“GOOGLE RATE” INDIA CORRIDOR PROMOTION

TERMS AND CONDITIONS FOR LEMFI'S “GOOGLE RATE” INDIA CORRIDOR PROMOTION

Version 12 · 22 September 2026

1. THE PROMOTER AND THESE TERMS

1.1 These terms and conditions (the “Terms”) govern the Google Rate India Corridor Promotion (the “Promotion”). The Promotion runs in the United Kingdom, the European Union and Canada.

1.2 The company that runs the Promotion depends on where you live. Schedule 1 names that company for each market and gives its registration and authorisation details. In these Terms, “LemFi”, “we”, “us” and “our” mean the company named in Schedule 1 for your country of residence.

1.3 These Terms sit alongside two other documents: the LemFi terms of service that apply to your account (the “Terms of Use”) and the LemFi Cash Programme Terms (the “Programme Terms”), which govern LemFi Cash and which you can read at https://lemfi.com/legal/lemfi-cash-terms. Where they conflict, these Terms apply to this Promotion except on any matter concerning LemFi Cash, the Programme Terms apply to LemFi Cash, and the Terms of Use apply to everything else.

1.4 By taking part in the Promotion you accept these Terms.

2. PROMOTION PERIOD

2.1 The Promotion opens at 23:59 on 17 September 2026 and closes at 23:59 on 30 October 2026 (the “Promotion Period”). All times in these Terms are Greenwich Mean Time (GMT).

2.2 We treat a transfer as falling inside the Promotion Period by reference to the time we receive and accept your transfer instruction, not the time you begin setting it up and not the time the recipient is paid.

2.3 We may close the Promotion early or extend it in accordance with clause 10.

3. WHO CAN TAKE PART

3.1 You can take part if, at the time you make your first transfer under the Promotion, you meet all of the following conditions:

a) you are 18 years of age or older;

b) you live in a country listed in Schedule 1;

c) you hold a LemFi account that we have fully verified, including all identity checks we require;

d) you are an Eligible Customer as defined in clause 3.2; and

e) you send money to a recipient in India.

3.2 An “Eligible Customer” is a person who falls within any one of the following three groups:

a) a person who registers a LemFi account during the Promotion Period;

b) a person who registered a LemFi account before the Promotion Period but has never completed a money transfer through LemFi; or

c) a person who has completed a money transfer through LemFi but has not completed one in the 45 days immediately before the start of the Promotion Period.

3.3 Clause 3.2(c) is the returning customer limb. We measure the period by reference to the date we accepted your most recent completed transfer instruction, to any country and in any currency.

3.4 We decide whether you are an Eligible Customer by reference to our records. Where we hold more than one account for the same person, we treat those accounts as one and we take the most recent transfer on any of them.

3.5 The Promotion applies once per person. It does not apply once per account, per device or per payment method.

4. WHO CANNOT TAKE PART

4.1 The following people cannot take part in the Promotion:

a) employees, officers, directors and contractors of LemFi and of any company in the same group as LemFi, and members of their immediate households;

b) brand ambassadors, influencers, creators and affiliates engaged by LemFi or by an agency acting for LemFi, and members of their immediate households;

c) anyone whose account we have suspended, restricted or closed, or who is the subject of an open fraud, sanctions or financial crime review.

4.2 Clause 4.1(b) does not stop an influencer or creator from promoting the Promotion under a separate written agreement with LemFi. It stops them claiming the benefits themselves.

5. THE PROMOTIONAL EXCHANGE RATE

5.1 For your first qualifying transfer to India, we apply the mid-market exchange rate published by Google Finance for the relevant currency pair, with no LemFi exchange rate margin added. We call this the “Google mid-market exchange rate” (the “Promotional Rate”). Where our marketing uses the shorthand “Google Rate”, it means the Google mid-market exchange rate described in this Section 5 and nothing else.

5.2 Google Finance takes its exchange rate data from third party market data providers, including Morningstar. We do not set that rate, we do not control it and we cannot guarantee that it is accurate, complete or available at any given moment. The Google Finance disclaimer explains how Google sources that data.

5.3 We retrieve the Promotional Rate when you set up your transfer and we fix it when you confirm the transfer. The rate we fix at that moment is the rate we apply, even if the published rate moves before we pay your recipient.

5.4 We refresh the Promotional Rate in the app close to real time. In periods of high market volatility the rate you see may lag the rate published elsewhere by a short interval. The rate shown in the app immediately before you confirm your transfer is the rate that applies.

5.5 If the Promotional Rate is unavailable, out of date or affected by a technical fault, we apply our standard exchange rate for the currency pair instead and we tell you in the app before you confirm the transfer. Your transfer still goes ahead. You are not entitled to compensation for the difference between the two rates.

5.6 We do not cap the value of the transfer to which we apply the Promotional Rate. The transfer limits in the Terms of Use continue to apply. We apply our standard exchange rate to every transfer you make after your first one.

5.7 We publish our standard exchange rates and fees in the app before you confirm any transfer. Those standard rates and fees apply to all of your transfers once the Promotion ends or once you have used your first qualifying transfer, whichever happens first.

5.8 Google, Google Finance and the Google logo are trade marks of Google LLC. LemFi is not affiliated with, endorsed by, sponsored by or otherwise connected to Google LLC. We refer to Google Finance only to describe the source of the exchange rate we apply.

6. FEE-FREE FIRST TRANSFER

6.1 We do not charge our transfer fee on your first qualifying transfer to India during the Promotion Period.

6.2 The fee-free transfer applies only once you have completed identity verification. If you send your first transfer before verification completes, we may charge our standard fee.

6.3 Our standard fees apply to every transfer after your first one.

6.4 Clause 6.1 covers the LemFi transfer fee only. It does not cover any charge applied by your bank, your card issuer, your payment provider or the recipient's bank.

7. LEMFI CASH GRANTS

7.1 If you enter a valid promotion code for your market during the Promotion Period, we credit your LemFi Cash balance with a promotional grant (a “Grant”). We show the amount of the Grant for your market in the app.

7.2 We issue promotion codes for this Promotion through the creators and channels we appoint, so codes differ between creators. A code is valid only if we issued it for your market, you enter it during the Promotion Period, and we have not withdrawn it. We can withdraw a code at any time, and we can refuse a Grant where a code reaches you outside the channels we appointed.

7.3 A Grant credited under this Promotion is LemFi Cash, granted under clause 4.1(d) of the Programme Terms. The Programme Terms govern that Grant, including how you apply it, how much is applied, any per transaction and per period caps, when it expires, what happens if a transfer is refunded or reversed, and our rights where we find abuse. These Terms do not change any of that.

7.4 Two points from the Programme Terms matter enough to repeat. First, LemFi Cash increases the amount your recipient receives. It does not reduce the amount you pay. Second, we apply LemFi Cash to a transfer only if you switch it on before you confirm that transfer.

7.5 LemFi Cash is not money and it is not electronic money. You cannot withdraw it, transfer it to anyone else or exchange it for cash, and it has no cash redemption value. Section 2 of the Programme Terms sets this out in full.

7.6 You hold one LemFi Cash balance. If you earn a Grant under this Promotion and also earn LemFi Cash another way, we credit both to that balance, and the Programme Terms govern the order in which we use them.

7.7 LemFi Cash cannot be applied to every transfer. Clause 5.2 of the Programme Terms sets out which transfers are eligible, and the app shows you where LemFi Cash cannot be applied.

7.8 A cap applies to the total LemFi Cash you can apply in a calendar month. Schedule 1 sets out that cap for your market. Clause 5.7 of the Programme Terms says a cap of this kind is shown in the app. Until the app shows it, Schedule 1 is where you can find it.

7.9 Reaching the monthly cap does not cost you the rest of your Grant. Any LemFi Cash you have not applied carries over into the next calendar month, up to the expiry date for that Grant.

8. REFER A FRIEND

8.1 Referral rewards are part of the LemFi Cash programme and not part of this Promotion. Clause 4.1 of the Programme Terms already provides for them: a referrer earns a reward once the person they referred completes their first Qualifying Transfer, and a person who registers using a valid referral code may earn a joining reward once they have completed the customer verification we require before they can send money.

8.2 The amounts that apply in your market are shown in the app and on the Invite and Earn page for your market.

8.3 The person you refer must use your referral code or link when they register. We cannot apply a referral afterwards.

8.4 Section 5 of the Programme Terms governs how a referral reward is applied, Section 7 governs when it can be reversed, and Section 9 governs abuse, including self-referral and accounts opened to claim rewards.

9. GENERAL CONDITIONS

9.1 The Promotion is personal to you. You cannot transfer or assign any benefit under it.

9.2 You cannot combine the Promotion with any other LemFi promotion, promotional rate, discount or offer unless we say in writing that you can. This does not stop you earning or applying LemFi Cash under the Programme Terms.

9.3 The Promotion applies only to transfers to India. It does not apply to transfers to any other country.

9.4 We may require you to give us information we reasonably need to confirm that you qualify. If you do not give it to us within a reasonable time, we may withhold the benefit.

9.5 Nothing in these Terms limits or excludes our liability where the law does not allow us to do so, and nothing in them affects your statutory rights.

10. CHANGING, SUSPENDING OR ENDING THE PROMOTION

10.1 We may change these Terms, suspend the Promotion or end it early where we have a valid reason to do so, including where we need to comply with a legal or regulatory requirement, where a technical fault affects the Promotion or where we detect abuse.

10.2 We publish any change on the LemFi website and, where the change is material and affects you, we tell you in the app or by email.

10.3 If we end the Promotion early, we honour every benefit already earned under these Terms before the Promotion ends.

11. FRAUD AND ABUSE

11.1 We may withhold a benefit, recover a benefit already paid, cancel a transfer, or suspend or close an account where we reasonably believe that a person has:

a) given us false or misleading information;

b) opened or controlled more than one account to claim a benefit more than once;

c) used an automated method, a script or any other technique to obtain a benefit; or

d) taken part in the Promotion other than in good faith and for their own personal use.

11.2 We make that assessment reasonably and we tell you our decision. You can challenge it through our complaints process.

12. OUR OTHER PRODUCTS

12.1 Our marketing for the Promotion refers to other LemFi products, including Send Now Pay Later, Credit Monitor and our savings account. Those products are not part of the Promotion. Each has its own terms and its own eligibility conditions, a different company in our group may provide it, and taking part in the Promotion does not entitle you to any of them.

12.2 Any interest rate we quote for a savings product is the rate applying at the date we publish it. Rates change. The terms of that product govern the rate you receive.

13. YOUR PERSONAL DATA

13.1 We process your personal data for the Promotion in line with the LemFi privacy notice at https://lemfi.com/legal/mobile-privacy. We use it to confirm that you qualify, to pay benefits and to prevent fraud.

13.2 We do not publish your name or share your details with any third party for marketing purposes as a result of your taking part.

14. COMPLAINTS

14.1 If you are unhappy with anything about the Promotion, contact us at support@lemfi.com and we will handle your complaint under our published complaints procedure.

15. GOVERNING LAW

15.1 The law that governs these Terms, and the courts that can hear a dispute about them, depend on where you live, as set out in Schedule 1.

15.2 If you are a consumer, clause 15.1 does not take away any protection you have under the law of the country where you live, and you can bring proceedings in the courts of that country.

SCHEDULE 1 (MARKET DETAILS)