CIPHER GROUP LIMITED is a company established under the laws of the Hong Kong Special Administrative Region of the People's Republic of China (hereinafter referred to as ' ForexPay ' or 'we'). This user service agreement (hereinafter referred to as 'this agreement') is jointly signed by you (the user) and CIPHER GROUP LIMITED.

Please read this agreement carefully before you register, use the relevant website, application and accept the services provided by us. When you download the ForexPay software and create or import a wallet, it is deemed that you have fully read and accepted all the terms of this agreement, which will take effect immediately on both parties.

This agreement can be updated by CIPHER GROUP LIMITED at any time. After ForexPay LIMITED announces the revised terms of the agreement, if you do not accept the revised terms, please stop using ForexPay immediately , and your continued use of ForexPay will be deemed to accept the revised agreement.

This agreement is signed in the Hong Kong Special Administrative Region of the People's Republic of China .

1. Definition of nouns

[Blockchain]: A chain data structure that combines data blocks in a sequential manner, and guarantees a distributed ledger that cannot be tampered with and cannot be forged by means of cryptography. It uses a block chain data structure to verify and store data, uses distributed nodes and consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses smart contracts that composed of automated script codes to program and operate data. It is a new distributed infrastructure and computing paradigm.

[Blockchain asset or blockchain digital asset]: The number in the cryptographic account that exists in the blockchain data, it is regarded as the digital asset of the legal owner of the account, including but not limited to Bitcoin, Ethereum, EOS, Litecoin, etc.

[ForexPay]: ForexPay LIMITED develops, operates, manages and owns legal ownership of the platform/website/mobile app client, providing services such as blockchain assets local wallet. ForexPay, domain name ForexPay.com, Supports for use on Android system and iOS system. ForexPay LIMITED provides users with: local management services of blockchain digital assets, peer-to-peer transaction services, one-click transaction services and transaction accelerator services through this software. Hereinafter in this agreement, ForexPay refers to both the software and ForexPay LIMITED.

[HD Wallet]: Hierarchical Deterministic Wallet (HD Wallet), a software tool for keeping blockchain assets. The key of HD Wallet is controlled by the user, not by someone other than the user. ForexPay is a local HD wallet, and users are responsible for the control and safe custody of blockchain assets. ForexPay does not take the responsibility for custody of users' HD wallet assets or other related responsibilities.

[Seed password]: ForexPay users create random numbers through their own devices (mobile phones, tablet computers, etc.), and get 12 Chinese characters or 12 English words of the wallet HD account. The 12 Chinese characters or English words are the user's seed password. The process of creating a seed password belongs to the local behavior of the user, and it can be operated when the network is disconnected. It has nothing to do with the server. Therefore, ForexPay does not master the user's password, and cannot override the user's management of wallet assets, nor can it retrieve the seed password for the user. ForexPay complies with BIP32, BIP39 and BIP44 standards, any other wallet that follows this standard can use the same password to restore and manage your blockchain assets.

[User]: The person who have full capacity for civil rights and conduct, or under the guardianship of a guardian with full civil capacity, accept and agree to all the terms of this agreement, complete registration voluntarily, and conduct blockchain asset custody or other services through the services provided by ForexPay.

[User Authentication]: User authentication, also known as KYC (Know Your Customer), refers to the process in which users log in to ForexPay , fill in and submit relevant information as required, and agree to perform the relevant user agreement (hereinafter referred to as 'KYC authentication'). ForexPay user authentication system is managed at different levels (KYC A/B/C/advanced authentication), users can freely choose the authentication level according to transaction needs and potential risk assessment, and accept ForexPay to carry out corresponding risk control according to the level of authentication selected by the user. Users should submit authentication information according to their real situation. ForexPay and the third parties authorized by ForexPay will identify the information submitted by users within the scope of their capabilities and technology, and set up your MyFaceID account for you on the third-party platform authorized by ForexPay , save and record your identity information verification records; agree the third party authorized by ForexPay uses your identity information to complete the relevant identity verification business. ForexPay does not take responsibility for authenticity, nor does it take responsibility for identification beyond its capabilities.

[Personal information]: Various information recorded electronically or in other ways that can identify the user's personal identity alone or in combination with other information, including but not limited to the name, date of birth, ID number, personal biometric information, address, Phone numbers, bank card numbers, email addresses, wallet addresses, mobile device information, operation records, transaction records, etc., but do not include the user's wallet password, private key, and seed password.

[Peer-to-peer transaction service]: ForexPay provides peer-to-peer blockchain asset transaction technical services for both users. ForexPay platform does not provide information intermediary or pricing services. Users who have transaction needs need to reach a transaction intention with other users in advance, and then use the multi-signature method to conduct peer-to-peer transactions. If there is a dispute between the two parties due to the transaction, ForexPay will participate in the arbitration.

[One-click transaction service]: The ForexPay system randomly assigns trading intention orders of ordinary one-click trading users to trader users, and trader users and ordinary users voluntarily complete peer-to-peer blockchain asset transactions. In the one-click transaction service, there are two types of users: trader users can receive orders randomly assigned by the system, while ordinary one-click trading users can conduct peer-to-peer transactions with trader users randomly assigned by the system.

[Handling Fees]: The service fee paid by the user to ForexPay or other collection parties after the user uses the services provided by ForexPay to complete the blockchain asset transaction .

[Miner Fee]: When the user transfers assets on the blockchain, the transaction confirmation fee paid to the blockchain miner node, the fee is collected by the miner.

[Transaction Accelerator]: ForexPay provides users with a service to speed up transaction confirmation on the blockchain.

2. Service content

2.1 Create or import a wallet: For blockchain assets supported by ForexPay , you can use ForexPay to generate a new wallet or import a previously generated wallet through the seed password.

2.2 Send and receive coins. You can use the functions of sending and receiving coins to manage blockchain assets, that is, to use the private key to perform electronic signatures and modify the ledger of the relevant blockchain. Sending coins means that the sender uses the receiver's blockchain address to transfer money. The actual sending and receipt of coins all take place on the relevant blockchain system (not the ForexPay platform).

2.3 Transaction Records. We will copy all or part of your transaction records through the blockchain system. Transaction records are subject to the records of the corresponding blockchain system.

2.4 Suspension or Cancel. You know that based on the 'irrevocable' nature of transactions in the blockchain system, we cannot suspend or cancel operations such as issuing coins for you.

2.5 Peer-to-peer transaction services. For details, please refer to Appendix 1 - Terms of Service for Peer-to-Peer Transactions.

2.6 One-click buying and selling services. For details, please refer to Appendix 2 - Terms of Service for One-Click Trading.

2.7 Transaction Accelerator. A service to speed up transaction confirmations on the blockchain.

2.8 Other services that ForexPay deems necessary to provide.

3. Commitment and Statement

3.1 You agree that we will provide you with local wallet management and other technical services of blockchain digital assets through the 'ForexPay ' application and related products. In order to provide you with our services, you must download the 'ForexPay ' application on your mobile device and carry out the required safekeeping of the seed password and the corresponding level of KYC certification. You voluntarily fill in the required information for ForexPay products and services such as name, phone number and other similar personal information and related property information (hereinafter referred to as 'personal information'), means that you have understood and accepted the use of your personal information and consent to our use of your personal information for providing services to you. We do not take responsibility for the authenticity and legality of the information submitted by you or other users. If you violate this agreement, we have the right to hand over the information you submit to relevant parties and pursue corresponding legal responsibilities.

3.2 You should be a natural person with full capacity for civil conduct. If you are under the age of 18, or a person with no or limited capacity for civil conduct, please use ForexPay under the guidance of your parents or guardians .

3.3 You undertake that all personal information provided to us is true, accurate and complete. We have the right to verify the personal information you provide at any time, and have the right to refuse to provide you with services or to refuse you to use ForexPay products and services without providing any reason .

3.4 In order to provide you with the above services, you agree to promise us:

• You will not use ForexPay products and services for illegal purposes, including but not limited to sending or storing any illegal information, money laundering or for fraudulent purposes; • You will not use ForexPay products and services to harass others or hinder the legitimate rights and interests of third parties ; • You will not affect Internet security or the normal operation, including but not limited to using ForexPay products and services to spread Internet viruses, launch Internet attacks, steal or destroy Internet information, etc.; • You will not try to use ForexPay products and services destructively, including but not limited to cracking ForexPay products and services or using the codes of ForexPay products and services for any purpose; • When we make reasonable requests, you will provide documents such as official and valid identification and contact information; •Use ForexPay products and services under all applicable laws of the region.

3.5 You acknowledge and agree that: to the extent permitted by law, we will have the right to investigate and take corresponding legal actions for any violation of the above agreement, including legal proceedings. We have the right to report clues to the above violations and your personal information to judicial authorities or other law enforcement agencies according to the severity of the violations, and to cooperate with investigations, hearings, and prosecutions conducted by judicial agencies or other law enforcement agencies.

3.6 Your use of the applications and services of ForexPay products and services means that you accept this agreement and agree to any and all claims, expenses, compensations, losses, debts and expenses arising from or related to the following matters (including but not limited to attorney fees and litigation fees), you shall indemnify:

• you have violated any term of this agreement or any applicable law or regulation (whether or not referred to herein);

• you violate any rights of any third party;

• You misuse the application or service.

4. Privacy Policy and Information Collection

ForexPay attaches great importance to the protection of your personal privacy, and we will collect, use, share and protect your personal information in accordance with this privacy policy (hereinafter referred to as 'this policy'). Before you use ForexPay 's products and services, please read and fully understand this policy. When you browse, visit the ForexPay platform and/or use any ForexPay product or service, you agree that we will collect, use, share and protect your personal information in accordance with this policy.

4.1 We collect, use, share and protect your personal information under the premise of complying with the laws and regulations of the country where we are located, for the purpose of providing you with ForexPay products and services and continuously improving the quality of products and services, including but not limited to support us to carry out market activities related to ForexPay products and services, improve the functions of existing products and services, and develop new products or services.

You authorize us to collect and store the following personal information about you:

• Identifying information, including but not limited to your name, identification, address, telephone number, biometric information;

• Platform operation information, including but not limited to your IP address, device model, device identifier, operating system version information;

• Payment information, including but not limited to your payment time, payment amount, payment instrument, account and other information;

• Personal credit information, including but not limited to any credit status, credit score, credit report information about you;

•Other personal information collected according to the needs of our specific products and services, including but not limited to your comments, suggestions on us and our products or services, the mobile application software you have used or frequently used, and usage scenarios and Information such as usage habits.

4.2 Protecting user privacy is a key policy of the company. Without your prior consent, ForexPay will not share or transfer your personal information to any third party, except in the following cases:

• Obtain your prior consent or authorization;

• The collected personal information is disclosed to the public by you;

• The collected personal information is collected from legally publicly disclosed information, such as legal news reports, government information disclosure and other channels;

• Sharing with ForexPay 's affiliates, we will only share necessary user information and be bound by the purpose stated in this Privacy Policy;

• In accordance with the applicable laws and regulations of the country, the requirements of legal procedures, the requirements of administrative or judicial authorities;

• When it comes to mergers and acquisitions, if it involves the transfer of personal information, ForexPay will require the recipient of personal information to continue to be bound by this policy;

• When we have reason to believe that you have violated certain (some) terms of this agreement and caused damage to ForexPay or a third party.

4.3 On the premise of not disclosing the private data of a single user, the company has the right to analyze the entire user database and make commercial use of the user database within the legal scope.

5. Scope and Limitation of Responsibility

5.1 You understand that due to the incomplete laws, regulations and policies in the field of blockchain assets around the world, blockchain assets may have major risks such as inability to cash, large price fluctuations, and technical instability. We prudently remind you that you should rationally choose to hold or dispose of any blockchain asset based on your financial situation and risk appetite.

5.2 ForexPay is responsible for providing services to you on 'current status' and 'available' basis. ForexPay does not make any express or implied warranties for services and user authentication information, including but not limited to the suitability of ForexPay services and user authentication information, no errors or omissions, continuity, accuracy, reliability, and suitability for a particular purpose. At the same time, ForexPay does not make any promises and guarantees for the validity, accuracy, correctness, reliability, quality, stability, completeness and timeliness of the technology and information involved in ForexPay services and user authentication information.

5.3 You can download the program of the ForexPay (ForexPay) platform and use the blockchain asset wallet service for free. We reserve the right to charge you for the program and/or certain services in the future.

5.4 You agree and confirm that the company only provides related network services. All equipment related network services (such as personal computers, mobile phones, other devices related to access to the Internet or mobile network) and third-party services fees (such as telephone and Internet access fees paid for accessing the Internet, and mobile phone fees paid for using mobile networks) should be borne by you.

5.5 You understand that ForexPay does not provide blockchain asset transaction intermediary and pricing services. ForexPay only acts as a technical service provider to provide users with technical services to the extent permitted by local laws. ForexPay has no control over the quality, security or legality of the blockchain assets involved in the transaction or the ability of the parties to perform their obligations under the transaction agreement. You should exercise your own discretion in determining the authenticity, legality and validity of the relevant blockchain assets and/or transactions, and bear your own liability and losses arising therefrom. If you need to use peer-to-peer transactions or one-click trading services, you must submit your real identity information, pass KYC Level B or higher identification and comply with the relevant laws and regulations of your country and region.

5.6 You promise to understand the relevant matters of transaction confirmation on the blockchain. We provide transaction accelerator services but do not guarantee you or any party that the transaction confirmation will be completed within a specific time limit. We do not take any liability or joint liability for damages.

5.7 By using and agreeing to this Agreement, you are deemed to have understood and become proficient in matters relating to blockchain assets and HD wallets, and if you still do not understand or are not confident in your understanding of such matters, you should immediately terminate your use of ForexPay products, and it is your responsibility and obligation to keep the assets in your account safe, and we are not responsible for providing training or implying liability. If you or your counterparties fail to follow the instructions and rules set forth in this Agreement or on the relevant Website and App instruction pages, ForexPay does not guarantee that the operation will be completed successfully, and ForexPay is not liable for any damages resulting from such failure. In the event that the foregoing occurs and the blockchain assets are first credited to your or your counterparty's ForexPay wallet or third party wallet, you understand the 'irreversible' nature of the blockchain operation and the 'irrevocable' nature of the relevant transaction. You and your counterparties bear the risk and consequences of such transactions.

5.8 You understand that when you create or import a wallet on ForexPay, your seed password, private key, password, etc. are only stored on your current mobile device and not on ForexPay's servers. However, if you do not save or backup your wallet seed password, private key, etc. and if your mobile device is lost or damaged, your blockchain assets will be lost and ForexPay will not be able to retrieve them for you and you will be responsible for the corresponding losses. If your information is compromised when you export, save or backup your seed password, private key, password, etc., or if the device or server where you save or backup the above information is hacked or controlled, your blockchain assets will be lost and ForexPay will not be able to retrieve them for you and you will be responsible for the corresponding losses.

5.9 Unless clearly required by laws and regulations, or in the following circumstances, ForexPay is not obliged to conduct prior review of all users' information data, blockchain asset information, transaction behavior and other matters related to transactions:

• ForexPay has reasonable grounds to believe that there may be major violations of law or breach of contract for specific members and specific transaction matters.

• ForexPay has reasonable grounds to believe that the user's behavior in ForexPay is suspected of being illegal or improper.

5.10 You agree and accept that the ForexPay platform has the right to provide differentiated services at different time periods, different regions or different network sources for reasonable reasons. ForexPay does not guarantee that users in all periods, all regions or all network sources can always get platform responses. ForexPay shall not be liable for the service limitation or loss caused by the user .

5.11 You understand and agree that ForexPay shall not be liable for any damage to you caused by any of the following circumstances, including but not limited to loss of profits, credibility, use, data, etc. or other intangible losses (whether ForexPay have been advised of the possibility of such damages):

• ForexPay has reasonable grounds to believe that there may be major violations of law or breach of contract for specific users and specific transactions.

• ForexPay has reasonable grounds to believe that the user's behavior in ForexPay is suspected of being illegal or improper.

• Expenses and losses arising from the purchase or acquisition of any data, information or transactions through ForexPay services or alternative behaviors.

• Your misunderstanding of ForexPay services.

• Any other losses related to ForexPay services not caused by ForexPay .

• In any case, ForexPay shall not be liable for any failure or delay in service due to normal equipment maintenance of the information network, failure of the information network connection, failure of computers, communications or other systems, power failure, strikes, labor disputes, riots, insurrections, disturbances, lack of productivity or means of production, fires, floods, storms, explosions, wars, acts of government, orders of judicial and administrative authorities or inaction of third parties.

• You agree that neither ForexPay nor its contractors, licensors and all of its directors, officers, staff and agents shall be liable for any costs and claims, including attorneys' fees, arising out of or in connection with the use of the Services, including, without limitation, your breach of this Agreement.

5.12 You agree that the functions provided by the ForexPay (ForexPay) Platform are subject to the relevant laws, regulations and governing ordinances of the Hong Kong Special Administrative Region of the People's Republic of China, and in the event of any conflict with the functions and regulations of this product, the laws, regulations and governing ordinances of each location shall be the supreme guideline. Any direct or indirect violation of local laws, regulations and administrative rules through the ForexPay (ForexPay) platform services, the consequences of which shall be borne by the user. If there is a need for proof, we can provide relevant information to the relevant authorities as evidence.

6. Service Change, Interruption or Termination

6.1 You understand and agree that the company needs to regularly or irregularly overhaul or maintain the platforms (such as Internet sites, mobile networks, etc.) or related equipment that provide network services, and that the ability to connect to the Internet is subject to existing uncertainties such as global network stability, state of technology, the location and network used by users, power supply, government controls, computer viruses, hacker attacks, etc. The Company is not responsible for any interruption of services caused by such circumstances, and no prior notice is required except under special circumstances.

6.2 We have the right to interrupt or terminate the provision of all or part of the network services under this Agreement to you at any time without any liability to you or any third party in the event of any of the following circumstances.

• The personal data you provide is not true;

• You violate the rules of use set forth in this Agreement;

• You fail to pay the corresponding service fee to the company according to the regulations when you use the paid network service;

• Your behavior violates laws and regulations or government regulations.

6.3 In the situation that any user's registered account or use of the ForexPay (ForexPay) platform in a manner that violates the requirements of laws and regulations or relevant national policies, or infringes on the legal rights of any third party, we have the right to prohibit the user from continuing to use the account or stop the user from continuing to use the ForexPay (ForexPay) platform, or to provide the relevant information to the government and relevant law enforcement agencies in accordance with relevant laws or governmental orders.

7. Software License

The ForexPay software is developed by ForexPay LIMITED and all intellectual property rights, including copyrights, trademarks, patents, trade secrets, and all related information content, including but not limited to: text expressions and combinations thereof, icons, graphics, diagrams, colors, interface design, layout frames, related data, printed materials, or electronic files, of the ForexPay software are protected by the laws of the Hong Kong Special Administrative Region of the People's Republic of China and the corresponding international treaties and other intellectual property laws and regulations, except authorizing software and service from third party, CIPHER GROUP LIMITED enjoys the above intellectual property rights.

Without the written consent of the Company, the user shall not implement, utilize, transfer or license any third party to implement, utilize or transfer the above intellectual property rights for any profit or non-profit purposes, and we reserve the right to pursue the above unauthorized acts.

8. Third-party links, API and DAPP services

All ForexPay products and services may contain links to third-party websites (hereinafter referred to as 'linked websites').

The 'Linked Sites' are not under the control of our company, and we are not responsible for the content of any 'Linked Sites', including but not limited to any links contained in the 'Linked Sites', or any changes or updates to the 'Linked Sites'. We are not responsible for network transmission or other forms of transmission received by the 'Linked Sites'.

All ForexPay products and services may contain links to third-party API or DAPP services. Third-party API or DAPP services are not controlled by our company. For any service through third-party API or DAPP, when you use the third-party API or DApp service integrated by ForexPay, please read this agreement and APP prompts carefully, understand the transaction or service objects and product information, and carefully evaluate the risks before taking action. All your actions on third-party APIs or DAPPs are your personal actions, and a binding contractual relationship is established between you and them, and has nothing to do with ForexPay. ForexPay is not responsible for all risks, liabilities, losses and expenses caused by your trading behavior.

9. Period of the agreement

This is an open-ended agreement, and we have the right to terminate the contract at any time with immediate effect if you have the following behaviors:

• you have violated or breach any term of this Agreement;

• We believe you are misusing the app or service.

10. Force Majeure

'Force Majeure' means an event beyond ForexPay's control, unforeseeable or even if foreseen, unavoidable, which prevents, affects or delays ForexPay's performance of all or part of its obligations under the terms of this Agreement. Such events include, but are not limited to, governmental acts, natural disasters, war, strikes, hacker attacks, computer viruses, network failures, etc. Force majeure may result in the inaccessibility of ForexPay website and mobile client, slow access, loss of stored data, leakage of personal information of users and other adverse consequences.

To the extent permitted by law and regardless of the circumstances, ForexPay shall not be liable for any failure or delay in service due to force majeure factors such as maintenance of information network equipment, failure of information network connection, failure of computer, communication or other systems, power failure, strikes, labor disputes, riots, insurrections, disturbances, lack of productivity or means of production, fire, floods, storms, explosions, war, acts of government, orders of judicial and administrative authorities, other force majeure or inaction of third parties, and for damages suffered by users as a result thereof.

11. Others

If a provision(s) of this User Services Agreement is determined to be invalid, the validity and enforcement of the other provisions in such case shall not be affected and we may determine whether to continue to perform such other provisions. We reserve the right at any time to modify or replace the terms of this User Services Agreement, or to change, suspend or discontinue the Services or the Application (including, without limitation, the availability of any feature, database or content). If you do not agree with any changes we make to this User Services Agreement, you have the right to stop using the Services. If you continue to use the Services, you will be deemed to have accepted our modifications to this User Services Agreement.

Any translated version of this Agreement (if any) is provided for your convenience only and is not intended to modify the terms of this Agreement. In the event of a conflict between the Chinese and non-Chinese versions of this Agreement, the Chinese version shall prevail.

12. Jurisdictional Agreement

This agreement is governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China. The courts of the Hong Kong Special Administrative Region of the People's Republic of China shall have jurisdiction over any conflict, indemnity or dispute arising out of or relating to the breach, termination, performance, interpretation or validity of this Agreement, or the use of the Site, ForexPay products and services (collectively, the 'disputes').

For matters not covered in this agreement, you shall abide by the announcements and relevant rules updated by ForexPay from time to time.

Attachment 1: Peer-to-Peer Transaction (Multi-Signature) Terms of Service

1. Statement

The terms and conditions attached hereto are a valid part of the User Service Agreement and are inseparable from the main agreement and have the same legal effect. In the event of a dispute between a clause(s) and the User Service Agreement, our company shall have the final right of interpretation. You must agree to accept these terms and conditions before using the peer-to-peer trading services provided by the ForexPay platform. By filling in the information, submitting documents, reading and agreeing to this Agreement and completing the registration process as we have agreed, you have fully read, understood and accepted this Agreement in its entirety. If you do not agree to accept any of the terms and conditions, you should immediately stop the registration process and stop using the relevant services.

2. Service

2.1 The ForexPay (ForexPay) platform provides you with blockchain asset transaction technical services, and provides arbitration services when needed by users, so as to facilitate peer-to-peer transactions between you and other users.

2.2 To avoid misunderstandings, we would like to clarify the following: ForexPay (ForexPay) platform does not provide proprietary trading services for blockchain assets, nor does it provide trading intermediary and pricing services. The peer-to-peer trading service is a web-based information technology platform that provides technical support to facilitate peer-to-peer transactions between you and other users. The ForexPay platform is not responsible for any disputes or controversies that may arise in the course of the transaction, nor is it responsible for any losses that may be suffered by either party in the course of using the peer-to-peer trading service, and both parties should resolve the relevant matters on their own, and if they cannot reach a consensus, they can request ForexPay to arbitrate, or If you cannot reach a consensus, you can request ForexPay to arbitrate, or sue the other user you are trading with.

2.3 For the fees you pay or receive for services provided to other users or blockchain miners using peer-to-peer transaction services, the parties involved in the transaction will provide each other with corresponding receipts, and has nothing to do with the ForexPay platform.

3. Rules for the use of peer-to-peer trading services

3.1 Users who use peer-to-peer trading services must create an HD wallet, register and undergo KYC Level B or higher authentication. After successful registration, the Company will give each user a user account (UID), which is owned by the Company, and the user will obtain the right to use the account after completing the application registration process. The right to use the account belongs to the initial applicant only and any form of alienation, including but not limited to gifting, borrowing, renting, transferring or selling, is prohibited. The user assumes responsibility for the HD Wallet password, account number and password, and is solely responsible for all activities under the user's account and password (whether or not done by the user or with the user's authorization). User accounts are not HD Wallet Passwords and are not directly related to the blockchain assets held by the user, but are only used when using ForexPay services, and the recovery of the account will not result in any change in ownership or loss of the user's blockchain assets.

3.2 Users should not transfer or lend their HD wallet seed passwords, account numbers and passwords to others. If the user finds that his account has been illegally used by others, he should notify the company immediately. All responsibility for the illegal use of account and password by others due to hacking or the user's negligence in custody shall be borne by the user himself, and the company shall not take any responsibility. If it causes loss to the company, the user agrees to compensate the company for the loss.

3.3 Users of peer-to-peer trading services should provide true and accurate personal and transaction information when conducting blockchain technology-based transactions with other users. If a user repeatedly fails to execute or delays the execution of another user's transaction orders without any reason, we have the right to charge the user a late fee, subject to the rules of the ForexPay (ForexPay) platform, and to suspend the user from using all or part of the ForexPay (ForexPay) platform services until the user completes the payment of the late fee.

3.4 In the event of a dispute between you and another user using the peer-to-peer trading service, ForexPay or a third party authorized by ForexPay or agreed to by you and ForexPay shall have the right to accept disputes arising from transactions between you and other members based on your irrevocable authorization, and shall have the right to unilaterally determine the facts and the rules applicable to such dispute and make decisions on how to handle it, including but not limited to The decision to deal with the dispute includes, but is not limited to, adjusting the transaction status of the relevant order and instructing the third party payment company or customer service to pay all or part of the disputed payment to one or both parties to the transaction. Such processing decision shall be binding on you.

3.5 You understand and agree that ForexPay or a third party authorized by ForexPay or agreed to by you and ForexPay is not a judicial body and can only identify evidence as a layman, and that mediation of disputes by ForexPay or a third party authorized by ForexPay or agreed to by you and ForexPay is based solely on your irrevocable authorization. ForexPay, or a third party authorized by ForexPay or agreed by you and ForexPay, is solely based on your irrevocable authorization and cannot guarantee that the outcome of the Dispute will meet your expectations, nor can it be held responsible for the outcome of the Dispute. If you suffer damages as a result, you agree to seek reimbursement from the beneficiary.

3.6 In the process of using ForexPay (ForexPay) platform peer-to-peer transaction services, users must follow the following principles:

• Comply with the relevant laws and regulations of the Hong Kong Special Administrative Region of the People's Republic of China;

• Comply with the relevant laws and regulations of the country or region where the user is located;

• Comply with all network protocols, regulations and procedures related to network services;

• Do not use the network service system for any illegal purpose;

• Do not use ForexPay (ForexPay) platform services in any form to infringe on the company's commercial interests, including but not limited to publish commercial advertisements that are not licensed by the company;

• Do not use the ForexPay (ForexPay) platform network service system for any behavior that may adversely affect the normal operation of the Internet or mobile network

• Do not use the network services provided by this product to upload, display or disseminate any false, harassing, slanderous, abusive, threatening, vulgar and obscene or any other illegal information data;

•Do not infringe any other third party's patent, copyright, trademark, reputation or any other legal rights;

• Do not use the ForexPay (ForexPay) platform service system for any behavior that is not conducive to the company.

Attachment 2: Terms of Service for One-Click Trading

1. Statement

The terms and conditions attached hereto are a valid part of the User Service Agreement and are inseparable from the main agreement and have the same legal effect. In the event of a dispute between a clause(s) and the User Service Agreement, our company has the final right of interpretation. You must agree to accept these terms and conditions before using the one-click buying and selling services provided by the ForexPay (ForexPay) platform. By filling in the information, submitting documents, reading and agreeing to this Agreement and completing the registration process as we have agreed, you have fully read, understood and accepted the Terms in their entirety. If you do not agree to accept any of the terms and conditions, you should immediately stop the registration process and stop using the relevant services.

According to the relevant laws and regulations of the People's Republic of China, the one-click trading service is not available to users in mainland China. The One Click Trading Service only supports transactions denominated in U.S. Dollars or Euros, so please use the service in compliance with the laws and regulations of your location.

2. Service

2.1 The ForexPay (ForexPay) platform randomly assigns orders of trading intentions of regular one-click buying and selling users to trader users, and the trader users and regular users voluntarily complete peer-to-peer blockchain asset trading. In the one-click trading service, there are two types of users: trader users can receive orders randomly assigned by the system, while regular one-click trading users can make peer-to-peer transactions with trader users randomly assigned by the system.

2.2 To avoid misunderstanding, we would like to clarify the following: ForexPay platform does not provide proprietary trading services for blockchain assets, nor does it provide trading information medium and pricing services. The one-click trading service is a web-based information technology platform that provides technical support services between you and other users of the one-click trading service to assist you in reaching agreements on blockchain asset transactions with other users of the one-click trading service. Both parties should resolve the related matters by themselves.

2.3 For the fees you pay or receive for services provided by other users or blockchain miners using the one-click trading service, the users of the one-click trading service and the transaction parties will provide each other with corresponding receipts, and has nothing to do with ForexPay platform.

3. One-click trading service usage rules

3.1 Users who use the one click trading service must create an HD wallet, register and have KYC Level B or higher certification. After successful registration, the Company will give each user a user account (UID), which is owned by the Company, and the user will obtain the right to use the account after completing the application registration process. The right to use the account belongs to the initial applicant only and any form of alienation, including but not limited to gifting, borrowing, renting, transferring or selling, is prohibited. The user assumes responsibility for the HD Wallet password, account number and password, and is solely responsible for all activities under the user's account and password (whether or not done by the user or with the user's authorization). User accounts are not HD Wallet Passwords and are not directly related to the blockchain assets held by the user, but are only used when using ForexPay services, and the recovery of the account will not result in any change in ownership or loss of the user's blockchain assets.

3.2 Users should not transfer or lend their HD Wallet seed password, account number or password to others. If you find that your account is being used illegally by others, you should notify us immediately. The Company shall not be held responsible for any liability arising from the illegal use of the account or password by others due to hacking or the user's negligence in storage. If this causes the company's loss, the user agrees to compensate the company for the loss.

3.3 Trader users and other one-click trading users are required to provide true and accurate personal and trading information when trading. If a trader user repeatedly fails to execute or delays execution of a one-click trading request randomly assigned by ForexPay (ForexPay) platform without any reason, we have the right to charge the trader user a late fee, subject to ForexPay (ForexPay) platform rules, and to suspend the user from using all or part of ForexPay (ForexPay) platform services until the trader user completes payment of the late fee.

3.4 In the process of using ForexPay ( ForexPay ) platform one-click trading service, users must follow the following principles:

• Comply with the relevant laws and regulations of the Hong Kong Special Administrative Region of the People's Republic of China;

• Comply with the relevant laws and regulations of the country or region where the user is located;

• Comply with all network protocols, regulations and procedures related to network services;

•Do not use the network service system for any illegal purpose;

• Do not use ForexPay ( ForexPay ) platform services in any form to infringe on the company's commercial interests, including but not limited to publishing commercial advertisements that are not licensed by the company;

• Do not use the ForexPay (ForexPay) platform network service system for any behavior that may adversely affect the normal operation of the Internet or mobile network

• Do not use the network services provided by this product to upload, display or disseminate any false, harassing, slanderous, abusive, threatening, vulgar and obscene or any other illegal information data;

•Do not infringe any other third party's patent, copyright, trademark, reputation or any other legal rights;

• Do not use the ForexPay (ForexPay) platform service system for any behavior that is not conducive to the company.