Mr. Karim Nanji reports

MARBLE SIGNS LICENSING AGREEMENT WITH THIRDSTREAM FOR BOTH MARBLE'S CONNECT API AND INVERITE'S OPEN BANKING SOFTWARE

Marble Financial Inc. has entered into a licensing agreement dated April 26, 2022, with thirdstream to bring Marble's innovative financial technology solutions to the 50-plus banks, financial services and insurance (BFSI) companies on thirdstream's platform.

Founded in 1997, thirdstream has approximately 50 BFSI clients, which together serve over 6.4 million Canadian consumers. Thirdstream presents an extensive and expanding ecosystem supporting financial institution needs for on-line and in-person account opening, onboarding, identity verification and automated decisioning. Its BFSI client base includes prominent financial institutions such as Laurentian Bank, Canadian Western Bank, Coast Capital Savings, WFCU Credit Union, Home Trust Company and Coastal Community Savings. thirdstream's open API (application programming interface) platform design enables rapid onboarding, thorough fraud prevention and remote identity verification, resulting in a high volume of application approvals. thirdstream's platform provides the BFSI sector with the digital workflows to rapidly register new applicants and help existing account holders acquire new products and services from their financial institutions.

"Our relationship with Marble Financial provides our clients with advanced solutions, helping them present leading financial products and services to consumers across Canada," said Keith Ginter, thirdstream's chief executive officer. "Based on the positive feedback from clients we consulted, we are confident this is a track that will be enormously beneficial to clients. As our strategy evolves, we attract partners who can help us enrich our platform as a service. Marble is helping us provide depth in areas critical to financial institutions as they enrich the lives of their customers. We see opportunities for our clients and our partners, which today include Central 1 and ebankIT, both with expanding client bases in Canada today."

Pursuant to the licensing agreement, Marble will license both its Marble Connect API and the Inverite platform to thirdstream, allowing thirdstream to enhance its platform ecosystem and technology solutions for BFSI clients and benefiting their clients' underlying customers.

The Marble Connect API will represent a new solution on thirdstream's platform, providing thirdstream's BFSI clients with both internal data insights and benefits for their end-user customers. It will provide these BFSI companies with additional tools and real-time data insights on their customers, providing additional products and solutions to offer their underlying customers. Marble's AI-driven solutions will provide these BFSI companies with more informed insights on risk and tools to assist with customer retention. BFSIs will also have the ability to attract both additional consumers as well as better support existing account holders, and, in the case of credit unions, existing members, through access to the new consumer solutions offered on the MyMarble platform.

Marble Connect will give thirdstream's BFSI clients access to the MyMarble platform, which they can extend to their account holders and members, without Marble having to expend significant marketing costs. Marble's intuitive software provides valuable tools for people seeking personalized financial guidance. The unique combination of Marble's banking and credit technologies is designed to provide data-driven insights and guidance to help users set financial direction, gain knowledge to become financially fit, and achieve key financial goals around budget and cash flow management, debt reduction, and improvement on creditworthiness.

thirdstream will also offer Inverite's B2B (business to business) instant banking verification solutions to its BFSI clients for know-your-client (KYC) capabilities, income verification for credit decisioning and account financing. Inverite's technology provides connectivity to 286 financial institutions' access points, helping Inverite provide financial institutions with instant verification for faster decision-making processes and seamless loan transaction processing.

Karim Nanji, chief executive officer of Marble, stated: "We are extremely pleased to enter into this robust licensing agreement, which encompasses all our products and solutions. We anticipate that licensing arrangements with thirdstream will expose our technology solutions to thirdstream's impressive list of 50-plus BFSI clients and, by extension, the 6.4 million consumers those clients serve. We believe this relationship will support our future revenue growth initiatives by providing the potential to add a significant number of new users to our MyMarble platform as well as adding new Inverite clients. Since launching Marble Connect, we are pleased with the traction it is getting as evidenced with several new licensing partners added, and thirdstream represents another significant partner choosing both our Connect and Inverite technology solution."

About Marble Financial Inc.

Marble's proprietary MyMarble platform utilizes the power of machine learning, data science and artificial intelligence in leveraging its proven data-driven strategies through technology solutions -- Connect, Inverite, MyMarble, Fast-Track, and Learn and Boost -- to engage in and navigate a clear path toward financial well-being and a meaningful credit score. Since 2016, Marble is proud to have empowered thousands of marginalized consumers to a positive financial future, and the company continues to establish ourselves as leaders in financial wellness through the licensing of its proprietary products on the MyMarble platform.

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