Wise Group plc – Indentures Watch

from 20FR12B 40 pages Wise Group Plc 2026 Equity Incentive Plan With Non-Employee Sub-Plan Adopted by the Board of Directors: April 8, 2026

from 20FR12B 45 pages 1 Definitions in These Rules: “Acquiring Company” Means a Person Who Has or Obtains Control (Within the Meaning of Section 995 of the Income Tax Act 2007) of the Company; “Award” Means a Conditional Award, an Option or Forfeitable Shares; “Award Date” Means the Date Set by the Committee Under Rule 2.3 Or, if No Such Date Is Set, the Date on Which the Award Is Granted; “Bonus Deferral Award” Means an Award to Which Rule 2.4 Applies; “Change of Control” Means (A) When a General Offer to Acquire Shares Made by a Person (Or a Group of Persons Acting in Concert) Becomes Wholly Unconditional; or (B) When, Under Section 895 of the Companies Act 2006 or Equivalent Procedure Under Local Legislation, a Court Sanctions a Compromise or Arrangement in Connection With the Acquisition of Shares; Or

from 20FR12B 25 pages Rules of the Transferwise 2021 Equity Incentive Plan Adoption Date: 1 January 2021 Contents

from 20FR12B 29 pages Transferwise Ltd Transferwise 2016 Share Option Plan Adoption Date: 15 June 2016 and as Amended on 27 February 2019 and 8 April 2026 Part a Is the Transferwise 2016 Company Share Option Plan Part B Is the Transferwise 2016 US Share Option Plan Part C Is the Transferwise 2016 Non-Tax Advantaged Share Option Plan for Non-US Taxpayers Part a of the 2016 Plan Is Intended to Constitute a Schedule 4 Csop Scheme Under Schedule 4 Income Tax (Earnings and Pensions) Act 2003 as Amended From Time to Time. for the Purposes of the 2016 Csop the Following Companies Are Constituent Companies as at the Adoption Date: Transferwise Ltd Only Employees of Transferwise Ltd Can Participate in the 2016 Csop. Further Companies (Subsidiaries of Transferwise Ltd) Can Be Added by Nomination of the Board

from 20FR12B 141 pages Trust Deed 13 November 2025 Wise Financing PLC as Issuer and Wise PLC as Parent Guarantor and Wise Europe SA, Wise Financial Holdings Ltd, Wise Payments Limited and Wise US Inc. as Initial Guarantors and Citicorp Trustee Company Limited as Trustee Relating to the £2,000,000,000 Euro Medium Term Note Programme Contents

from DRS/A 45 pages 1 Definitions in These Rules: “Acquiring Company” Means a Person Who Has or Obtains Control (Within the Meaning of Section 995 of the Income Tax Act 2007) of the Company; “Award” Means a Conditional Award, an Option or Forfeitable Shares; “Award Date” Means the Date Set by the Committee Under Rule 2.3 Or, if No Such Date Is Set, the Date on Which the Award Is Granted; “Bonus Deferral Award” Means an Award to Which Rule 2.4 Applies; “Change of Control” Means (A) When a General Offer to Acquire Shares Made by a Person (Or a Group of Persons Acting in Concert) Becomes Wholly Unconditional; or (B) When, Under Section 895 of the Companies Act 2006 or Equivalent Procedure Under Local Legislation, a Court Sanctions a Compromise or Arrangement in Connection With the Acquisition of Shares; Or

from DRS/A 25 pages Rules of the Transferwise 2021 Equity Incentive Plan Adoption Date: 1 January 2021 Contents