et up phase and thereafter through the Board of Directors of iBank 31 Proprietary and Confidential EFTA00307188 iBank: Regulator's demands from Control Investors K Integrity K Net worth of 2-3 times of their investment amount K No leveraging or pledging of the investment (all equity) K PE or VC Funds can n

Requirements & Holding Restrictions The control group will invest 50.1% of the $100 million. The balance will be provided by the non-control group. Control Investors are not obligated to invest new capital in the bank (i.e., beyond their initial commitment) in case of financial stress. • BOI control group requi