Common use of Prohibited Businesses Clause in Contracts

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx By opening a Metal X Account, you confirm that you will not use Metal X Services in connection with any of following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X the Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X the Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx://xxx.xxxxx.xxx/en-us/customer-service. By opening a Metal X an Account, you confirm that you will not use Metal X the Services in connection with any of the following businesses, activities, practices, or items: • ● Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • ● Restricted Financial Services: Check cashing, bail bonds; collections agencies. • ● Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • ● Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • ● Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-state- by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X XxxxXxxxx.XXX Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network card network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X XxxxXxxxx.XXX Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx at: xxxxx://XxxxXxxxx.XXX By opening a Metal X XxxxXxxxx.XXX Account, you confirm that you will not use Metal X XxxxXxxxx.XXX Services in connection with any of following businesses, activities, practices, or items: • Investment and Credit Services: Securities securities brokers; mortgage consulting or debt reduction services; credit counseling counselling or repair; real estate opportunities; investment schemes • schemes; Restricted Financial Services: Check check cashing, bail bonds; collections agencies. • ; Intellectual Property or Proprietary Rights Infringement: Salessales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization authorisation from the rights holder • holder; Counterfeit or Unauthorized Unauthorised Goods: Unauthorized unauthorised sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen; Regulated Products and Services: Marijuana marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; Drugs and Drug Paraphernalia: sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporisers, and hookahs; Pseudo-Pharmaceuticals: pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body; Substances designed to mimic illegal drugs:** sale of a legal substance that provides the same effect as an illegal drug (e.g. salvia, kratom); Adult Content and Services: pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services with varying such as prostitution, escorts, pay-per view, adult live chat features; Multi-level Marketing: pyramid schemes, network marketing, and referral marketing programs; Unfair, predatory or deceptive practices: investment opportunities or other services that promise high rewards; sale or resale of a service without added benefit to the buyer; resale of government offerings without authorisation or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers; and High-risk businesses: any businesses that we believe poses elevated financial risk, legal status on a state-by-state basisliability, or violates card network or bank policies.

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X SIMEX Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X SIMEX Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxxxx@xxxxx.xxxxxx. By opening a Metal X SIMEX Account, you confirm that you will not use Metal X SIMEX Services in connection with any of following businesses, activities, practices, or items: • ● Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • ● Restricted Financial Services: Check cashing, bail bonds; collections agencies. • ● Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • ● Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • ● Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materialsmaterials ● Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs ● Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body ● Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom) ● Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); products sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features ● Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs ● Unfair, predatory or deceptive practices: Investment opportunities or other services that promise high rewards; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers ● High risk businesses: any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies Conditional Use Express written consent and approval from SIMEX must be obtained prior to using SIMEX Services for the following categories of business and/or use ("Conditional Uses"). Consent may be requested by contacting us at xxxxxxx@xxxxx.xxxxxx. SIMEX may also require you to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if you use SIMEX Services in connection with varying legal status any of following businesses, activities, or practices: ● Money Services: Money transmitters, Digital Currency transmitters; currency or Digital Currency exchanges or dealers; gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the SIMEX Services ● Charities: Acceptance of donations for nonprofit enterprise ● Games of Skill: Games which are not defined as gambling under this Agreement or by law, but which require an entry fee and award a prize ● Religious/Spiritual Organizations: Operation of a for-profit religious or spiritual organization APPENDIX 2: VERIFICATION PROCEDURES AND LIMITS SIMEX uses multi-level systems and procedures to collect and verify information about you in order to protect SIMEX and the community from fraudulent users, and to keep appropriate records of SIMEX's customers. Your access to one or more SIMEX Services, and limits including daily or weekly Conversion limits, withdrawal and trading limits, Instant Buy limits, Currency Wallet transfer limits, and limits on transactions from a statelinked payment method may be based on the identifying information and/or proof of identity you provide to SIMEX. SIMEX may require you to provide or verify additional information, or to wait some amount of time after completion of a transaction, before permitting you to use any SIMEX Services and/or before permitting you to engage in transactions beyond certain volume limits. You may determine the volume limits associated with your level of identity verification by visiting your account's page. You may submit a request at xxxxx://xxxxx.xxxxxx/en/contacts to request larger limits. SIMEX will require you to submit to Enhanced Due Diligence. Additional fees and costs may apply, and SIMEX does not guarantee that we will raise your limits. APPENDIX 3: E-by-state basisSIGN DISCLOSURE AND CONSENT This policy describes how SIMEX delivers communications to you electronically. We may amend this policy at any time by providing a revised version on our website. The revised version will be effective at the time we post it. We will provide you with prior notice of any material changes via our website.

Prohibited Businesses. In addition to the Prohibited Uses described above, the The following categories of businesses, businesses and business practices, and sale items practices are barred prohibited from Metal X Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of using our banking providers or processorsServices. The specific types of use businesses listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services involves business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx By opening a Metal X Account, you confirm us. You are confirming that you will not use Metal X Services the Service in connection with any of the following businesses, activities, business activities or business practices, or items: . • Investment and & Credit Services: services • Securities brokers; mortgage Brokers • Mortgage consulting or debt reduction services; credit • Credit counseling or repair; real estate opportunities; investment schemes repair • Restricted Financial Services: Check Lending instruments • Money and legal services • Money transmitters, check cashing, bail bondswire transfers, money orders; collections agencies. currency exchanges or dealers • Bail bonds • Collections agencies • Virtual currency or stored value Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); • Sale of stored value or credits maintained, accepted and issued by anyone other than the seller • IP Infringement • Regulated or illegal products and services • Intellectual Property property or Proprietary Rights Infringement: proprietary rights infringement • Sales, distributionDistribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder holder; • Any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party; • Counterfeit or Unauthorized Goods: unauthorized goods • Unauthorized sale or resale of brand name or designer products or services; sale • Sale of goods or services that are illegally imported or exported • Gambling Lotteries; bidding fee auctions • Sports forecasting or which are stolen odds making • Fantasy sports leagues with cash prizes • Internet gaming, contests, sweepstakes, games of chance • Regulated Products and Services: or illegal products or services • Marijuana dispensaries and related businesses; sale • Sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age liquid • Online pharmacies • Age restricted goods or services; weapons services • Weapons and munitions; gunpowder munitions • Gunpowder and other explosives; fireworks explosives • Fireworks and related goods; toxicgoods • Toxic, flammableFlammable, and radioactive materials; products materials • Products and services with varying legal status on a state-by-state basisbasis • Goods or services, the sale of which is illegal under applicable law in the jurisdictions to which your business is targeted or directed • Adult content and services • Pornography and other obscene materials (including literature, imagery and other media) • Any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features • Unfair, predatory, or deceptive practices • Get rich quick schemes • Investment opportunities or other services that promise high rewards • Mugshot publication or pay-to-remove sites • Platforms that facilitate the publication and removal of content (such as mugshots), where the primary purpose of posting such content is to cause or raise concerns of reputational harm • No-value-added services • Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers • Products or services that are otherwise prohibited by our partners • Any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds • Drug paraphernalia • Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs • Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body • Social media activity, Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity • Substances designed to mimic illegal drugs • Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom) • Video game or virtual world credits • Sale of in-game currency unless the merchant is the operator of the virtual world • Any business that kwiqreply determines in our sole discretion to be unfair, deceptive, or predatory towards consumers • Use of Services in a manner inconsistent with its use intended by us at our sole discretion or as expressly prohibited by us. If you have any questions about prohibited businesses, get in touch with us at xxxxx@xxxxxxxxx.xx Account Registration You agree to provide accurate, current and complete information during the registration process and to update such information to keep it accurate, current and complete. kwiqreply reserves the right to suspend or terminate the account or access to our Services

Prohibited Businesses. In addition to the Prohibited Uses described above, the The following categories of businesses, businesses and business practices, and sale items practices are barred prohibited from Metal X Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of using our banking providers or processorsServices. The specific types of use businesses listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services involves business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx By opening a Metal X Account, you confirm us. You are confirming that you will not use Metal X Services the Service to in connection with any of the following businesses, activities, business activities or business practices, or items: • . ● Investment and & Credit Services: services ● Securities brokers; mortgage Brokers ● Mortgage consulting or debt reduction services; credit ● Credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check repair ● Lending instruments ● Money and legal services ● Money transmitters, check cashing, bail bondswire transfers, money orders; collections agencies. • currency exchanges or dealers ● Bail bonds ● Collections agencies ● Virtual currency or stored value Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); ● Sale of stored value or credits maintained, accepted and issued by anyone other than the seller ● IP Infringement ● Regulated or illegal products and services ● Intellectual Property property or Proprietary Rights Infringement: proprietary rights infringement ● Sales, distributionDistribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder; ● Any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party; ● Counterfeit or Unauthorized Goods: unauthorized goods ● Unauthorized sale or resale of brand name or designer products or services; sale ● Sale of goods or services that are illegally imported or exported ● Gambling Lotteries; bidding fee auctions ● Sports forecasting or which are stolen • odds making ● Fantasy sports leagues with cash prizes ● Internet gaming, contests, sweepstakes, games of chance ● Regulated Products and Services: or illegal products or services ● Marijuana dispensaries and related businesses; sale ● Sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age liquid ● Online pharmacies ● Age restricted goods or services; weapons services ● Weapons and munitions; gunpowder munitions ● Gunpowder and other explosives; fireworks explosives ● Fireworks and related goods; toxicgoods ● Toxic, flammableFlammable, and radioactive materials; products materials ● Products and services with varying legal status on a state-by-state basisbasis ● Goods or services, the sale of which is illegal under applicable law in the jurisdictions to which your business is targeted or directed ● Adult content and services ● Pornography and other obscene materials (including literature, imagery and other media) ● Any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features ● Unfair, predatory, or deceptive practices ● Get rich quick schemes ● Investment opportunities or other services that promise high rewards ● Mug shot publication or pay-to-remove sites ● Platforms that facilitate the publication and removal of content (such as xxx xxxxx), where the primary purpose of posting such content is to cause or raise concerns of reputational harm ● No-value-added services ● Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers ● Products or services that are otherwise prohibited by our partners ● Any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds ● Drug paraphernalia ● Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs ● Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body ● Social media activity, Sale of Twitter followers, Facebook likes, YouTube views, and other forms of social media activity ● Substances designed to mimic illegal drugs ● Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom) ● Video game or virtual world credits ● Sale of in-game currency unless the merchant is the operator of the virtual world ● Any business that Bourbon determines in our sole discretion to be unfair, deceptive, or predatory towards consumers ● Use of Services in a manner inconsistent with its use intended by us at our sole discretion or as expressly prohibited by us. If you have any questions about prohibited businesses, get in touch with us at xxxxxxx@xxxx.xx

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X AKB Fintech Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X AKB Fintech Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx AKB Fintech xxxxx://xxxxxxx.xxxxxxxxxx.xxx. By opening a Metal X AKB Fintech Account, you confirm that you will not use Metal X AKB Fintech Services in connection with any of following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • schemes. Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder. Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen. Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basissale

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X the Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X the Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx://xxx.xxxxx.xxx/customer-service/ By opening a Metal X an Account, you confirm that you will not use Metal X the Services in connection with any of following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X XxxXxxx.xxx Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X CorCoin Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx through our Contact Page or Help Center. By opening a Metal X XxxXxxx.xxx Account, you confirm that you will not use Metal X CorCoin Services in connection with any of following businesses, activities, practices, or items: item. • Unlicensed Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; unlicensed investment schemes schemes. • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder holder. • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen stolen. • Regulated Products and Services, without the Associated License: Marijuana including marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-e- liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials. • Drugs and Drug Paraphernalia: Sale of narcotics and controlled substances, including substances designed to mimic illegal drugs. • Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body. • Illegal Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); products sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features. • Illegal or Unlicensed Gambling and Gaming Services; sites offering any such gambling and/or gaming services. • Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs. • Unfair, predatory or deceptive practices: Investment opportunities or other services with varying that promise high rewards, including ICO’s; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers. • High risk businesses: any businesses that we believe poses elevated financial risk, legal status on a state-by-state basisliability, or violates card network or bank policies. Conditional Use

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X the Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X the Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx://xxx.xxxxx.xxx/en-us/customer-service. By opening a Metal X an Account, you confirm that you will not use Metal X the Services in connection with any of following businesses, activities, practices, or items: •  Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes •  Restricted Financial Services: Check cashing, bail bonds; collections agencies. •  Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder •  Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen •  Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-state- by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Xxxxxxxxxx.xxx Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Btscryptos Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx through our Contact Page or Help Center. By opening a Metal X Xxxxxxxxxx.xxx Account, you confirm that you will not use Metal X Btscryptos Services in connection with any of following businesses, activities, practices, or items: item. • Unlicensed Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; unlicensed investment schemes schemes. • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder holder. • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen stolen. • Regulated Products and Services, without the Associated License: Marijuana including marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-e- liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials. • Drugs and Drug Paraphernalia: Sale of narcotics and controlled substances, including substances designed to mimic illegal drugs. • Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body. • Illegal Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); products sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features. • Illegal or Unlicensed Gambling and Gaming Services; sites offering any such gambling and/or gaming services. • Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs. • Unfair, predatory or deceptive practices: Investment opportunities or other services with varying that promise high rewards, including ICO’s; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers. • High risk businesses: any businesses that we believe poses elevated financial risk, legal status on a state-by-state basisliability, or violates card network or bank policies. Conditional Use

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Xxxxxxxxxx.xxx Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Hitscrypto Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx through our Contact Page or Help Center. By opening a Metal X Xxxxxxxxxx.xxx Account, you confirm that you will not use Metal X Hitscrypto Services in connection with any of following businesses, activities, practices, or items: item. • Unlicensed Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; unlicensed investment schemes schemes. • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder holder. • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen stolen. • Regulated Products and Services, without the Associated License: Marijuana including marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-e- liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials. • Drugs and Drug Paraphernalia: Sale of narcotics and controlled substances, including substances designed to mimic illegal drugs. • Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body. • Illegal Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); products sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features. • Illegal or Unlicensed Gambling and Gaming Services; sites offering any such gambling and/or gaming services. • Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs. • Unfair, predatory or deceptive practices: Investment opportunities or other services with varying that promise high rewards, including ICO’s; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers. • High risk businesses: any businesses that we believe poses elevated financial risk, legal status on a state-by-state basisliability, or violates card network or bank policies. Conditional Use

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Services ("Prohibited Pennhaven(“prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services Pennhaven involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx By opening a Metal X Pennhaven Account, you confirm that you will not use Metal X Pennhaven Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • schemes; Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder; Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen; Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis; Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs; Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body; Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom); Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features; Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs; Unfair, predatory or deceptive practices: Investment opportunities or other services that promise high rewards; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers; High risk businesses: any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies. Conditional Use Express written consent and approval from Pennhaven must be obtained prior to using Pennhaven Services for the following categories of business and/or use ("Conditional Uses"). Consent may be requested by contacting us. Pennhaven may also require you to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if you use Pennhaven Markets Services in connection with any of following businesses, activities, or practices: Money Services: Money transmitters, Digital Currency transmitters; currency or Digital Currency exchanges or dealers; gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the Pennhaven Services; Charities: Acceptance of donations for nonprofit enterprise; Games of Skill: Games which are not defined as gambling under this Agreement or by law, but which require an entry fee and award a prize; Religious/Spiritual Organizations: Operation of a for-profit religious or spiritual organizations. APPENDIX 2: VERIFICATION PROCEDURES AND LIMITS As a regulated financial service company operating in the US we are required to identify users on our platform. This ensures we remain in compliance with KYC/AML laws in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer digital currency exchange services to our customers. Pennhaven and our affiliates collect and verify information about you in order to: (a) protect Pennhaven and the community from fraudulent users, and (b) to keep appropriate records of Pennhaven customers, and (c) manage any transaction limitations All customers who wish to use Pennhaven Services, including the sending and receiving of Digital Assets reconciled to a blockchain, are required to establish a Pennhaven Account by: ● Providing your name and valid email address, password and your state and country of residence, and certify that you are 18 years or older, ● Accepting Terms of Service, onboarding confirmations, Subscriber Agreement and Privacy Policy, and ● Verifying your identity by submitting the following information (Pennhaven reserves the right to request additional information as needed; additional information may be requested of entities such as companies and trusts):

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X the Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X the Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx@xxxx.xxx By opening a Metal X an Account, you confirm that you will not use Metal X the Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-e- cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-state- by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Services CoinList ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services CoinList involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxxxx@xxxxxxxx.xx . By opening a Metal X CoinList Account, you confirm that you will not use Metal X CoinList Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • schemes; Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder; Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen; Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis;

Prohibited Businesses. In addition to the Prohibited Uses described above, the The following categories of businesses, business practices, and sale items are barred from Metal X Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are Client is uncertain as to whether or not your use of Metal X Custodial Services involves a Prohibited Business, Business or have has questions about how these requirements apply to youClient, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxxxx@xxxxx.xxx. By opening a Metal X Custodial Account, you confirm Client confirms that you Client will not use Metal X the Custodial Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check cashing, bail bonds; , collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder. Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen. Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis. Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs. Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body. Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom). Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features. Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs. promise high rewards; sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers. Gambling Services. Weapons Manufacturers/Vendors. Hate Groups.

Prohibited Businesses. In addition to the Prohibited Uses described above, the The following categories of businesses, business practices, and sale items are barred from Metal X the Custodial Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are Client is uncertain as to whether or not your Client’s use of Metal X the Custodial Services involves a Prohibited Business, Business or have has questions about how these requirements apply to youClient, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxxxx@xxxxx.xxx. By opening a Metal X Custodial Account, you confirm Client confirms that you Client will not use Metal X the Custodial Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • ● Restricted Financial Services: Check cashing, bail bonds; , collections agencies. • ● Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder. ● Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen. ● Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis. ● Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs. ● Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body. ● Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom). ● Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features. ● Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs. ● Unfair, Predatory or Deceptive Practices: Investment opportunities or other services that promise high rewards; sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers. ● Gambling Services. ● Weapons Manufacturers/Vendors. ● Hate Groups. ● Money Services: Gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the Custodial Services. ● Crowdfunding. ● Resell any of the Custodial Services or software. ● High-risk Businesses: any businesses that we believe pose elevated financial risk or legal liability. Conditional Use Express written consent and approval from Trust Company must be obtained prior to using Custodial Services for the following categories of business and/or use (“Conditional Uses”). Consent may be requested by contacting Trust Company at xxxxxxx@xxxxx.xxx. Trust Company may also require Client to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if Client uses the Custodial Services in connection with any of the following businesses, activities, or practices: ● Charities: Acceptance of donations for nonprofit enterprise. ● Games of Skill: Games which are not defined as gambling under this Agreement or by Applicable Law, but which require an entry fee and award a prize. ● Religious/Spiritual Organizations: Operation of a for-profit religious or spiritual organization. ● Digital Currency Services: Operation of a Bitcoin (“BTC”) ATM, BTC mining, BTC exchange, or other high-risk Digital Currency service. SCHEDULE A: FEE SCHEDULE The monthly minimum fee adjustment is effective as of the 1st day of August, 2020, (the Effective Date). The parties hereto agree that the fees associated with the Custodial Services for Client shall be as set forth below. All capitalized terms not defined herein shall have the meaning ascribed to that term in the Agreement.

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Services CoinList ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services CoinList involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx://xxxxxxxx.xxxxxxxxx.xxx/en/support/home. By opening a Metal X CoinList Account, you confirm that you will not use Metal X CoinList Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • schemes; Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder; Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen; Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis;

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Monarch Services ("Prohibited Businesses"). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Monarch Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx://xxxxxxx.Xxxxxxxxxxxx.xx. By opening a Metal X Monarch Account, you confirm that you will not use Metal X Monarch Services in connection with any of following businesses, activities, practices, or items: • ● Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • ● Restricted Financial Services: Check cashing, bail bonds; collections agencies. • ● Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • ● Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • ● Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X Services ("Prohibited Pennhaven(“prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X Services Pennhaven involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx By opening a Metal X Pennhaven Account, you confirm that you will not use Metal X Pennhaven Services in connection with any of the following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • schemes; Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • holder; Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • stolen; Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis; Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs; Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body; Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom); Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features; Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs; Unfair, predatory or deceptive practices: Investment opportunities or other services that promise high rewards; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers; High risk businesses: any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies. Conditional Use Express written consent and approval from Pennhaven must be obtained prior to using Pennhaven Services for the following categories of business and/or use ("Conditional Uses"). Consent may be requested by contacting us. Pennhaven may also require you to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if you use Pennhaven Markets Services in connection with any of following businesses, activities, or practices: Money Services: Money transmitters, Digital Currency transmitters; currency or Digital Currency exchanges or dealers; gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the Pennhaven Services; Charities: Acceptance of donations for nonprofit enterprise; Games of Skill: Games which are not defined as gambling under this Agreement or by law, but which require an entry fee and award a prize; Religious/Spiritual Organizations: Operation of a for-profit religious or spiritual organizations. APPENDIX 2: VERIFICATION PROCEDURES AND LIMITS As a regulated financial service company operating in the US we are required to identify users on our platform. This ensures we remain in compliance with KYC/AML laws in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer digital currency exchange services to our customers. Pennhaven and our affiliates collect and verify information about you in order to: (a) protect Pennhaven and the community from fraudulent users, and (b) to keep appropriate records of Pennhaven customers, and (c) manage any transaction limitations All customers who wish to use Pennhaven Services, including the sending and receiving of Digital Assets reconciled to a blockchain, are required to establish a Pennhaven Account by: ● Providing your name and valid email address, password and your state and country of residence, and certify that you are 18 years or older, ● Accepting Terms of Service, onboarding confirmations, Subscriber Agreement and Privacy Policy, and ● Verifying your identity by submitting the following information (Pennhaven reserves the right to request additional information as needed; additional information may be requested of entities such as companies and trusts):

Prohibited Businesses. In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Metal X the Services ("“Prohibited Businesses"”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Metal X the Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact us at xxxxx://xxxxxxx.xxxxxx.xxx xxxxx@xxxx.xxx. By opening a Metal X an Account, you confirm that you will not use Metal X the Services in connection with any of following businesses, activities, practices, or items: • Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes • Restricted Financial Services: Check cashing, bail bonds; collections agencies. • Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder • Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen • Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-e- cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis