THE:Agreement on Currency Deposit and Earning Products

Dearuser,

Therearefourtypesofcurrencydepositandearningproductsonthisplatform:current,fixed-term,promotional,andlockup-to-mine.PleasecarefullyreadtheAgreementonCurrencyDepositandEarningProductsbeforesubscription.

ProductRules

I.Rulesonproductsubscriptionandredemption

(I)Currentproduct

Productname

Currentproduct

Definition

Subscriptionandredemptionatanytime;interestcalculatedonadailybasis;real-timetransfer

Yesterday’syieldrate

Yesterday’syieldrateofcurrentproducts

Trendofannualizedyieldrate

Trendoftheannualizedyieldrateinrecentsevendays

Referenceannualizedyieldrate

Thereferenceannualizedyieldrateiscalculatedbasedontheaverageyieldinrecentsevendaysandprovidesreferencefortheyieldrateofcurrentproducts.

Subscriptionandredemptionperiod

Subscriptionandredemptionareopeneverydayfrom08:10HKTto07:50thenextday

Rulesforyieldcalculation

Yieldsarecurrencybased.Yieldswillnotbeaccruedonthedayofsubscription.Yieldswillbeaccruedfromtheseconddayanddistributedonthethirdday.

Subscriptionlimit

Itreferstothemaximumsubscriptionlimitforusers,accuratetoeightdigits.

Effectivedate

Thetimewhenyieldcalculationstarts;e.g.2020-06-2108:00:00,accuratetohour/minute/second.

Automaticsubscription

Theusercanenablethefunctionof“automaticsubscription”onthecurrentproductpage.Ifthisfunctionisenabled,thesystemwillautomaticallytransferallthebalanceavailableforsubscriptionintheuser’sspotaccountintothecurrentaccountforcurrencydepositandearningfrom10:00HKTeveryday.Atthetimeofautomaticsubscription,thesystemwilldeterminewhetherthetotalamountofcurrentproductsheldbytheuserinthatcurrencyexceedsthesingle-personlimit,andautomaticsubscriptionwillnotbemadefortheexcesspart.Whenthemousehoversover“automaticsubscription”,thesystemwilluseallthetransferrablebalancesinyourcurrentaccountforcurrencydepositandearningtoautomaticallysubscribeforcurrentproducts.

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Standardredemption

Theuserwillreceivetheredemptionamountfrom08:00HKTtimethenextday.Yieldsareaccruedonthedayofredemption.

Quickredemption

Onthedayofsubscription,theusercanmakequickredemption.Yieldsarenotaccruedonthedayofredemption.

Yield

Forcurrentproducts,yieldsofthepreviousdayarecalculatedeverydayandautomaticallydistributedtotheuser’sdigitalcurrencyaccount.Yieldsareroundeddowntoeightdigits.

(II)Fixed-termproduct

ProductnameFixed-termproductDefinitionTheproducthasafixedterm,andthedepositamountwillbereturnedinalumpsumatmaturityandtheyieldswillbecollected.Theproducttermisflexible.Atpresent,90-,60-,14-and7-daytermsareavailable.AnnualizedyieldrateFixedannualizedyieldrateofproductsNumberofsubscriptions1subscription=100USDT.ThenumberofsubscriptionsisinregularnumbersAmountpersubscription1subscription=100USDTYieldpersubscriptionNumberofsubscriptions*Term*AnnualizedyieldrateIndividualsubscriptionlimitThemaximumnumberofsubscriptionsforanindividualEffectivedateTheactualdateonwhichyieldscalculationstartsRedemptiondateThedateofautomaticredemptionatmaturityProductredemptionAtmaturity,theproductwillberedeemedautomatically,andtheuser’sdepositamountandinterestwillbetransferredtotheaccountinalumpsum.ExpectedyieldActualsubscriptionamount*term*annualizedyieldrateYieldcalculationformulaYield=depositamount*(annualizedyieldrate/365)*N(Nistheterm)Conversionoffixed-termtocurrentproductsAftersubscribingforfixed-termproducts,theusercanconvertallorpartofthefixed-termproducts(atleastonesubscription)intocurrentproducts(providedthatthefixed-termproductshavecurrentproductsinthesamecurrencyavailableforsubscription)toachievethepurposeofearlyredemption.Aftertheconversionoffixed-termproductsintocurrentproducts,theinterestofallthefixed-termproductstransferredoutshallbecalculatedaccordingtotheyieldrateofcurrentproductsfromthedateofinterestaccrual.Thefundstransferredwillbepaidtotheuser’scurrentaccountandcanberedeemedimmediately.

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(III)Promotionalproduct

ProductnamePromotionalproductDefinitionItisaproductwithafixedtermandyieldlaunchedbytheplatform.Thedepositamountandyieldoftheproductwillbereturnedinalumpsumatmaturity.Theproductisofferedsubjecttoavailability.Numberofsubscriptions1subscription=100USDT.ThenumberofsubscriptionsisinregularnumbersAmountpersubscription1subscription=100USDTYieldpersubscriptionNumberofsubscriptions*Term*AnnualizedyieldrateIndividualsubscriptionlimitThemaximumnumberofsubscriptionsforanindividualEffectivedateTheactualdateonwhichyieldscalculationstartsRedemptiondateThedateofautomaticredemptionatmaturityProductredemptionAtmaturity,theproductwillberedeemedautomatically,andtheuser’sdepositamountandinterestwillbetransferredtotheaccountinalumpsum.ExpectedyieldActualsubscriptionamount*term*annualizedyieldrateYieldcalculationformulaYield=depositamount*(annualizedyieldrate/365)*N(Nistheterm)ConversionofpromotionaltocurrentproductsAftersubscribingforpromotionalproducts,theusercanconvertallorpartofthepromotionalproducts(atleastonesubscription)intocurrentproducts(providedthatthepromotionalproductshavecurrentproductsinthesamecurrencyavailableforsubscription)toachievethepurposeofearlyredemption.Aftertheconversionofpromotionalproductsintocurrentproducts,theinterestofallthepromotionalproductstransferredoutshallbecalculatedaccordingtotheyieldrateofcurrentproductsfromthedateofinterestaccrual.Thefundstransferredwillbepaidtotheuser’scurrentaccountandcanberedeemedimmediately.

(IV)Lockup-to-mineproduct

Thelockup-to-mineproductgeneratesyieldsbasedonPOS/DPOSuserlockuptokens.Thespecifictermandyieldrateoftheproductshallbesubjecttothespecificationsontheproductpage.

II.SpecialClauses1.Theusercommitsandconfirmsthathe/shehascarefullyreadtheUserAgreementofthiswebsite/platform,andiswillingtobeboundbytheUserAgreement.

2.Wehavetherighttosuspendorterminatetheproductinadvanceif:(1)Productterminationisrequiredbyregulatoryauthoritiesorbylawsandregulations;(2)WeareunabletocontinuetoperformtheProductAgreementduetoforcemajeureand/oraccidents;or(3)Thereareothercircumstancesinwhichwedeemitnecessarytoterminatetheproductinlightofmarketconditions.

3.Ifweterminatetheproductinadvance,wewilltransfertheuser’sduerevenuetotheuser’saccountwithintwodays.

4.OnlyusersinsomemarketswhomeettheKYCrequirementsoftheplatformcansubscribetheproducts.

5.ThisAgreementonCurrencyDepositandEarningProductsisanimportantpartoftheUserAgreementoftheplatform.MattersnotagreedhereinshallbegovernedbytheUserAgreement.

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