GEMINI HOLDINGS INTERNATIONAL

mber 31, 2024 and 2023 was $ 5.4 million and $ 16.7 million, respectively. In connection with the IPO, on September 11, 2025 all 36,837,700 Service-Based Incentive Units that were fully vested and outstanding were exchanged for 4,699,140 shares of Class A common stock. All 14,415,951 Service-Based Incentive Units that were unvested were converted to 3,815,917 RSAs and vest following their original vesting schedules over the remaining life of the awards which is generally 2 years to 4 years after the date of grant. Refer to the RSU and RSA table further above. As of December 31, 2025 and 2024, there were 0 and 34,673,621 Service-Based Incentive Units outstanding, respectively. Performance-Based Incentive Units In connection with the IPO, on September 11, 2025 all 677,750 Performance-Based I

rend analysis; • trends in revenue, cost of revenue, and gross margin; • trends in operating expenses, including technology expenses, sales and marketing expenses, and general and administrative expenses, and expectations regarding these expenses; and • other statements regarding our future operations, financial condition, and prospects and business strategies. 7 The forward-looking statements in this Annual Report on Form 10-K are only predictions and are based largely on our current expectations and projections about future events and trends that we believe may affect our business strategy, operating results, financial condition, short-term and long-term business operations and objectives, and financial needs. These forward-looking statements speak only as of the date of this Annual Repo

participants whose employment commencement date occurs on or after January 1, 2025, all Company contributions made on behalf of such participants are subject to a three-year cliff vesting schedule. Participants who were participating in the Plan as of December 31, 2024, remain fully vested in the balance held in their Plan accounts. A participant is credited with a year of service for vesting purposes upon completion of 365 days ( one year ) of service. Distributions and Withdrawals: Distributions are made only when a person ceases to be a participant. Upon termination, including retirement, a participant has various options available, as described in the Plan, with respect to the distribution of his or her Plan account balances. Participants may make in-service withdrawals in accordance w

de”), certain amounts for highly compensated employees are not contributed to the Plan. No contribution is required from any participant under the Plan. However, new employees are automatically enrolled in the Plan to make before-tax contributions of five percent ( 5 %) of their eligible compensation beginning with the first payroll period that is administratively practicable after the employee's date of hire. Employees that are automatically enrolled can elect not to make contributions or to contribute a different percentage of their eligible compensation. Participants may make contributions on a before-tax, Roth after-tax and/or traditional after-tax basis to the Plan. Participants who are age 50 or older by the end of a Plan year are eligible to make before-tax and Roth after-tax catch-

net assets available for benefits attributable to this investment. Contract value represents contributions made under the contract, plus earnings, less participant withdrawals and administrative expenses. Participants may ordinarily direct the withdrawal or transfer of all or a portion of their investment at contract value. The BNYM Insight Stable Value Fund, a collective -9- PHILIP MORRIS INTERNATIONAL DEFERRED PROFIT-SHARING PLAN NOTES TO FINANCIAL STATEMENTS (continued) trust, is valued based on information reported by the investment advisor using the audited financial statements of the collective trust which are as of and for the year ended December 31, 2025. • Mutual funds are stated at the respective funds' net asset value per share, which is determined based on market values at the