XCEL Inc Ltd is a company registered in England and Wales with the registered company number 12389534 and its registered address at 71-75 Shelton Street, London,
Greater London, United Kingdom, WC2H 9JQ. XCEL Inc Ltd is a registered agent of Railsbank which is an electronic money institution authorised by the Financial
Conduct Authority for the issuing of electronic money and payment instruments. The XCEL Black contactless debit card is issued by Railsbank pursuant to a licence
by Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.