Mr. Alex McDougall reports

THE FUTR CORPORATION ANNOUNCES ENTERPRISE AGREEMENT WITH DIRECT WHOLESALE RATES TO EXPAND AI-POWERED MORTGAGE, PAYMENTS, AND HOME CONCIERGE SERVICES IN THE U.S.

Effective Dec. 23, The Futr Corp. has entered into an enterprise agreement with DWR Residential, a United States-based mortgage brokerage platform, to launch a pilot program integrating Futr's AI-powered consumer finance services into Direct Wholesale Rates mortgage customer experience.

Under the agreement, Futr will launch its high-fidelity AI platform, Futr Payments and Futr Agent into DWR's mortgage ecosystem across the United States. The partnership enables DWR consumers to connect with a Futr AI agent as a home concierge, optimize mortgage payments through Futr's intelligent payment rails, and access data-driven mortgage and home service insights.

New and existing Direct Wholesale Rates customers will have the option to use:

1. Futr Payments' intelligent payment rails -- which analyze mortgage structures and recommend optimized payment schedules intended to reduce interest costs by up to $100,000 over the life of a loan;
2. Futr Agents' home concierge -- which ingests mortgage, inspection, title, legal, listing, and other data and documents into a consumers' private agent to query and provide recommendations. Consumers will be rewarded in Futr Tokens for all home data contributed to the concierge.

As part of the pilot phase of the program, Futr will also deliver data-driven mortgage application packages, referred to as Futr Intents, designed to streamline consumer engagement and improve conversion efficiency. The pilot phase is designed to validate systems, processes and consumer engagement ahead of a potential full-scale rollout under a Real Estate Settlement Procedures Act (RESPA) affiliate business arrangement.

"Launching this partnership with Direct Wholesale Rates validates Futr's ability to deploy AI-driven agent and payment infrastructure within one of the largest and most complex financial ecosystems in the world," said Alex McDougall, president of The Futr. "DWR brings deep mortgage expertise and scale, while Futr delivers intelligence, related products and consumer-first economics that can materially improve outcomes over the life of a loan."

David Zitting, president and chief executive officer of DWR residential and strategic adviser at Futr, added: "We see significant opportunity in pairing DWR's mortgage platform with Futr's AI-driven payments and home concierge capabilities. This partnership allows us to deliver more value, transparency and long-term savings to our clients while opening new revenue opportunities aligned with consumer outcomes."

The initial program will apply to the United States, with the potential to expand into additional jurisdictions by mutual agreement.

Futr also announced today that it is changing its fiscal year end from June 30 to Dec. 31. With respect to this, the company has filed a notice of change in year-end pursuant to Part 4.8(3) of National Instrument 51-102. Due to this change, the company will not be filing a quarterly financial report for the second quarter ending Dec. 31, 2025. This quarter will be included in the audited consolidated financial statements of the company for the year ended Dec. 31, 2025, which will be reported before April 29, 2025. This change aligns the company's financial reporting period with its operational cycles and strategic planning processes. For details regarding the length and ending dates of the financial periods, including the comparative periods of the interim and annual financial statements to be filed for the company's transition year and its new financial year, reference is made to the notice of change of financial year-end filed by the company on SEDAR+ pursuant to Section 4.8 of National Instrument 51-102 -- Continuous Disclosure Obligations, a copy of which is available electronically.

About The Futr Corp.

Futr builds high-fidelity AI systems and next-generation payment infrastructure that unlock consumer financial potential across industries. By combining best-in-class data connectivity with AI-driven transaction automation, Futr delivers seamless payment, credit and verification experiences embedded directly within partner ecosystems enabling reliable, explainable AI that can act on behalf of consumers.

Futr's model ensures that all contributors to the data economy, including consumers and institutions, are rewarded for the value they create.

We seek Safe Harbor.