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<div id="LiveHTMLWrapper475" class="livehtml"><h1 style="text-align: center;">An Open Letter to the End Users of Synapse Brokerage</h1>
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<p>We at Evolve Bank & Trust understand the frustration and uncertainty you have experienced due to the Synapse bankruptcy. We want to extend our gratitude for your patience and understanding as we navigated this complex situation, which arose because of the inaccuracies in Synapse’s account ledgers.</p>
<p>Since identifying significant irregularities in the end-user balances reported by Synapse to Evolve and the other banks that had worked with Synapse, we have been committed to reconciling hundreds of millions of transaction records to reconstruct these balances. This is important because without doing so, we would not have confidence that the right end users would receive the right funds.</p>
<p>Throughout this process, we have been fortunate to have Ankura, an expert consulting firm with decades of experience performing complex account reconciliations, perform this reconciliation. Their expertise has been necessary and instrumental to complete the reconciliation. And, with that work done, we are now returning the funds we hold based on the results of the reconciliation.</p>
<p>As we do so, it is important to help you understand why we have taken the time to go through this extensive process the way we did.</p>
<ul style="margin-left:15px;list-style-position:outside;list-style-type:disc;padding-left:15px;">
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>There Are Many Entities Involved:</strong> Before it filed for bankruptcy, Synapse was an intermediary between multiple financial institutions and numerous fintech companies, which had the relationship with end users like you. Together, these multiple bank partners are known as the Synapse “ecosystem banks.” Synapse spread and moved money held on behalf of end users between those multiple banks. Synapse was responsible for tracking the location of those funds by maintaining accurate ledgers across its ecosystem.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>We Found Irregularities in Synapse Ledgers:</strong> Synapse provided Evolve and other banks ledgers that purported to show end user balances at various banks. These ledgers contained numerous inconsistencies and could not be trusted to accurately report on end user balances.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>We Pursued The Responsible Course of Action:</strong> With the knowledge that Synapse was incorrectly reporting end user balances to their fintech platforms, we felt it was our responsibility to reconstruct the balances and get an accurate understanding of true end user balances so that we could return the funds held at Evolve to the correct end users and in the correct amounts. It has been a long road for everyone involved, but the right road, and we are proud to have completed this exhaustive reconciliation process, which we believe was the responsible course of action to properly return end user funds.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>We Initiated a Transaction-by-Transaction Review:</strong> Evolve was the only bank to undertake a transaction-by-transaction reconciliation across end users. We did this because we believed it was essential to use trustworthy data rather than relying on Synapse’s flawed ledgers. The reconciliation has involved a meticulous review of over 100 million transaction records to evaluate and correct the flawed ledgers from Synapse.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>The Results of the Reconciliation Confirmed Our Concerns:</strong> Ankura’s reconciliation confirmed that Synapse’s ledgers were contradicted by its own transaction data and with transaction data from the Federal Reserve and Evolve’s own records. In other words, the Synapse ledgers were wrong.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>The Reconciliation Process Allowed for Reconstructed End User Balances:</strong> Using transaction data obtained from Synapse through the Bankruptcy Trustee, and transaction data from Evolve and the Federal Reserve that reliably reported the actual movement of funds among banks, Ankura reconstructed end user balances across the ecosystem. The reconstructed end user balances—which end users will be able to see when they authenticate into <a href="https://reconciliationbyevolve.com" target="_self">reconciliationbyevolve.com</a> today—are an accurate reporting of how much money each end user had with their fintech platform. For some end users the balance might not be what Synapse reported or what appeared on their statement. We appreciate that it might not be what some end users expect, but we are confident in Ankura’s work in reconstructing those balances.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>End Users’ Funds Were Spread Across Synapse’s Ecosystem of Banks:</strong> While the reconciliation helped recalculate end users’ total balance at their fintech platform, that was only the first step. Another challenge in this process is determining where all end user funds are located because Synapse spread those funds across multiple banks. In other words, an end user of a fintech platform could have his or her funds spread across numerous program banks that partnered with Synapse Brokerage. And, although Evolve was winding down its relationship with Synapse and only processing certain transactions, Evolve held some (but not all) end user funds. So, using federal banking transaction data and debit card processing transaction data that Evolve held, we calculated how much of the end users’ funds were held at Evolve. We know that Evolve is just one piece of the puzzle, and we hope that others will work with us to get a more fulsome picture of which other banks held funds for which end users.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>Returning End User Funds Accurately Across the Ecosystem is Everyone’s Priority:</strong> Evolve strongly advocated for other stakeholders to join our effort to determine the location of end user funds. While we had hoped that other banks would join in our initial efforts, we have gone it alone. Still, we welcome partnership from any other bank that had partnered with Synapse Brokerage to hold end user funds to help get a better picture of where each end users’ funds are held.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>We Are Now Returning Funds:</strong> Based on the results of our reconciliation, today, Evolve will begin returning the funds it holds as a result of the Synapse bankruptcy to end users.</li>
<li style="list-style-position:outside;list-style-type:disc; padding-left:15px;"><strong>We’re Still Eager to Collaborate with Other Banks:</strong> Now that Ankura has completed their analysis and reconciliation, we have again offered to coordinate with other banks to share transaction data, enabling them to reconstruct end-user balances using reliable information—not the flawed Synapse—and accurately return funds to end users. We hope they will join us in these efforts to determine where end users’ funds are and get them back to end users.</li>
</ul>
<p><strong>Moving Forward</strong></p>
<p>We understand that this has been a challenging experience. We appreciate your patience and understanding throughout. This has been frustrating for us at Evolve, for our fintech partners and, most importantly, for you, the end users.</p>
<p>As you receive your emails, please know that our dedicated call center team is here to answer questions and provide assistance. And, if you do not receive an email by November 14, 2024, and believe you should have received funds held by Evolve, or if you wish to appeal the amount of the funds returned to you or the calculation of your platform balance, you can do so by visiting <a href="https://reconciliationbyevolve.com" target="_self">reconciliationbyevolve.com</a>. There you will be able to get more information and provide a description of why you believe your payout amount or program balance are incorrect and upload documents that you believe support your claim.</p>
<p>Thank you once again for your patience and trust as we worked through this process. We remain committed to ensuring that you receive the funds you are owed and to upholding the highest standards of accuracy and integrity.</p>
<p>Sincerely,</p>
<p>Scot Lenoir<br>
Founder<br>
Evolve Bank & Trust</p>
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