- Allows merchants to adopt our layaway feature so that customers may purchase items from the merchant's website after integrating with ShotPay! ShotPay Layaway lets customers reserve gear today with a deposit and is delivered following completion of payments on schedule.

• ShotPay Layaway allows eligible shoppers to reserve an item by making structured payments prior to shipment or transfer.

• A non-refundable deposit may be required at enrollment, as disclosed at checkout.

• All payment amounts, due dates, and cancellation/forfeiture terms will be disclosed in your Layaway Agreement.

• Items will not be shipped or transferred until all scheduled payments are received in full.

• ShotPay evaluates applications using proprietary credit models that may include review of your credit history, bank account information, purchase history, and other factors. Approval is not guaranteed. ShotPay may use soft or hard credit inquiries as disclosed at the time of application. A hard inquiry may impact your credit score.

- Allows merchants to adopt our BNPL feature so that customers may purchase items from the merchant's website after integrating with ShotPay! ShotPay BNPL lets customers receive an item after putting down an initial deposit on said item. Our BNPL Pay in 4 system breaks the customers total into predictable, scheduled payments with clear terms disclosed upfront.

• ShotPay Pay-In-4 allows eligible shoppers to split a qualifying purchase into four equal installment payments.

• The first payment is due at checkout. Subsequent payments are due every two (2) weeks.

• Depending on your state of residence, Pay-In-4 may be offered with a 0% APR or with applicable interest and fees as disclosed in your Consumer Installment Agreement.

• Late or returned payments may result in fees as specified in your agreement.

• ShotPay evaluates applications using proprietary credit models that may include review of your credit history, bank account information, purchase history, and other factors. Approval is not guaranteed. ShotPay may use soft or hard credit inquiries as disclosed at the time of application. A hard inquiry may impact your credit score.

• Merchants are able to handle all-things processing / administration on our site after approval and agreement with ShotPay. Includes the ability to view and handle orders/purchases through the ShotPay ecosystem.

• Customers are able to create their own ShotPay account. Includes the ability to view all merchants that host ShotPay payment processing options on their websites, and the ability to view orders placed through the ShotPay ecosystem.