4230 | 4 October 2023

Zero Hash and Zero Hash Liquidity Services
User Agreement
Last Updated: October 4, 2023
This agreement (“User Agreement”) sets forth the respective rights and obligations between you and Zero
Hash LLC, a limited liability company formed under the laws of Delaware (“Zero Hash”) and, if applicable,
Zero Hash Liquidity Services LLC, a limited liability company formed under the laws of Delaware (“ZHLS”).
As used herein, “you” and “your” refers to the individual or entity agreeing to the terms of this User
Agreement either in writing or via electronic acceptance; references to “we,” “us,” and “our” are inclusive
both Zero Hash and ZHLS. Please read through this User Agreement carefully before registering an
account with Zero Hash (“Account”) and accessing or using the Services (as defined below).
BY REGISTERING AN ACCOUNT OR ACCESSING OR USING THE SERVICES, YOU AGREE TO BE LEGALLYBOUND BY THE TERMS AND CONDITIONS OF THIS USER AGREEMENT IN THEIR ENTIRETY, INCLUDING ANYTERMS INCORPORATED BY REFERENCE.
IF YOU DO NOT AGREE TO ANY OF THESE TERMS AND CONDITIONS, INCLUDING THE MANDATORYARBITRATION PROVISION IN SECTION 16, AND THE MANDATORY INTERACTIVE BROKERS LLC
SUPPLEMENT TO INTERACTIVE BROKERS LLC CLIENT AGREEMENT IN CONNECTION WITH TRADINGDIGITAL ASSETS WITH ZERO HASH THROUGH IB's PLATFORM (“CRYPTOCURRENCY PLATFORM
AGREEMENT”) (IF APPLICABLE), INCORPORATED HEREIN BY REFERENCE, DO NOT REGISTER ANACCOUNT OR ACCESS OR USE THE SERVICES.

1. Scope of Services
1.1. Zero Hash Services. The Zero Hash Services may be made available to you via a third-party

desktop, mobile, or web application or via the Zero Hash web portal or API, as the case may be.
The method through which this Agreement is made available to you, either via a third party or
directly from Zero Hash, shall dictate the terms applicable to you as noted below.

By registering an Account with Zero Hash either through the Platform (as defined below) or with
Zero Hash directly, you will be able to:(i)purchase and sell cryptocurrencies (a/k/a “virtual currency,” “digital currency,” “digital asset,”and “digital commodity” as defined in Section 8.1 below) in exchange for fiat currencies(“Cryptocurrency Transactions”) through the Interactive Brokers LLC (“Business”) desktop ormobile application(s) or website(s) (the “Platform”) or through Zero Hash web portal, as thecase may be;(ii) direct Zero Hash to send cryptocurrency from your available Account balance to other
Business and Zero Hash joint customers (a “P2P Transaction” as further described below);(iii) where applicable, receive from Business promotional and marketing cryptocurrency rewards
or awards (as further described below);(iv) store cryptocurrency in one or more Hosted Wallets (as defined below in Section 10.1);(v) track your Cryptocurrency Transactions, P2P Transactions, and Hosted Wallet balance(s)through the Platform or through the Zero Hash System (as defined below), as applicable;(vi) if available to you through the Platform, or otherwise, receive certain tax reports for certain
taxable transactions (“Tax Reporting Services” as further described below);(vii) if available to you (A) through the Platform, and (B) in your jurisdiction, “stake” certain
cryptocurrencies in a third-party proof-of-stake network (“Staking Services” as further
described below);(viii) if available to you through the Platform, view the sum of all transaction obligations due(“Settlement Services” as further described below); and(ix) if permitted by the Platform or Zero Hash System, deposit and withdraw supported fiat

currencies and cryptocurrencies to and/or from your Account’s Hosted Wallet(s) (withSections 1.1(i) - (ix) collectively being the “Zero Hash Services” or “Services” herein).

1.1.1.

Zero Hash System Access. As used herein, “Zero Hash System” refers to the interface
through which certain participants can fund their Account, track movements ofcryptocurrencies and fiat currencies into and out of their Hosted Wallet(s), and request
withdrawals. You may only access the Zero Hash System if Zero Hash has expressly agreed
in writing to provide you such access. In this case, Zero Hash will provide you with Login
Credentials (as defined below) to allow you to directly access the Zero Hash System. If suchaccess is not applicable to you (that is, if you have not engaged in discussions directly with
Zero Hash regarding such Zero Hash System access), you will access and use Services only
through the Platform.

1.1.2.

P2P Transactions. Where applicable, Zero Hash may accept P2P Transactions entered by
you through the Platform, provided that such P2P Transactions are supported by the
Platform. By placing a P2P Transaction through the Platform, you are instructing Zero Hash
to transfer any specific cryptocurrency held in your Account to another Zero Hash accountholder. You may only transfer cryptocurrency from your available Account balance asdisplayed to you through the Platform. P2P Transactions take place off chain and are notbroadcast to an associated blockchain or network and, therefore, will not be reflected on
any public ledger. P2P Transactions are only allowed between eligible Zero Hash accounts.
Any attempt to send cryptocurrency to an ineligible account will be voided. We reserve theright to charge fees for any P2P Transaction, provided that such fees are disclosed to you in
advance of any P2P Transaction. We may, in our sole discretion, place transaction limits on
P2P Transactions or reject, for any reason, any P2P Transaction placed by you through the
Platform. You are responsible for entering accurate instructions through the Platform for
any P2P Transaction. P2P Transaction orders may be placed only in those cryptocurrencies
as permitted on the Platform. Any representation of a P2P Transaction in a supported fiat
currency will be based on the then available exchange rate, but any such representation insuch fiat currency is not a guarantee or promise as to the value of cryptocurrency that willbe transferred. The value of cryptocurrencies can fluctuate rapidly, and we do not guarantee
the relevant quoted fiat currency value of any P2P transaction. Cryptocurrencies received
by you as a result of any P2P Transaction may lose value, and we will not be responsible forguaranteeing the value of any cryptocurrency received in or held in your Account.

1.1.3.

Settlement Services. In support of trading that may occur on an exchange, matchingmechanism or matching platform, a request-for-quote system, a brokerage network, or any
combination of the foregoing (through which participants may enter into transactions forcryptocurrencies), Zero Hash may function as a calculation agent, acting in good faith and in
a commercially reasonable manner to make determinations relating to any adjustments,
obligations, disruptions, valuations, and settlements that occur throughout the duration ofa transaction for cryptocurrencies. By placing an order through the Platform or through the
Zero Hash System, you are buying or selling cryptocurrency from and to other Zero Hash
users, which may include, but is not limited to, ZHLS, the Platform, or liquidity providers.
Zero Hash shall calculate the transaction obligations due under open Cryptocurrency
Transactions using any of the following information:(i) index values published by Zero Hash;(ii) published settlement price data provided by any liquidity provider(s) or, if applicable,

the Platform; and(iii) Cryptocurrency Transaction information provided by any liquidity provider(s) or, if
applicable, the Platform.
Where applicable, Zero Hash will display transaction obligations owed by or to you via either
the Platform or via the Zero Hash System.

1.1.4.

Rewards/Awards Transactions. Any cryptocurrency-denominated rewards or awards as aresult of your credit card, debit card, or other spending activities or as a result of any
promotional offerings provided by Business to you are strictly governed by the Business’terms and conditions governing such rewards, awards, or promotional offering(“Reward/Awards Transaction”). You acknowledge that any reward and/or awards
transactions that are delivered to your Account is the result of an instruction from youdelivered through the Platform to Zero Hash. Any reversals related to previously disbursed
rewards and/or awards shall be governed by the relevant Business terms and conditions towhich you agreed in order to participate in such reward and/or award program offered byBusiness.

1.1.5.

Tax Reporting Services. You understand and agree that, unless required by Applicable Law(defined below), Zero Hash is not required to prepare or send to you any tax forms or reports

related to your activity on or through Zero Hash. You are solely responsible for reporting
any taxable gains to the appropriate authority.

1.1.6.

The Platform may, but is not required to, give you the option to receive certain tax forms
from Zero Hash for reportable transactions that were affected in your Account by you or, if
applicable, pursuant to an agreement between you and Business (for example,
Reward/Award Transactions). Such reportable transactions include, but are not limited to,
Cryptocurrency Transactions, Rewards/Awards Transactions, staking rewards, or any othertransactions considered reportable for U.S. tax purposes. The type of tax form you receive
will depend on the jurisdiction in which you are located as well as the types of transactions
that occur in your Account. You understand that the accuracy of any tax form provided to
you by Zero Hash depends on the accuracy of applicable Background Information (as defined
below) provided by Business to Zero Hash for us to provide you with Tax Reporting Services.
Zero Hash shall not be liable or responsible for the accuracy of any information provided toyou on any tax form you receive from Zero Hash through the Tax Reporting Services. You
further understand that you are solely and ultimately responsible for determining,
reporting, and paying any tax liability incurred by your activity within your Account. It isyour responsibility to ensure that your contact information and Background Information isaccurate and up to date.

1.1.7.

Staking Services. The Platform or Zero Hash System, as applicable, may give you the option
to “stake” certain cryptocurrencies deposited to your Hosted Wallets and represented inyour Account to a third-party proof-of-stake network. If given the option, you will be able
to instruct Zero Hash, through the Platform or the Zero Hash System, as applicable, to“stake” and “unstake” certain eligible cryptocurrencies on your behalf via Staking Services
provided by either Zero Hash directly or a third-party validator node provider. You
understand and acknowledge that Zero Hash will not exercise any discretion over yourcryptocurrencies with respect to the staking of unstaked cryptocurrencies or the unstaking
of staked cryptocurrencies.
If you instruct Zero Hash through the Platform or through the Zero Hash System, as
applicable, to stake eligible cryptocurrencies in your Account, Zero Hash will facilitate thestaking of those assets on your behalf by acting as, or contracting with a third-party to act
on Zero Hash’s behalf as, a transaction validator on the applicable proof-of-stake network.
If such transaction validator validates a block of transactions on the applicable network, you
may earn a reward granted by the network (“Staking Reward”).
The Staking Reward amount is determined by the protocols of the applicable network. Zero
Hash will distribute any Staking Reward to your Account after receipt by Zero Hash minus a
Staking Services fee, which shall be determined by Zero Hash on an asset-by-asset basis,
retained by Zero Hash.
You have no right to any Staking Reward until it is received by Zero Hash. ZERO HASH DOESNOT GUARANTEE THAT YOU WILL RECEIVE STAKING REWARDS, ANY SPECIFIC STAKINGREWARD, OR ANY STAKING RETURN OVER TIME, INCLUDING ANY STAKING REWARD RATETHAT MAY BE PROVIDED TO YOU THROUGH THE PLATFORM OR THROUGH THE ZERO HASHSYSTEM, AS APPLICABLE.

Where applicable, you may be able to receive Staking Services from Zero Hash through the
Zero Hash System; provided, however, Zero Hash has so agreed to such an arrangement.

1.2. ZHLS Liquidity Services. By placing a request to engage in a Cryptocurrency Transaction (an“Order”) either through the Platform or through the Zero Hash System, you may be engaging in
a Cryptocurrency Transaction with ZHLS, an affiliate of Zero Hash. In such case, you agree that
ZHLS may:(i)offer price quotes as further outlined in Section 9.1 for Cryptocurrency Transactions andOrder information either through the Platform or through the Zero Hash System, as
applicable;(ii) purchase cryptocurrency from you pursuant to your Order (either placed through the
Platform or through the Zero Hash System) at the quoted price provided by ZHLS and in theamount specified in your Order; and(iii) sell cryptocurrency to you pursuant to your Order (either placed through the Platform or
through the Zero Hash System) at the quoted price provided by ZHLS and in the amountspecified in your Order (with Sections 1.2(i)-(iii) collectively being the “Liquidity Services”).
ZHLS, at its sole discretion, may add a spread (i.e., a price premium) to each Cryptocurrency
Transaction executed by you on the Platform or through the Zero Hash System and the execution
price is not meant to imply the “market price.”
The Liquidity Services and the Zero Hash Services are collectively referred to herein as the“Services.”
IF ACCESSING ANY SERVICES THROUGH THE PLATFORM, YOU UNDERSTAND AND AGREE THAT THE
SCOPE OF SERVICES MADE AVAILABLE TO YOU ARE LIMITED TO THOSE OFFERED, OR MADE AVAILABLE,TO YOU THROUGH THE PLATFORM.

2. Modifications to this User Agreement. We reserve the right to make changes to this User Agreement
at any time and at our sole discretion. If we make changes, we will post the amended User Agreement
to the Platform or provide the amended User Agreement directly to you via the Zero Hash System, as
applicable, and update the “Last Updated” date above. We may also attempt to, but are not obligatedto, notify you by sending an email notice to the address associated with your Account or by providing
notice through the Platform or through the Zero Hash System. The foregoing sentence shall not apply
to the extent that prior notice is required by local law, in which case we will notify you of any changes
to this User Agreement via email and the Platform or the Zero Hash System. Using a particular formof notice in some instances does not obligate us to use the same form in other instances. Unless wesay otherwise in our notice, the amended User Agreement will be effective immediately and will apply
to any then current and subsequent uses of the Services, including any pending Cryptocurrency
Transactions. You are responsible for reviewing this User Agreement each time you access or use our
Services. Your continued access to and use of your Account and/or the Services after we provide
notice will constitute your acceptance of the changes. If you do not agree to any of the amended
terms and conditions, you must stop accessing and using the Services and close your Account
immediately. Please note, if you are located in New York, you have the right under New York law toreceive prior notice of any changes to this User Agreement.

3. Eligibility
3.1. General Requirements
3.1.1.

Individuals. To register an Account or use the Services, you must be an individual at least
eighteen (18) years of age and have the legal capacity to enter into this User Agreement(“Individual”). You further represent that you have not previously been suspended or
removed from use of the Services. In addition, where applicable, you must have an accountin good standing with Business (“Business Account”) if you are registering for an Accountthrough the Platform.

3.1.2.

Entities. To register an Account or use the Services, you must be an entity duly formed andlegally authorized to operate in the jurisdiction of your formation (“Entity”). If you areregistering to use the Zero Hash Services on behalf of a legal entity, you represent andwarrant that (i) such legal entity is duly organized and validly existing under the Applicable
Laws of the jurisdiction of its organization; and (ii) you are duly authorized by such legal
entity to act on its behalf. You further represent and warrant that: (a) you are at least 18
years if age, (b) have not previously been suspended or removed from using the Zero Hash
Services, and (c) have all powers and authority necessary to enter this agreement and indoing so will not violate any other agreement to which you are a party. Zero Hash is not
responsible or liable for relying on the representations of your agents, employees,
contractors, attorneys, financial advisors, or any other person Zero Hash reasonably believes
represents you in the acceptance of this User Agreement or in the acceptance of any other
instruction through the Platform or through the Zero Hash System.

3.2. Permitted U.S. Jurisdictions.

You may only register an Account or use the Services if you, if
registering as an Individual, reside in or, if registering as an Entity, are organized and operate in,any state, district, or territory in which Zero Hash is authorized to provide Services (“Permitted
U.S. Jurisdictions”). A current list of Permitted US Jurisdictions, which is incorporated byreference, is available here and is subject to change at any time. Any updates to Permitted U.S.
Jurisdictions shall be updated at the link above. If the link above is down, search “US
Jurisdictions”
athttps://zerohash.zendesk.com/hc/en-us
orcontact
usat
support@zerohash.com before using the Services enumerated in this User Agreement.

3.3. Restricted Foreign Jurisdictions. You may not register an Account or access or use the Services

if you are located or organized in, under the control of, or a citizen or resident of any state,country, territory, or other jurisdiction to which the United States has embargoed goods orservices, or where your use of the Services would be illegal or otherwise violate any Applicable
Law of such jurisdiction or of the United States, including any sanctioned country as listed by the
U.S. Treasury Department’s Office of Foreign Assets Control (“Restricted Jurisdiction”). We may
implement controls to restrict access to the Services from any Restricted Jurisdiction, including
withholding the ability to withdraw assets as reasonably required by law or regulation. You
hereby represent and warrant that you are not under the control of, or a citizen or resident of,
any Restricted Jurisdiction and that you will not access or use any Services while located in any
Restricted Jurisdiction, even if our methods to prevent access to and use of the Services fromthese jurisdictions are not effective or can be bypassed.

3.4. Restricted Persons and Activity. You hereby represent and warrant that you have not been

identified as, and/or are not owned or controlled by, a Specially Designated National, nor haveyou or any beneficial owner or controlling person, if applicable, of you been placed on any
sanctions list by the U.S. Treasury Department’s Office of Foreign Assets Control, the U.S.
Commerce Department, or the U.S. Department of State (a “Prohibited Person”). You further
hereby represent and warrant that you will not use our Services if you or any beneficial owneror controlling person of you are at any time hereafter designated a Prohibited Person or to
conduct any illegal or illicit activity.

3.5. Services and Your Location. You understand and agree that the Services made available to you

may be limited depending on the Jurisdiction you are accessing the Services from, and Zero Hashreserves the right to restrict the Services made available to you based on your location. You
further understand and agree that the Services may be limited or terminated if you are locatedin or move to a jurisdiction that is not supported by Zero Hash. Zero Hash shall not be liable toyou for any claims relating to the limitation of the Services based on your location or terminationof Service resulting from your access of the Service from an unsupported jurisdiction. You shallhold Zero Hash harmless for any actions taken by Zero Hash resulting from your moving to a new
jurisdiction or accessing the Services from an unsupported jurisdiction.

4. Account Registration
4.1. Information Required to Open Account4.1.1.

Personal Information. During the Account registration process for individuals, you must
provide the Platform, Zero Hash, and ZHLS if applicable, with information anddocumentation that we request for the purpose of establishing and verifying your identity(“Personal Information”). In addition, as a condition to accessing and using the Services,
you must authorize Business, if applicable, to share your Personal Information with Zero
Hash and ZHLS pursuant to the mandatory Cryptocurrency Platform Agreement,
incorporated herein by reference. Personal Information may include, but is not limited to,your name, email address, residential address, phone number, date of birth, investment
experience, financial condition and taxpayer identification number. Personal Information
may also include documentation, such as copies of your government-issued photo
identification (for example, your passport, driver’s license, or military identification card),
account statements, and other documents as Zero Hash may require. Personal Information
will be retained by us at our discretion and may be made available to any governmental
authority or self-regulatory organization upon reasonable request in accordance with
Applicable Laws. You agree to provide accurate, current, and complete Personal
Information.

4.1.2.

Entity Information. During the Account registration process for entities, you must provide
the Platform and/or Zero Hash with information and documentation that we request for the
purpose of establishing and verifying your entity information (“Entity Information”). In
addition, as a condition to accessing and using the Services, you must authorize Business (ifapplicable) to share your Entity Information with Zero Hash and ZHLS pursuant to the, if
applicable, Cryptocurrency Platform Agreement, incorporated herein by reference. Entity

Information may include, but is not limited to, the name, email address, phone number,date of birth, and taxpayer identification number of each of your beneficial owners orcontrolling persons, in addition to your Employer Identification Number and incorporation
documents, letters of good standing, or other corporate information and documentation as
applicable and requested by us. Entity Information will be retained by us at our discretionand may be made available to any governmental authority or self-regulatory organization
upon reasonable request in accordance with Applicable Laws. You agree to provide
accurate, current, and complete Entity Information.
Herein, Personal Information and Entity Information shall collectively be referred to as“Background Information”.

4.2. Verification. You hereby authorize Zero Hash, or a third-party service provider that wedesignate, to take any measures that we consider necessary to confirm and continue to maintainconfirmation on an ongoing basis the Background Information you provide, verify andauthenticate your Background Information, and take any action Zero Hash deems necessary
based on the results. You acknowledge that this process may result in a delay in registering yourAccount, and that you will not be authorized to access or use the Services until your Accountregistration has been successfully completed.

5. Account Authorizations
5.1. Authorization to Zero Hash. You understand and acknowledge that your Account is self-

directed, and you hereby appoint Zero Hash as your agent for the purpose of carrying out yourinstructions you place on the Platform or through the Zero Hash System in accordance with thisUser Agreement. You agree that Zero Hash may rely on your instructions placed on the Platformor through the Zero Hash System, and Zero Hash and ZHLS shall not be liable for relying on andexecuting on such instructions. You hereby authorize Zero Hash to open and close your Account,restrict access to the Zero Hash System, settle and cancel orders to purchase and sell
cryptocurrency (“Orders”), collect and offset any fees or other amounts due to Zero Hash, andtake such other steps as are reasonable to carry out your instructions.

5.2. Authorization to Fund Cryptocurrency Transactions. You understand and acknowledge thatwhen you submit an Order to purchase cryptocurrency through the Platform, you are authorizing
and instructing Zero Hash to instruct the institution with which you custody your fiat funds
pursuant to your Cryptocurrency Platform Agreement (or in the case of Business, its banking
partner) (“Custody Firm”) to transfer the funds required to fill the Order from your BusinessAccount to Zero Hash. You understand and acknowledge that your Account is provided by Zero
Hash and is separate from your Business Account. You further understand and acknowledge thatneither Zero Hash nor ZHLS are under the control of Business or Custody Firm. You further
understand and acknowledge that your Zero Hash Account is outside of Business’s possession
and control, and that Business does not have the ability to monitor or recall the funds after suchfunds have been wired or transferred to Zero Hash. You further understand and acknowledge
that, upon transfer from your Business Account or any other account where you hold fiat funds,
the fiat funds will not be provided protection under the Securities Investor Protection
Corporation (“SIPC”), nor will they be provided protection under the Federal Deposit Insurance
Corporation (“FDIC”). NEITHER ZERO HASH OR ANY OF ITS AFFILIATES ARE FDIC-INSUREDBANKS OR SIPC-MEMBER BROKERAGE FIRMS. ACCORDINGLY, YOUR CRYPTOCURRENCY ALSOIS NOT PROTECTED UNDER THE SIPC OR THE FDIC AND MAY LOSE VALUE. FIAT FUNDS HELD BY
ZERO HASH ON YOUR BEHALF WILL BE HELD AT CUSTOMERS BANK, BMO HARRIS BANK N.A.,
OR LEAD BANK, EACH OF WHICH IS AN FDIC-INSURED BANK. You understand and acknowledge
that cryptocurrencies in your Zero Hash Account are not held at Business or Custody Firm andthat Business and Custody Firm only take instructions regarding transferring funds as describedin the mandatory Cryptocurrency Platform Agreement (if applicable).

5.3. Authorization to Share Information with Business. If you are registering an Account throughthe Platform, you hereby authorize us to provide Business and/or an applicable third-party (asdiscussed below) any of your Background Information, and to continue sharing such information,
and any revisions or additions thereto, with Business and/or the applicable third-party on an
ongoing basis until your account(s) with Business is/are closed pursuant to the terms andconditions governing such account(s). However, we may retain all Account information, including
Account activity and Background Information, as required by this User Agreement and law andmay share such information with a: (i) governmental authority or other third-party in accordancewith any subpoena, regulatory request, court order, Applicable Law, or other legal requirement;and (ii) third-party in order to verify the Background Information in accordance with Section 4
above. For further information on how we use or share your Background Information and otherinformation you provide us during your use of the Services, see the Zero Hash Privacy Policy
discussed in Section 12 below.

6. Account Management
6.1. Account Access. You will access your Account either: (i) through the Platform by using yourusername and password connected to your Business Account; or (ii) through the Zero Hash
System using your Zero Hash provided username and password connected to your Account(collectively, your “Login Credentials”). You may only access your Account using your Login
Credentials, or as may be authorized or required by both Zero Hash and Business (as applicable).
From time to time, Zero Hash or Business (as applicable) may require you to change your Login
Credentials and re-verify your Background Information at their discretion and as a condition to
your continued access to and use of your Account and the Services. You hereby represent andwarrant that you will not share your Login Credentials with any third-party or permit any thirdparty to gain access to your Account; and you hereby assume responsibility, to the extent
permitted by Applicable Law, for any instructions, Orders, or actions provided or taken by anyone
who has accessed your Account regardless of whether the access was authorized or
unauthorized.

6.2. Account Maintenance. You are required to keep the information associated with your Account(“Account Profile”) updated at all times, and you agree to update your Account Profile
immediately upon any changes to Background Information that you previously provided. YOU
UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE OR FORMATION MAY IMPACT
YOUR ELIGIBILITY TO ACCESS AND USE THE SERVICES, AND HEREBY AGREE TO NOTIFY US IN
ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE OR FORMATION. PLEASE REFER TO
OUR LIST OF PERMITTED US JURISDICTIONS IN SECTION 3.2 ABOVE.

As part of our legal compliance program (“AML Program”), we will monitor your Account andyour use of the Services, and review your Background Information and any transaction related
activity on an ongoing basis, as may be required by law and/or pursuant to our internal policies
and procedures. At any time, we may require you to provide us with additional Background
Information, or any other information reasonably requested, as a condition to your continued
access to and use of your Account and the Services. During such time, your access to and use ofyour Account and the Services may be temporarily restricted.

6.3. Account Security. You are solely responsible for managing and maintaining the security of your

Login Credentials and any other forms of authentication, and you understand and acknowledge
that, to the extent permitted by Applicable Law, we are not responsible (and you will not hold us
responsible) for any unauthorized access to and or use of your Login Credentials and/or Account(“Unauthorized Access”). You understand and agree that you are solely responsible formaintaining the security of your Login Credentials by periodically updating your Login Credentials
and by keeping your Login Credentials and other forms of authentication confidential andseparate from each other. You agree to notify us as soon as you become aware of or suspect any
Unauthorized Access by emailing support@zerohash.com.

6.4. Unauthorized Account Activity. You are solely responsible for monitoring your Account forunauthorized or suspicious instructions, Orders, actions, or transactions (“Unauthorized
Activity”), and agree that we are not responsible (and you will not hold us responsible) for any
Unauthorized Activity, as permitted by Applicable Law. You acknowledge and agree that you aresolely responsible for any Order placed through your Account as a result of Unauthorized
Activity.

You agree to protect your Account from Unauthorized Activity by: (i) reviewing, on an ongoingbasis, your transaction history and your Account Profile; (ii) reviewing, immediately upon receipt,
any transaction receipts, confirmations and notices that we may provide through the Platform,
post to your Account or send to your email address associated with your Account; (iii) verifyingthat you received a confirmation from us and, if applicable, the Platform, that an Order or
instruction you provide is received, executed or canceled, as applicable; and (iv) in the event of
not having received any such confirmation, notifying us and, if applicable, the Platform, as soon
as possible.

6.5. Potentially Fraudulent Activity. Zero Hash and ZHLS maintain an Anti-Fraud Policy designed todetect and prevent fraud and to identify and assess fraud-related risk areas. In furtherance of
their Anti-Fraud Policy, Zero Hash and ZHLS shall monitor your use of your Account. Any actualor suspected Unauthorized Access and/or Unauthorized Activity will be treated by Zero Hash as
potentially fraudulent (“Potentially Fraudulent Activity”). You agree to notify us as soon as
possible if you become aware of or suspect any Potentially Fraudulent Activity by emailingsupport@zerohash.com. For the avoidance of doubt, you are deemed to be aware of Potentially
Fraudulent Activity upon receipt of any notice of the occurrence of such activity. Upon receipt of
written notice via email to support@zerohash.com from you of any Potentially Fraudulent
Activity, Zero Hash and Business (if applicable) will take reasonable and timely steps to protect
your Account, including, for example, by temporarily restricting access to your Account,suspending any pending Orders, and/or requiring you to change your Login Credentials.

You agree to promptly report any Potentially Fraudulent Activity to legal authorities and provide
us a copy of any report prepared by such legal authorities via support@zerohash.com. In theevent of an investigation of any Potentially Fraudulent Activity, you further agree to: (i) cooperate
fully with the legal authorities and Zero Hash in such investigation; (ii) complete any required
affidavits promptly, accurately and thoroughly; and (iii) allow Zero Hash, or any third-party
designated by us, access to your mobile device, computer, and network as may be relevant tosuch investigation. You understand and acknowledge that any failure to cooperate in any suchinvestigation may cause delays in regaining access to your Account and any funds, including
cryptocurrency held in your Hosted Wallet(s).

7. Disabling Your Account
7.1. Disabling Your Account. You may disable your Account at any time and for any reason unlessZero Hash believes, at our sole discretion, that such action is being performed in an effort toevade an investigation. Disabling an Account will not affect any rights or obligations incurredprior to the date of closure in accordance with this User Agreement. Prior to disabling yourAccount, you must liquidate any cryptocurrency balance(s) maintained in your Hosted Wallet(s)and reflected in your Account via the Platform or via the Zero Hash System, if applicable, theproceeds of which shall be transferred to your Business Account or as directed by you if you do
not have an applicable Business Account. You understand that requesting that Zero Hash disable
your Account shall not be interpreted as instructions to liquidate your Account. Instructions toliquidate must be placed through the Platform or through the Zero Hash System, and such
instructions are solely your responsibility.

You understand and acknowledge that you are solely responsible for any fees, costs, expenses,
charges or obligations (collectively, “Costs”) associated with the closing of your Account. In theevent any incurred Costs exceed the value of your Account, you understand and acknowledge
that you are responsible for reimbursing Zero Hash the value of such Costs and that you willremain liable to Zero Hash for all obligations incurred in your Account, pursuant to this User
Agreement, or otherwise, whether arising before or after the closure of your Account or thetermination of this User Agreement.
You understand and agree that Zero Hash will retain your Account information in accordancewith Applicable Law and regulatory obligations.

7.2. Account Suspension or Termination. By using the Services, you understand and acknowledge

that we have the right to immediately suspend or terminate your Account and/or freeze any
cryptocurrency balance(s) in your Hosted Wallet(s) without prior notice if: (i) we suspect, at oursole discretion, you to be in violation of any provision of this User Agreement, our AML Program,or any Applicable Laws or regulations, or that you present a risk to Zero Hash and/or ZHLS,
reputational or otherwise; (ii) we are required to do so by law or by any regulatory authority,
court order, facially valid subpoena, or binding order of a government authority; (iii) we suspect
any suspicious or Unauthorized Activity or any actual or attempted Unauthorized Access to yourAccount or Login Credentials; (iv) your Business Account has been suspended or terminated or
you no longer have access to the Platform (if applicable); or (v) the Account has not beenaccessed in two (2) years or more. You agree that Zero Hash may surrender any unclaimed or
abandoned fiat currency or cryptocurrencies held on your behalf in accordance with each state’s
escheatment requirements (a/k/a abandoned property laws).

If your Account has been suspended or terminated, you will be notified at the point of login to
the Platform or the Zero Hash System when you attempt to access the Services. We may, at oursole discretion and as permitted by law, provide written notice that your Account has beensuspended or terminated.
Upon termination of your Account, unless prohibited by law, we may, at our sole discretion,liquidate any remaining cryptocurrency balance(s) in your Hosted Wallet(s) and return any
proceeds, less any Costs, to your Business Account or as directed by you if you do not have anapplicable Business Account. In the event your Account is terminated, you hereby authorize Zero
Hash to sell any such remaining cryptocurrency balance(s) in your Hosted Wallet(s) at theprevailing market price(s), and transfer the proceeds to your Business Account or as directed by
you if you do not have an applicable Business Account, less any Costs associated with such sale(s),the Account, and its termination.

8. Cryptocurrencies
8.1. Definition. As used herein, “cryptocurrency” (also may be referred herein as “virtual currency,”“digital currency,” “digital asset,” and “digital commodity”) means a digital representation ofvalue which is based on a cryptographic protocol that can be digitally traded and may function
as: (i) a medium of exchange; (ii) a unit of account; and/or (iii) a store of value which is not legal
tender, whether or not denominated in legal tender. The term “cryptocurrency”, or any otheralternative as used herein, does not include: (x) software or a protocol governing transfer of thedigital representation of value; (y) a transaction in which a merchant grants value as part of anaffinity or rewards program, which value cannot be taken from or exchanged with the merchantfor cash or bank credit; or (z) a digital representation of value used exclusively within an online
game or game platform. Cryptocurrency is distinguished from “fiat currency” (such as U.S.
dollars), which is the coin and paper money of a country that is designated as its legal tender.
Cryptocurrency is not legal tender and is not backed by the United States government. For more
information, please refer to the FATF Report, Virtual Currencies, Key Definitions and Potential
AML/CFT Risks, FINANCIAL ACTION TASK FORCE (June 2014), available here.

8.2. Supported Cryptocurrencies. A list of cryptocurrencies that Zero Hash currently supports isavailable via the Platform or the Zero Hash System, as applicable. Zero Hash may delist a
cryptocurrency, at any time and for any reason at our sole discretion, including but not limited
to changes in a given cryptocurrency’s characteristics or due to a change in the cryptocurrency’s
regulatory classification.

8.3. Network Control. Zero Hash does not own or control any of the underlying software throughwhich blockchain networks are formed and cryptocurrencies are created and transacted. In
general, the underlying software for blockchain networks tends to be open source such thatanyone can use, copy, modify, and distribute it. By using the Services, you understand andacknowledge that Zero Hash is not responsible for the operation of the underlying software andnetworks that support cryptocurrencies and that Zero Hash makes no guarantee of functionality,
security, or availability of such software and networks.

8.4. Forks and Airdropped Digital Assets. The underlying blockchain protocols are subject to suddenchanges in operating rules, resulting in a permanent change in the consensus algorithm resulting
from the creation of a new blockchain, which can be significantly different from the original
blockchain (a “Fork”) and implement changes in operating rules or other features that may resultin more than one version of a network (each, a “Forked Network”) and more than one version
of a cryptocurrency (“Forked Assets”). In addition, operators of blockchain networks, and otherinterested parties, may offer or issue cryptocurrency based on existing ownership or otherfactors, the issuance of which may be characterized as an interest, dividend, or “airdrop”(collectively, “Airdropped Digital Assets”).

You understand and acknowledge that Forked Networks and the available supply of any Forked
Assets and Airdropped Digital Assets are wholly outside of the control of Zero Hash, and you
further acknowledge that our ability to deliver Forked Assets resulting from a Forked Networkand our ability to deliver Airdropped Digital Assets may depend on third-parties that are outsideof our control and/or Zero Hash may choose to not support such Forked Assets or Airdropped
Digital Assets. You understand and acknowledge that Forks and the issuance of Airdropped
Digital Assets may materially affect the value, function, and/or even the name of thecryptocurrencies you store in your Hosted Wallet(s). In the event of a Fork, you understand andacknowledge that Zero Hash may temporarily suspend the Services (with or without advancenotice to you unless required by law) while we determine, at our sole discretion, which, if any,
Forked Network(s) to support. More information on how Zero Hash treats Forks and Airdrops
may be found here.
YOU ACKNOWLEDGE AND HEREBY AGREE THAT ZERO HASH MAY DETERMINE, IN OUR SOLEDISCRETION, NOT TO SUPPORT A FORKED NETWORK OR THE DISTRIBUTION OF AIRDROPPEDDIGITAL ASSETS AND THAT YOU HAVE NO RIGHT, CLAIM, OR OTHER PRIVILEGE TO FORKEDASSETS ON SUCH UNSUPPORTED FORKED NETWORK OR SUCH UNSUPPORTED DISTRIBUTION OF
AIRDROPPED DIGITAL ASSETS. YOU HEREBY FURTHER AGREE THAT ZERO HASH MAY, IN OUR
SOLE DISCRETION, DETERMINE THE APPROACH TO SUCH FORKED ASSETS AND ANY
DISTRIBUTION OF AIRDROPPED DIGITAL ASSETS, WHICH MAY INCLUDE ABANDONING OR
OTHERWISE ELECTING NOT TO SUPPORT SUCH FORKED ASSETS AND THE DISTRIBUTION OF
AIRDROPPED DIGITAL ASSETS AS PART OF THE SERVICES. YOU UNDERSTAND AND HEREBYACKNOWLEDGE THAT ZERO HASH IS UNLIKELY TO SUPPORT MOST FORKED NETWORKS AND THE
DISTRIBUTION OF AIRDROPPED DIGITAL ASSETS AND THAT MOST FORKED ASSETS AND
AIRDROPPED DIGITAL ASSETS WILL LIKELY NOT BE MADE AVAILABLE TO YOU. YOU
ACKNOWLEDGE THAT ZERO HASH MAY CHANGE THE CRYPTOCURRENCIES THAT IT SUPPORTS
FROM TIME TO TIME. ZERO HASH DISCLAIMS ANY LIABILITY FOR ANY ATTEMPT BY YOU TO USE
THE SERVICES FOR CRYPTOCURRENCIES THAT ZERO HASH DOES NOT SUPPORT OR NO LONGER
SUPPORTS.

8.5. Risks. There are several risks associated with cryptocurrencies, cryptocurrency trading, andstaking cryptocurrencies. Before using the Services, you should ensure that you have read andunderstand the below risks, and by accessing and using the Services, you hereby represent andwarrant that you have read and understand the following risk disclosures. Please note that thisis not an exhaustive list of all risks associated with cryptocurrencies and the Services.

8.5.1.

Cryptocurrency Risks.

8.5.1.1. Unique Features of Cryptocurrencies. Cryptocurrencies are not legal tender in the UnitedStates, are not backed by the United States government, have no intrinsic value, and are
not subject to FDIC or SIPC protections. The price of cryptocurrencies is based on theagreement of the parties at the time of any given transaction, which may or may not bebased on the market value of the cryptocurrency at the time of the transaction. The valueof a cryptocurrency may be derived from the continued willingness of market participants
to exchange fiat currency for cryptocurrency, which may result in the potential forpermanent and total loss of a value of a particular cryptocurrency should the market forthat cryptocurrency disappear. Accordingly, the nature of cryptocurrency means that
there is no assurance that: (i) a market participant who accepts a cryptocurrency as
payment today will continue to do so in the future; (ii) a market participant’s
cryptocurrency losses will be afforded any kind of a legal protection, such protection
which may be limited to private insurance, bonds, or trust accounts (if available); and (iii)a bond or trust account maintained by Zero Hash or ZHLS, or an exchange, intermediary,custodian, or vendor (if any), for your benefit will be sufficient to cover all losses incurredby market participants.

8.5.1.2. Price Volatility. You understand that the value of any cryptocurrency, including assets

pegged to, or designed to track the value of, fiat currency, commodities, or any otherasset, may go to zero. The price of a cryptocurrency is based on the perceived value ofthe cryptocurrency and subject to changes in sentiment, which make these products
highly volatile. Cryptocurrencies that are pegged to the price or value of any other asset,
including fiat currency, are not guaranteed to remain pegged to that asset’s or fiat
currency’s value. Certain cryptocurrencies, including those pegged to any other asset’s or
fiat currency’s value, have experienced daily price volatility of more than 25% and may beconsiderably higher. As such, the volatility and unpredictability of the price of
cryptocurrency relative to the price of fiat currency may result in significant loss over ashort period of time. You understand that we are not liable for price fluctuations in any
cryptocurrency listed or Cryptocurrency Transaction executed on the Platform.

8.5.1.3. Valuation and Liquidity. Cryptocurrencies can be traded through privately negotiatedtransactions and through numerous cryptocurrency exchanges and intermediaries
around the world, each with its own pricing mechanism and/or order book. The lack of acentralized pricing source poses a variety of valuation challenges. In addition, thedispersed liquidity may pose challenges for market participants trying to exit a position,
particularly during periods of stress. Such characteristics of the cryptocurrency markets
may result in canceled or partially filled cryptocurrency Orders.

ZHLS, at its sole discretion, may add a spread (i.e., a price premium) to each
Cryptocurrency Transaction executed by you on the Platform or through the Zero Hash
System and the execution price is not meant to imply the “market price.”

8.5.1.4. Cybersecurity. The nature of cryptocurrency may lead to an increased risk of fraud (asoutlined in Section 8.5.2.3 below) or cyber attacks. The cybersecurity risks ofcryptocurrencies and related “wallets” or spot exchanges include hacking vulnerabilities
and a risk that publicly distributed ledgers may not be immutable, which may include, but
is not limited to, 51% attacks. A 51% attack refers to an attack on a blockchain by a group,or coalition of groups acting in concert, controlling more than 50% of the network's
mining hash rate or computing power which may cause a substantial change in theunderlying protocol and/or cause significant market disruption. A cybersecurity event
could result in a substantial, immediate and irreversible loss for market participants that
trade cryptocurrencies. Even a minor cybersecurity event in a cryptocurrency is likely toresult in downward price pressure on that product and potentially other cryptocurrencies.

8.5.1.5. Opaque Spot Market. Cryptocurrency balances are generally maintained as an addresson the blockchain and are accessed through Private Keys (defined below), which may beheld by a market participant or a custodian. Although cryptocurrency transactions can be
publicly available on a blockchain or distributed ledger, the public address does not
identify the controller, owner or holder of the Private Key. Unlike bank and BusinessAccounts, cryptocurrency exchanges and custodians that hold cryptocurrencies do notalways identify the owner. The opaque underlying or spot market poses asset verification
challenges for market participants, regulators and auditors and gives rise to an increased
risk of manipulation and fraud, including the potential for Ponzi schemes, bucket shops
and pump and dump schemes, which may undermine market confidence in a
cryptocurrency and negatively impact its price. These unique risks mean that transactions
in cryptocurrencies may be irreversible, and, accordingly, losses due to fraudulent or
accidental transactions may not be recoverable.

8.5.1.6. Cryptocurrency Exchanges, Intermediaries and Custodians. Cryptocurrency exchanges,

in general globally, as well as other intermediaries, custodians and vendors used tofacilitate cryptocurrency transactions, are relatively new and largely unregulated in boththe United States and many foreign jurisdictions. The opaque underlying spot market andlack of regulatory oversight creates a risk that a cryptocurrency exchange may not holdsufficient cryptocurrencies and funds to satisfy its obligations and that such deficiency
may not be easily identified or discovered. In addition, many cryptocurrency exchanges
have experienced significant outages, downtime and transaction processing delays, flash
crashes, and may have a higher level of operational risk than regulated futures or
securities exchanges. Outages, regardless of severity or length of downtime or delays,
can negatively impact cryptocurrency markets and prices. Thus, the nature of
cryptocurrency means that technological difficulties experienced by exchanges,
intermediaries, custodians, and vendors may prevent access or use of a market
particpant’s cryptocurrency at any given time.

8.5.1.7. Regulatory Landscape.

Cryptocurrencies currently face an uncertain regulatory
landscape in the United States and many foreign jurisdictions. In the United States,
cryptocurrencies may be regulated by one or more state regulatory bodies. In addition,
many cryptocurrency derivatives are regulated by the Commodities and Futures Trading
Commission, and the Securities and Exchange Commission has cautioned that initial coinofferings and certain cryptocurrencies are likely to fall within the definition of a security
and subject to U.S. securities laws. One or more jurisdictions at the state, federal, orinternational level may, in the future, adopt laws, regulations or directives that adversely
affect the use, transfer, exchange, and value of cryptocurrencies, their networks, andtheir users. Such laws, regulations or directives may impact the price of cryptocurrencies
and their acceptance by users, merchants and service providers.

8.5.1.8. Technology.

The relatively new and rapidly evolving technology underlying
cryptocurrencies introduces unique risks. For example, a unique Private Key is required
to access, use or transfer a cryptocurrency on a blockchain or distributed ledger. The loss,
theft or destruction of a Private Key may result in an irreversible loss. In addition, somecryptocurrency transactions are deemed made when recorded on a public ledger orblockchain, which is not necessarily the date or time that a market participant initiates atransaction. The ability to participate in Forks could also have implications for investors.
For example, a market participant holding a cryptocurrency position through acryptocurrency exchange may be adversely impacted if the exchange does not allow its
customers to participate in a Fork that creates a new product.

8.5.1.9. Transaction Fees. Many cryptocurrencies allow market participants to offer miners (i.e.,

parties that process transactions and record them on a blockchain or distributed ledger)a fee. While not always mandatory, a fee is generally necessary to ensure that atransaction is promptly recorded on a blockchain or distributed ledger. The amounts ofthese fees are subject to market forces and it is possible that the fees could increase
substantially from the estimated fees displayed to you through the Platform or Zero Hashsystem, as applicable. In addition, cryptocurrency exchanges, wallet providers and othercustodians, including Zero Hash, may charge high fees relative to custodians in manyother financial markets. Zero Hash is under no obligation to pass along network fees atcost.

8.5.2.

Cryptocurrency Staking. In addition to the risks associated with cryptocurrencies disclosed
above, which are equally applicable to staked assets, the staking of cryptocurrencies
involves the following additional risks:

8.5.2.1. Lockup Period. You understand and acknowledge that, once staked, your digital assets

may be required by the proof of stake network to be locked up for a certain period oftime, which may prevent you from being able to instruct Zero Hash to unstake such digitalassets on your behalf. You are responsible for researching and understanding any lockup
requirements or provisions associated with any proof of stake network before you direct
Zero Hash to stake your assets on your behalf.

8.5.2.2. No Investor or Deposit Insurance Protection. Cryptocurrency balances staked to a proofof-stake network will not be provided protections under the SIPC or the FDIC.

8.5.2.3. Fraud and Scams. On-chain cryptocurrency transactions are irreversible. Criminals may

attempt to exploit this feature of cryptocurrency transactions through various fraud andscam schemes. You should be wary of any third-party who contacts you and instructs thatyou deliver cryptocurrencies, credit card details, or Account details to them for any
purpose. Common schemes include fraudulent customer and technical support personnel
impersonating Zero Hash, ZHLS, Business, or any other third-party through which you holdan account, contacting you and asking for you to verify a credit card or account number.
These scammers may “spoof” legitimate phone numbers and may sound very convincing.
Zero Hash and ZHLS will never contact you to initiate a cryptocurrency transaction to any
external wallet address not provided by you through the Platform or Zero Hash System,

as applicable to your use of the Services. Scammers may also attempt to exploit social
media by offering illegitimate and fraudulent “crypto giveaways” or “investment
opportunities” that ultimately seek your Account login credentials or other private
information that can be used to compromise your Account. Additionally, criminals may
contact you via email in order to entice you to download a malicious attachment or toenter your Account login credentials to a spoofed webpage. You should never share yourAccount credentials or login information with anyone.

9. Cryptocurrency Transactions
9.1. Liquidity Providers. When you place an Order through the Platform or the Zero Hash System,

you are requesting to buy or sell cryptocurrency to and from other fully onboarded users of Zero
Hash. You understand and agree that some onboarded users, including ZHLS, engage incryptocurrency trading activities for profit. You understand and agree that we may, at our sole
discretion, use various intermediaries that quote both a buy and a sell price in cryptocurrency
held in their own inventory (“Liquidity Provider”) to source cryptocurrency for your Order(s) inorder to fulfill and settle such Orders. You understand and agree that Zero Hash may, at its sole
discretion, determine which Liquidity Provider acts as the buyer and/or seller of cryptocurrency
for any given Order placed by you through the Platform or the Zero Hash System.

9.2. Market Orders. Orders to purchase or sell cryptocurrency at the prevailing market price(“Market Orders”) are based on the prevailing market price at the time the Market Order is filled,which is determined by ZHLS, or any other applicable Liquidity Provider, using proprietary
methods, algorithms, processes, procedures and intermittent data (“Calculation
Methodology”). Liquidity Providers, including ZHLS, may, subject to their own discretion, add a
spread to any Cryptocurrency Transaction. The spread will be priced into any Order at the timeof transaction and will increase the cost of any purchase above the prevailing market price. You
understand and acknowledge that the price at which your Market Order is filled may vary fromthe price displayed at the time your Market Order is placed, and you further understand andacknowledge that Zero Hash may, at its sole discretion, cancel any Market Order if the prevailingmarket price changes significantly from the time the Market Order was placed. You further
understand and acknowledge that Zero Hash may, at its sole discretion, cancel any Market Order.
Zero Hash, or Zero Hash through the Platform, will send you a notification upon the occurrenceof a cancellation of any Market Order.

9.3. Order Placement. Orders are placed on the Platform or the Zero Hash System, as applicable,

through your Account using your Login Credentials (to the extent that any Login Credentials are
required by Business to access its Platform). If you are accessing the Services through the
Platform, you may only enter Orders as permitted by the Platform and as agreed between you
and Business in the applicable Cryptocurrency Platform Agreement. If you are entering Orders
through the Zero Hash System, you may only submit orders as permitted by Zero Hash in writing.
You further understand that all Orders to purchase or sell cryptocurrency will be executed inreliance on your promise that an actual purchase or sale is intended, and that ZHLS requires full
payment in cleared, non-margined funds at the time an Order is filled. Zero Hash does not offer
leverage in your Account. Zero Hash will not settle any leveraged transaction. You are responsible
for ensuring that you do not place a leveraged or margin Order through the Platform. You further
understand and acknowledge that you are not permitted to place an Order to purchasecryptocurrency unless you have enough non-margined funds available in your Business Accountor Zero Hash account, as applicable, to cover the purchase plus any network and/or associatedblockchain fees, and that you are not permitted to place an Order to sell cryptocurrency unless
you have enough cryptocurrency available in your Account. You understand and acknowledge
that Zero Hash and ZHLS do not guarantee that an Order you place will be filled, and you further
understand and acknowledge that Zero Hash reserves the right to cancel any Order or part of an
Order, if such Order: (i) was placed during a scheduled or unscheduled downtime of Zero Hash
and/or ZHLS; (ii) violates the terms of this User Agreement; or (iii) is non-marketable. By placing
an Order, you agree to the terms and conditions of the Order as displayed to you on the Platform
or Zero Hash System, as applicable. You further understand and acknowledge that: (a) Zero Hashdoes not offer the ability to set up pre-authorized, automatic, or recurring Orders (“PreAuthorized Orders”) in your Account; (b) any such Pre-Authorized Order feature (if available) isunder the exclusive control of Business (if applicable); (c) you must contact Business (ifapplicable) in order to stop a Pre-Authorized Order before execution or to turn off such a featurein your Account; and (d) Zero Hash and ZHLS are not liable for the placement and execution of
any Pre-Authorized Order. Prior to each Cryptocurrency Transaction, you will be presented witha written disclosure in clear, conspicuous, and legible writing, such disclosures as are customarily
given in connection with a transaction of this nature, including : (1) the amount of theCryptocurrency Transaction; (2) any fees, expenses, and charges borne by you, including
applicable exchange rates; (3) the type and nature of the Cryptocurrency Transaction; and (4) awarning that once executed the Cryptocurrency Transaction may not be undone, if applicable.

9.4. Order Routing. All Orders will be routed to us by or through the Platform, unless you are placing

Orders directly through the Zero Hash System. By using the Services, you understand andacknowledge that all Orders routed to us by the Business or through the Platform, which areplaced on the Platform or the Zero Hash System through your Account using your Login
Credentials, are your Orders, and you agree to be bound by all terms and conditions pertaining
to such Orders in accordance with this User Agreement.

9.5. Source of Funds; Destination of Proceeds. Zero Hash and ZHLS only authorize Cryptocurrency

Transactions using funds maintained: (1) if you are accessing the Services via the Platform, inyour Business Account, or (2) if you are accessing via the Zero Hash System, present in your Zero
Hash Account. You understand and acknowledge that you are not allowed to use funds that are
not owned by you to enter into Cryptocurrency Transactions, and that you are not authorized toenter into Cryptocurrency Transactions on behalf of any third-party. You hereby represent andwarrant that all funds used by you to enter into Cryptocurrency Transactions (presently and in
the future) are owned by you and are not the direct or indirect proceeds of any criminal or
fraudulent activity. In all instances, you are responsible for the full amount owed for
Cryptocurrency Transactions entered by you on the Platform or the Zero Hash System. You
understand and acknowledge that any proceeds from the sale of cryptocurrency shall be
returned to your Business Account (or another account (previously communicated to andapproved by Zero Hash) if you do not have an applicable Business Account, including an Account
you have funded directly with Zero Hash), and that you will not have the option to transfer
proceeds to any other fiat account, including any account that you own. Fiat withdrawals fromyour Business Account shall be covered in your agreement(s) with Business (if applicable). If you
do not have an applicable Business Account and you access your Account through the Zero Hash
System, fiat withdrawals are covered in Section 10.5 below.

9.6. Transaction Limits. You understand and acknowledge that your use of the Services is subject toa limit on volume (in fiat currency terms) that you may transact in a given time period. Such limits
may vary, at our sole discretion, depending on a variety of factors, and we may apply higher
limits to certain Account holders at our discretion.

9.7. Transaction Receipt. When your Order is filled, Zero Hash, or Business on behalf of Zero Hash,

shall send your confirmation (a “Transaction Receipt”) through the Platform or to your email
address associated with your Account. We may choose, at our sole discretion and without priornotice to you, to periodically consolidate Orders into a single Transaction Receipt. Transaction
Receipts shall contain any information we may elect to include at our sole discretion or as
required by law. The confirmation shall disclose, at a minimum, (1) the name and contact
information of Zero Hash and ZHLS, including a telephone number ((855) 744-7333) to answer
questions and register complaints; (2) the type, value, date, and precise time of the transaction;(3) the fee charged; (4) the exchange rate, if applicable; (5) a statement of the liability of Zero
Hash and ZHLS for non-delivery or delayed delivery; (6) a statement of the refund policy of Zero
Hash; and (7) any additional information required by law. A record of your Cryptocurrency
Transactions (“Transaction History”) conducted during the preceding twelve (12) months may
be available through your Account on the Platform or the Zero Hash System, as applicable andsuch Transaction History record may be made available to you upon a valid and verifiable request
to support@zerohash.com. Zero Hash maintains records of all Cryptocurrency Transactions fora period of five (5) years or as otherwise required by law. If you are located in New York, youhave the right under New York law to receive a history of your Cryptocurrency Transactions andTransaction Receipts. Please note, the form of such Transaction Receipt provided to you shall bemade available to the New York State Department of Financial Services, upon the department’s
request. Further, if you are located in New York, you have the right under New York law toreceive periodic account statements and valuations, which would be provided to you in
accordance with this Section 9.7.

9.8. Right to Offset. In the event that you fail to maintain sufficient funds in your Business Accountor Account (or another account previously communicated to and approved by Zero Hash) if you
do not have an applicable Business Account) at the time an Order is filled, Zero Hash and ZHLS
reserve the right, at our sole discretion, to cancel, reverse or fill such Order in whole or in part.
You agree to be responsible for the costs of any such action taken by Zero Hash and/or ZHLS. You
understand and acknowledge that if a failure to provide sufficient funds results in an amount due
and owing by you to ZHLS (a “Negative Balance”), Zero Hash or ZHLS shall have the right to: (i)charge a reasonable rate of interest on any such Negative Balance; and (ii) offset any such
Negative Balance, including any accrued interest and consequential losses, by transferring funds
that are or become available in your Business Account or Account to Zero Hash or ZHLS.

9.9. Cancellations. Orders may not be cancelled by you after they are filled.
9.10. Errors. You are solely responsible for reviewing your Transactions Receipts and for monitoring

your Transaction History for any errors (or any Potentially Fraudulent Activity, as outlined in
Section 6.5). You understand and acknowledge that if you have not received a Transactions
Receipt or an Order cancellation notice, you are responsible for notifying us via email at
support@zerohash.com within twenty-four (24) hours of the Cryptocurrency Transaction. You
further understand and acknowledge that you are solely responsible for reviewing yourTransaction Receipts for accuracy and for notifying us of any suspected errors via email at
support@zerohash.com within twenty-four (24) hours of the time any such Transaction Receipt
was sent. You hereby waive your right to dispute any Cryptocurrency Transaction unless you
notify us of any objections within twenty-four (24) hours of the time in which the applicable
Transaction Receipt was sent. You understand and acknowledge that Zero Hash and/or ZHLS
reserves the right, but has no obligation to, and shall not be held liable should we declare nulland void a Cryptocurrency Transaction that Zero Hash considers to be erroneous (each, an“Erroneous Transaction”). You understand and acknowledge that you are responsible for
ensuring that the appropriate price and Order type is submitted when you place an Order topurchase or sell cryptocurrency with ZHLS, and that a simple assertion by you that a mistake wasmade in entering an Order, or that you failed to pay attention to or update an Order, shall not
be sufficient to establish it as an Erroneous Transaction. You further understand andacknowledge that if Zero Hash or ZHLS determines that a given Cryptocurrency Transaction is an
Erroneous Transaction, Zero Hash or ZHLS may, at our sole discretion, declare it null and void, inwhole and in part, even if you do not agree to cancel or modify it, in which case you shall returnthe cryptocurrency or funds received in the Erroneous Transaction.

9.11. Downtime. Each of Zero Hash and ZHLS uses commercially reasonable efforts to provide theServices in a reliable and secure manner. From time to time, interruptions, errors, delays, orother deficiencies in providing the Services may occur due to a variety of factors, some of which
are outside of Zero Hash’s and/or ZHLS’ control, and some which may require or result inscheduled maintenance or unscheduled downtime of the Services (collectively, “Downtime”).
You understand and acknowledge that part or all of the Services may be unavailable during any
such period of Downtime, and you acknowledge that Zero Hash and ZHLS are not liable or
responsible to you for any inconvenience or losses to you as a result of Downtime. Following
Downtime, you further understand and acknowledge that the prevailing market prices ofcryptocurrency may differ significantly from the prices prior to such Downtime.

9.12. Trade Cancellation. You agree that Zero Hash may delay settlement or cancel, in whole or part,any transaction in the case of extraordinary market events, including but not limited to, (i) any
legal enactment, (ii) the intervention of a public authority, (iii) a natural disaster, (iv) an act ofwar, strike, blockade, boycott or lockout, and (v) highly volatile trading periods that result in
unclear or unreliable pricing data, which Zero Hash determines has prevented or will prevent itfrom performing its obligations, in whole or in part, under this User Agreement, as well as in theevent that any counterparty to a transaction, including any Liquidity Provider, fails to timely
deliver to us sufficient cryptocurrency to fulfill and/or settle any Order(s) placed by you throughthe Platform or the Zero Hash System. Zero Hash shall not be responsible for any hypothetical or
alleged losses resulting from any delayed or canceled transaction.

9.13. Force Majeure Events. Zero Hash and ZHLS shall not have any liability for any failure to performor delay in performing its obligations under this User Agreement due to any act of God, act ofgovernmental authority, change in law or regulation, war, criminal act, fire, explosion,
earthquake, flood, weather condition, power failure, transportation, pandemic (including
COVID-19) or other accident beyond the reasonable control of the party (“Force Majeure
Events”).

10. Ownership/Custody of Your Assets.

10.1. Hosted Wallet. You hereby engage Zero Hash to act as custodian of any cryptocurrencies thatyou obtain from Cryptocurrency Transactions or deposit to Zero Hash, as applicable. Such
cryptocurrencies shall be stored, on your behalf, by Zero Hash in one or more omnibus Hosted
Wallets. A “Hosted Wallet” is defined herein as any software, application, service, device ortangible object that is used to record and store the alphanumeric character string that is required
to transfer any cryptocurrency (each a “Private Key”) for cryptocurrencies that are associatedwith your Account. As used herein “your Hosted Wallet” shall mean the portion of any Hosted
Wallet attributable to the cryptocurrency you own as reflected in your Account and stored in a
Hosted Wallet. Cryptocurrency obtained by you from cryptocurrency transactions or deposited
to your Account from an external address to an address associated with your Hosted Wallet(s)or Account shall be stored, on your behalf, by Zero Hash in one or more omnibus Hosted Wallets(each a “Omnibus Hosted Wallet”). Zero Hash shall track the balance and ownership ofcryptocurrencies purchased through the Services and stored in your Hosted Wallets, and you
understand that you can view the balance of cryptocurrencies in your Account and stored in
Hosted Wallets through the Platform or directly through the Zero Hash System, as applicable.
You understand and acknowledge that you are solely responsible for reviewing your Accountbalance for accuracy and for notifying us of any suspected errors via email at
support@zerohash.com within twenty-four (24) hours of the time any such error was identified.

10.2. Hosted Wallet Management. Zero Hash securely stores the Private Keys to your cryptocurrency,

which are used to process cryptocurrency transactions, in a combination of online Omnibus
Hosted Wallets, which includes those that are connected to the Internet or other network or thatare operating on a device that is connected to the Internet or other network (“Hot Wallets”) andoffline Omnibus Hosted Wallets, which include those that are not connected to the Internet orother network or that are operating on a device that is not connected to the Internet or othernetwork (“Cold Wallets”). Zero Hash will use both Hot Wallets and Cold Wallets to store thePrivate Keys for cryptocurrencies you obtain from cryptocurrency transactions and deposits,
which Private Key is at all times held by Zero Hash on your behalf. The types of Wallets used andthe manner and means of their use will be determined at Zero Hash's discretion based on its
then-current practices and procedures. The blockchain address used by Zero Hash to hold any
cryptocurrency is not an indication of individual ownership of such cryptocurrency.

10.3. Custody and Title of Cryptocurrency. Unless otherwise stated herein, all cryptocurrency
obtained by you from cryptocurrency transactions or deposits are custodial assets held by Zero
Hash for your benefit, as described in further detail below.

10.4. Ownership. Title to your cryptocurrency shall at all times remain with you and shall not transfer

to Zero Hash. The blockchain address used by Zero Hash to hold any of your cryptocurrency andthe related Private Keys is not an indication of individual ownership of such cryptocurrency. Allinterests in cryptocurrency that Zero Hash holds for Hosted Wallets are held for customers, are
not property of Zero Hash, and are not subject to claims of Zero Hash’s creditors. As the ownerof cryptocurrency in your Account, you shall bear all risk of loss of any such cryptocurrency. Zero
Hash shall have no liability for fluctuations in the fiat currency value of the cryptocurrency owned
by you and held in your Account and stored in Hosted Wallet(s). None of the cryptocurrency heldin your Account are the property of, or shall or may be loaned to, Zero Hash. Zero Hash does not
represent or treat cryptocurrency held in your Account as belonging to Zero Hash. Zero Hash

may not grant a security interest in cryptocurrency held in your Account. Except as required bylaw, or except as provided herein, Zero Hash will not sell, transfer, loan, hypothecate, orotherwise alienate cryptocurrency held in your Account unless instructed by you. You control thecryptocurrency held in your Hosted Wallet(s) as reflected in your Account. At any time, subject
to outages, downtime, and other applicable policies, you may either, as permitted by the
Platform, if applicable, sell any or all of your cryptocurrency and withdraw the proceeds awayfrom Zero Hash or withdraw your cryptocurrency by sending it to a different blockchain address
controlled by you or a third party.

10.5. Third-Party Custodian. Zero Hash may partner with a third-party custodian to store yourcryptocurrency on behalf of Zero Hash (“Wallet Provider”). In such case, your balance(s) of
cryptocurrency will be recognized by Zero Hash in your Account.

10.6. Sub-Custodian. Zero Hash may partner with a third-party, including a Zero Hash Affiliate, that isproperly licensed and regulated to act as a cryptocurrency custodian to offer sub-custodialservices to you (a “Sub-Custodian”). In the case that some or all of your cryptocurrency assets
are held by a Sub-Custodian, the Sub-Custodian and not Zero Hash shall be the custodian of thoseassets. If you are a New York resident as defined in 23 NYCRR 200.2(h), the Sub-Custodian shallbe regulated and authorized by the New York State Department of Financial Services to offer
custodial and/or sub-custodial services to you. You will be able to track your balances held withany Sub-Custodian in your Zero Hash Account.

10.7. Insurance. Assets held at Zero Hash are not insured by the FDIC or SIPC. You are solely

responsible for maintaining insurance policies for cryptocurrency stored by Zero Hash on yourbehalf. You acknowledge and agree that Zero Hash does not make any promises or warranties
with respect to any insurance policies carried by Zero Hash or Wallet Provider, and that you will
not be able to make any claims against any insurance policies carried by Zero Hash or Wallet
Provider.

10.8. Omnibus Hosted Wallet Address. Zero Hash may use shared blockchain addresses, controlled

by Zero Hash, to simultaneously hold cryptocurrency on your behalf, and on behalf of otherusers, including Zero Hash and its affiliates. Zero Hash has no obligation to create segregatedblockchain addresses for your assets. You only have ownership of and rights to those assets
represented in your Account balance.

10.9. Application of the Uniform Commercial Code. All cryptocurrency held in your Account andstored in your Hosted Wallet(s) shall be treated as “financial assets” under Article 8 of the Illinois
Uniform Commercial Code (“Article 8”). With respect to all cryptocurrency held in your Accountor Hosted Wallet(s) by Zero Hash on your behalf, Zero Hash is a “securities intermediary” asdefined in Article 8. Further, your Account is a “securities account” which is defined in Article 8,in part, as “an account to which a financial asset is or may be credited.” Treatment of yourAccount or Hosted Wallet(s), your cryptocurrencies, your Cryptocurrency Transactions, or Zero
Hash under Article 8 does not impact or define the treatment of your cryptocurrencies,
Cryptocurrency Transactions, or Account or Hosted Wallet(s) under any other law, regulation, or
rule, including the United States Commodity Exchange Act and any federal, state, or foreign
securities laws or regulations.

10.10.

Deposits and Withdrawals of Fiat Funds

10.10.1. Platform User Deposits and Withdrawals. If you are accessing the Services through the

Platform, you may instruct deposits and withdrawals of fiat to and from Zero Hash on a pertransaction basis or as otherwise permitted by the Platform. Any fiat received by Zero Hashon your behalf shall be held by Zero Hash on your behalf in an FDIC insured account at
Customers Bank, BMO Harris Bank N.A., or Lead Bank.

10.10.2. Zero Hash System Deposits and Withdrawals. If you are accessing the Services through the

Zero Hash System, you may deposit to your Account any fiat currency supported by Zero
Hash by submitting such fiat currency through wire transfer or any other transmission
method supported by Zero Hash from your bank account to Zero Hash's fiat deposit accountvia instructions provided to you by Zero Hash. You may withdraw any deposited fiat
currency by issuing an instruction to Zero Hash (provided that such instruction has beendelivered by your properly authorized agent, in Zero Hash’s commercially reasonable
opinion) from your Account to an external bank account. Zero Hash reserves the right toperform any due diligence on any such external bank account.

10.10.3. Accrued Interest. No matter the access method used by you, you will not be entitled to any

accrued interest each on fiat currency held by Zero Hash as custodian. In the event Zero
Hash is charged a negative interest rate by the bank holding the omnibus account in whichyour fiat currency is stored, Zero Hash shall pass such charges to you. Zero Hash is not
required to provide you with advanced notice of such charges.

10.11.

Deposit and Withdrawals of Cryptocurrencies

10.11.1. Platform User Deposits and Withdrawals. If you are accessing the Services through the

Platform, you may instruct deposits and withdrawals of cryptocurrency only as permitted
by the Platform. When you elect to transfer cryptocurrency from your Hosted Wallet to athird-party wallet address or other location, it is always possible that the party administering
the new location may reject your transfer or that the transfer may fail due to technical orother issues affecting the Platform. You agree that you shall not hold Zero Hash liable forany damages arising from a rejected or failed transfer.

10.11.2. Zero Hash System User Deposits and Withdrawals. You may deposit to your Account any

supported cryptocurrency by transferring such asset(s) from an external address to an
address associated with your Hosted Wallet or Account. You may withdraw any
cryptocurrency in your Hosted Wallet or Account by issuing an instruction to Zero Hash(provided that such instruction has been delivered by your properly authorized agent, in
Zero Hash’s commercially reasonable opinion) to transfer such asset(s) from an address
associated with your Hosted Wallet or Account to an external address. Zero Hash reserves
the right to perform any due diligence on any such external address.

11. General Terms of Service
11.1. Self-Directed Account. You understand and acknowledge that your Account is self-directed, you
are solely responsible for any and all Orders placed through your Account, and all Orders enteredby you are unsolicited and based on your own investment decisions. You understand andacknowledge that you have not received and do not expect to receive any investment advice
from Zero Hash, ZHLS or any of its affiliates in connection with your Orders. Notwithstanding
anything in this User Agreement, you understand and acknowledge that neither Zero Hash nor
ZHLS accepts responsibility whatsoever for, and shall in no circumstances be liable to you in
connection with, your decisions. You further understand and acknowledge that under nocircumstances will your use of the Services be deemed to create a fiduciary relationship or a
relationship that includes the provision or tendering of investment advice. You acknowledge thatneither Zero Hash, ZHLS nor any of its affiliates, nor any of their employees, agents, principals,
or representatives: (i) provide investment advice in connection with this Account; (ii) recommend
any cryptocurrencies, Cryptocurrency Transactions, Orders, or any action or inaction in yourAccount; or (iii) solicit your placement of any particular Order to the extent research materials
or similar information are available through the Platform or Zero Hash System, you hereby
understand and acknowledge that these materials are intended for informational andeducational purposes only and do not constitute a recommendation by Zero Hash to enter into
any Cryptocurrency Transactions or to engage in any investment strategies.

11.2. Communications. You understand and acknowledge that all notices and communication withyou regarding your Account, the Services, this User Agreement, and any other applicableagreements, documents, tax forms, and disclosures (together, the “Communications”), will bedelivered electronically either through the Platform, your Account, or via an email sent by ZeroHash, or by Business (if applicable) on behalf of us or any third party on our behalf, to the email
address associated with your Account. To ensure that you receive all of our electronic
Communications, you agree to keep your email address up-to-date and immediately notify us
through the Platform or through the Zero Hash System if there are any changes. Delivery of any
Communication to the email address associated with your Account is considered valid. If any
email Communication is returned as undeliverable, we retain the right to block your access toyour Account until you provide and confirm a new and valid email address. You may withdraw
your consent to receive Communications electronically by contacting us at
support@zerohash.com. If you fail to provide or withdraw your consent to receive
Communications electronically, we reserve the right to immediately close your Account or
charge you fees for paper copies.

11.3. Taxes. You understand and acknowledge that Zero Hash, ZHLS or our affiliates do not provide

tax or legal advice and that receiving Tax Reporting Services, if applicable, hereunder does notconstitute any tax or legal advice from Zero Hash. You further understand and acknowledge that
Zero Hash may report Cryptocurrency Transactions and the proceeds from cryptocurrency sales
to the Internal Revenue Service or other applicable taxing authority to the extent and manner inwhich so required by law, regulations, or regulatory guidance. You further understand andacknowledge that you will be liable for reporting and paying all taxes relating to your investments
and other activity related to this User Agreement, including with respect to any Cryptocurrency
Transactions, Staking Rewards, Rewards/Awards Transactions, and any other relatedtransactions that may occur in your Account. Unless required to do so by a tax authority withcompetent jurisdiction over Zero Hash, Zero Hash will not file or report any tax forms or taxable
transactions on your behalf. Zero Hash may withhold (or cause to be withheld) the amount of
any tax which may be required by law to be withheld by Zero Hash. You should conduct yourown due diligence and consult your advisors before making any transactions under this User
Agreement.

11.3.1.

U.S. Persons. This subsection is applicable if you are a U.S. person (including a U.S. resident
alien) as such term is defined in section 7701(a) of the Internal Revenue Code of 1986, as
amended (“U.S. Person”). Under penalties of perjury, you hereby certify that the taxpayer
identification number that you have provided or will provide to Zero Hash in connection
with your Account (including any taxpayer identification number on any Form W-9 that you
have provided or will provide) is your correct taxpayer identification number.

11.3.2.

Non-U.S. Persons. This subsection is applicable if you are not a U.S. Person. You hereby
certify that you fully understand all the information on any Form W-8BEN that you havesubmitted or will submit through the Platform in connection with your Account. Under
penalties of perjury, you declare that: (i) you have examined all the information on any Form
W-8BEN that you have submitted or will submit through the Platform; and (ii) to the best of
your knowledge and belief all such information is true, correct, and complete.

11.4. Intellectual Property. You hereby acknowledge that we own all right, title and interest in and to

the documentation, procedures, requirements, conditions, practices and guidelines for the useof Services, prepared by or on behalf of Zero Hash and ZHLS describing any processes,
procedures, know-how or algorithms developed, devised, practiced or used by us (“Zero Hash
System Protocol”), their use and content, as well as all related copyrights, trademarks, service
marks, patent rights, and trade secrets and any other intellectual property rights therein(registered or unregistered) including any applications anywhere in the world. We do not grant
you any right or license except as expressly set forth herein and otherwise reserves all rights. The
Zero Hash System Protocol is protected by applicable copyright, trade secret and otherintellectual property laws. Without limiting the foregoing, the Zero Hash logo, any other Zero
Hash service names, logos or slogans that may appear within the Services (collectively, the“Covered Marks”) are trademarks, service marks or trade dress of Zero Hash and its affiliates.
You hereby agree that you will not: (i) copy, modify, disclose, publish, distribute, create
derivative works from, reverse engineer, reverse assemble or reverse compile the Zero Hash
System Protocol, or any portion thereof, for any reason and you may not use the Zero Hash
System Protocol, or any portion thereof, for any purpose other than as expressly authorizedherein; (ii) copy, imitate or use, in whole or in part, any Covered Mark without Zero Hash’s priorwritten permission; (iii) remove, obscure or alter any Zero Hash copyright, trademark, patent orother Zero Hash notices or legends contained in the Services or in any documentation or othermaterials produced, distributed or published by Zero Hash; (iv) distribute, rent, sell, lease,redistribute, release or license the Zero Hash System Protocol, or any part thereof, to any thirdparty or otherwise allow access by a third-party; (v) take or authorize any action that could
detrimentally interfere with the performance or delivery of the Services, use any robot, spider
or other device or process to monitor or copy the Zero Hash System Protocol, or knowingly
transmit any virus or other potentially harmful device in connection with your use of the Services;or (vi) assist or encourage any third-party in engaging in any activity prohibited under this User
Agreement.

11.5. Transaction Data. Zero Hash and ZHLS shall be entitled, at our sole discretion, to use information

related to Cryptocurrency Transactions executed through the Services (“Transaction Data”) todevelop and compile market data that Zero Hash, ZHLS or a third-party service provider may
disseminate to third parties (including through a market data feed) for business purposeswithout further consent by you, and Zero Hash shall be entitled to any and all revenue derived
therefrom. By your use of the Services, you hereby consent to such use of Transaction Data. Anysuch market data disseminated by Zero Hash, ZHLS or any third-party service provider, shall not
identify the parties who provided or entered into such Cryptocurrency Transactions.
Other than for your own internal use in accordance with this User Agreement, you will notcommunicate, disclose, redistribute, or otherwise furnish (or permit to be communicated,disclosed, redistributed or otherwise furnished) all or any portion of the Transaction Data, in any
format, to any third party or for the purposes of constructing or calculating the value of any index
or indexed products or for the purpose of creating any derivative works or to make any use
whatsoever at any time of the Transaction Data that could compete with the business of Zero
Hash and or ZHLS or performance of the Services provided by Zero Hash and/or ZHLS.
Notwithstanding the foregoing, you understand and agree that any and all data submitted toZero Hash and ZHLS by you and all information related to Cryptocurrency Transactions enteredinto by you through the Services shall be the joint and exclusive property Zero Hash, ZHLS,
Business and you (if you are not Business), and we shall have the right to use, sell, retransmit orredistribute such information, on an anonymous and aggregated basis, and in accordance withand subject to our Privacy Policy discussed in Section 12 below.

11.6. Market Data. Zero Hash may make certain information and research data, including historicalmarket information available to you through the Platform or Zero Hash System, as applicable(“Market Data”). Market Data may be provided through third-party providers and may be
updated at different time intervals, and accordingly, quotes, news, research data, market
information and the various trade status reports, including intraday updates of balances andpositions information and may differ due to the different Market Data and sources and their
update intervals. Any such Market Data is provided as-is and for informational purposes only.
Zero Hash makes no representation as to the accuracy or completeness of any Market Data.
Further, Market Data may represent aggregated data from across multiple third-party trading
venues and does not necessarily represent the prices of any asset as made available by Zero Hash
or ZH Liquidity. Your reliance on any Market Data is at your sole discretion. The provision ofMarket Data relating to any asset shall not be considered Zero Hash’s, or its affiliates,
endorsement of any such asset. You understand and agree that past performance of any asset is
not indicative of future performance. You shall not decompile or redistribute any Market Data.

11.7. Death of Individual Account Holder. In the case of Individuals that have opened an Accountunder this User Agreement, if we receive legal documentation confirming your death or otherinformation leading us to reasonably conclude that you have died, we will suspend your Account.
No activity will occur in your Account until either: (i) your designated fiduciary has opened a new
account with Zero Hash and instructs Zero Hash to transfer the entirety of your Account to suchnew account; or (ii) we have received reasonably satisfactory proof that you have not died. If
we have reason to believe you may have died but we do not have proof of your death in a form
satisfactory to us, you authorize us to make inquiries, whether directly or through third parties,
that we consider necessary to ascertain whether you have died. Upon receipt by us of proof
satisfactory to us that you have died, the fiduciary you have designated in a valid will or similar
testamentary document will be required to open a new Zero Hash account, either through the
Platform or the Zero Hash System, as applicable. If you have not designated a fiduciary, then wereserve the right to: (a) treat as your fiduciary any person entitled to inherit your Account, as
determined by us upon receipt and review of the documentation we, in our sole and absolutediscretion, deem necessary or appropriate, including (but not limited to) a will, a living trust or asmall estate affidavit; or (b) require an order designating a fiduciary from a court having
competent jurisdiction over your estate. In the event we determine, in our sole and absolute
discretion, that there is uncertainty regarding the validity of the fiduciary designation, we reserve
the right to require an order resolving such issue from a court of competent jurisdiction before
taking any action relating to your Account. Pursuant to the above, the opening of a new Zero
Hash account by a designated fiduciary is mandatory following the death of an Individual Accountowner, and you hereby agree that your fiduciary will be required to open a new Zero Hashaccount and provide the Background Information required under this User Agreement in orderto gain access to the assets in your Account.

11.8. Unclaimed or Abandoned Property. If Zero Hash is holding fiat funds or cryptocurrencies in yourAccount, and Zero Hash is unable to contact you and has no record of your use of the Services
for two (2) or more years, Applicable Law may require Zero Hash to report such assets as
unclaimed property within the applicable jurisdiction. If this occurs, Zero Hash will try to locate
you at the address shown in our records, but if Zero Hash is unable to locate you, it may berequired to deliver any such assets to the applicable state or jurisdiction as unclaimed property.

11.9. Severability. If any provision of this User Agreement shall be adjudged by any court ofcompetent jurisdiction to be unenforceable or invalid, that provision shall be limited oreliminated to the minimum extent necessary so that this User Agreement shall otherwise remain
in full force and effect and enforceable.

11.10.

Headings. The headings and captions used in this User Agreement are used forconvenience only and are not to be considered in construing or interpreting this User Agreement.

12. Privacy Policy. If you are registering an Account through the Platform, please refer to Business’

Privacy Policy here for information about how Business collects, uses and discloses information about
you when you engage with the Platform. In addition, please refer to our Privacy Policy here for
information about how we collect, use and disclose information about you when you use the Services.

13. Remedies for Breach; Remedies in General. In the event that you or your affiliates, and your or theirofficers, managers, partners, directors, employees, independent agents or contractors (collectively,
your “Agents”) breach any of your representations, warranties, agreements or covenants set forth in
this User Agreement or otherwise fail to comply with the requirements of this User Agreement, any
policies of Zero Hash and/or ZHLS, including without limitation, by giving Zero Hash and/ or ZHLS
inaccurate or incomplete information for any reason, we will have the right to suspend and/or
terminate this User Agreement and disable your Account (as outlined in Section 7.2). You hereby
acknowledge that you shall be liable for all damages suffered by Zero Hash, ZHLS and their affiliates
resulting from any such breach by you or your Agents. Further, in the event of such breach, ZeroHash, ZHLS and their affiliates will have the rights of a secured creditor under all Applicable Laws withrespect to your Account and can recover all damages incurred by Zero Hash, ZHLS and their affiliates
by selling any or all of the cryptocurrencies held in your Account and stored in Hosted Wallet(s). You
hereby acknowledge that we have sole discretion over what actions, if any, we take in the event ofsuch breach and that we may take such action without prior notice to you. If a breach by you or your
Agents involves participation by other parties with Accounts at Zero Hash or ZHLS, you and suchparties will be jointly and severally liable for all resulting damages to Zero Hash, ZHLS and theiraffiliates. You hereby acknowledge and agree that the enumeration in this User Agreement of specificremedies shall not be exclusive of any other remedies that may be available at law or in equity. Any
delay or failure by any party to exercise any right, power, remedy or privilege herein contained, or
now or hereafter existing under any applicable statute or law (collectively, “Legal Rights”) shall not
be construed to be a waiver of such Legal Rights, nor to limit the exercise of such Legal Rights, norshall it preclude the further exercise thereof or the exercise of any other right, power, remedy or
privilege.

14. Indemnification
14.1. Indemnification by You. In addition to any other obligations you may have under otherprovisions of this User Agreement, you hereby agree to indemnify, defend and hold harmless
Zero Hash, ZHLS, Business (if you have registered an Account through the Platform), theiraffiliates and all of their officers, directors, managers, partners, employees, independent
contractors, or agents, (collectively, the “Indemnified Persons”) from and against all claims,
demands, proceedings, suits and actions and all liabilities, losses, expenses, costs (including
reasonable legal and accounting fees and expenses), damages, penalties, fines, taxes or amounts
due of any kind arising out of, in connection with or relating to: (i) the failure of you or your
Agents, contractors and/or employees for any reason, fraudulent or otherwise, to perform orcomply with any obligation, agreement or covenant under this User Agreement, the Services,
your use of the Services, the Platform (if applicable), or any other services provided in connection
with your Account, the Platform or your use of the Platform (if applicable); (ii) a breach by youor your Agents, contractors and/or employees of any representation or warranty made by you
under this User Agreement or your provision of any inaccurate or incomplete information to anyof the Indemnified Parties for any reason; (iii) any negligent, dishonest, fraudulent, or criminal
act or omission by your or any of your Agents, contractors and/or employees in connection withthis User Agreement, the Services, any other services provided in connection with your Accountor the Platform (if applicable); (iv) any failure by you or your Agents to comply with any laws,
rules or regulations applicable to you or them, and (v) your, your Agents’, contractors’ or
employees’ failure to safeguard any Login Credentials used to access the Zero Hash service,
whether through the Platform or otherwise. Notwithstanding the foregoing, any Indemnified
Person shall not be entitled under this paragraph to receive indemnification for that portion, if
any, of any liabilities and costs which are solely caused by its own individual gross negligence,
willful misconduct or fraud, as determined by arbitration in accordance with Section 16 below.

14.2. Indemnification Procedures. Upon receipt by any Indemnified Person(s) under this Section 14

of notice of the commencement of any action, and if a claim is to be made against you under thisSection 14, the Indemnified Person(s) will promptly notify you; provided, however, that no delayon the part of the Indemnified Person(s) in notifying you shall relieve you from any obligation
hereunder unless (and then solely to the extent) you thereby are prejudiced. Further, theomission to promptly notify you will not relieve you from any liability that you may have to any
Indemnified Person(s) otherwise than under this Section 14. In any such action brought against
any Indemnified Person(s), you will be entitled to participate in and, to the extent that you may
wish, to assume the defense thereof, subject to the provisions herein stated and only withcounsel reasonably satisfactory to and the prior written approval by such Indemnified Person(s).
After approval by such Indemnified Person(s) of your election to assume the defense thereof,
you will not be liable to such Indemnified Person(s) under this Section 14 for any legal or otherexpense subsequently incurred by such Indemnified Person(s) in connection with the defensethereof other than reasonable costs of investigation or in the case of an actual or potential
conflict of interest between you and any Indemnified Person(s), identified in writing by counsel
to the Indemnified Person(s). You shall keep the Indemnified Person(s) informed of the statusof the defense of such claims, and you will not agree to any settlement without consent of theIndemnified Person(s), which consent will not be unreasonably withheld. The Indemnified
Person(s) shall have the right to employ separate counsel in any such action and to participate
in the defense thereof, but the fees and expenses of such counsel shall not, other than in thecase of an actual or potential conflict of interest between you and Indemnified Person(s), be atyour expense if you have assumed the defense of the action with counsel satisfactory to theIndemnified Person(s). In the event that the Indemnified Person(s) reasonably believes that you
are not adequately defending a claim, the Indemnified Person(s) will have the right to assume
the defense of such claims at your sole expense. You will not settle any action unless such
settlement completely and finally releases the Indemnified Person(s) from any and all liability
and otherwise is acceptable to the Indemnified Person(s). Except with your prior writtenconsent, the Indemnified Person(s), you may not confess any claim or make any compromise inany case in which you may be required to provide indemnification.

15. Limitation of Liability. YOUR ACCOUNT(S) AT ZERO HASH, THE SERVICES PROVIDED BY ZERO HASHAND ZHLS, YOUR USE OF THE ACCOUNT(S), AND ANY OTHER SERVICES PROVIDED TO YOU INCONNECTION THEREWITH ARE PROVIDED BY ZERO HASH, ZHLS AND THEIR AFFILIATES AND ANY
OTHER SERVICE PROVIDERS ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTY OF
ANY KIND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. ZERO HASH, ZHLS AND THEIR
AFFILIATES DISCLAIM ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY IMPLIEDWARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THERE IS NO
WARRANTY THAT ANY OF THE SERVICES, OR ANY DATA OR OTHER INFORMATION PROVIDED TO YOU
BY ZERO HASH, ZHLS OR THEIR AFFILIATES WILL FULFILL ANY PARTICULAR PURPOSES OR NEEDS.
THERE IS NO WARRANTY THAT THE SERVICES PROVIDED HEREUNDER WILL BE ERROR FREE,
UNINTERRUPTED, TIMELY, RELIABLE, COMPLETE OR ACCURATE. None of Zero Hash, ZHLS, theiraffiliates nor any of their officers, directors, managers, partners, employees or independent agents orcontractors will be liable to you or any of your affiliates for any losses, expenses (including legal fees
and costs), liabilities, damages, costs, demands, obligations, penalties, charges, causes of action,
claims, fines, taxes or amounts due of any kind (both known and unknown, absolute or contingent,liquidated or unliquidated, direct or indirect, payable now or payable in the future, accrued or not
accrued) (collectively, “Losses”) arising out of, related to or resulting from your Account, the Services
or your use of the Services, including without limitation any trading or other activities conducted in
the Account, including without limitation, you sending Orders for the purchase and sale ofcryptocurrencies to ZHLS, sending instructions to Zero Hash to settle any Order and directing thetransfer of assets to Zero Hash, and the storage of your cryptocurrencies, except to the extent andonly to the extent that your Losses are actual and have been finally determined by a court ofcompetent jurisdiction or arbitration panel to have resulted solely from the gross negligence,
intentional misconduct or fraud of Zero Hash or ZHLS, their affiliates or any of their officers, directors,
managers, partners, employees or independent agents or contractors. You will not be held liable forsuch actual Losses that have been finally determined to have resulted solely from the grossnegligence, intentional misconduct or fraud of Zero Hash or ZHLS, their affiliates or any of theirofficers, directors, managers, partners, employees or independent agents or contractors. Further,none of Zero Hash, ZHLS, their affiliates or any of their officers, directors, managers, partners,
employees or agents will have responsibility for Losses or have any other liability to you: (i) arising outof or resulting from any actions or inactions or performance of services by any third-party or actions

of other participants in the markets with respect to your Account or the activities conducted throughyour Account; or (ii) arising out of or resulting from system failures, outages, unauthorized access to
the Account, conversion of property, errors of any kind, government actions, Force Majeure Events,
trading suspensions, or any other causes over which Zero Hash and/or ZHLS does not have directcontrol. Further, none of Zero Hash, ZHLS, their affiliates or any of their officers, directors, managers,
partners, employees or agents shall be liable for any Losses that are not direct damages, including
without limitation, indirect, special, incidental, punitive, consequential or exemplary damages, which
includes trading losses, lost profits and other lost business opportunities relating to the Account, theServices and your use of the Services, including without limitation for sending Orders for
Cryptocurrency Transactions through the Platform or through the Zero Hash System for the purchaseor sale of cryptocurrency from/to ZHLS, directing settlement of Cryptocurrency Trades and thetransfer of funds to Zero Hash and the storage of your cryptocurrencies.

16. Dispute Resolution
16.1. Mandatory Arbitration. In the event of a dispute between the parties, such dispute shall besettled by arbitration as outlined in this Section 16.

16.2. No Class Action. YOU AGREE THAT ANY CLAIMS WILL BE ADJUDICATED SOLELY ON AN
INDIVIDUAL BASIS, AND YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE,
PRIVATE ATTORNEY GENERAL ACTION, OR OTHER JOINT ACTION WITH RESPECT TO ANY CLAIMSTHAT MAY ARISE UNDER THIS USER AGREEMENT OR THE PROVISION OF SERVICES.

16.3. Arbitration Disclosure. ARBITRATION IS FINAL AND BINDING ON THE PARTIES. THE PARTIES ARE

WAIVING THEIR RIGHT TO SEEK REMEDIES IN COURT, INCLUDING THE RIGHT TO JURY TRIAL. PREARBITRATION DISCOVERY IS GENERALLY MORE LIMITED THAN AND DIFFERENT FROM COURTPROCEEDINGS. THE ARBITRATOR OR ARBITRATION PANEL SHALL ISSUE A REASONED AWARD.

16.4. Arbitration Agreement. Unless otherwise specified, any dispute, claim or controversy between

the parties relating to this User Agreement shall be resolved through binding arbitration
conducted in accordance with the Arbitration Rules of the American Arbitration Association(“AAA”). Any such arbitration shall be conducted in Chicago, Illinois, U.S.A. or at such otherlocation as may be agreed to by the parties and the arbitrators. Notwithstanding the foregoing,each party acknowledges that a breach of this User Agreement may cause the other party
irreparable injury and damage and therefore may be enjoined through injunctive or other
equitable proceedings in addition to any other rights and remedies which may be available tosuch other party at law or in equity, and each party hereby consents to the jurisdiction of any
federal or state courts located in Chicago, Illinois, U.S.A. with respect to any such action. The
parties expressly waive any objection based on personal jurisdiction, venue or forum nonconveniens. EACH PARTY HEREBY IRREVOCABLY WAIVES ALL RIGHTS TO TRIAL BY JURY IN ANYACTION, CLAIM, SUIT, PROCEEDING OR COUNTERCLAIM (WHETHER BASED ON CONTRACT, TORTOR OTHERWISE) ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE ACTIONS OF SUCH
PARTY IN THE NEGOTIATION, ADMINISTRATION, PERFORMANCE AND ENFORCEMENT HEREOF.
This User Agreement evidences a transaction in interstate commerce, and thus the Federal
Arbitration Act, 9 U.S.C. § 1 et. seq., governs the interpretation and enforcement of thisprovision. The arbitrator will decide the substance of all claims in accordance with all ApplicableLaw, including recognized principles of equity and statutes of limitations, and will honor all
claims of privilege recognized by law. Under this arbitration provision, arbitrators will not bebound by rulings in prior arbitrations involving different customers but are bound by rulings inprior arbitrations involving the same customer to the extent required by Applicable Law. This
arbitration provision will survive the termination of this User Agreement.
Unless the parties agree otherwise, each party must bring all related or similar claims in a single
arbitration proceeding. If a party later initiates a subsequent arbitration asserting claims thatare related or similar to ones that were raised by such party in a prior arbitration, the AAA or
the arbitrator will either: (i) consolidate the subsequent arbitration with the earlier proceeding
if it is ongoing; or (ii) dismiss the subsequent arbitration if it raises claims that would be barredby Applicable Law if brought in court.
Notice of Dispute and Arbitration Procedures. A party who intends to pursue a claim must first
send to the other a letter describing the claim and containing the information described below(a “Notice of Dispute”). Any Notice of Dispute sent to Zero Hash and/or ZHLS should be
addressed to:
Attn: Chief Legal Officer
Zero Hash LLC and Zero Hash Liquidity Services LLC
327 N. Aberdeen St.
Chicago, Illinois, U.S.A. 60607
legal@zerohash.com
Any Notice of Dispute sent to you by Zero Hash and/or ZHLS will be sent to the email address
and/or address in our records that is associated with your Account at the time the Notice of
Dispute is sent. The Notice of Dispute must: (a) describe the nature and basis of the claim; (b)set forth the specific relief sought; (c) set forth the name and address of the claimant; and (d)include the Account numbers to which the claim relates. If the parties do not reach an
agreement to resolve the claim described in the Notice of Dispute within forty-five (45) days
after the Notice of Dispute is received, the parties may commence an arbitration proceedingwith the AAA. If the parties attempt to commence arbitration proceedings before providing therequisite Notice of Dispute, the AAA shall not commence administration of arbitration
proceedings for at least forty-five (45) days after the AAA receives the request to initiate
arbitration. No party will disclose to the arbitrator the existence, amount, or terms of any
settlement offers made by any party until after the arbitrator issues a final award resolving theclaim.
A form for initiating arbitration proceedings is available on the AAA’s website at
http://www.adr.org.
The arbitration will be governed by the AAA’s Commercial Dispute Resolution Procedures, as
amended from time to time (the “AAA Rules”) or as modified by this User Agreement, and will
be administered by the AAA. The AAA Rules are available online at http://www.adr.org, bycalling the AAA at 1-800-778-7879, or by writing to the notice address provided above.
The arbitrator is bound by the terms of this User Agreement. All issues are for the arbitrator todecide, except that issues relating to the arbitrability of claims or the scope, and enforceability

of this arbitration provision, including the interpretation of the prohibition of class andrepresentative actions and non-individualized relief, are for the court to decide. If the value ofthe relief sought (by any party) is $10,000 or less, you may choose whether the arbitration will
be conducted solely on the basis of documents submitted to the arbitrator, through a telephonichearing, or by an in-person hearing as established by the AAA Rules. If the value of the relief
sought (to any party) exceeds $10,000, the right to a hearing will be determined by the AAA
Rules. Any in-person arbitration hearing will take place in Chicago, Illinois, U.S.A. Regardless ofthe manner in which the arbitration is conducted, the arbitrator, upon the request of either
party made prior to the closing of the hearing (or, if there is no oral hearing, prior to or alongwith submission of final documents to the AAA), will issue a reasoned written decision sufficient
to explain the essential findings and conclusions on which the award, if any, is based. Unlessotherwise agreed by the parties, any award will be rendered by the arbitrator not later thanfourteen (14) days from the date of the closing of the hearing or, if there is no oral hearing, fromthe date of the AAA’s transmittal of the final statements and proofs to the arbitrator inaccordance with the AAA Rules.

17. Governing Law and Venue. You hereby agree that this User Agreement and your access to and useof the Services will be governed by and construed and enforced in accordance with the laws of thestate of Illinois, U.S.A. without regard to conflict of law rules or principles (whether of the state of
Illinois or any other jurisdiction) that would cause the application of the laws of any other jurisdiction.
Any dispute between the parties arising out or relating to this User Agreement that is not subject toarbitration or cannot be heard in small claims court will be resolved in the state or federal courts
sitting in Chicago, Illinois, U.S.A.

18. Legal
18.1. Regulation. Zero Hash and ZHLS are registered with the U.S. Department of Treasury’s Financial

Crimes Enforcement Network as a money services business (“MSB”). As registered MSBs, Zero
Hash and ZHLS are subject to the Bank Secrecy Act and its implementing regulations which set
out the requirements imposed upon financial institutions to implement policies and procedures
reasonably designed to detect and prevent money laundering and terrorist financing. You
understand and acknowledge that your access to and use of the Services is subject to compliancewith our AML Program. You understand and acknowledge that Zero Hash is not a registeredbroker-dealer and is not a member of the Financial Industry Regulatory Authority or SIPC. You
further understand and acknowledge that your cryptocurrency holdings are not protected by the
FDIC or SIPC. Additional insurance may be provided at Zero Hash’s sole discretion, and Zero Hashmakes no guarantee that you will have a right to, or claim against, any supplemental policy
should Zero Hash choose to insure any assets held on behalf of you, or any customer, at ZeroHash.

18.2. Compliance with Applicable Laws. Cryptocurrency Transactions are subject to applicable laws,
regulations, and rules of federal and state governmental and regulatory authorities (collectively,“Applicable Law(s)”). You understand that compliance with Applicable Laws may include
compliance with any guidance or direction of any regulatory authority or government agency,
any writ of attachment, lien, levy, subpoena, warrant, or other legal order (collectively, “Legal
Orders”). You understand and acknowledge that in no event will Zero Hash and ZHLS beobligated to affect any Cryptocurrency Transaction that we believe would violate any ApplicableLaw. You further understand and acknowledge that Zero Hash and ZHLS both independently andcollectively are not responsible for any losses, whether direct or indirect, that you may incur asa result of our good faith efforts to comply with any Applicable Law, including any Legal Order.
You authorize Zero Hash and ZHLS to provide any information relating to your Account, your useof the Account or your use of the Zero Hash and/or ZHLS Services enumerated in this User
Agreement if requested by any valid regulatory body, provided that any such disclosure by Zero
Hash and/or ZHLS shall comply with Applicable Law, including any applicable privacy rules andregulations.

18.3. State Licenses and Disclosures. Zero Hash is required to maintain licenses to engage in moneytransmission activities in certain states, and these license requirements may impact our provisionand your use of certain Services depending on where you live or are formed in. It is your sole
responsibility to ensure that you are accessing the Services available to you by reviewing thePermitted US Jurisdictions as listed by Zero Hash, and updated from time to time, prior to placing
any Order on the Platform or through the Zero Hash System. A list of Zero Hash licenses andcorresponding required disclosures and methods for filing complaints with the applicable state
regulator can be found here or by searching for disclosures here , which are incorporated hereinby reference. If you have any questions about the disclosures, contact us at
support@zerohash.com before using the Services enumerated in this User Agreement.

18.4. Electronic Record. The electronic stored copy of this User Agreement is considered to be thetrue, complete, valid, authentic, and enforceable record of this User Agreement. admissible injudicial or administrative proceedings to the same extent as if the documents and records wereoriginally generated and maintained in printed form. You agree to not contest the admissibilityor enforceability of the electronically stored copy of the User Agreement.

18.5. Electronic Acceptance. You expressly confirm that you have read, agree to, and consent to bebound by all of the terms of this User Agreement, including all disclosures in this agreement,
including those in Section 18.3. By electronically signing this User Agreement, which may becompleted by all methods of “clickwrap” or “click through” including by accepting, clicking abutton, or checking a box, you acknowledge and agree that such electronic signature is valid
evidence of your consent to be legally bound by this User Agreement and such subsequent terms
as may govern the Services. You are also confirming that you have reviewed the Zero Hash
Privacy Policy and Regulatory Disclosures. If you do not agree to all of the terms of this User
Agreement, do not electronically sign this User Agreement and cease from accessing, using, or
installing any part of the Services.