TITLE: Florida Office of Financial Regulation Issues Final Order Against Lil' Wave Financial, Inc. for Compliance Violation BODY: On March 12, 2026, the Florida Office of Financial Regulation (OFR) issued a Final Order resolving an enforcement action against Lil' Wave Financial, Inc. and Baruch Alon Harari, the company's President and Sole Owner. The action concluded following an examination (No. 132851) conducted by the OFR to assess the respondents' compliance with Chapter 494, Florida Statutes, which governs mortgage lender licensees. The OFR found that Lil' Wave Financial, Inc., licensed under mortgage lender license number MLD2258, failed to timely submit audited financial statements for Fiscal Year 2024, as required by Sections 494.001 and 494.0077 of Florida Statutes. This constituted a violation of Section 494.0063, Florida Statutes. Rather than pursue formal litigation, the parties resolved the matter through a Stipulation and Consent Agreement, which the OFR approved and incorporated into the Final Order. Under the settlement terms, the respondents agreed to cease and desist from future violations of Chapter 494, Florida Statutes, and comply with all applicable provisions and rules. The respondents were required to pay an administrative fine of $2,625.00 to the OFR, payable by cashier's check or money order referencing Case Number 134037. By consenting to the Final Order, the respondents waived their rights to an administrative hearing, a Notice of Rights, separately stated Findings of Fact and Conclusions of Law, and the right to appeal the Final Order pursuant to Section 120.68, Florida Statutes. The Final Order constitutes final agency action by the OFR and may be enforced pursuant to Chapters 494 and 120, Florida Statutes.

CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]

Horizon Scanning Outline. Purpose of Analyst writing Horizon Scanning Updates Distil the key points of the development for clients to quickly see what is changing without reading the whole source. Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes. Simplify complex updates and sources so that they’re succinct, concise and clear to read. Consistently structure and write updates in the same format. Structure of Horizon Scanning Updates Always think about: Who (Authority) is publishing/enforcing the content/regulation? Where (Jurisdiction)? What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed? Who is this update applicable to (credit, e-money institutions, etc.)? Why is this update noteworthy? What is its significance? When is the update applicable? Title Describe what the update is about. Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what). All titles should be written in present tense. Avoid using acronyms Approx 10 - 20 words Example Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance Paragraph 1 Open with the date of the update (When) Name the authority that released the update (Who) Summarise the release (What) Example On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets. Paragraph 2 Summarise key points. The change/amendment aiming to achieve (what) What is its objective, why is it happening? Why is it significant? (why) Who does it impact or concern? (Who) The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document. Example SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to: Study Indian and global best practices. Prepare the guidelines. Address the concerns and issues arising from AI/ML usage. SEBI is consulting on the following principles to develop the guidelines: Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models. Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information. Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results. Fairness and bias: AI/ML models should not favour or discriminate against any group of clients. Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security. Paragraph 3 Acts as a “Call To Action”. Provide forward looking context: What actions need to be taken? Who needs to take action? Next steps to the development. Include any relevant dates (When) Response dates - should always be provided for consultations Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted. Example The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026. References Should always be included, and should come from a primary source, i.e., an authority, not a news source. General Style Notes: 200-250 words Active voice Authorities and companies referenced as a single entity (“It”, not “they”) Titles in title case Internal Vixio vocabulary guide Content Style Guide Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content. A Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA). Act - when just referring to “the act”, it does not need a capital a. Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell). - advice (noun) - give formal suggestions (for example, I gave them advice). Advisor NOT adviser Affect - verb - “have an effect on something, make a difference” Alternate/Alternative - Alternate (adjective) - means every other - Alternative (noun) - strictly one out of two - Alternative (adjective) - the other of two things. Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”. AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT Among/while NOT Amongst/whilst API - application programming interface Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act. Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”. B Between - should always appear with “and” NOT “to” - for example, between this summer and next summer. Big tech - two words, breaks convention of other tech words Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522). Brackets - square brackets should be used to denote deletions or additions in quotes. Buy now, pay later - no hyphens Bullet points - see Lists C Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a) Cardrooms not card rooms Cases - legal cases should appear in italics, with a v for versus. Casino-resorts NOT casino resorts or resort-casinos Chief executive NOT chief executive officer Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes) Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000) Comparisons - compare with (highlighting differences) - compare to (highlighting similarities) Companies/organisations - singular entities (it NOT they) should be followed by “which/that” rather than “who” Ltd, not Limited Complement - to accompany something/add value Compliment - give praise (complimentary = free) Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings) Comprise/comprising - should NOT be followed with “of”, as it means to “consist of” Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,) Continually - if something occurs repeatedly/regularly in the same way Continuously - if something occurs without interruption or gaps Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone) Contrast - by contrast - when comparing one thing to another - in contrast - simply noting a difference Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting Court of Justice of the European Union (CJEU) rather than ECJ Cryptocurrency - one word, not hyphenated. Crypto-assets - hyphenated Cybersecurity - one word, not hyphenated CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar) m for million, bn for billion, trn for trillion. D Date format - Month, Day, Year (e.g., March 7, 2019) For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…” For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...” For NIBs: always use dates rather than days. Department for Digital, Culture, Media & Sport - ampersand Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2) - try to use widely known titles rather than just numbers to ensure the directives are more easily recognised. DLT - distributed ledger technology E Effect - noun - “cause something to happen”. Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–). Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”. esports NOT eSports or e-sports Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”. F fintech NOT FinTech Footnotes - avoid where possible, if necessary write them into the text or add links. G GGR - “gross gaming revenues” Government - does not need a capital g. Governor - should be written out in full, NOT Gov. Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines) H Headlines - all words should begin with a capital Horseracing NOT horse racing Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money - DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper I Impact - should be used as a noun - i.e. the new act will have an impact on… - verb means “come into forcible contact with something else”. - using “affect” as a verb is more accurate. J Judgment - legal decision Judgement - one’s own opinion Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters. Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive. OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur DON’T need capitals unless a figure of importance (i.e., Prime Minister, President) Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be. Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team). K KYC - know your customer L Legislature - does not need a capital l. Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables. Licence - noun (UK), i.e. a driver’s licence License - verb/noun (US) Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent). M MONEYVAL NOT Moneyval More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players. N Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive. Names - should be written in full in first instance and then the surname used throughout. Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences. Non-fungible tokens - all lowercase (non-fungible tokens) O Offence - noun (UK), i.e. commit an offence Offense - noun (US) Organisations/companies - singular entities (it NOT they) should be followed by “which/that” rather than “who” Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears). Over - should not be used as a replacement for “more than”. P Parliament - does not need a capital p. Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”. - passed is the past tense of “to pass” - “the law was passed in government”. Prepaid, not pre-paid Percentages - numbers should always be written as figures percent NOT per cent or % Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent) Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to” Principal - main, most important Principle - a fundamental source or basis of something Programme (UK) Program (US, UK - for computer program, Australian English) Q Quotes - speaker should be referenced in the past tense (said NOT says) Quote marks - double quote marks should be used for speech - single quote marks should only be used for titles and within quotes. (See Quote reference sheet for more information on how to use quotes.) R regtech NOT RegTech Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines) Racetracks not race tracks S Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018. Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act. Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.) Sports betting NOT sportsbetting Sports team names Storey (pl. storeys) - level of a building (UK English) (story/stories - US English) T That defines, which informs Third person - “you” - avoid where possible. Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a) Tenses - content should generally be written in past tense - present tense should be used for something that has just happened and will be continuing into the future. U United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”) U.S. Department of Justice - Justice Department (with capitals as requested) V Vixio GamblingCompliance / Vixio PaymentsCompliance Vixio (to be used on its own after first instance) W Which informs, that defines While/among NOT Whilst/amongst While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”. X Y Year quarters - Q1, Q2, H1, H2, etc. Z Acronyms AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT API - application programming interface DLT - distributed ledger technology --- Now, given the above instructions and style guide, please generate a horizon scanning update based on the following webpage content. Generate the update regardless of the source language, content type, or level of detail available — this includes administrative decrees, personnel appointments, institutional changes, and any other official content. Use whatever information is present. Index: OFR 2026 - 135 .. ,~ , CKETEO 2/2026 STATE OF FLORIDA £GA\. OFFICE OF FINANCIAL REGULATION In Re: LIL' WAVE FINANCIAL, INC., and Case Number: 134037 BARUCH ALON HARARI, Respondents. FINAL ORDER This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds: 1. The Office has jurisdiction over the subject matter of this case and the parties hereto. 2. The entry of this Final Order concludes the above-referenced matter. ORDERED: A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this )2~ day of March, 2026, in Tallahassee, Leon County, ' Florida. Commissioner CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Lil' Wave Financial, Inc., and Baruch Alon Harari, by electronic mail at barry@superiorloanservicing.com on this ~ 1y of March, 2026. • Regulation 8050 0 L 32314-8050 Ema1: gency.Clerk@flofr.gov Tel: (850) 410-9889 2 Exhi.bit A STA TE OF FLORIDA OF.FICE OF FINANCIAL REGULATION In Re: LIL' WAVE FINANCIAL! INC., and Case Number: 134037 BARUCH ALON HARARI, Respondents. STIPULATION AND CONSENT AGREEMENT The State of Florida, Office of Financial Regulation ("Offic.e''), and LIL' \\-'A VE FINANCIAL, INC., and BARUCH ALON HARARI ("Respondents"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows: ur 1. ~ckgr:ound. At all times material hereto. Wave Financial., Inc., is and has been a mortgage lender licensee pursuant to chapter 494, Florida Statutes, having been issued Ii censemnnber MLD225 8. At all times material. Baruch Alon Harari is and has been the President and Sole Owner of Lil' Wave Financial, Inc. Tiie Office conducted an examination (No. 132851) to ascertain Respondents' compliance w·ith chapter 494, Florida Statutes. ln lieu of initiating a formal proceeding, the parties are herein resolving the matters at issue. 2. Jurisdiction. The Office is the state agency charged with the administration and enforcement of chapter 494, Florida Statutes, and the mies promulgated thereunder. The Office has jurisdiction to bring this administrative action against Respondents pursuant to chapter 494, Florida Statutes. 3. Findings. For purposes of this Stipulation and Consent Agreement, Respondents consent to the Office making the following findings: a) Respondetlls failed to lirnely submit audite-d foumcial statements for Fisc.o1 Year 2024, as required by ss. 494.001 ~ 494:0077, in violation ,of section 494.0063, Florida Srntutes. 4. Terms and Conditions. The partic.s agree that 1he issues raised can be expeditiously resolved without further litigation by the cx:ccution of this Stipulation and Consent Agreement The patties acknowledge that they have read this Stipulation and Consent Agreement and fully ur1de1':\tand the rights, ubligmions, lenns, duties,. and responsibilities \\'1th respect Lo its conlcnls. Thefeforc, in cornpromisc and settlement ofthc, for-cgoing findings and in c-0ns1dcration of the Office~s fome:nranoo from forthe1· litigAtion, Responderit_,; agree to the following tenns and conditions: a. FUTURE COMPLIANCE. Respondents agt"cc that they shall cease and desist from futu1-c violations of chnptcr 494, Florida Statutes, and the rules promulgatecl thereunder\ and comply with all the provisions of chapter 494, Florida Statutes, and the rnles promulgated pursuant thereto. b. ADMINISTRATIVE FJNE.. Respondents agree to pay the Office an adminlstrative fine in the amount of Two Thousand Six lhmdr-cd Twtnty-J?.i,•e Dollars (S:2,625,00),, ll) be paid at the time of the execution and <lelivt!ry of this Stipulation and Consenl Agr1.-emcnt.. This 11dministrative fine shall be submitted in the form of a '\\i~. cashier's t:heck or money order made payable to "D_{lice ofFinancial Regullltion ". Such payment shaJl refercnct!. Cas(.: Number 13403'7 and shull be sent to the attention of Agency Clerk- c/o Carrie S. Frnn7,:, Post Office Box 8050) Tallahll§gee.. Florida 32314-8050. Raspondents acknowledge and agree thai in acc:otdanci: with section 215.31. Florida Statute.s, rci;arding the deposit of monies. (i) the tendered fine or settleme-nt ch~k muy be deposited in advance of full execution ,or acceptance of the Stipulation and Consent Agreement; and (ii} !:Uch deposit shall not be construed as a final acce:ptance of the St1pulation and Consent Agre.ement absent full execution the.reef and entry <)f Final Order adopting same. ~ 5. Final OJ'der. Respondents consent to the entry of a Final Order! which incorporates the terms of this Stipt1lnti01l and Consent Agreement. Respondents. undets1and and agree that this Stipulation and Consent Agreement i:s subject to the final approval 0f ~he Office of Financial Rt::gulation and the entry of the Final Ord!!-r adopting such Agreement. fo the c\·cnt that the Final Order is not entered~ this Stipulation and Consent Agl'ccment shall be nulJ and -void. The Final Order incorpora1lng this Stipulation and Consent Agreement constitute.{; final action by the Office for which the Office may si:ek enforcement punrnani to the provisions of chapters 494 and 120, Florida Statutes, 6. \V1tiver. By Respondents• conse1:tl to the emry of a Final Order with respect to this proceeding, Respondents waive: a) Any right to scpm-atoly stated Findings of P:acl and Conclusions of Law; b) Any right to receipt of a Notice of RighH JlUrsuant to chapter 120, Florida Statutes; c) Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter l 20, Florida Statutes; and d) Any right to c.onlest ill any administrative forum or judicial proceeding (including, but not fonited to, an appeal pu!'suant lo section 120.68, Florida Stnh1tes) the validlly of any term. condition, obligali(lt1, or dul) expressly 1 created in this Stipulath)n and Consent Agreement and the Vinal Order. J 7. Release.~ .. Upon foll execution of this Stipulation .and Consunt Agrcemen~ Rcsponde.nts waivc, release, and forevc.r discharg_~ the Office and i~ .agents:, representatives~ and 1 employees from any nnd all causes of action~ in law or tn equity, which Respondents may have arising out of this matter. The Office accepts this release and waiver by RespondenL.,, on behalf of llS-elf, it.:, agentsi representatives, and employeei:; without acknov,rlcdging, and expressly de11ying, that any such right or cause of ac,tion may exist. 8. P:aihne to Comply. Respondents acknowledge.. concur, and st,ipulate that Respondents' failure to comply ,vith any of the tem1s, obligations. and ctmditions of this Stipulation and Consent Agreement, and the Finlll Order adc>pfoig it, is a violation of the written agreement and the Final Order entere-0 pursuant to chapters 12{) and 494; Florida Statu1es. Such non•compliance may result in the issuance of an emergency cease and desist order. However, noLhmng herein shall be construed to limit Respondents• right lo contest any fo1ding or dct.ermination of non-compliance. 9, Attorney"s :fees. Each party herein shall be solely responsible for its separate costs and attorney's foes i:ncum::d ln the prosecution, defense, or negotiations ir1 this mutter up to and including the enlry of the F"inal Order adopting this Stipulation and Ct)nscnt Agreement. I 0. SeYerahility. The parties agree that ifa ny pmvis.ion of 1his Sti.pulation and C<msent Agreement or the application thereof to any pi.:rson or circutn~tattce is held lnvalid; the Stipulation artd Consent Agreement will be given effect without the invaHd provision, and to this end, ihe pnivJ~ions ofthi:. Stipulation and Consent Agreement are declared severable. l I. Counterparts. TI1b Stipu]ution and Consent Agn.:1,:mi;:11L may be executed in ony number of counlcrpatts, and by the paiiics in ~cparate counterparts, euch of ,vhich will !be deemed to be an original but a[I of which together will constitute but one Stipulation and Consent 4 Agreement. Copies of this Stipu]aticm and Consent Agl'ecmem transmltte.J by facsimile or ckctronic iuail shall haw the :sarnc validity as if bearing an original signature. 12. Entire Agreement. lbis Stipulation and Consent Agreement repre~ents the entire agreement by and between Respondents and the Office. Any alteralhms. variations, changes, modific-atiot:n-;, 01· wah•ets ufthe proviskms hc1•c-0fsh.a.U be valid only when they have been reduced to ·writing, duly signed by the Office and Respondents hereto, attached to the original of this Stipulation and Consent Agreement, and subjc-el lo the approval of the Office. \VIIEREFORE, in consideration the foregoing, the Offic-c and Respondents execute (,)f this Stipulation and Consent Agreement fo.r cnh-y of a Final Order on the Jast date executed below. [thi's space intentionally le_fi blank with signmures appearing on the followin;; paf{e/ 5 .Date: l-t- b > 3 Name: Baruch Aion Harari Tide: President and Sole Owner Stale of L// "- F- -- County of L. 0 /Ir,,; Baruch Alon Harari, as President and Sole Owner of Lil' Wave 1:inanci.al, Inc .• BF.FORt: ME by means of ~hys!.cal presence ,or D online notarir4ltlon. has sworn (or affirmed) that he has read and unde:1'$tands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this2°3'~day of ~:c,y:\.l_q,.-~·-• 2026. ~~ Notary Public Check the appropriate box: iD Personally known Oil Produced IdentitkaHon ~ type ofideotificmlon prodooed ~ Driver's License Passport □ Other ------- (Do not include 10 number) 6 BARUCH ALON HARARI: " "---- ---=--==---.:..:,_~- --- (Signature)· Name: Baruch Alon Harari State of_( .A .... f" OAi .lt.J County of L..i..J , Ban1ch Alon Harari; BEFORE MJi~ by means of ~ysical presence or D onHnc notarization, has sworn (or aft'inned) that he has read and undet-stands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this~~ day of Tubvvar!-1:- , 2026. Check the appropriate box: D Personalty known E(' OR Produced Identification Type of iden1ification produced ~iver•~ License D PasspoM D Other ___ (Do not include IP number) OFFICE OF FINANClAL REGULATION c. ,tj.~ (f}Ai.v 3/11/2026 Date: Gregory C. Oaks, Director Division of Consumer Finance 7

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