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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Press+Releases/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
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&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Press+Releases/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
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&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Press+Releases/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
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&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Press+Releases/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Press+Releases/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Business+Wire/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Business+Wire/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Business+Wire/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Business+Wire/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order</title>
   <link>http://www.streetinsider.com/Business+Wire/XTM+Reports+on+Everyday+People+Payments+Service+Outage+and+Halting+of+Activities+Pursuant+to+Bank+of+Canada+Compliance+Order/26029263.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
XTM Inc. (OTCQB: XTMIF | CSE: PAID) (the “&lt;b&gt;Company&lt;/b&gt;”) provides an update on the platform service outage that occurred on January 26, 2026 (the “&lt;b&gt;Outage&lt;/b&gt;”) and is continuing in connection with the Management Services Agreement (“&lt;b&gt;MSA&lt;/b&gt;”) entered with Everyday People Financial Corp which was previously disclosed on October 22, 2025, February 2, 2026 and February 5, 2026. The Company confirms that as part of the MSA, the Company executed a blocked account agreement on November 30, 2025 which restricts the Company’s ability to move funds from its accounts. On the date that the Company transfered</description>
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   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Press+Releases/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Press+Releases/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Press+Releases/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   	   	<category domain="http://rss.financialcontent.com/stocksymbol">XTMIF</category>
   	  </item>
  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Press+Releases/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   	   	<category domain="http://rss.financialcontent.com/stocksymbol">XTMIF</category>
   	  </item>
  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Press+Releases/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   	   	<category domain="http://rss.financialcontent.com/stocksymbol">XTMIF</category>
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  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
   <guid isPermaLink="true">http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</guid>
   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   	  </item>
  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   	  </item>
  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
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   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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   	  </item>
  <item>
   <title>UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity</title>
   <link>http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID) (“&lt;b&gt;XTM&lt;/b&gt;” or the “Company”) is issuing this clarification regarding language contained in its February 2, 2026 news release referencing RPAA-aligned operational enhancements to the AnyDay / Everyday Payment platform (the “Program”).

&lt;/p&gt;&lt;p&gt;
Certain statements in that release may have been interpreted to suggest that &lt;b&gt;Everyday People Payments Inc.&lt;/b&gt; (“EPPI”) was itself registered or required to be registered under the &lt;i&gt;Retail Payment Activities Act&lt;/i&gt; (“RPAA”). It is not. This interpretation would be incorrect.

&lt;/p&gt;&lt;p&gt;
&lt;b&gt;Regulatory Status&lt;/b&gt;

&lt;/p&gt;&lt;p&gt;
There has been no change or interruption in the regulated status of XTM. XTM is and at all</description>
   <guid isPermaLink="true">http://www.streetinsider.com/Business+Wire/UPDATE%3A+XTM+Inc.+Clarifies+RPAA-Related+Disclosure+and+Regulatory+Continuity/25948726.html</guid>
   <pubDate>Wed, 04 Feb 2026 20:00:00 +0000</pubDate>
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  <item>
   <title>Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses</title>
   <link>http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID), a fintech company delivering instant payout solutions for employees and gig workers, today announced the commencement of the &lt;b&gt;Retail Payment Activities Act (RPAA)&lt;/b&gt; compliance process through its management services subsidiary, &lt;b&gt;Everyday People Payments Inc. (“Everyday Payments”)&lt;/b&gt;, for thousands of hospitality businesses across Canada.

&lt;/p&gt;&lt;p&gt;
“Applying under the RPAA to the newly formed &lt;b&gt;Everyday Payments&lt;/b&gt; is a natural extension of how we operate our business,” said &lt;b&gt;Gordon Reykdal, Executive Chairman Everyday People Financial Corp. and Board Member, Everyday Payments&lt;/b&gt;. “We welcome a clear and robust regulatory framework and believe it strengthens</description>
   <guid isPermaLink="true">http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</guid>
   <pubDate>Mon, 02 Feb 2026 09:00:00 +0000</pubDate>
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  <item>
   <title>Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses</title>
   <link>http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID), a fintech company delivering instant payout solutions for employees and gig workers, today announced the commencement of the &lt;b&gt;Retail Payment Activities Act (RPAA)&lt;/b&gt; compliance process through its management services subsidiary, &lt;b&gt;Everyday People Payments Inc. (“Everyday Payments”)&lt;/b&gt;, for thousands of hospitality businesses across Canada.

&lt;/p&gt;&lt;p&gt;
“Applying under the RPAA to the newly formed &lt;b&gt;Everyday Payments&lt;/b&gt; is a natural extension of how we operate our business,” said &lt;b&gt;Gordon Reykdal, Executive Chairman Everyday People Financial Corp. and Board Member, Everyday Payments&lt;/b&gt;. “We welcome a clear and robust regulatory framework and believe it strengthens</description>
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   <pubDate>Mon, 02 Feb 2026 09:00:00 +0000</pubDate>
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   <title>Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses</title>
   <link>http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID), a fintech company delivering instant payout solutions for employees and gig workers, today announced the commencement of the &lt;b&gt;Retail Payment Activities Act (RPAA)&lt;/b&gt; compliance process through its management services subsidiary, &lt;b&gt;Everyday People Payments Inc. (“Everyday Payments”)&lt;/b&gt;, for thousands of hospitality businesses across Canada.

&lt;/p&gt;&lt;p&gt;
“Applying under the RPAA to the newly formed &lt;b&gt;Everyday Payments&lt;/b&gt; is a natural extension of how we operate our business,” said &lt;b&gt;Gordon Reykdal, Executive Chairman Everyday People Financial Corp. and Board Member, Everyday Payments&lt;/b&gt;. “We welcome a clear and robust regulatory framework and believe it strengthens</description>
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   <title>Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses</title>
   <link>http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</link>
   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID), a fintech company delivering instant payout solutions for employees and gig workers, today announced the commencement of the &lt;b&gt;Retail Payment Activities Act (RPAA)&lt;/b&gt; compliance process through its management services subsidiary, &lt;b&gt;Everyday People Payments Inc. (“Everyday Payments”)&lt;/b&gt;, for thousands of hospitality businesses across Canada.

&lt;/p&gt;&lt;p&gt;
“Applying under the RPAA to the newly formed &lt;b&gt;Everyday Payments&lt;/b&gt; is a natural extension of how we operate our business,” said &lt;b&gt;Gordon Reykdal, Executive Chairman Everyday People Financial Corp. and Board Member, Everyday Payments&lt;/b&gt;. “We welcome a clear and robust regulatory framework and believe it strengthens</description>
   <guid isPermaLink="true">http://www.streetinsider.com/Press+Releases/Everyday+Payments%2C+Commences+RPAA+Compliance+Process+for+Thousands+of+Hospitality+Businesses/25928109.html</guid>
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   <title>Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses</title>
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   <description>
&lt;p&gt;    TORONTO--(BUSINESS WIRE)--
&lt;b&gt;XTM Inc.&lt;/b&gt; (OTCQB: XTMIF | CSE: PAID), a fintech company delivering instant payout solutions for employees and gig workers, today announced the commencement of the &lt;b&gt;Retail Payment Activities Act (RPAA)&lt;/b&gt; compliance process through its management services subsidiary, &lt;b&gt;Everyday People Payments Inc. (“Everyday Payments”)&lt;/b&gt;, for thousands of hospitality businesses across Canada.

&lt;/p&gt;&lt;p&gt;
“Applying under the RPAA to the newly formed &lt;b&gt;Everyday Payments&lt;/b&gt; is a natural extension of how we operate our business,” said &lt;b&gt;Gordon Reykdal, Executive Chairman Everyday People Financial Corp. and Board Member, Everyday Payments&lt;/b&gt;. “We welcome a clear and robust regulatory framework and believe it strengthens</description>
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