============================================================ VELARU CERTIFICATE OF AI GOVERNANCE COMPLIANCE Nisaba LLC · Patent #64/124,027 ============================================================ Certificate ID: VLR-CERT-79db7750f7a8 Issued: 2026-08-18T23:02:30.041774Z Named Insured: demo Carrier Program: galactic_payday_lending Compliance State: NOT_ENROLLED Asymmetry Grade: N/A Bind Allowed: NO Renewal Allowed: NO This certificate attests that the insured's Velaru pre-dispute evidence window and Handler Receipt were evaluated at issuance time. Verification is independent — any party may confirm signatures at: https://velaru-erra.onrender.com/verify Lock verify: N/A Diligence profile: https://velaru-erra.onrender.com/diligence/demo NOT LEGAL ADVICE · NOT A POLICY OF INSURANCE ============================================================