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XTM Announces Revocation of Cease Trade Order And Appointment of
New Chief Financial Officer

October 3, 2024

TORONTO – October 3, 2024 – XTM Inc. (“XTM” or the “Company”) (CSE:PAID / FSE:7XT) is pleased to announce that on October 2, 2024 the Ontario Securities Commission (the “OSC”) issued an order revoking the failure-to-file cease trade order issued on July 3, 2024 against XTM (the "Cease Trade Order"). The Cease Trade Order was issued due to XTM’s failure to file its annual audited financial statements (the "Annual Financial Statements") and related management discussion and analysis and certifications for the financial year ended December 31, 2023 as required by National Instrument 52-109 - Certification of Disclosure in Issuers' Annual and Interim Filings ("NI 52-109").


On September 30, 2024, XTM filed the Annual Financial Statements, interim financial statements for the three months ended March 31, 2024, interim financial statements for the six months ended June 30, 2024, together with the management’s discussion and analysis and required certifications in respect of each period (collectively, the “Filings”). The Filings are available for review and download on the Company’s SEDAR+ profile at www.sedarplus.com.


The Company is in contact with the Canadian Securities Exchange (the "CSE") to have the suspension of trading of the Company's common shares lifted. The Company will provide a further update to shareholders in respect of the Company's trading status on the CSE in due course.


Mr. Jakob Ripshtein appointed as XTM’s Chief Financial Officer


The Company is pleased to announce the appointment of Mr. Jakob Ripshtein as the Company’s Chief Financial Officer (“CFO”), effective October 3, 2024.

Mr. Ripshtein brings over 30 years of experience leading finance, corporate strategy, marketing, and sales and has a deep understanding of diversified industries.  As President of Diageo Canada followed by CFO of Diageo North America, Jakob was charged with providing the financial and strategic leadership to deliver the Diageo North America Financial performance NSV and trading profit commitments to the company, directly contributing to and shaping the business strategy, as well as managing a complex governance and compliance agenda. An exceptional leader, Jakob influences, orchestrates and balances across global, regional and local objectives to achieve optimal performance results for the organization. Jakob participates in and guides the prioritization and investment of strategic initiatives across innovation, advertising and promotion, resource allocation, and commercial strategy. He also worked in partnership with North America Supply and global off-shore shared service functions in order to maximize the performance outcomes for the business.


"Jakob is the right financial leader for XTM’s evolution and Jakob’s background and skillset will help the Company achieve its financial goals and objectives faster and more efficiently," said Marilyn Schaffer, the Company’s Chief Executive Officer. "We are thrilled that Jakob is joining the team, and we are confident that his leadership and expertise will play a vital role in driving profitable growth at XTM, achieving operational excellence across the enterprise and advancing our priorities of growth and increasing shareholder value."



About XTM


XTM with offices in Miami, Toronto, Denver, and London is a Fintech creator of payment innovations including fully certified Earned Wage Access through its AnyDay™ product.  Founded in the cloud-banking space to further support businesses to inspire their workforce in the hospitality, personal care and services staffing industries, XTM provides on-demand pay for many large brands including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation. QRails is a fully owned subsidiary of XTM. A cloud-based, API-driven issuer-processor, QRails enables payroll providers, financial institutions and other global fintech companies to keep up with the on-demand economy by delivering innovative digital payment solutions to their employees. QRails helps companies modernize and leverage payroll as a differentiator in attracting and retaining talent all at low to no cost for the employee and employer. QRails’ flagship solution, AnyDay™, is the first provider to own their full tech stack that powers their Earned Wage Access solution.  Founded in 2016, QRails, Inc., together with its U.K. subsidiary, QRails Limited is SAP-certified, QRails also has earned several industry certifications under PCI DSS, and SOC. For more information, please visit www.QRails.com.


Contacts


Marilyn Schaffer

E: finance@xtminc.com

T: 416.260.1641

https://www.xtminc.com/


The CSE has not approved nor disapproved the contents of this press release, and the CSE does not accept responsibility for the adequacy or accuracy of this release.

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