaway.

4. How to Enter

There is no purchase necessary to enter or to win. Making a purchase will not increase your odds of winning. During the Giveaway Period, eligible individuals may receive entries into the Giveaway by completing any of the following methods:

Option 1: Purchase $FML Tokens

Entrants may receive one (1) entry by purchasing a minimum of 444 $FML tokens through an XRPL-compatible platform, including but not limited to, First Ledger (https://firstledger.net), Dexscreener (https://dexscreener.com), or xMagnetic (https://xmagnetic.org), during the Giveaway Period.

Each qualifying purchase of at least 444 $FML tokens will automatically receive one (1) entry. The Sponsor reserves the right to verify all transactions and disqualify any entries that cannot be verified.

Option 2: Purchase Merchandise

Entrants may receive one (1) entry by purchasing merchandise from the official store located at https://floridamanlandscaping.printful.me with a minimum purchase value of $4.44 USD (before applicable taxes and shipping). To receive an entry, entrants must complete a qualifying purchase from the official store. Each qualifying purchase will receive one (1) entry. The Sponsor reserves the right to verify all purchases and disqualify any entries that cannot be verified.

Option 3: Alternate Method of Entry (No Purchase Necessary)

Entrants may receive one (1) entry by visiting fml10kxrp.raven5.com/amoe and completing the online entry form in full during the Giveaway Period. Each completed and eligible submission will receive one (1) entry.

Limit: Ten (10) entries per person, per day during the Giveaway Period. Any entries received in excess of this limit will be void.

For all methods of entry, entries must be submitted and received during the Giveaway Period and must comply with these Official Rules to be eligible. Entries that are incomplete, illegible, corrupted, fraudulent, or otherwise not in compliance with these Official Rules may be disqualified at the sole discretion of the Sponsor or Administrator.

Entries must be submitted by the individual entrant and may not be submitted by any other person or entity on their behalf. Use of any automated, macro, script, robotic, or other system to enter or otherwise participate is prohibited and may result in disqualification.

For entries associated with purchases (including digital asset or merchandise purchases), transactions must be completed during the Giveaway Period and must be capable of verification and attribution to the entrant. The Sponsor is not responsible for any inability to verify or attribute a transaction to an entrant for any reason.

In the event of a dispute as to the identity of an entrant, the entry will be deemed to have been submitted by the authorized account holder of the email address or other identifier associated with the entry, as determined by the Sponsor or Administrator in their sole discretion.

All entries are subject to verification. The Sponsor reserves the right, in its sole discretion, to require proof of identity, eligibility, and compliance with these Official Rules, including completion of any required identity verification (KYC), as a condition of prize award.

5. Prize/Approximate Retail Value (“ARV”)/Odds

Grand Prize: One (1) grand prize (the “Grand Prize”) is available to be won. The Grand Prize consists of Ten Thousand (10,000) XRP.

The ARV of the Grand Prize is $13,690.00 USD. Actual value may vary based on market fluctuations at the time of prize award.

The odds of winning will depend on the total number of eligible entries received during the Giveaway Period.

Grand Prize Conditions:

The Grand Prize will be awarded in XRP and transferred to a digital wallet designated by the winner. The winner is solely responsible for establishing and maintaining a valid, secure, and compatible XRP wallet. The Sponsor will not provide, manage, or secure any wallet on the winner’s behalf. The Sponsor makes no representations or warranties regarding the value or performance of XRP. The value of XRP is volatile and may increase or decrease at any time. The winner assumes all risks associated with the acceptance, holding, and use of the Grand Prize.

The Grand Prize is being awarded as a promotional prize only and is not intended as an investment opportunity, security, or financial product. Nothing in these Official Rules or in any related materials should be construed as financial or investment advice.

The ARV stated in these Official Rules is based on a reasonable estimate at the time of drafting. The Sponsor is not responsible for any difference between the stated ARV and the actual value of the XRP at the time of transfer or thereafter.

The Sponsor is not responsible for any failed, delayed, or incomplete transfer of the Grand Prize resulting from incorrect wallet information provided by the winner, technical malfunctions, network congestion, or other issues beyond the Sponsor’s control. Once the XRP has been transferred to the wallet address provided by the winner, the Sponsor shall have no further responsibility or liability in connection with the prize.

The winner is solely responsible for safeguarding access to their wallet, including private keys and recovery phrases. The Sponsor shall have no liability for any loss, theft, or inability to access the Grand Prize once transferred.

The winner is solely responsible for all federal, state, and local taxes, as well as any other costs or expenses associated with the acceptance and use of the Grand Prize. As a condition of receiving the Grand Prize, the winner will be required to complete and return an IRS Form W-9. The Sponsor will issue an IRS Form 1099-MISC to the winner for the fair market value of the Grand Prize at the time of award, as determined by the Sponsor.

The Sponsor reserves the right, in its sole discretion, to require proof of identity, eligibility, and compliance with these Official Rules, including completion of Know Your Customer (KYC) procedures. Failure to comply within the timeframe specified by the Sponsor may result in disqualification and forfeiture of the Grand Prize.

The Grand Prize must be accepted as awarded, is non-transferable, non-exchangeable, and not redeemable for cash or any other form of consideration, except at the Sponsor’s sole discretion. The Sponsor reserves the right, in its sole discretion, to substitute the Grand Prize (or any component thereof) with a prize of equal or greater value if the Grand Prize cannot be awarded as described for any reason.

If the winner is unable, unwilling, or ineligible to accept the Grand Prize as awarded for any reason, or fails to comply with these Official Rules, the Sponsor reserves the right to disqualify the winner and select an alternate eligible entrant for the prize.

To the fullest extent permitted by law, the winner agrees to release and hold harmless the Sponsor and its affiliates, subsidiaries, agents, and representatives from any and all liability, claims, damages, or losses arising out of or relating to the acceptance, use, or misuse of the Grand Prize.

6. Winner Selection & Notification

On or about November 26, 2026, the Administrator will conduct a random drawing from among all eligible entries received during the Giveaway Period to select one (1) potential winner.

The potential winner will be notified by email to the email address provided at the time of entry within forty-eight (48) hours of the drawing. The potential winner must respond to the notification email within seventy-two (72) hours of notification.

If the potential winner fails to respond to the notification email within the required time period, provides an invalid email address, declines the prize, cannot be reached, or if any notification is returned as undeliverable, the potential winner may, in the Sponsor’s sole discretion, be disqualified and forfeit all rights to the prize. In such event, the Sponsor reserves the right to select an alternate potential winner from among the remaining eligible entries, in accordance with the same process.

No one is a winner unless and until the Sponsor officially confirms them as the winner in accordance with these Official Rules.

Before being confirmed as the winner (the “Winner“), the potential winner will be required to sign and return, within seventy-two (72) hours of the request, an Affidavit of Eligibility & Liability / Publicity Release form (the “Release“) which:

1. confirms the potential winner’s eligibility for the Giveaway, compliance with these Official Rules, and acceptance of the Grand Prize;

• releases the Sponsor, Administrator, their respective parent companies, subsidiaries, affiliates, and related companies, and each of their respective employees, directors, officers, suppliers, agents, administrators, licensees, representatives, and advertising, media buying, and promotional agencies (collectively, the “Releasees”) from any and all liability, claims, losses, damages, costs, or expenses arising out of or relating to participation in the Giveaway, participation in any Giveaway-related activity, or the acceptance, use, or misuse of the Grand Prize, including, without limitation, personal injury, death, damage to or loss of property, rights of publicity or privacy, defamation, or portrayal in a false light, and any claims of third parties arising therefrom; and

• grants to the Sponsor the right, but not the obligation, to use the Winner’s name, city and state of residence, photograph, image, likeness, voice, and any statements regarding the Giveaway or the Grand Prize, for advertising, publicity, and promotional purposes in any media now known or hereafter devised, worldwide, in perpetuity, without further compensation, notice, or permission, unless prohibited by law. The Winner agrees to execute any documents reasonably required by the Sponsor to effectuate such rights and waives any right to inspect or approve such use.

In addition, the potential winner will be required to sign and return, within seventy-two (72) hours of the request, an IRS Form W-9 which will require the potential winner to disclose personal information including a Social Security Number. Sponsor will only use information from the W-9 to fulfill its tax obligations in connection with this Giveaway and for no other purpose. Failure to provide all required documentation within the specified time period will result in disqualification, and an alternate potential winner will be selected in accordance with these Official Rules.

7. Publicity

Except where prohibited by law, participation in the Giveaway and acceptance of a prize constitutes the entrant’s consent to the Sponsor’s use of the entrant’s name, city and state of residence, likeness, photograph, voice, and statements regarding the Giveaway or the prize for advertising, publicity, and promotional purposes in any media now known or hereafter devised, worldwide, without further notice, permission, or compensation.

8. Limitation of Liability

By participating in the Giveaway, each entrant agrees to release and hold harmless the Releasees from and against any and all claims, losses, damages, or liabilities arising out of or relating to participation in the Giveaway or the acceptance, use, or misuse of any prize.

Entrants assume all liability for any injury, damage, or loss of any kind resulting from participation in the Giveaway or the acceptance, use, or misuse of any prize.

For residents of the State of California: Entrants acknowledge that they have read and expressly waive the provisions of California Civil Code Section 1542, which states: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

9. General

In the event of any discrepancy or inconsistency between any Giveaway materials (including, without limitation, advertising or promotional materials) and these Official Rules, these Official Rules shall govern and prevail. The Sponsor’s decisions are final and binding in all matters relating to the Giveaway.

The Sponsor is not responsible for any typographical or other errors in the printing or offering of the Giveaway, the administration of the Giveaway, or in the announcement of any prize.

The Releasees are not responsible for lost, late, misdirected, damaged, or incomplete entries; or for any technical, network, telephone, electronic, computer, hardware, or software malfunctions of any kind; or for inaccurate transmission of, or failure to receive, entry information due to technical problems or traffic congestion on the Internet or any website; or for any injury or damage to an entrant’s or any other person’s device related to or resulting from participation in the Giveaway.

By participating in the Giveaway, entrants agree to be bound by these Official Rules and the decisions of the Sponsor, which are final and binding.

Failure to comply with these Official Rules may result in disqualification. The Sponsor reserves the right, in its sole discretion, to disqualify any individual it believes has tampered with the entry process or violated these Official Rules.

If, for any reason, the Giveaway is not capable of running as planned due to causes beyond the Sponsor’s control that affect the administration, security, fairness, integrity, or proper conduct of the Giveaway, including, without limitation, any technical issues, network disruptions, or blockchain-related issues, the Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify, or suspend the Giveaway and, if terminated, to conduct a random drawing from among all eligible entries received up to the time of termination.

10. Disputes

Except where prohibited by law, entrants agree that any and all disputes, claims, and causes of action arising out of or relating to the Giveaway or any prize awarded will be resolved individually, without resort to any form of class action, and exclusively by the appropriate state or federal court located in the State of Florida.

All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants and the Sponsor in connection with the Giveaway, will be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any choice of law or conflict of law rules that would cause the application of the laws of any other jurisdiction.

To the extent permitted by law, the remedy for any claim will be limited to actual damages, and in no event will any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including legal fees or other related costs.

To the extent permitted by law, each party waives any right to a trial by jury in connection with any disputes arising out of or relating to the Giveaway or these Official Rules.

11. Privacy

Personal information collected from entrants is subject to the Sponsor’s Privacy Policy, available at: http://fml10kxrp.raven5.com/privacy.

Personal information provided in connection with the Giveaway will be used for the purpose of administering, managing, and operating the Giveaway, including coordinating and fulfilling the prize and, where applicable, publishing a list of winners, and otherwise in accordance with the Sponsor’s Privacy Policy.

Personal information may be stored on servers located in the United States and may be subject to access by U.S. law enforcement, courts, or other governmental authorities in accordance with applicable laws.

12. Winner List Requests

For a written confirmation of the winner (available after November 30, 2026), send an email to help@raven5.com with subject line: Fintech Management Limited 10K XRP Giveaway – Winners List Request. All requests must be received by February 15, 2027 at 2:59:59 PM ET. Requests received after this time will not be fulfilled.

13. Sponsor

Fintech Management Limited, LLC. 1820 State Rd 13 N, Suite 11-209, St. Johns, FL 32259.

14. Administrator

RAVEN5 Ltd. 11 Orsett St. Oakville, ON L6H 2N8.

Please direct any questions, comments, or complaints regarding the Giveaway to the Administrator at help@raven5.com.