Common use of PLEASE READ THIS RISK DISCLOSURE STATEMENT CAREFULLY Clause in Contracts

PLEASE READ THIS RISK DISCLOSURE STATEMENT CAREFULLY. BY EXECUTING THE AGREEMENT, ACKNOWLEDGEMENT AND CONFIRMATION, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS RISK DISCLOSURE STATEMENT AND UNDERSTAND THE RISKS APPLICABLE TO THE SERVICES AND PRODUCTS. The main risk of utilizing these services and information is the loss capital and or of points on your credit score, potentially of not being able to pay back debt incurred, experiencing derogatoriness on credit report. Collection efforts from banks and creditors and potential consequence of those efforts. You should therefore carefully consider whether such service entered directly by you is suitable for you in light of your personal objectives, financial circumstances, your tolerance to risks and your experience. In considering whether to learn about credit, business and finance or invest at your own discretion, you should inform yourself and be aware of the risks generally, and in particular should note the following: The risk of loss arising from the use of the services and information can be substantial. You should carefully consider the use of the services for funding and educational products are suitable for you in the light of your personal abilities, circumstances, and financial resources. You should be aware of the following points – • People fail in business all the time in spite of their best effort • No system is fool proof and there are always risk in any endeavour that one desires to engage in • Although there are solutions to any credit or debt problem that have worked in the pass there are no guarantees that they will continue to work in the future This brief statement cannot disclose all risks of credit funding and entering into business. Credit funding may not be suitable for all members of the public and you should carefully study your own ability to handle such responsibilities before you commit to using these services and information. The additional income you may earn will also have tax consequences and on this you should consult your lawyer, accountant, or other tax advisor.