RISK DISCLOSURES 33-21

(a) YOU UNDERSTAND THAT ANY INVESTMENT MADE THROUGH MYDIGITALWALLET (“COMPANY”) IS SELF-DIRECTED AND THAT COMPANY OFFERS NO OPINION OR ADVICE ABOUT SUCH INVESTMENTS. YOU ACKNOWLEDGE THAT DIGITAL CURRENCY IS A NEW AND VERY SPECULATIVE MARKET AND THAT ANY INVESTMENT IN DIGITAL CURRENCY INVOLVES A SUBSTANTIAL DEGREE OF RISK. GIVEN THAT DIGITAL CURRENCY HAS A LIMITED OPERATING HISTORY OF PERFORMANCE, YOU ACCEPT AND AGREE NO OUTCOME IN DIGITAL CURRENCY CAN BE PREDICTED AND THAT ANY INVESTMENT IN DIGITAL CURRENCY IS SUBJECT TO COMPLETE LOSS. YOU UNDERSTAND THE HIGHLY VOLATILE NATURE OF DIGITAL CURRENCY AND AGREES THAT IT IS NOT AN INVESTMENT THAT IS SUITABLE FOR ALL INVESTORS. NOTWITHSTANDING THE FOREGOING, YOU STILL WISH, IN YOUR SOLE DISCRETION, TO PURCHASE OR SELL DIGITAL CURRENCY PURSUANT TO THIS AGREEMENT.
(b) YOU UNDERSTAND THAT COMPANY OFFERS A PURELY TRANSACTIONAL SERVICE, WHEREIN YOU MAY USE COMPANY’S WEBSITE TO BUY OR SELL DIGITAL CURRENCY USING A CASH OR IRA BALANCE. OTHER THAN EXPRESSLY PROVIDED IN THIS PARAGRAPH 6(b), YOU AGREE THERE IS NO FIDUCIARY RELATIONSHIP, BROKER-DEALER RELATIONSHIP, OR OTHER SPECIAL RELATIONSHIP THAT EXISTS BETWEEN YOU AND COMPANY.
(c) YOU ARE NOT RELYING ON ANY REPRESENTATION OR ENDORSEMENT OF DIGITAL CURRENCY BY COMPANY, AND YOU AGREE THAT COMPANY HAS NOT MADE ANY REPRESENTATIONS OR ENDORSEMENTS OF DIGITAL CURRENCY. YOU UNDERSTAND, AGREE AND ACCEPT THAT YOU COULD LOSE ALL OR A SUBSTANTIAL PORTION OF YOUR INVESTMENT IN DIGITAL CURRENCY.
(d) YOU ACKNOWLEDGE THAT DIGITAL CURRENCY IS NOT BACKED BY ANY SOVEREIGN GOVERNMENT OR NATION OR BY A PHYSICAL ASSET AND, WITH EXCEPTIONS, HAS NO PHYSICIAL, EASILY TRANSFERABLE FORM. YOU FURTHER UNDERSTAND AND ACCEPT THAT DIGITAL CURRENCY DEPENDS ENTIRELY ON THE PUBLIC’S WILLINGNESS TO ACCEPT IT AS A MEDIUM OF EXCHANGE, KNOWING THAT DIGITAL CURRENCY, UNLIKE OTHER CURRENCY, HAS NO LEGAL REQUIREMENT THAT ANY PROVIDER OF GOODS OR SERVICES ACCEPT DIGITAL CURRENCY AS LEGAL TENDER.
(e) YOU UNDERSTAND THAT THE VALUE OF DIGITAL CURRENCY MAY BE DERIVED FROM THE CONTINUED WILLINGNESS OF MARKET PARTICIPANTS TO EXCHANGE GOVERNMENT BACKED CURRENCY (HEREAFTER REFERRED TO AS “FIAT CURRENCY”) FOR DIGITAL CURRENCY, WHICH MAY RESULT IN THE POTENTIAL FOR PERMANENT AND TOTAL LOSS OF VALUE OF A PARTICULAR DIGITAL CURRENCY SHOULD THE MARKET FOR THAT DIGITAL CURRENCY DISAPPEAR.
(f) YOU ACCEPT THAT THERE IS NO ASSURANCE THAT AN ENTITY OR PERSON WHO ACCEPTS A DIGITAL CURRENCY AS PAYMENT TODAY WILL CONTINUE TO DO SO IN THE FUTURE.
(g) YOU ACKNOWLEDGE THAT THE VOLATILITY AND UNPREDICTABILITY OF THE PRICE OF DIGITAL CURRENCY RELATIVE TO FIAT CURRENCY MAY RESULT IN SIGNIFICANT LOSS OVER A SHORT PERIOD OF TIME.
(h) YOU UNDERSTAND THAT THE REGULATORY FRAMEWORK FOR DIGITAL CURRENCY IS UNSETTLED AND EVOLVING. YOU FURTHER ACKNOWLEDGE AND AGREES THAT WITH ADVANCEMENTS AND DEVELOPMENTS IN DIGITAL CURRENCY MINING, COMPETING ALTERNATIVES, THERE ARE UNPREDICTABLE OTHER VARIABLES THAT MIGHT AFFECT THE MARKET FOR DIGITAL CURRENCY.
(i) YOU ACKNOWLEDGE THAT COMPANY IS NOT A LEGAL OR TAX PROFESSIONAL AND DOES NOT PROVIDE LEGAL OR TAX ADVICE. IF CLIENT HAS ANY QUESTIONS REGARDING THE LEGAL OR TAX RULES CONCERNING DIGITAL CURRENCY IT ASSUMES ALL RESPONSIBILITY FOR CONTACTING A LEGAL OR TAX ADVISOR.
(j) YOU WILL INDEMNIFY, DEFEND AND HOLD COMPANY HARMLESS, ITS MEMBERS, AGENTS AND EMPLOYEES, FROM AND AGAINST ANY AND ALL LIABILITIES, LOSSES, DAMAGES, COSTS AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) INCURRED BY COMPANY AS A RESULT OF OR IN CONNECTION WITH ANY SERVICE OR ACTION TAKEN BY COMPANY WITHIN THE REASONABLE SCOPE OF COMPANY’S RESPONSIBILITIES UNDER THIS AGREEMENT.
(k) YOU UNDERSTAND THAT THE NATURE OF DIGITAL CURRENCY MAY LEAD TO AN INCREASED RISK OF FRAUD OR CYBER ATTACK.
(l) YOU UNDERSTAND AND AGREE THAT ANY ERROR OR OMISSION IN YOUR USE OF THE WEBSITE MAY RESULT IN A NON-RECOVERABLE LOSS OF ALL OR SUBSTANTIALLY ALL ITS INVESTMENT. YOU ACCEPT THAT IT IS RESPONSIBLE FOR PERSONALLY VERIFYING ALL TRANSACTION INFORMATION PRIOR TO SUBMITTING A PURCHASE OR SALE. YOU FURTHER ACKNOWLEDGES THAT COMPANY IS NOT CAPABLE OF CONFIRMING THE ACCURACY OF THE INFORMATION PROVIDED TO IT BY YOU AND AGREE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY RESULTING LOSS THEREFROM.
(m) YOU UNDERSTAND AND AGREE THAT FOR TRANSFERS OF DIGITAL CURRENCY AND/OR FIAT CURRENCY AND/OR PRECIOUS METALS, IT MAY BE REQUIRED TO PROVIDE COMPANY WITH CERTAIN PERSONAL INFORMATION, INCLUDING, BUT NOT LIMITED TO, YOUR NAME, ADDRESS, TELEPHONE NUMBER, E-MAIL ADDRESS, DATE OF BIRTH, TAXPAYER IDENTIFICATION NUMBER, GOVERNMENT IDENTIFICATION NUMBER, AND INFORMATION REGARDING YOUR BANK ACCOUNT (E.G., FINANCIAL INSTITUTION, ACCOUNT TYPE, ROUTING NUMBER, AND ACCOUNT NUMBER). IN SUBMITTING THIS OR ANY OTHER PERSONAL INFORMATION AS MAY BE REQUIRED, YOU VERIFY THAT THE INFORMATION IS ACCURATE AND AUTHENTIC, AND YOU AGREE TO UPDATE COMPANY IF ANY INFORMATION CHANGES.
(n) YOU UNDERSTAND THAT THE FOREGOING PARAGRAPHS PROVIDE A PARTIAL, BUT NOT A COMPLETE LIST OF ALL THE RISKS AND OTHER IMPORTANT DISCLOSURES INVOLVED IN INVESTING IN DIGITAL CURRENCY AND FURTHER ACKNOWLEDGES THAT YOU ACCEPT THAT COMPANY IS UNABLE TO PROVIDE AN EXHAUSTIVE LIST DISCLOSING ALL RISKS ASSOCIATED WITH SUCH INVESTMENTS GIVEN THE EVOLVING STATE OF THE DIGITAL CURRENCY MARKET.