{"id":"court_sdny_612_6","court":"SDNY","case_no":"","doc_number":612,"sub_number":null,"doc_type":"DOC","filed_date":null,"title":"SDNY ECF 612","summary_zh":"喜马拉雅交易所合规运营和第三方专家报告 —— 美国诉 Ho Wan Kwok（郭文贵 / Guo Wengui / Miles Guo）案，SDNY 1:23-cr-00118 ECF #612。该文件包含律师函、独立会计专家报告（Mazars LLP）及来自 Candey 律师事务所的证人陈述，另附喜马拉雅交易所客户登记和反洗钱合规流程文档，展示其在客户身份验证、名单筛查、风险评估和持续尽职调查等方面的程序设计。","summary_en":"Himalaya Exchange Compliance Operations and Expert Report — United States v. Ho Wan Kwok (Miles Guo), SDNY 1:23-cr-00118 ECF #612. Document includes counsel letter, independent accounting expert report (Mazars LLP), and witness statement from Candey Law, along with Himalaya Exchange's customer onboarding and AML compliance procedures, documenting identity verification, name screening, risk assessment, and ongoing due diligence processes.","body_en":"CasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-76- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 11 ooff 1145\nBy Email to bradford.geyer@formerfedsgroup.com\nBradford L. Geyer\nFormerFedsGroup.Com LLC,\n141 I Route 130 South\nSuite 303\nCinnaminson, NJ 08077\n21 December 2023\nDear Sir\nHimalaya International Clearing Limited (\"Himalaya Exchange\")\nWe refer to our letter dated 12 December 2023. As you know, we act for Himalaya Exchange.\nAs foreshadowed by that letter, please find enclosed herein: (1) an independent expert report dated 21\nDecember 2023 produced by Mazars LLP; and (2) a witness statement from Sam H Claydon, a Partner\nin this firm, to file with the Court today.\nIf you have any questions, please do not hesitate to contact us.\nFor the avoidance of doubt, if and to the extent that this letter or its enclosures are disclosed to any\nthird party, nothing in this letter or those enclosures is intended to nor does it waive any applicable\nprivilege. Further, if and to the extent that this letter or its enclosures is disclosed to any third party, and\nto the extent that it is later determined that this letter or any of its enclosures does contain a waiver of\nprivilege in relation to the information above, we do not intend to nor do we make any wider waiver of\nany applicable privilege in relation to our instructions or our work product.\nYours faithfully\nCANDEY\nEncl.\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 12 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 23 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 34 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 45 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 56 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 67 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 78 ooff 9145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-76- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 89 ooff 9145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-67 - 3 F Fileilde d0 41/20/42/12/52 3 PPaaggee 190 o of f9 145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 1 F Fileilde d0 41/20/42/12/52 3 PPaaggee 111 o of f5 145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 1 F Fileilde d0 41/20/42/12/52 3 PPaaggee 122 o of f5 145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 1 F Fileilde d0 41/20/42/12/52 3 PPaaggee 133 o of f5 145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 1 F Fileilde d0 41/20/42/12/52 3 PPaaggee 144 o of f5 145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 1 F Fileilde d0 41/20/42/12/52 3 PPaaggee 155 o of f5 145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 11 6o fo 1f 0145\nDemonstration of the\nClient Onboarding\nand Compliance Process\nJune 2022\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 21 7o fo 1f 0145\nOur Team Our CDD Process\nHere at Himalaya Exchange, we are committed to protect  Customer Registration Process\nour customers and crypto community.\n\nIdentification and Verification\nHimalaya Exchange aims to set the crypto industry standard\nfor Know Your Customers.\n\nName Screening\nOur compliance teams are located in United Kingdom and\n\nRisk Assessment\nAustralia and provide compliance services to the group.\nMost of our compliance team members have more than 5  Auto Approval, Auto Rejection and Manual Risk Review\nyears compliance experience in leading international banks\nand crypto companies.  Ongoing Due Diligence\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 31 8o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nCustomer Registration Process (Individual)\nDocument and\nCreate User Security Email & SMS KYC\nFacial\nAccount Questions Setup Verification Questionnaire\nVerification\n Create Username  Create Security Questions  Send One Time Password  KYC Questionnaire for  ID Document submission\n(OTP) to both registered customer to provide\n Customer Info  Security Questions add an email address and phone customer profiles.  AI verification on the\n (Name, DOB ) extra layer of customer number to authorise the customer’s identity and\nprotection to the account creation  Provides the basis for initial biometric information\n Residence and citizenship. authentication process. Financial Crime Risk Rating. (facial recognition).\n Risk Based Approach for\nfurther verification e.g.\nbank statements / SoW /\nSoF.\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 41 9o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nCustomer Registration Process (Corporate)\nCompany\nAcceptable Customer Document\nAppointed Manual Review (EDD)\nType Check List\nRepresentative\n Appointed Representative  Based on the result of the Business  Due Diligence is conducted on the  Every Corporate customers undergoes\nregisters an account with Risk Analysis, Himalaya Exchange corporate entity. EDD regardless of their initial Financial\nemail address, password. only accepts the following legal Crime Risk Rating.\nentities:  Key documents to verify the\n Same registration process as ultimate ownership structure and  In addition to the main party (the legal\n- Personal Investment\nIndividual including Security legal status like: entity), the connected parties have to\n- Companies (PIC)\nQuestions setup. go through complete KYC process and\n- Corporate and Partnerships\n- Certificate of Incumbency provide POA. For example, UBO with\n- Trusts\n- Board Resolution\n10% or above ownership, Directors,\n- Funds\n- Organisation Chart, etc .\nAuthorised Representative. For Trust -\nSettlor, Protector, Beneficiary, etc.\n For merchant account, an extra due-\ndiligence process will be adopted due\nto the high risk nature.\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 52 0o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nIdentification and Verification (ID&V) , Screening\n\nIdentification and Verification. Customer provides\nname, address and relevant data from our secured\nonline portal. Customer’s identity is verified against\nthe government issued ID card. AI powered facial\nrecognition is used to ensure the picture in ID\nmatches selfie picture.\n\nProof of Address. Customer address is manually\nverified against the bank statement, government ID,\nand utility bills\n\nName Screening is performed against PEP\n(Politically Exposed Person), Sanctions, Adverse\nMedia to fully compliant with AML regulations.\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 62 1o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nBusiness Risk\nRisk Identified Description Controls in Place Reflected in Customer Risk Model\nProduct Risk • Crypto Exchange • Identification, verification, full KYC data required for • Expected deposit level\n• Payment App all users\n• Merchant\nCustomer Type Risk Individual Customers • Identification, verification, full KYC data required for • Risk factors include employment, business sectors\n• Individuals across the globe all users\n• High Net Worth Individuals • Additional risk loading for customer for investment\n• PEPs • Name Screening against sanctions, PEP, adverse vehicles and complex structures.\nmedia\nCorporate Customers\n• Personal Holding Companies • Enhanced due diligence for higher risk customers\n• Trusts (verification of employment, source of funds)\n• Funds\n• Investment Vehicles\n• Complex Structures\nDelivery Channel Risk Non-Face-to-Face • Jumio –Biometric verification against ID photo and\nselfie taken during onboarding\nGeographical Risk Clients with linkage to countries • Certain countries prohibited from registration • Residence country, citizenship, expected country of\nsubject to: origin of funds\n• Sanctions • Risk level assigned to each country according to\n• AML deficiencies listed by recognised global organisations (e.g. FATF\nFATF countries, Transparency International) and regularly\n• High level of corruption updated country risk score based on Corruption\nPerceptions Index (CPI).\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 72 2o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nRisk Model Assessment\nGeography Risk Product Risk Transaction Risk Customer Risk\n Resident Country  Crypto Exchange  Planned annual deposit  Occupation Status\n Citizenship  Payment Product  Transaction Monitoring  Individual or Business\n Fund deposit to / receive from  Merchant / Peer-to-Peer Activity Areas\nAutomated Risk Assessment\nFraud Signals\nFinal Financial Crime Risk Rating\n Sanction List\nScore Classification  PEP Risk\n Adverse Media Coverage\n0-30 Low Manual Adjustment  Red flags from Manual Review\n31-59 Medium\n60-75 High\n75-99 Ultra-High\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 82 3o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nApproval and Escalation Process\nMedium /  Monthly based sampling\nLow Risk  Review completed cases\nQuality Control\n Remediate Case or Offboard\n(Sampled Review)\ncustomers if needed\nAuto Approval  Identify thematic issues and\nsuggest correction measures\n(e.g. training / system\nenhancement )\nHigh\nRisk\nSelf Approval\nCompleted KYC\nManual Review\nProfiles\nUltra-High /\nProhibited Risk\nCustomer Review and\n Conduct EDD\nOnboarding (CRO) review\n Customer outreach to obtain\nSenior Manager\ndocuments to support\nReview\n- Source of Wealth  Consists of senior stakeholders of\n- Source of Funds\nHimalaya Exchange\n Provides guidelines for approval\n 4 eyes checking\nrequests and steers the risk appetite\n For PEP, special situations like\nAuto-Rejected of the firm\ncharity escalate to CRO\ncommittee review and approval\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 2 F Filieledd 0 142/0/241/2/253 PPaaggee 92 4o fo 1f 0145\nCustomer Risk Approval and On Going\nID&V Screening\nRegistration Assessment Escalation Monitoring\nOnboarded\nCustomers\nReverse Screening\nTransaction\nPeriodic Review\nMonitoring\nOngoing Due Diligence\nEvent Trigger\nSAR Reporting\nRefreshed KYC\nOffboarding Profiles\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-2 FFiilleedd 0142//0241//2253 P Paaggee 1 205 o of f1 1045\nDemonstration of the\nClient Onboarding and Compliance Process\nThank you.\nJune 2022\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 12 6o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 22 7o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 32 8o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 42 9o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 53 0o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 63 1o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 73 2o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 83 3o fo 5f 0145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 3 F Filieledd 0 142/0/241/2/253 PPaaggee 93 4o fo 5f 0145\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 305 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 316 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 327 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 338 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 349 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 450 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 461 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 472 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 483 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 1 494 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 405 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 416 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 427 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 438 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 449 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 550 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 561 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 572 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 583 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 2 594 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 505 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 516 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 527 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 538 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 549 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 650 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 661 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 672 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 683 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 3 694 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 605 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 616 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 627 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 638 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 649 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 750 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 761 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 772 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 783 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 4 794 o of f5 1045\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-3 FFiilleedd 0142//0241//2253 P Paaggee 5 705 o of f5 1045\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 17 6o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 27 7o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 37 8o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 47 9o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 58 0o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 68 1o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 78 2o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 88 3o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmumenetn 6t 1220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 98 4o fo 4f 4145\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 805 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 816 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 827 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 838 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 849 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 950 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 961 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 972 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 983 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 1 994 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 2 905 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 2 916 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 2 927 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 2 938 o of f4 1445\n\nCaCsea s1e: 213:2-c3r--c0r0-0101181-A8T-A T D Doocucummeennt 6t 21028-6-4 FFiilleedd 0142//0241//2253 P Paaggee 2 949 o of f4 1445\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 2150 0o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 2160 1o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 2170 2o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 2180 3o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 2190 4o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3100 5o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3110 6o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3120 7o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3130 8o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3140 9o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3151 0o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3161 1o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3171 2o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3181 3o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 3191 4o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 4101 5o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 4111 6o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 4121 7o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 4131 8o fo 4f 4145\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 4 F Filieledd 0 142/0/241/2/253 PPaaggee 4141 9o fo 4f 4145\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 112 o0f o2f0 145\nMERCANTILE BANK\nINTERNATIONAL CORP.\nONLINE CUSTODY & BANKING SERVICES AGREEMENT\nALL CLIENTS OF MERCANTILE BANK INTERNATIONAL CORP. (“MBI”)\nTHAT OPEN ACCOUNTS SHALL BE SUBJECT TO, AND SHALL BE BOUND\nBY, THIS ONLINE CUSTODY & BANKING SERVICES AGREEMENT.\nTHIS ONLINE CUSTODY & BANKING SERVICES AGREEMENT IS SUBJECT\nTO MODIFICATION BY MBI AT ANY TIME. REVISED TERMS SHALL BE\nEFFECTIVE IMMEDIATELY UPON PUBLICATION IN ELECTRONIC FORM ON\nMBI’S WEBSITE OR RECEIPT BY CLIENT VIA EMAIL.\nVERSION 2022-09\nLAST REVISED: 2020-06\n1\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 122 o1f o2f0 145\nTABLE OF CONTENTS\n1. DEFINITIONS\n2. OVERVIEW OF ONLINE BANKING SERVICES\n2.1. ACCOUNT APPLICATION AND APPROVAL\n2.2. INFORMATION YOU GIVE US AT ACCOUNT OPENING\n2.3. ACCOUNT INFORMATION\n2.4. NOT FDIC INSURED\n2.5. CHANGES TO THIS AGREEMENT\n2.6. ACCOUNT CLOSURES\n3. E-SIGN DISCLOSURE AND CONSENT\n3.1. INTRODUCTION\n3.2. ADDITIONAL DEFINITIONS THAT APPLY TO THIS SECTION\n3.3. RECORDS AND COMMUNICATIONS MAY BE PROVIDED IN ELECTRONIC FORM\n3.4. REQUESTING PAPER COPIES\n3.5. SYSTEM REQUIREMENTS\n3.6. WITHDRAWAL OF YOUR CONSENT\n3.7. UPDATING YOUR INFORMATION\n3.8 FEDERAL LAW\n3.9. TERMINATION OF THE E-SIGN DISCLOSURE PROVISION\n3.10. CONSENT TO RECEIVE ELECTRONIC RECORDS\n4. PRIVACY POLICY\n4.1. IN GENERAL\n4.2. THIRD PARTY DISCLOSURES\n4.3. ANONYMIZED CLIENT DATA\n4.4. DATA PROTECTION\n5. GENERAL TERMS\n5.1. ACCOUNT OPENING AND OWNERSHIP\n5.2. RELIANCE ON INFORMATION\n5.3. MANAGEMENT OF YOUR ACCOUNT\n5.4. ASSIGNMENT OF YOUR ACCOUNT\n6. CUSTODY ACCOUNT SERVICES\n6.1. OUR RELATIONSHIP WITH YOU\n6.2. INSTRUCTIONS REGARDING MANAGEMENT OF CUSTODIAL FUNDS\n6.3. MANAGEMENT OF FUNDS HELD IN CUSTODY\n6.4. ADDITIONAL CUSTODY ACCOUNT FEATURES\n6.5. NOT FDIC INSURED\n2\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 132 o2f o2f0 145\n6.6. LIMITATIONS ON WITHDRAWALS\n7. TRANSFER SERVICES\n7.1. FUNDING YOUR ACCOUNT\n7.2. LINKING EXTERNAL ACCOUNTS; EXTERNAL ACCOUNT TRANSFERS\n8. FUNDS AVAILABILITY\n8.1. WHEN ARE FUNDS AVAILABLE?\n8.2. PROCESSING TRANSACTIONS\n9. INSUFFICIENT FUNDS AND OVERDRAFT PROTECTION\n10. FEES & SET-OFF\n11. OTHER TERMS AND CONDITIONS\n11.1. ADDITIONAL DEFINITIONS THAT APPLY TO THIS SECTION\n11.2 BANK SECRECY ACT COMPLIANCE\n11.3. SUSPENSION OF SERVICES\n11.4 INVESTIGATIONS, GOVERNMENTAL AUTHORITIES AND LEGAL PROCEEDINGS\n11.5 SETOFF AND SECURITY INTEREST\n11.6. LIMITS ON LIABILITY\n11.7. CLIENT RESPONSIBILITIES, REPRESENTATIONS AND WARRANTIES\n11.8. CHOICE OF LAW AND DISPUTE RESOLUTION\n11.9. UNRETURNED OR ABANDONED PROPERTY\n11.10. TAXES\n11.11. MISCELLANEOUS\nSCHEDULE OF FEES\n3\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 142 o3f o2f0 145\n1. DEFINITIONS\nThe following terms and definitions apply when used in this Online Custody & Banking Services Agreement. Terms used but not\ndefined below shall have the meaning assigned to them in the Uniform Commercial Code. References to the Uniform Commercial\nCode are to the Uniform Commercial Code in the State of New York.\n“ACH” means the Automated Clearing House electronic funds transfer network.\n“Affiliates” means, with respect to any specified Person any other Person that controls, is controlled by, or is under common\ncontrol with such specified Person. As used herein, the term “control” means, with respect to any Person, the power, directly or\nindirectly, to direct or cause the direction of the management and policies of such Person, whether through the ability to exercise\nvoting power, by contract or otherwise.\n“Agreement” means this Online Custody & Banking Services Agreement, as amended, modified and supplemented from time\nto time.\n“Authorized Persons” means any Person authorized in writing by a Client of MBI pursuant to this Agreement to act as an agent\non the Client’s behalf in dealing with MBI.\n“Available Account Balance” means, the balance of funds in your Account available for transfer to an External Account subject\nto the limitations described in this Agreement. The Available Account Balance may be more or less than the amount of your\nposted balance. Please consult Section 8 of this Agreement for additional information on how we calculate the Available Account\nBalance.\n“Business Day” means any day in which financial institutions of the United States are open for business, unless otherwise\nspecified.\n“Cash Equivalents” means (a) securities issued, or directly, unconditionally and fully guaranteed or insured, by the United\nStates or any agency or instrumentality thereof (provided that the full faith and credit of the United States is pledged in support\nthereof) having maturities of not more than one year from the date of acquisition; (b) time deposits and certificates of deposit of\nany commercial bank having, or which is the principal banking subsidiary of a bank holding company organized under the laws\nof the United States, any state or province thereof or the District of Columbia having, capital and surplus aggregating in excess\nof $500,000,000 and a rating of \"A\" (or such other similar equivalent rating) or higher by at least one nationally recognized\nstatistical rating organization with maturities of not more than one year from the date of acquisition; (c) repurchase obligations\nwith a term of not more than 30 days for underlying securities of the types described in clause (a) above entered into with any\nbank meeting the qualifications specified in clause (b) above, which repurchase obligations are secured by a valid perfected\nsecurity interest in the underlying securities; (d) commercial paper issued by any Person incorporated in the United States rated\nat least A-1 or the equivalent thereof by Standard & Poor's Rating Service or at least P-1 or the equivalent thereof by Moody's\nInvestors Service Inc., and in each case maturing not more than one year after the date of acquisition; and, (e) investments in\nmoney market funds substantially all of whose assets are comprised of securities of the types described in clauses (a) through\n(d) above.\n“Client” means, at any time, a Person who is recorded in the books and records of MBI as the owner of an active Custody\nAccount.\n“Client Data” means, with respect to any Client, (i) data from or about such Client, and (ii) data about such Client’s use of the\nServices.\n“Custodian” means MBI in the capacity of Client’s appointed Custodian pursuant to this Agreement.\n“Custody Account” or “Account” means the record maintained on the books and records of Custodian of the Fiat Currencies\nand Digital Assets that Client has placed into the custody and possession of Custodian pursuant to the terms and conditions of\nthis Agreement subject to the direction of the Client and/or its Authorized Persons.\n“Custody Account Statements” means, with respect to any Client, statements of account for such Client’s Custody Account.\n“Custodial Funds” has the meaning given to such term in Section 6.2.\n“Digital Assets” means any virtual currency, token or other digital asset approved by MBI for deposit into Custody Accounts\nand as identified on MBI’s website or as otherwise notified to Client as “approved” pursuant to this Agreement.\n4\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 152 o4f o2f0 145\n“Domestic Person” has the meaning given to such term in Section 2.1.\n“E-SIGN Disclosure and Consent Agreement” has the meaning given to such term in Section 3.\n“External Client Account” means, with respect to any Client, any account maintained by such Client at a third party that is\napproved by MBI as a source or destination for transfers of Fiat Currencies or Digital Assets.\n“Fedwire” has the meaning given to such term in Section 7.1.\n“Fiat Currencies” means U.S. dollars and any other government-backed fiat currencies approved by MBI for deposit into\nCustody Accounts and as identified on MBI’s website or as otherwise notified to Client.\n“MBI” means Mercantile Bank International Corp., a Puerto Rico corporation, and its successors and permitted assigns.\n“Omnibus Account” has the meaning given to such term in Section 6.3.\n“Law” means any applicable constitutional provision, statute, act, code (including the Code), law, regulation, rule, ordinance,\norder, decree, ruling, proclamation, resolution, judgment, decision, declaration, writ, injunction, arbitral award or interpretative or\nadvisory opinion or letter of any Governmental Authority.\n“Patriot Act” has the meaning given to such term in Section 11.2.\n“Person” means any individual, company, corporation (including a non-profit corporation), sole proprietorship, general or limited\npartnership, limited liability company, joint venture, syndicate, estate, trust, association, organization, Governmental Authority,\nor other entity.\n“Posted Balance” means the balance of funds in an Account based solely on items that have been posted as credits or debits.\nUnlike the available balance, the posted balance does not reflect any holds placed on the Account. The posted balance may be\nmore or less than the amount of your Available Balance.\n“Services” has the meaning given to such term in Section 2.\n“SWIFT Payment” has the meaning given to such term in Section 8.1.\n“Subcustodians” has the meaning given to it in Section 6.2.\nThe words “we,” “our,” and “us” mean Mercantile Bank International Corp., affiliates, successors, and assigns.\nThe words “The words “you” and “your” mean each applicant, account owner and anyone else with access to the account. If\nthere is more than one owner, then these words mean each account owner separately, and all account owners jointly.\n2. OVERVIEW OF ONLINE CUSTODY AND BANKING SERVICES\nThank you for choosing to work with MBI to meet your online custodial, trust, and banking needs. MBI is an International Financial\nEntity headquartered in San Juan, Puerto Rico, a territory of the United States of America, and supervised by the Office of the\nCommissioner of Financial Institutions of Puerto Rico. MBI IS NOT A MEMBER OF THE FDIC AT THIS TIME, AND AMOUNTS\nHELD AT MBI ARE NOT ELIGIBLE FOR U.S. FEDERAL DEPOSIT INSURANCE\nThis Agreement between you and MBI applies to your use of MBI online custody and banking services described herein. By\nopening or maintaining an Account with us, you accept and agree to be bound by the terms and conditions of this Agreement\nand terms of services described herein. The term “Services” as used in this Agreement means any service provided by MBI\npursuant to this Agreement, including, but not limited to, Custody Account and transfer services, or any other financial product\nor service made available to you by MBI through its website or by other means.\nThis Agreement includes the following disclosures applicable to the Services that MBI may agree to provide to you, including:\n(1) Account features and fees; (2) privacy policies; (3) E-SIGN consent; (4) electronic fund transfer services; (5) funds availability\nand transaction posting policies; and (6) additional disclosures regarding your Account(s). Fees mentioned throughout this\nAgreement can be found on www.mercantile-bank.com.\n5\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 162 o5f o2f0 145\nMBI, in its sole discretion, may from time to time choose to work with third-party financial institutions or other service providers.\nYou acknowledge and agree that additional terms may apply to your use of MBI’s Services if we offer them in connection with\nservices provided by third-party service providers. You acknowledge and agree that additional terms will apply to your use of\nMBI’s Services if you choose to access them in conjunction with an independent relationship of yours with a third-party with\nwhom we work.\nMBI, in its sole discretion, may provide you with a foreign-language translation of this Agreement, and any related agreements,\nin order to help you better understand the material terms and conditions pursuant to which we offer the Services as well as your\nobligations hereunder. Foreign-language translations provided by MBI are provided for your convenience, only. In the event of\na discrepancy between this English-language Agreement and any foreign-language translation of it, whether provided to you by\nMBI or otherwise, this English-language Agreement shall control.\n2.1 Account Application and Approval\nIn order to open an Account at MBI, eligible persons are required to (i) complete an application by providing such information as\nMBI may require, in its discretion, to comply with applicable BSA/AML Requirements (as defined in Section 11.2. below), and\n(ii) if such Account application is approved by MBI, enter into one or more agreements with MBI on terms acceptable to MBI,\nincluding this Agreement. MBI may reject any application and MBI may decline to enter into an Agreement with any person, for\nany reason.\nPersons that meet the definition of “domestic person” under Section 2(j) of the International Financial Center Regulatory Act of\nPuerto Rico are not legally permitted to become a client of MBI. “Domestic Person” means any natural person who is a resident\nof Puerto Rico, or a person incorporated or organized under the laws of Puerto Rico, or a person whose principal place of\nbusiness is located in Puerto Rico, or a foreign corporation with offices, in accordance with the provisions of the Puerto Rico\nInternal Revenue Code, considered to be doing business in Puerto Rico, and the Government of Puerto Rico and the agencies,\ninstrumentalities, political subdivision, and public corporations thereof or other entities of the Government of Puerto Rico.\n2.2. Information You Give Us at Account Opening\nUSA Patriot Act Notice. To help the government fight the funding of terrorism and money laundering activities, the federal laws\nof the United States of America, including the USA PATRIOT Act, require all financial institutions to obtain, verify and record\ninformation that identifies each person or business that opens an account with a financial institution. What this means for you:\nWhen you use our services, we will ask for your name, address, date of birth, and other information that will allows us to identify\nyou. For all applicants, we will ask to see a form of identification with your photograph, and we may also ask to see other\nidentifying documents, such as a social security card, if applicable, passport, driver’s license or other government-issued form\nof identification. Clients from non-US jurisdictions may be asked for different or additional identification information, in the\ndiscretion of MBI.\nBusiness Accounts. When you apply for an Account as a business, we will ask for your business name, address, Tax\nIdentification Number (TIN), and information about the business’s beneficial owners. We will also ask for the name, address,\ndate of birth and social security number or similar documents sufficient for us, in our sole discretion, to establish the identity of\nthe natural Person(s) opening the Account as well as the beneficial owners and/or officers of the legal entity. We may seek to\nvalidate the information you provide to us using third-party services or other means to ensure we have a reasonable belief of\nyour identity and your business. If we are not able to verify your identity or the identity of the business to our satisfaction, we\nmay decline your application or we may close the Account if it was previously opened.\nVerification of Your Information. You understand and agree that we may share any information you submit to us in connection\nwith your Account with our affiliates, subsidiaries or other third parties for the purposes of verifying your identity, verifying other\ninformation in your application, or for on-going account monitoring. You understand and agree that we may also seek to obtain\na credit report in connection with your application, or any other of our Services that your request to receive. Sharing this\ninformation is necessary to evaluating your application and providing transaction-related services in compliance with MBI’s\nBSA/AML Requirements.\nFalse Information. You understand and acknowledge that the submission of false information at account opening, or failure to\ntimely update us with respect to material changes, may expose MBI to liability because of its BSA/AML Requirements, among\nother potential sources of legal and regulatory liability. You understand further that your willful or negligent submission of false\ninformation at account opening, or any time after becoming a Client, may result in costs to MBI in any form, including, but not\n6\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 172 o6f o2f0 145\nlimited to, the costs of defending MBI against legal or regulatory actions brought by competent authorities, or civil and/or criminal\nmonetary penalties. To the fullest extent of the law, you agree to indemnify against such costs as are demonstrably and directly\nincurred by MBI as a result of your willful or negligent submission of information at account opening or at any time after becoming\na Client of MBI. You may also be billed in advance for legal and compliance costs that we reasonably believe may be incurred\nin connection with government inquiries relating to any Account you control with us. Advance billing for legal and compliance\ncosts shall not exceed 50% of your Account value at the time we receive notice of legal or regulatory actions. Monthly summary\ninvoices shall be provided to you of costs actually incurred by MBI. If you believe that the amounts billed to your Account are in\nerror, you agree that your exclusive remedy is to seek arbitration of your dispute pursuant to the dispute resolution provisions\ncontained in Section 11.8 of this Agreement.\n2.3. Account Information\nIn General. MBI shall make available information about a Client’s Account to the Client through MBI’s website, including the\ncurrent balance and a summary of recent transactions.\nAccount Statements. MBI shall provide or make available to Clients statements summarizing the balances and transaction\nactivity in their Accounts on a monthly basis exclusively by Electronic Means (as defined in Section 3). Account Statements for\na Client account shall reflect all activities involving the Account during the preceding calendar month, including posted and\npending transfers. Clients are responsible for promptly examining each Account Statement and notifying MBI of any potential\nerrors discrepancies. MBI WILL NOT BE RESPONSIBLE FOR ERRORS OF WHICH YOU DO NOT NOTIFY US WITHIN\nTHIRTY (30) DAYS AFTER THE DATE OF THE ACCOUNT STATEMENT.\n2.4. Not FDIC Insured.\nYour Custody Account with MBI is NOT INSURED by the U.S. Federal Deposit Insurance Corporation nor by any government-\nsponsored or non-government sponsored insurance scheme or product in the United States of America, Puerto Rico or any\nother jurisdiction.\n2.5. Changes to This Agreement\nWe may change this Agreement at any time. We may add new terms, delete or amend existing terms, or add new types of\naccounts and services and discontinue existing types of accounts or services. We may convert existing accounts and services\ninto new accounts and services. We will give you reasonable notice in writing or by any method permitted by law of an adverse\nchange to you in this Agreement. However, we may make changes without prior notice unless otherwise required by law. We\nmay, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not\nadverse to you.\nWhen we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your\nAccount. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound\nby the change. If you do not agree with a change, you may close your account as provided in Section 2.6. below.\n2.6. Account Closures\nYou or we may close your Account at any time without prior advance notice. Any amounts held at MBI at the time your Account\nis closed will be returned to you, subject to the terms, conditions, limitations and fees outlined in this Agreement.\nMBI may, in its sole discretion and without notice to you, to the extent permissible under applicable law and other governing\ndocuments applicable to your Account, decline, delay, cancel and/or reverse your orders, transactions or instructions, and/or\nplace disbursement and other restrictions on any of your accounts. MBI may close your Account or convert your Account to\nanother account type at its discretion. MBI need not give any advance notice of Account closure initiated by MBI for any reason.\nIf an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account.\nAny waiver that applied before the account was closed does not apply when we reopen the account.\n7\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 182 o7f o2f0 145\nIf your Account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the\nAccount open or close the Account without notice. MBI may also charge you an inactive account fee in the amounts set forth in\nMBI’s fee schedule if there is no activity in your account for a period of three months.\n3. E-SIGN DISCLOSURE AND CONSENT\n3.1 Introduction\nThis E-SIGN Disclosure and Consent Agreement (the “E-Sign Agreement”) allows us to provide you with electronic versions of\nimportant documents and notices associated with opening an Account at MBI as well as all other information that we may be\nrequired to provide to you in writing by law. YOU MUST AGREE TO THIS E-SIGN AGREEMENT TO OPEN AN ACCOUNT\nWITH MBI AND USE ITS SERVICES.\n3.2 Additional Definitions That Apply to This Section\n“Electronic Means” means a form of electronic communication reasonably accessible to the Client, including, but not limited\nto, records and communications transmitted (i) by email, (ii) by posting to a website designated in email from MBI to you, or (iii)\nto the extent permissible by law, by access to a website generally designed in advance for such a purpose.\n“Records and Communications” includes, but is not limited to, all legal and regulatory disclosures, notices or disclosures\nrelated to opening an Account at MBI or changes to its terms governing your use of its services, all notices regarding our policies,\nand any other information we may be required to provide you in writing by law or regulation.\n3.3. Records and Communications May be Provided in Electronic Form\nYou agree that we may provide you with Records and Communications by Electronic Means. Your agreement does not mean\nthat we must provide Records and Communications electronically, but instead that we may deliver some or all of those\ndocuments electronically in our sole discretion.\n3.4. Requesting Paper Copies\nYour consent to receive Records and Communications electronically means that we will not send your paper copies of any\nRecords and Communications transmitted electronically unless you request it or we otherwise deem it appropriate to do so. To\nrequest that a paper copy of any particular electronic Records and Communications be mailed to you, please contact us at\nbankops@mercantile-bank.com. Please specify in your email that you are requesting a paper copy of electronically transmitted\nRecords and Communications and state the title(s) and date(s) of the particular Records and Communications that you are\nrequested. We may charge a fee for mailing you a paper copy of Records and Communications.\n3.5. System Requirements\nIn order to access, view and retain electronic Records and Communications, your access device must meet the following\nminimum hardware and software requirements:\ni. An internet browser that we support, which include Internet Explorer 10.x or higher, Safari 3.2.x or higher, Firefox\n32.x or higher and Chrome 38.x or higher, Mac OSX Safari 5 and higher, Safari for iOS 6 and higher, Chrome for\niOS, and Chrome for Android;\nii. Local, electronic storage capacity to retain Records and Communications or a printer to print them;\niii. A valid email account and software to access that email account;\niv. An up-to-date device or devices (e.g., computer, tablet, mobile phone, etc.) suitable for connecting to the Internet\nand supported by MBI;\nv. An operating system capable of receiving, accessing and displaying Records and Communications from us in\nelectronic form via text-formatted email or access to our website using a supported browser;\nvi. A printer that can interface with your devices, if you want to print paper copies of Records and Communications\nsent to you in Electronic Form.\n8\n\nCasCe a1s:e2 31-:c2r3-0-c0r1-01081-A1T8 - A T D o Dcuomcuemnet 6n1t 220-68 - 5 F Fileilde d0 41/20/42/12/52 3 PPaaggee 192 o8f o2f0 145\nBy viewing this information in electronic form on any access device that meets the minimum system requirements, you are\nreasonably demonstrating your ability to access Records and Communications using Electronic Means.\nPlease contact us at bankops@mercantile-bank.com if you have difficulties accessing or viewing documents by\nElectronic Means on an access device.\n3.6 Withdrawal of Your Consent\nYou may withdraw your consent to receive Records and Communications by Electronic Means at any time. To withdraw your\nconsent prior to completing the application, simply exit this session prior to acknowledging your acceptance of this agreement.\nTo withdraw your consent after you have submitted your application or opened an Account, please contact us at\nonboarding@mercantile-bank.com. Please note that withdrawal of your consent to received Records and Communications by\nElectronic Means will result in the revocation of your access to MBI’s services and the termination of our business relationship\nwith you. Such termination will only take effect after a reasonable period to process your withdrawal.\n3.7. Updating Your Information\nIt is important that you provide us with true, accurate and complete email address, contact and other information related to this\nE-Sign Agreement so that we may contact you with Records and Communications regarding your Account. You agree to\nmaintain a valid email address and to promptly notify us of any changes to your email address, contact or other information. You\nmay update your email address, contact and other information through our website.\n3.8. Federal Law\nYou acknowledge and agree that this E-Sign Agreement is being provided to you in connection with a transaction that is subject\nto the federal Electronic Signatures in Global and National Commerce Act, and that you and MBI both intend that the Act apply\nto the fullest extent possible to validate our ability to conduct business affecting interstate commerce with you by electronic\nmeans.\n3.9. Termination of the E-SIGN Disclosure Provision\nMBI reserves the right, in its sole discretion, to discontinue the provision of electric Records and Communications, or to change\nthe terms and condition under which we provide Records and Communications in electronic form. We will provide you with notice\nof any such termination or changes as required by law.\n3.10. Consent to Receive Electronic Records\nYou hereby give your affirmative assent to receiving electronic Records and Communications as described in this E-Sign\nAgreement. You further agree your computer, mobile phone, tablet or other access device meets the system requirements\nspecified above and that you are able to receive, retain and view electronic Records and Communications, and that you have\nan active and valid email address at which we may send you electronic Records and Communications.\n4. PRIVACY POLICY\n4.1. In General\nIn connection with providing the Services to Clients, you understand and agree that MBI may collect and use Client Data to (i)\nprovide, operate and improve the Services; (ii) comply with any requirement of applicable Laws; (iii) respond or cooperate with\nrequests from regulators or law enforcement about your Account; (iv) personalize the Services; and, (iv) engage in other\nlegitimate business activities, such as sending marketing communications about products, services and offers of MBI and/or its\naffiliates.\n9\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1102 9o fo 2f 0145\n4.2. Third Party Disclosures\nConsumer Accounts. Our privacy policy for consumers is described in MBI’s Privacy Disclosure, which is available on MBI’s\nhtt We provide this Privacy Disclosure to consumers who open an Account with us for personal\nuse. The Privacy Disclosure describes how we handle personal consumer financial information we collect in the course of our\ndealings with you and the circumstances under which we may disclose that information to affiliated companies. Except as noted\nin Section 4.1, MBI does not expect to share information collected from you during the application process with third parties,\nexcept as required to verify your identifying information or credit history. Please consult the Privacy Disclosure for more detail\non the circumstances in which we may share information collected in the course of our dealings with you after opening an\nAccount and becoming a Client.\nBusiness Accounts. We may share information about our experiences with you with affiliated companies and selected third\nparties. We may also share information that you have provided to us on applications or that we receive from outside sources\namong MBI Affiliates.\n4.3. Anonymized Client Data\nMBI will own and have the right to use the Client Data of any Client for any purpose without its consent if such Client Data is (i)\ncombined or aggregated with information relating to other Clients or information derived from other sources, or (ii) is anonymized\nin a way that reasonably prevents the identification or attribution of such Client Data to such Client.\n4.4. Data Protection\nMBI shall take commercially reasonable precautions to protect the confidentiality of all Client Data, including by implementing\nand maintain a written information security program that provides appropriate security measures to safeguard Client Data that\nis received by MBI in connection with providing Services to Clients.\n5. GENERAL TERMS\n5.1. Account Opening and Ownership\nWe will rely on information you give us in order to open an Account and determine its legal and beneficial ownership. You agree\nand acknowledge that we may rely on the information in our books and records to determine the owner(s) of your Account.\nIf the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary,\npartnership, sole proprietorship or other legal entity applying in any capacity other than an individual capacity, each person\nsigning the signature card or completing other application requirements represents and agrees that they:\n• are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity;\n• have furnished all documents or other information necessary to demonstrate that authority; and\n• will furnish other documents and complete other requirements as we may request from time to time.\nWe may refuse to recognize any resolution affecting the Account that is not on any form with which we provide you or that\nappears to us to be incomplete or improperly executed.\nChanges to Account Information. When you ask us to make a change to this information or your Account, and we agree to the\nchange, the change is not effective until we have had a reasonable time to act on the new information.\n5.2. Reliance on Information\nWhen we process transfers to and from an Account, we may rely upon our records regarding the ownership of the Account and\nthe terms of this Agreement at the time we process the transaction. We do not have to inquire about the source or ownership of\nany funds we receive or about the destination of any withdrawal from an Account. When we permit a withdrawal from an Account\nat the request of any signer, or the agent of any signer, in accordance with the terms of this Agreement, the withdrawal is a\ncomplete release and discharge of MBI from all claims regarding the withdrawal.\n10\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1113 0o fo 2f 0145\n5.3. Management of Your Account\nYou agree that you are solely responsible for the security of your account password and login credentials. To the extent you\nshare this information with an authorized agent(s), or if the integrity of your account password and login credentials is\ncompromised due to actions outside the control of MBI, you specifically agree to assume the risk of any unauthorized acts by\nyour authorized agent(s) or others, You specifically assume the risk of any loss, costs, or expenses caused or incurred thereby\nif you do not maintain adequate control of and properly manage your Account, including any failure to change or update\npasswords and login credentials on a reasonable and timely basis.\nWe may rely conclusively on the validity and binding effect of any item signed, drawn, endorsed, executed, delivered, presented,\nissued, or otherwise transferred by you or any authorized agent, and you are expressly estopped from denying the validity of\nany such item and binding effect and authorization of any such action. We shall be under no duty to investigate the authority for\nthe execution and/or delivery of any item or document or the application of any proceeds thereof.\n5.4. Assignment of Your Account.\nNo pledge, assignment, or other transfer of any Account by you, whether by purchase and assumption, assignment, sale,\nmerger, acquisition, gift or otherwise, shall be binding on us unless acknowledged by us in writing. Unless we agree otherwise\nin writing, the Account will remain subject to our rights of set off even after we receive notice of the transfer.\nWe reserve the right not to acknowledge or accept any attempted transfer of an Account. We are not required to accept or\nrecognize an attempted assignment of your Account or any interest in it, including a notice of security interest, or deposit account\ncontrol agreement, except as required by law. If you have granted to us a security interest in your Account to secure debt you\nowe to us, we will be deemed to have control of your Account under the Uniform Commercial Code.\n6. CUSTODY ACCOUNT SERVICES\n6.1 Our Relationship with You\nAppointment of Custodian. Client hereby appoints MBI as custodian (the “Custodian”) of all Fiat Currency and Digital Asset\namounts Client transfers to the possession of Custodian for safekeeping in the Client’s Custody Account, and MBI hereby agrees\nto serve as custodian of all assets held in the Client’s Custody Account. In its capacity as Custodian, MBI shall hold, possess\nand administer the Client’s Account in accordance with (i) the Client’s instructions; and (ii) the instructions of Client’s Authorized\nPersons; and, (iii) the terms of this Agreement. MBI shall identify on its books and records the Fiat Currencies and Digital Assets\nbelonging to its Clients, whether held directly or indirectly through Subcustodians, which MBI may employ to hold Client assets\nin its sole discretion. Fiat Currency and Digital Asset amounts held at MBI through its Subcustodians may be subject to the terms\nand conditions of MBI’s agreements with such Subcustodians. MBI may, at any time, cease utilizing any Subcustodian and/or\nmay replace a Subcustodian with a different Subcustodian.\nStandard of Care. In performing its duties under this Agreement (other than its duties as a custodian), MBI shall exercise the\ndegree of care of a reasonable person. In performing its duties as custodian, Custodian will exercise the degree of care that a\nreasonable person having responsibility for safekeeping such assets as it has been appointed to hold and possess would\nexercise under the circumstances.\n6.2. Instructions Regarding Management of Custodial Funds\nIn furtherance of its responsibilities as Custodian, and subject to the limitations and qualifications of this Agreement, Client\ninstructs Custodian to:\n(i) Safekeep Fiat Currency and Digital Asset amounts transferred into the Custody Account (the “Custodial\nFunds”)\n(ii) Monitor and maintain the Custodial Funds;\n(iii) Manage the Custodial Funds in accordance with Section 6.3 of this Agreement;\n(iv) Keep timely and accurate records regarding the deposit, disbursement and investment of the Custodial Funds;\nand,\n(v) Prepare such periodic statements regarding and access to information pertaining to the Custodial Funds in the\nfrequency and manner contemplated in this Agreement.\n11\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1123 1o fo 2f 0145\n6.3. Management of Funds Held in Custody\nUnless otherwise required by applicable Laws, Fiat Currencies and Digital Assets transferred to the Custody Account shall be\nheld (i) in a legally segregated, operationally commingled account (an “Omnibus Account”) at one more commercial banks or\nother financial institutions selected by MBI, in its sole discretion, to act as a subcustodian (each a “Subcustodian”). Omnibus\nAccounts will be in the name of MBI acting as Custodian for the benefit of Clients. Fiat Currencies transferred to a Custody\nAccount may be held in cash or invested in Cash Equivalents. MBI is capable of identifying on its books and records the cash\nand Cash Equivalents held for the benefit of Clients, whether held directly or indirectly through Subcustodians, in a manner\nconsistent with 12 C.F.R. § 330.5(a)(2).\nManagement Fee. Cash and Cash Equivalents held in Omnibus Accounts with our Subcustodians may (or may not) generate\ninterest earnings in MBI’s Subcustodial accounts. Except as otherwise provided in this Agreement, all interest earned on any\nFiat Currencies held by Custodian on behalf of Client shall be payable to Custodian as consideration for the custody services\nprovided to such Client.\n6.4. Additional Custody Account Features\nThe minimum balance required to open an account is $500.00 USD, or its equivalent in other Fiat\nInitial Balance\nCurrencies or Digital Assets.\nInterest Rate 0.00%\nAnnual\n0.00%\nPercentage Yield\nMBI charges a management fee, as described in Section 6.3. Additional fees are detailed in MBI’s\nFees to MBI\nSchedule of Fees.\nTransaction\nLimitations The transaction limitations for your Accounts are set forth in Section 6.2.\nAdditional Fee As noted above, you are not responsible for paying any fees to MBI for opening and maintaining this\nDisclosure Account, although we may deduct certain interest earnings in consideration for our custodial services.\n6.5. Not FDIC Insured\nFiat Currencies placed with MBI are NOT INSURED by the Federal Deposit Insurance Corporation nor by any government-\nsponsored or non-government sponsored insurance scheme or product in the United States or in Puerto Rico.\n7. TRANSFER SERVICES\nYou may direct certain transfers of funds to and from your Custody Account, as described in this Section 7, subject to the\nlimitations in Section 7. From time to time, without prior notice, MBI may add or eliminate its transfer Services, or otherwise\nmodify the terms or features of any of its Services.\nIn addition to its Custody Account services, MBI currently offers the following transfer Services:\na. Wire Transfer Services\nFor transfer transactions, your request will be completed only if you have sufficient funds in the account from which you wish to\ntransfer funds and, in the case of like-titled accounts, the accounts are linked for transfer capabilities. Dollar limitations may be\nset according to the account type and/or the type of online transfer service you are utilizing to transfer funds. These limitations\nare set for security reasons and may not be disclosed for that reason. Transfers may be delayed based on the time of transaction\n12\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1133 2o fo 2f 0145\nand the type of transfer service you are utilizing to process the transfer. Certain types of transfers are subject to additional terms\nand conditions set forth below.\n7.1. Funding Your Account\nYou can fund your Account with MBI by linking an External Account and initiating a transfer. MBI accepts Society for Worldwide\nInterbank Telecommunications Payments (“SWIFT Payments”) and the Federal Reserve Wire Network (“Fedwire”) transfers\nfor Fiat Currencies. Transfers of Fiat Currencies will not be credited to a Custody Account until the transfer of such Fiat Currency\nto such Custody Account has been settled, as determined by MBI.\n7.2. Linking External Accounts; External Account Transfers\nA Client may connect or link an External Client Account to its Account for the purposes of making transfers to, and withdrawals\nfrom, such Custody Account; provided, however, that no External Client Account will be connected or linked to a Client’s MBI\nAccount unless MBI, in its sole discretion, approves the External Client Account for use in connection with transfers to and from\nthe Custody Account. MBI may rescind its approval of any External Client Account at any time. With respect to each transfer to\nand from the Custody Account, Client must designate an approved External Client Account as the source of the transfer into the\nCustody Account or the destination for the transfer out of it.\nBy utilizing this transfer service, you authorize MBI to initiate ACH debits and credits on your behalf, for your convenience, in\nany amount you authorize. MBI may impose limits on the amounts for risk management purposes which restrict these amounts\non a daily, weekly, monthly or other periodic basis. MBI may terminate this service at any time for any reason.\nTo revoke this authorization, delete the linked account from your MBI Account and notify us of the revocation in writing. You\nagree that the revocation of authorization is not effective until MBI has opportunity to receive and act on the notification. In all\ncases, we will consider the revocation of authorization effective upon our receipt and confirmation in writing to you of said\ninstructions.\nLimitations on Transfers to External Accounts\nRight to require advance notice of withdrawals. For all amounts held in Custody Accounts, MBI reserves the right to require at\nleast seven (7) days’ prior written notice of your intent to make a withdrawal. Although we usually process withdrawals without\nprior notice on our Custody Accounts, doing so does not mean that we give up that right to require prior written notice of seven\n(7) days’ or more.\nRight to limit certain types of transfers. MBI reserves the right to impose limits on the number of certain types of transfers you\ncan make each month from your Custody Account. Although we typically do not limit the number of certain types of transfers\nyou can make each month, we may decline to process more than six (6) electronic transfer requests from your Custody Account\nto an External Account in any one 30-day period. If you exceed the transfer limits on more than an occasional basis, we may\nclose your Account, with or without prior notice to you.\nUnfunded Transfers. MBI does not offer or provide overdraft services and, therefore, cannot process unfunded transfers. All\ntransfer requests to an External Account exceeding your current Available Balance will be declined without liability to MBI.\nLimitation on Liability. We may refuse to allow any transfers without creating liability to you if we have a concern that one or\nmore transactions in your Account may have been unauthorized or fraudulent, if there is a dispute concerning the Account that\nmakes us uncertain regarding the instructions that have been given, the account is garnished or attached, the Account has been\npledged to MBI as collateral for a debt, the availability of the funds held at MBI cannot be verified, any required documentation\nhas not been presented, or you have failed to repay an obligation to us on time.\n8. FUNDS AVAILABILITY\nAlthough MBI does not offer transaction accounts, it is generally our policy to follow U.S. federal guidelines for funds availability\nwhere applicable to our Service. As described above, the only method of funds transfer accepted by MBI for its Custody Accounts\nat this time is wire transfer via SWIFT or Fedwire.\n13\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1143 3o fo 2f 0145\n8.1. When Are Funds Available?\nFor determining the availability of your funds, every day is a “business day,” except Saturdays, Sundays, and federal holidays.\nIf you make a deposit before 3:45 PM EST on a business day that we are open, we will consider that day to be the day of your\ndeposit. However, if you make a deposit after 3:45 PM EST or on a day we are not open, we will consider that the deposit was\nmade on the next business day we are open.\nWire Transfers\nFunds from the following transfers to established Custody Accounts are available on the first business day after the day of your\ntransfer:\n• Wire Transfers\n8.2. Processing Transactions\nPosting transactions to your Account impacts your Account balance. Posting a credit increases your balance. Posting a debit or\nhold reduces your balance. Transfers into your Custody Accounts will credit your Account. Transfers out of your Custody Account\nwill debit it. Your Account may also be debited for the payment of fees, including fees owed to MBI for its Services.\nIt is generally not the policy of MBI to process more than one transaction in your Account in a single day. To the extent MBI\ndeviates from this policy, you agree that we may in our discretion determine our posting orders for the transactions, as well as\nthe order in which we post debits and credits to your Account.\n9. INSUFFICIENT FUNDS AND OVERDRAFT PROTECTION\nWe do not authorize overdrafts on your Account under any circumstances or extend credit on your behalf to cover them. All\ntransfer requests must be fully funded by your Available Balance.\n10. FEES & SET-OFF\nYour Account is subject to the fees described in this Agreement and detailed in the Schedule of Fees, which is available at\nhtt The Schedule of Fees that applies to your Account is a binding part of this Agreement. By\nentering this Agreement and becoming a Client, you agree to pay any fees listed in MBI’s Fee Schedule, as updated from time\nto time by MBI in its sole discretion and published to its website or communicated to you by Electronic Means. Client agrees to\npay Account fees in a timely manner, and hereby authorizes and directs Custodian to direct a deduction from the Custodial\nAccount in an amount equal to the value of the then-outstanding amount owed to MBI. If there are not enough funds in your\naccount to cover the amounts you owe us, we may deduct up to the full remaining amount and close your Account, without being\nliable to you. If you or any of your Affiliates owe money to MBI, or to any Affiliate of MBI (including Affiliates that provide services\nto MBI), we reserve the right to deduct all amounts owed by you or your Affiliate from any Account you control with us. If you\nbelieve the amounts withheld from any of your Accounts are in error, you agree that your exclusive remedy is to seek arbitration\nof your dispute pursuant to the dispute resolution provisions contained in Section 11.8 of this Agreement.\n11. OTHER TERMS AND CONDITIONS\n11.1. Additional Definitions That Apply to This Section\n“Arbitration” has the meaning given to such term in Section 11.8.\n“Arbitrator” has the meaning given to such term in Section 11.8.\n“BSA/AML Requirements” has the meaning given to such term in Section 11.2.\n14\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1153 4o fo 2f 0145\n“Consequential Damages” means (i) consequential, incidental, punitive, exemplary damages, (ii) any loss of revenue and of\nloss of profit, including any loss arising from use of the Services, and (iii) any similar type of damages or losses.\n“Dispute” means any disagreement between the Parties regarding, related to, or arising from this Agreement (including any\ndisagreement regarding (i) any act or omission by a Party, or (ii) the interpretation or enforceability of any provision of this\nAgreement.\n“FinCEN” means the Financial Crimes Enforcement Network.\n“Force Majeure Event” means any event, condition or circumstance beyond the reasonable control of MBI, including\ncircumstances caused, directly or indirectly, by: acts of God; wars; hurricanes, earthquakes; fires; floods; any disruption or failure\nof any utility; civil disturbances; pandemics; any disruption or failure of any technology; any failure or disruption of any service\nor service provider; or any changes in applicable Laws.\n“Governmental Authority” means any federal, state, local or foreign governmental authority; a state, province, commonwealth,\nterritory or district thereof; a county or parish; a city, town, township, village or other municipality; a district, ward or other\nsubdivision of any of the foregoing; any executive, legislative or other governing body of any of the foregoing; any agency,\nauthority, board, department, system, service, office, commission, committee, council or other administrative body of any of the\nforegoing; any court or other judicial body; and any officer, official or other representative of any of the foregoing.\n“Losses” means any and all damages, fines, fees, penalties, deficiencies, liabilities, claims, losses, damages demands,\njudgments, settlements, obligations, costs and expenses (whether actual, special, consequential, or punitive), including interest,\ncourt costs and fees, costs of attorneys, accountants and other experts, and other expenses of litigation or other proceedings or\nof any claim, default or assessment.\n“OCIF” means the Office of the Commissioner of Financial Institutions for Puerto Rico.\n“OFAC” means the Office of Foreign Assets Control of the United States Department of the Treasury.\n“MBI Intellectual Property” means all of the MBI Software Assets, MBI Proprietary Interests and MBI General Know-How.\n“MBI Proprietary Interests\" means all patents, copyrights, trade secrets and trademarks, whether issued or pending, and other\nintellectual property rights of MBI.\n\"MBI Software\" means all software owned by or licensed to MBI.\n\"MBI Software Assets\" means (a) the MBI Software, (b) all documents used in the design, development, operation,\nmaintenance or installation of the MBI Software, or principally describing any MBI Software or its use, and (c) all copies of MBI\nSoftware.\n11.2. BSA/AML/OFAC Requirements\nMBI is subject to the U.S. Bank Secrecy Act, as amended by the USA Patriot Act of 2001, and its implementing regulations, as\nadministered by FinCEN, as well as the anti-money laundering laws and regulations administered by OCIF (collectively, MBI’s\n“BSA/AML Requirements”). In addition, MBI must comply with the regulations issued by OFAC (“OFAC Requirements”). In\norder to ensure that MBI provides safe and reputable Services in full compliance with its BSA/AML Requirements and OFAC\nRequirements, it is MBI’s policy to monitor for suspicious transactions and comply with mandatory reporting of suspicious\ntransactions to appropriate regulators in addition to collecting information at about its prospective clients during the application\nprocess.\nDuring the application process and at all times thereafter, Clients are required to provide MBI with all information that MBI\ndetermines, in its sole discretion, is necessary to meet its obligations under its BSA/AML Requirements and OFAC\nRequirements. MBI reserves the right to refuse opening an Account to, or to bar transactions from or to, or terminate any\nrelationship with, any Client for any reason (or for no reason) at any time. MBI shall have the right to suspend Client’s Account\nand the Services where it concludes that doing so is needed to comply with its responsibilities under the BSA/AML Requirements\nand OFAC Requirements. Client agrees to excuse MBI from performance of its obligations relating to Client or the Custody\n15\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1163 5o fo 2f 0145\nAccount under the Client Agreement and this Agreement if MBI reasonably determines that performance might cause it to violate\nits obligations under the BSA/AML Requirements and OFAC Requirements.\nClient acknowledges that it may be required to forfeit any and all Client Assets in its Accounts to the appropriate authorities. As\npart of the BSA/AML Requirements and OFAC Requirements, MBI is required to obtain, verify, and record information that\nidentifies each Client (and the related User(s)) who opens an Account. Each new Client (and related Authorized Persons) shall\nbe required to provide their name, physical address, mailing address, date of birth, and other information to MBI. Furthermore,\nMBI may require each Client (and related Authorized Persons) to provide additional information to MBI or undergo a background\ncheck prior to being authorized to open a Client Account and access the Services or at any point thereafter in accordance with\napplicable Laws. MBI hereby expressly reserves the right to keep and share such information and documentation with its\nregulators and law enforcement, even when the Account relationship is terminated or the application to open an Account has\nnot been completed.\n11.3. Suspension of Services\nIn the event of any Force Majeure Event or any other event that would make providing any Service to Clients commercially\nunreasonable for MBI, MBI may, in its sole discretion and without any liability to any Client, with or without notice, suspend or\nlimit any or all of the Services provided to Clients.\nIn the event that any Client breaches any terms of this Agreement, MBI may, in its sole discretion and without any liability to\nsuch Client, with or without notice, suspend or limit any or all of the Services provided to such Client.\n11.4. Investigations, Governmental Authorities and Legal Proceedings\nMBI may initiate and carry out an investigation into any matter related to this Agreement or the use of any Service.\nMBI may disclose any information and documents received by MBI regarding any Client, its Custody Account and its use of\nServices to any Governmental Authority (i) to the extent required by applicable Laws, and (ii) in connection with any investigation,\nrequest, inquiry or proceedings by such Governmental Authority.\nMBI will strictly comply with any order or writ of attachment issued by any Governmental Authority (including the Treasury\nDepartment and the Internal Revenue Service). As a result, MBI could among other things be obligated to (i) freeze access to\nClient Assets, or (ii) deliver Client Assets to a Governmental Authority or other Person. Regardless of the terms of such\nattachment, garnishment, levy or other state or federal process, we have first claim to all funds in your Account. To the extent\nnot prohibited by applicable Laws, MBI will provide a Client with prompt written notice of any order or writ of attachment or other\nlegal process affecting any Client Assets of such Client.\nMBI will be under no obligation to contest, challenge, or question the terms of such order or writ, or to raise any defense that a\nClient may have against the Person seeking any order or writ against any Client Assets of such Client. We may take action to\ncomply with such legal process as we determine to be appropriate in the circumstances without liability to you, even if the legal\nprocess purports to affect the interest of only one owner of a joint account and even if any funds we may be required to pay out\nleaves insufficient funds to pay a transaction you have authorized. If we incur any expenses, including without limitation,\nreasonable attorney fees, in connection with any such legal process, we may charge any expenses and fees to your Account or\nany other Account you may have with us without prior notice to you, or we may bill you directly for such expenses and fees. Any\ngarnishment or other levy against your account is subject to our right of setoff and security interest. MBI will only be obligated to\nrelease affected Client Assets when it has been served with an order that such Client Assets may be released. Presentment to\nMBI of any other evidence will not be sufficient for MBI to release any affected Client Assets.\nIf any Client Assets of any Client become subject to any actual or potential legal proceeding, MBI may refuse to honor any\ninstructions from such Client with respect to such Client Assets until such proceeding has been resolved. MBI will not be liable\nto Client for amounts paid pursuant to any order, attachment, or notice of levy in any circumstances.\n11.5 Setoff and Security Interest Rights\nYou hereby grant to MBI as agent and representative of its Affiliates, a security interest in all of your Accounts and all of the\nCustodial Funds, investment property, financial assets, securities, instruments, general intangibles, or cash and other funds that\nmay be deposited and held in such Accounts whether now existing or hereafter arising or deposited therein in the future together\n16\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1173 6o fo 2f 0145\nwith all proceeds thereof as security for obligations now or in the future owing to MBI or its Affiliates by you or your Affiliates.\nThese obligations include both secured and unsecured debts. We may take or set off funds in any or all of your Accounts with\nus for direct, indirect and acquired obligations that you or your Affiliates owe us or our Affiliates. These rights are in addition to\nother rights we have to take or charge funds in your Account for obligations you or your Affiliates owe us or our Affiliates. You\nand your Affiliates and MBI hereby agree that each item of property (whether investment property, financial asset, security,\ninstrument, general intangible, Custodial Funds or cash) credited to an Account shall be treated as a “financial asset” within the\nmeaning of Section 8-102(a)(9) of the Uniform Commercial Code as in effect in the State of New York from time to time (the\n”UCC”). MBI hereby represents and warrants and agrees that it is and will at all times be acting as a “securities intermediary”\nwithin the meaning of Section 8-102(a)(14) of the UCC and that each Account is a “securities account” within the meaning of\nSection 8-501 of the UCC As used herein, the terms “Financial Asset,” “Investment Property,” “Proceeds,” and “Security\nEntitlement” shall have the meanings set forth in Article 8 and 9 of the UCC. You for yourself and on behalf of your Affiliates\nagree that MBI as secured party for itself and its Affiliates may issue entitlement orders to MBI as securities intermediary with\nrespect to an Account and the financial assets credited thereto and that MBI is authorized to act on such entitlement orders\nwithout your consent or the consent of your Affiliates upon the failure of you or your Affiliates to make timely payment of any\nobligations owed by you or your Affiliates to MBI or its Affiliates. MBI as agent and representative of it Affiliates and as secured\nparty is entitled to exercise all remedies available under the UCC.\nIf the law restricts our ability to take or setoff funds in your Account or the Account of your Affiliates, or if some government\npayments are protected from attachment, levy or legal process, to the extent that you may do so by contract, you waive those\nconditions and limits and authorize us to apply funds in any or all of your Accounts with us or our Affiliates to obligations you or\nyour Affiliates owe us or our Affiliates.\nExercising these rights may result in early withdrawal penalties or may cause us to dishonor items should our action result in\nnon-sufficient funds in your Account.\nIn the case of a joint account, Business Account with joint owners/authorized users we may exercise these rights against the\nAccount and all owners. These rights exist no matter who contributed funds to the joint account. Similarly, each joint owner\nagrees that we may use the money in their individual accounts to satisfy obligations in their joint accounts.\n11.6. Limits on Liability\n(a) MBI DISCLAIMS ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS OR IMPLIED,\nREGARDING ANY SERVICE, OR TECHNOLOGY, OR THE RESULTS OBTAINED BY USE OF ANY SERVICE OR\nTECHNOLOGY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.\nCLIENT EXPRESSLY ACKNOWLEDGES AND AGREES THAT (I) ALL OF THE SERVICES AND TECHNOLOGIES ARE\nPROVIDED ON AN “AS IS” BASIS AND (II) MBI DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS OR\nCOMPLETENESS OF ANY RESULTS OBTAINED BY OR THROUGH THE USE OF ANY SERVICE OR TECHNOLOGY.\n(b) MBI DOES NOT MAKE ANY REPRESENTATION OR WARRANTY (A) THAT THE AVAILABILITY OR USE OF\nANY SERVICE OR TECHNOLOGY WILL BE UNINTERRUPTED, ERROR FREE OR SECURE; (B) REGARDING ANY\nTECHNOLOGY OR SERVICE PROVIDED BY ANY THIRD PARTY, INCLUDING SJMX; OR (C) REGARDING THE QUALITY,\nACCURACY OR COMPLETENESS OF ANY DATA OR TECHNOLOGY.\n(c) INFORMATION STORED OR TRANSFERRED BY CLIENT IN CONNECTION WITH USE OF ANY SERVICE MAY\nBECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES,\nINCLUDING VIRUSES OR OTHER DESTRUCTIVE CODE, SOFTWARE FAILURES, PROTOCOL CHANGES BY THIRD\nPARTY PROVIDERS, INTERNET OUTAGES, A FORCE MAJEURE EVENT OR OTHER DISASTERS, SCHEDULED OR\nUNSCHEDULED MAINTENANCE, OR OTHER CAUSES, EITHER WITHIN OR OUTSIDE OF MBI’S CONTROL. CLIENT IS\nSOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION CLIENT\nSTORES OR TRANSFERS THROUGH THE SERVICE.\n(d) Under no circumstances shall MBI be liable for any Consequential Damages incurred or suffered by Client in\nconnection with, or arising from, this Agreement or any use of the Services.\n(e) MBI shall have no liability for any Losses arising from (i) any Force Majeure Event, (ii) any error or failure related to,\nor arising from, any technology, (iii) any service provided by any Third Party, or (iv) any action or omission by any Third Party.\nWith respect to any Losses incurred by a Client as a result of the acts or the failure to act by any Third Party, MBI shall take\nsuch action as it deems appropriate after consulting with Client to recover such Losses from such Third Party; provided, however,\nthat (x) MBI shall not be obligated to incur any costs to recover such Losses unless Client has agreed to reimburse MBI for such\n17\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1183 7o fo 2f 0145\ncosts on terms acceptable to MBI, and (y) MBI’s sole responsibility and liability to Client shall be limited to amounts received\nfrom such Third Party for Client (excluding costs and expenses incurred by MBI).\n(f) MBI shall have no liability for any act or omission other than liabilities arising from its fraud, gross negligence or\nwillful misconduct.\n(g) No Person (other than the Parties) shall have any liability or obligation under this Agreement, and neither Party shall\nallege or assert any claim regarding this Agreement or the Services against any Person (other than the other Party).\n(h). Notwithstanding anything to the contrary in this Agreement, MBI’s liability to Client for any and all claims made by\nClient against MBI regarding this Agreement, the Terms of Service and use of the Services shall be limited to the total amount\nof Fees (exclusive of interest generated or earned from Cash and Cash Equivalents held in Omnibus Accounts with our\nSubcustodians in MBI’s Subcustodial accounts) paid by Client to MBI during the six (6) months preceding the first date on which\nany claim is asserted against the other party. These limitations apply to all causes of action in the aggregate, including, but not\nby way of limitation, breach of contract, breach of warranty, negligence, strict liability and other torts. You and your Affiliates\nwaive, to the fullest extent of the law, all speculative, consequential and punitive damages whether incurred directly or indirectly.\n11.7 Client Responsibilities, Representations and Warranties\n(a) Client will comply in all material respects with (i) the terms of this Agreement, (ii) the instructions given by MBI to\nClient regarding its Account and the Services, and (iii) the Laws applicable to Client regarding its Account and its use of Services.\n(b) Client shall promptly provide MBI with such information and documents as may be requested by MBI regarding\nClient and its use of the Services to the extent deemed necessary or appropriate by MBI to determine whether or not Client is\nin compliance with this Agreement and all Laws applicable to Client regarding its Account and its use of Services, all of which\nshall be provided in such manner or format as may be reasonably requested by MBI.\n(c) Client shall promptly provide MBI with written notice of any breach of this Agreement by Client or any event,\ncircumstance or development that could reasonably be expected to result in any breach of this Agreement.\n(e) Client will not use, or permit the use of, any of the Services in any manner that would (i) violate any applicable Laws,\n(ii) breach any contract, intellectual property right or other Third Party right to which it is a party or subject, (iii) adversely affect\nor interfere with the ability of MBI to provide any Service to any of its clients, (iv) create Accounts or access data (including Client\nor other client information) through unauthorized means, or (v) breach any of the terms of this Agreement.\n(f) Client represents and warrants that: (i) it has full power and authority to execute, deliver, and perform this Agreement,\n(ii) if an entity, Client is duly organized and validly existing under the laws of the jurisdiction of its organization, (iii) Client has\nobtained all consents, authorizations, and approvals, and has made all filings and registrations and given all notices that it is\nrequired to obtain, make, or give in order to execute, deliver, and perform this Agreement, and (iv) the execution, delivery, and\nperformance of this Agreement by Client does not breach any contract to which Client is a party nor violate any applicable Laws.\n11.8. Choice of Law and Dispute Resolution\n(a) This Agreement and the Terms of Service shall be governed by, and construed in accordance with, the Laws of the\nState of New York, without regard to any conflict of law provisions. This Agreement shall be deemed to have been executed in\nSan Juan, Puerto Rico.\n(b) (i) Any Dispute among the Parties shall be determined by arbitration in San Juan, Puerto Rico (an “Arbitration”),\nwhich shall be administered by JAMS (or any like successor organization thereto) pursuant to its Comprehensive Arbitration\nRules and Procedures and in accordance with the Expedited Procedures in those Rules or pursuant to JAMS’ Streamlined\nArbitration Rules and Procedures. The language used in any Arbitration shall be English.\n(c) An Arbitration shall be presided over by one arbitrator (the “Arbitrator”) who shall be mutually agreed to by the\nParties. If the Parties are unable to agree upon an Arbitrator within thirty (30) days of the commencement of the Arbitration, then\nthe Arbitrator shall be determined in accordance with the applicable rules and procedures of JAMS.\n18\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 1193 8o fo 2f 0145\n(d). The Arbitrator shall apply the Federal laws of the United States of America and the State laws of New York.\nJudgment on the award may be entered in any court having jurisdiction.\n(e). This Section 11.8 shall not preclude the Parties from seeking provisional remedies in aid of arbitration from a court\nof appropriate jurisdiction. The Parties further understand and agree that the decision of the Arbitrator shall be final and binding\nto the fullest extent permitted by law and enforceable by any court having jurisdiction thereof.\n(f). The Parties shall maintain the confidential nature of any Arbitration proceeding and the award, if any, including the\nprivacy of the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as\nmay be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its\nenforcement, or unless otherwise required by law or judicial decision.\n(g) The prevailing party in any Dispute shall be entitled to be reimbursed for all reasonably costs incurred by such party\nin such Dispute by the non-prevailing party.\nTHE REMEDIES AVAILABLE TO THE PARTIES PURSUANT TO SECTIONS 11.5 & 11.7 SHALL BE THE SOLE AND\nEXCLUSIVE REMEDIES AVAILABLE TO THE PARTIES WITH RESPECT TO ANY DISPUTE ARISING OUT OF OR\nRELATING TO THIS AGREEMENT.\n11.9. Unreturned or Abandoned Property\nIf for any reason MBI is unable to return any Client Assets to a Client’s designated External Client Account, then MBI will report\nand remit such Client Assets in accordance with applicable unclaimed property laws, including the laws of Puerto Rico, if\napplicable.\n11.10. Taxes\nEach Client is solely responsible for determining what, if any, taxes apply to transactions processed by such Client through the\nServices, and it is each Client’s responsibility to report and remit the correct tax to the appropriate tax authority. MBI will not be\nresponsible for determining whether taxes apply to any Client’s transactions or for collecting, reporting, withholding or remitting\nany taxes arising from any transactions.\nAny failure by Client to satisfy its tax obligations that result in Losses to MBI, including legal expense relating to potential\nsubpoenas by taxing authorities, shall be promptly reimbursed by Client upon request by MBI.\n11.11. Miscellaneous\n(a) Entire Agreement. This Agreement and the Terms of Service (i) contains the entire agreement among the Parties\nwith respect to the subject matter hereof, and (ii) supersedes all prior agreements and arrangements (oral and written) among\nthe Parties with respect to the subject matter hereof.\n(b) Amendment. This Agreement may only be amended, modified, or supplemented pursuant to an agreement in writing\nthat has been executed and delivered by both Parties. MBI may amend, supplement or modify the Terms of Service at any time\nwithout any consent upon giving Client written notice of such amendment, supplement or modification.\n(c) Waiver. No Party shall be deemed to have waived any of its rights under this Agreement unless such waiver is\npursuant to an agreement that has been executed and delivered by such Party, and such waiver shall be limited to the terms of\nsuch agreement. No waiver of any provision of this Agreement by any Party shall be deemed a waiver of (i) such provision in\nthe future, or (ii) any other matter by such Party.\n(d) Severability. The invalidity and unenforceability of any provision of this Agreement in any jurisdiction shall not affect\nthe interpretation of (i) the other provisions of this Agreement in such jurisdiction, and this Agreement shall be construed in all\nrespects as if such invalid or unenforceable provision were omitted, and (ii) this Agreement in any other jurisdiction.\nNotwithstanding the foregoing, if any provision of this Agreement is determined to be unenforceable, this Agreement shall be\ninterpreted in a manner consistent with such provision to the fullest extent permitted by applicable Laws.\n19\n\nCasCea 1se:2 13:-2c3r--0c0r-101081-1A8T- A T D oDcoucmuemnet n6t1 220-86- 5 F Filieledd 0 142/0/241/2/253 PPaaggee 2103 9o fo 2f 0145\n(e) Assignment. Client may not assign or transfer any of its rights or obligations under this Agreement without prior\nwritten consent from MBI, including by operation of law or in connection with any change of control. MBI may assign or transfer\nany or all of its rights under this Agreement, in whole or in part, upon providing Client prior written notice.\n(f) Intellectual Property. MBI or its third-party licensors are and shall be the owners of the MBI Intellectual Property and\nClients shall not have any ownership rights, express or implied, in the MBI Intellectual Property.\n(g) Interpretation. Except as otherwise provided in this Agreement or the Terms of Service, this Agreement will be\nsubject to the following clauses of interpretation: (i) the gender (or lack of gender) of all words used includes the masculine,\nfeminine, and neuter; (ii) the meanings of all words used shall be applicable equally to the singular or plural, as applicable; (iii)\nthe words “include” and “including” shall be without limitation; (iv) the words “based on” shall mean based on, related to, or\nderived from, (v) references to Sections, Annexes and Schedules refer to the Sections, Annexes and Schedules of this\nAgreement or the Term of Service, as applicable; (vi) references to laws refer to such laws as they may be amended from time\nto time, and references to particular provisions of a laws include any corresponding provisions of any succeeding laws; (vii)\nreferences to any agreement refers to such agreement as it may be amended, modified, supplemented, or replaced (including\nby any consent or waiver) from time to time, (viii) all headings and captions contained in this Agreement are inserted for\nconvenience of reference only and shall not be deemed to interpret or modify the provisions of this Agreement; (ix) references\nto money refer to legal currency of the United States of America unless otherwise stated; and, (x) any acts or omissions of MBI\npursuant to, or in connection with, this Agreement or the Terms of Service, shall be in the sole and absolute discretion of MBI.\n(h) Counterparts. This Agreement may be executed in counterparts (including by electronic signature), each of which\nshall constitute an original and all of which, when taken together, shall constitute one agreement.\n[********]\n20\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 6 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 14 0o fo 1f 145\nAtachment Descrip�on of Annex Title/Relevant Cita�on/Page\nNumber\nAtachment A Government response to the Mo�on (ECF 188) - Case 1:23-cr-00118-AT\nfor Return of Property (7 Dec 2023) Document 188\nPage 1 and Page 2\nAtachment B Leter in reply to the trustee n/a\nobjec�ons to the mo�on for the\nreturn of property – Brad Geyar.\nAtachment C The Debters Mo�on for relief from (DOC 561 ) - Case 22-50073 (JAM)\norder Appoin�ng Luc Despins. Doc 561\nBankruptcy Trustee’s lawyer (Paul (ECF 189) - Case 1:23-cr-00118-AT\nAtachment D Has�ngs leter) filed on behalf of Luc\nDespins on 8 Dec 2023\nAtachment E Luc Despins/ Paul Hastings fees and Case 22-50073 Doc 2256 Pg 3\nExpenses. Onwards\nAtachment E1 Transcript (highlighted) (ECF 151-3) Case 1:23-cr-00118-AT\nAugust 29, 2023\nAtachment F Governments Forfeiture Bill of (ECF 38) - Case 1:23-cr-00118-AT\nParticulars Document 38\nAtachment G Letter from Candeys Solicitors\nDecember 12, 2023\nAtachment G1 Transcript Case 22-50073 Doc 1985\nJune 29, 2023\nAtachment H Bankruptcy counsel represen�ng (ECF 2425) - Case 22-50073 Doc\nChapter 11 trustee Luc Despins 2425\nAtachment I Transcript (ECF 2174) - Case 22-50073 Doc\nAugust 29, 2023 2174\nPages 24- 29\nAtachment J Aramino Audit\nDecember 20, 2021\nAtachment K Aramino Audit\nAugust 10, 2022\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 7 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 14 1o fo 5f 145\nBusiness Account Application\nBusiness Legal Name\nHimalaya International Reserves Ltd\nAuthorized person completing this application\nGeorgette Adonis-Roberts\nAs the person completing this application, I am a\nEmployee/Executive\nPlease upload the Corporate Resolution of the company authorizing you to open and manage an\naccount for the entity.\nBusiness Address\nCommerce House, Cay 1, Tortola, Tortola VG1110, Virgin Islands (British)\nEmail of the authorized person completing the Phone\napplication 07464803316\nGeorgette.Adonis-Roberts@Hamilton-CH.com\nBusiness Registration Number Business Tax ID (EIN for USA Entity)\n2047670 n/a\nDate Company registered Country of business registration\n11/9/2020 Virgin Islands (British)\nAbout your business\nPlease describe your business and who your customers are.\nThe Himalaya Dollar (HDO) is an Ethereum-based ERC-1404 token that has backward compatibility to the\nERC-20. Our stable coin fixed to the United States Dollar (USD) with the backing of a Reserve consisting\nof USD and cash-equivalent assets.\nWhat is the purpose of opening a bank account with FV Bank? Please describe how you will use\nthe account.\nTo hold the proceeds of the sale of our Himalaya Dollar.\nHas the Applicant, its owners or principals, been subject to any regulatory investigation, penalty or\nenforcement in the last 5 years?\nNo\nIs your business involved in any of the following (check all that apply)\nDoes your business have a written business plan?\nNo\nExpected Account Activity\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 7 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 24 2o fo 5f 145\nExpected amount of initial deposit Expected average balance\n$300,000,000.00 $500,000,000.00\nExpected number of monthly ACH deposits Expected amount of monthly ACH deposits\n0 $0.00\nExpected number of monthly ACH payments Expected amount of monthly ACH payments\n0 $0.00\nExpected number of monthly Domestic Wire Expected amount of monthly Domestic Wire\ndeposits deposits\n0 $0.00\nExpected number of monthly Domestic Wire Expected amount of monthly Domestic Wire\npayments payments\n3 $100,000,000.00\nExpected number of monthly International Wire Expected amount of monthly Interntional Wire\ndeposits deposits\n3 $1,000,000.00\nExpected number of monthly International Wire Expected amount of monthly International Wire\npayments payments\n3 $20,000,000.00\nEntity Type\nLimited Liability Company\nWebsite Please provide any \"Doing Business As \" names you also operate\nhttp under if any.\nHimalaya Dollar\nPlease provide the name and valid identification (passport) for an individual in your organization who has\nsignificant responsibility to control, manage or direct the company? This may include an executive officer\nor senior manager such as a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer,\nPresident, or any other individual who regularly performs similar functions.\nName\nKin Ming Je\nRole Controller Identity Document\nPresident WJ passport.pdf\nHow many other officers are in your organization, not including the above, such as Chief Executive Officer,\nChief Financial Officer and/or Chief Operating Officer that exert control over the business? If so, please list\ntheir names. below.\nNumber of additional Officers\n1\nName Role\nEhsan Masud President\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 7 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 34 3o fo 5f 145\nWho are your shareholders or members who control 25% or more of the entity?\nEntities\nHow many entity shareholders with 25% or more\nownership?\n1\nName of entity shareholder #1 Please list all shareholders who own 25% or\nMajor Leaad International Limited more of the entity\nPercentage of ownership of entity #1\n100.00%\nHow many directors does your company have?\n2\nDirector #1\nJesse Brown\nPlease upload a valid govenment issued photo ID of the Director #1\nJesse-Passport.pdf\nDirector #2\nHee-Seup Shin\nPlease upload a valid govenment issued photo ID of the Director #2\nHee-Seup Shin Passport (1).pdf\nPlease upload your certificate of incorporation or equivalent\nCert of Incorporation - HIR.pdf\nPlease upload your articles of association or operating agreement.\nHIR M&A 908995 - 09 Nov 2020(1).pdf\nPlease upload a register of shareholders, members or partners.\nHIR Members Register REG 908997 - 18 Nov 2020.pdf\nPlease upload a proof of address for the business. (Utility bill, rental contract, bank statement or\nsimiliar)\nPlease upload a source of funds, like a bank statement, trading account, invoice or contract.\nDoes Your Company deal in crypto currency?\nYes\nIs your company a Money Servcies Business or\nMoney Transmitter?\nNo\nDo you require a license to operate your business model in your jurisdiction of registration?\nNo\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 7 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 44 4o fo 5f 145\nWhat type of crypto currency does your organization work with?\nOther\nPlease list other cryptocurrencies offered since you selected \"Other\" above.\nHDO and HCN\nWhat is your business model in the crypto/blockchain industry?\nOther\nPlease explain your crypto business model if you selected \"Other\" above.\nThe Himalaya Dollar (HDO) is an Ethereum-based ERC-1404 token that has backward compatibility to the\nERC-20. Our stable coin fixed to the United States Dollar (USD) with the backing of a Reserve consisting\nof USD and cash-equivalent assets.\nWho are your primary business partners involved in the crypto currency transactions (liquidity\nproviders, OTC, Exchanges etc.)?\nHimalaya Exchange\nDoes your organization have an AML/CFT Program (Policies and Procedures)?\nYes\nPlease upload your AML/CFT Program (policies and procedures).\nAML Policy_V3.0.pdf\nHas your organization AML/CFT Compliance Program been reviewed by an independent third\nparty?\nNo\nDoes your organization have a Complaints policy?\nNo\nPlease upload your complaints policy.\nDoes your organization have a business agreement or terms and conditions with your customer?\nYes\nPlease upload your buiness agreement or terms and conditions.\nHimalaya Exchange Terms & Conditions (16) New- 17.11.2021.pdf\nDo your customers have direct access to their wallet or account with your service?\nNo\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT:\nTo help the government fight the funding of terrorism and money laundering activities, federal law requires\nall financial institutions to obtain, verify, and record information that identifies each person who opens an\naccount. What this means for you: When you open an account, we will ask for your company formation\ndocuments, business licenses, business address, tax identification number, and other information that will\nallow us to identify your business. We may ask to see your other identifying or ownership documents.\nAcknowledgement of Receipt\n\nCaseC 1a:s2e3 1-c:2r-30-0c1r-1080-1A1T8 - A TD o cDuomceunmt e6n1t2 2-068 - 7 F ilFeidle 0d4 1/024/2/215/2 3 P Paaggee 1 54 5o fo 5f 145\nI hereby acknowledge receipt of this Business Customer Identification Program Notice and\nfurther acknowledge that I understand its contents.\nAcknowledgement and Agreement\nI hereby acknowledge the information provided in this application is true and accurate as of the date set\nforth opposite my signature below. I consent to the use of information contained herein for the\nsole purpose of verifying the identity of my business and preventing fraud and understand that this\ninformation will not be used or shared for any other purpose with any other party. I further represent that I\nam an authorized representative of the business.\nRegulation GG – Unlawful Internet Gambling Disclosure\nI hereby acknowledge receipt of FV Bank International Inc’s Regulation GG Unlawful Internet Gambling\nDisclosure. By signing below, I certify that I am not now engaged in, and during the life of the Account,\nshall not engage in any activity or business that is unlawful under the Unlawful Internet Gambling\nEnforcement Act of 2006, 31 USG 5361, et seq., (the “UIGEA”). I understand that I may not use\nthis Account or any other service to receive any funds, transfer, credit, instrument, or proceeds that arise\nfrom a business that is unlawful under the UIGEA. I agree that if I am asked to process a transaction that I\nbelieve is restricted under the UIGEA, I am block the transaction and take any other action deemed to be\nreasonable under the UIGEA.\nMarijuana Related Business Disclosure\nI hereby acknowledge receipt of FV Bank International Inc’s Marijuana Related Business Disclosure.\nBy signing below, I certify that I am not now engage in, and during the life of the Account, will not\nconduct any marijuana related business activity, as outlined in the Marijuana Related Business Disclosure.\nFailing to alert FV Bank International Inc. that a Beneficial Owner(s) own or directly control a marijuana\nrelated business or are utilizing FV Bank International, Inc. to receive, accept, hold or maintain funds\nderived from a directly marijuana-related business are grounds for immediate termination of all banking\nservices.\nSignature Name of Signer\nGeorgette Adonis-Roberts\nDate of Application\n11/17/2021","body_zh":"Case 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 1 of 145\n通过电子邮件发送至 bradford.geyer@formerfedsgroup.com\nBradford L. Geyer\nFormerFedsGroup.Com LLC\n141 I Route 130 South\nSuite 303\nCinnaminson, NJ 08077\n2023年12月21日\n尊敬的先生：\nHimalaya International Clearing Limited（“Himalaya Exchange（喜马拉雅交易所）”）\n我们提及我们于2023年12月12日发出的信函。如您所知，我们代表喜马拉雅交易所。\n正如该信函所预示的，特此随附：(1) 由 Mazars LLP（玛泽会计师事务所）于2023年12月21日出具的独立专家报告；以及 (2) 本律所合伙人 Sam H Claydon 的证人陈述书，于今日提交法院。\n如果您有任何疑问，请随时与我们联系。\n为免生疑问，如果且在向任何第三方披露本信函或其附件的范围内，本信函或这些附件中的任何内容均无意放弃任何适用的特权，亦不构成对任何适用特权的放弃。此外，如果且在向任何第三方披露本信函或其附件的范围内，以及在后来被裁定本信函或其任何附件确实包含对上述相关信息的特权放弃的范围内，我们无意亦不对与我们的指示或工作成果相关的任何适用特权做出任何更广泛的放弃。\n此致\n敬礼\nCANDEY\n附件。\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 2 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 3 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 4 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 5 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 6 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 7 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 8 of 145\n\nCase 1:23-cr-00118-AT Document 620-76 Filed 04/01/24 Page 9 of 145\n\nCase 1:23-cr-00118-AT Document 620-77 Filed 04/01/24 Page 10 of 145\n\nCase 1:23-cr-00118-AT Document 620-78 Filed 04/01/24 Page 11 of 145\n\nCase 1:23-cr-00118-AT Document 620-78 Filed 04/01/24 Page 12 of 145\n\nCase 1:23-cr-00118-AT Document 620-78 Filed 04/01/24 Page 13 of 145\n\nCase 1:23-cr-00118-AT Document 620-78 Filed 04/01/24 Page 14 of 145\n\nCase 1:23-cr-00118-AT Document 620-78 Filed 04/01/24 Page 15 of 145\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 16 of 145\n客户入职\n及合规流程演示\n2022年6月\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 17 of 145\n我们的团队 我们的 CDD（客户尽职调查）流程\n在喜马拉雅交易所，我们致力于保护我们的客户和加密货币社区。 客户注册流程\n\n身份识别与核实\n喜马拉雅交易所旨在树立加密行业了解你的客户（KYC）的标准。\n\n姓名筛查\n我们的合规团队位于英国和澳大利亚，为集团提供合规服务。\n\n风险评估\n我们合规团队的大多数成员在领先的国际银行和加密公司拥有超过5年的合规经验。 自动批准、自动拒绝和人工风险审查\n\n持续尽职调查\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 18 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n客户注册流程（个人）\n创建用户账户 安全问题设置 电子邮件和短信验证 填写KYC问卷 证件与人脸核实\n创建用户名 创建安全问题 发送一次性密码（OTP）至注册邮箱和手机号以授权创建账户 客户填写KYC问卷以提供客户档案 提交身份证明文件\n客户信息（姓名、出生日期） 安全问题为认证过程增加了一层额外的客户保护 为初始金融犯罪风险评级提供依据 基于风险的方法进行进一步核实，例如银行对账单/财富来源（SoW）/资金来源（SoF） 对客户身份及生物识别信息进行人工智能核实（人脸识别）\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 19 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n客户注册流程（企业）\n指定公司代表 可接受的客户类型 证件核对清单 人工审查（EDD）\n指定代表使用电子邮件地址、密码注册账户 基于业务风险分析的结果，喜马拉雅交易所仅接受以下法律实体： 对企业实体开展尽职调查 无论初始金融犯罪风险评级如何，每位企业客户都必须接受加强尽职调查（EDD）。\n与个人相同的注册流程，包括设置安全问题。\n- 个人投资公司（PIC）\n- 公司与合伙企业\n- 信托\n- 基金\n核实最终所有权结构和法律地位的关键文件，例如：\n- 在职证明书（Certificate of Incumbency）\n- 董事会决议\n- 组织架构图等\n对于商户账户，由于其高风险性质，将采用额外的尽职调查流程。 除主要当事方（法律实体）外，关联方必须完成完整的KYC流程并提供委托书（POA）。例如，持股10%或以上的最终受益人（UBO）、董事、授权代表。对于信托——委托人、保护人、受益人等。\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 20 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n身份识别与核实（ID&V）、筛查\n\n身份识别与核实。客户通过我们的安全在线门户提供姓名、地址和相关数据。客户的身份将根据政府发行的身份证件进行核实。采用人工智能驱动的人脸识别技术，确保身份证件上的照片与自拍照片一致。\n\n地址证明。客户地址根据银行对账单、政府身份证件和公用事业账单进行人工核实。\n\n姓名筛查针对 PEP（政治公众人物）、制裁名单、负面媒体报道进行，以完全符合反洗钱（AML）法规。\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 21 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n业务风险\n识别出的风险 描述 现有的控制措施 在客户风险模型中的体现\n产品风险 • 加密交易所 • 所有用户均须进行身份识别、核实及提供完整KYC数据 • 预期充值水平\n• 支付应用\n• 商户\n客户类型风险 个人客户 • 所有用户均须进行身份识别、核实及提供完整KYC数据 • 风险因素包括就业情况、所在行业\n• 全球范围内的个人\n• 高净值个人 • 针对制裁、PEP、负面媒体进行姓名筛查 • 针对投资工具和复杂结构的客户增加额外风险权重\n• PEP\n企业客户 • 对高风险客户开展加强尽职调查（核实就业情况、资金来源）\n• 个人控股公司\n• 信托\n• 基金\n• 投资工具\n• 复杂结构\n交付渠道风险 非面对面 • Jumio——根据入职时拍摄的身份证件照片和自拍照进行生物识别验证\n地域风险 与受以下情况影响的国家存在关联的客户： • 禁止特定国家的用户注册 • 居住国、国籍、预期资金来源国\n• 制裁\n• FATF（金融行动特别工作组）列出的反洗钱缺陷国家 • 根据公认的全球组织（如 FATF、Transparency International（透明国际））为每个国家分配风险等级，并根据清廉指数（CPI）定期更新国家风险评分。\n• 高腐败水平\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 22 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n风险模型评估\n地域风险 产品风险 交易风险 客户风险\n居住国 加密交易所 计划年度充值额 职业状况\n国籍 支付产品 交易监控 个人或企业\n资金存入/接收自 商户/点对点（P2P） 活动领域\n自动风险评估\n欺诈信号\n最终金融犯罪风险评级\n制裁名单\n分数 分类 PEP 风险\n负面媒体报道\n0-30 低 人工调整 人工审查发现的异常信号\n31-59 中\n60-75 高\n75-99 极高\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 23 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n批准与呈报流程\n中/低风险 自动批准\n高风险 人工审查 自行批准\n极高/受禁止风险 自动拒绝 开展加强尽职调查（EDD）\n联系客户以获取支持文件：\n- 财富来源\n- 资金来源\n双人复核（4 eyes checking）\n对于 PEP，如慈善机构等特殊情况，呈报至 CRO（客户审查与入职）委员会审查和批准\n已完成的KYC档案\n质量控制（抽样审查） 每月抽样\n审查已完成的案件\n必要时整改案件或对客户进行清退（Offboard）\n识别共性问题并提出纠正措施（例如培训/系统改进）\n高级管理人员审查 客户审查与入职（CRO）审查\n由喜马拉雅交易所的高级利益相关者组成\n为批准请求提供指导方针并把控公司的风险偏好\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 24 of 145\n客户注册 身份核实与筛查 风险评估 批准与呈报 持续监控\n已入职客户\n反向筛查\n交易监控\n定期审查\n持续尽职调查\n事件触发\n可疑活动报告（SAR）呈报\n更新后的KYC档案\n清退客户\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 25 of 145\n客户入职及合规流程演示\n谢谢。\n2022年6月\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 26 of 145\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 27 of 145\n\nCase 1:23-cr-00118-AT Document 620-86 Filed 04/01/24 Page 28 of 145\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 29 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 30 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 31 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 32 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 33 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 34 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 35 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 36 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 37 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 38 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 39 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 40 页（共 50 页）\n\nCase 1:23-cr-00118-AT Document 620-3 Filed 04/01/25 第 41 页（共 50 页）\n\nCase 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620-4 Filed 04/01/25 第 6 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 7 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 8 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 9 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 10 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 11 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 12 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 13 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 14 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 15 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 16 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 17 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 18 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 19 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 20 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 21 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 22 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 23 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 24 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 25 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 26 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 27 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 28 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 29 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 30 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 31 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 32 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 33 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 34 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 35 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 36 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 37 页（共 44 页）\n\nCase 1:23-cr-00118-AT Document 620-4 Filed 04/01/25 第 38 页（共 44 页）\n\n案号 1:23-cr-00118-AT 文件 620-8 提交于 04/21/24 第 119 页，共 145 页\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 12 of 145\n\nMERCANTILE BANK\nINTERNATIONAL CORP. 在线托管与银行服务协议\n\n所有在 MERCANTILE BANK INTERNATIONAL CORP.（“MBI”）开立账户的客户均应受本《在线托管与银行服务协议》的约束。本《在线托管与银行服务协议》可由 MBI 随时进行修改。修订后的条款在 MBI 网站上以电子形式公布或由客户通过电子邮件收到后立即生效。版本 2022-09\n最后修订日期：2020-06\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 13 of 145\n\n目录\n1. 定义\n2. 在线银行服务概述\n2.1. 账户申请与批准\n2.2. 您在开户时向我们提供的信息\n2.3. 账户信息\n2.4. 不受 FDIC 保险保护\n2.5. 本协议的变更\n2.6. 账户关闭\n3. 《电子签名披露与同意书》\n3.1. 引言\n3.2. 适用于本节的附加定义\n3.3. 记录与通信可以电子形式提供\n3.4. 索取纸质副本\n3.5. 系统要求\n3.6. 撤回您的同意\n3.7. 更新您的信息\n3.8 联邦法律\n3.9. 《电子签名披露条款》的终止\n3.10. 同意接收电子记录\n4. 隐私政策\n4.1. 一般规定\n4.2. 向第三方披露\n4.3. 匿名化客户数据\n4.4. 数据保护\n5. 一般条款\n5.1. 开户与所有权\n5.2. 对信息的信赖\n5.3. 您的账户管理\n5.4. 您账户的转让\n6. 托管账户服务\n6.1. 我们与您的关系\n6.2. 关于托管资金管理的指示\n6.3. 托管资金的管理\n6.4. 其他托管账户功能\n6.5. 不受 FDIC 保险保护\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 14 of 145\n\n6.6. 提款限制\n7. 转账服务\n7.1. 为您的账户注资\n7.2. 关联外部账户；外部账户转账\n8. 资金可用性\n8.1. 资金何时可用？ 8.2. 交易处理\n9. 资金不足与透支保护\n10. 费用与抵销\n11. 其他条款与条件\n11.1. 适用于本节的附加定义\n11.2 遵守《银行保密法》\n11.3. 服务暂停\n11.4 调查、政府机关与法律诉讼\n11.5 抵销与担保权益\n11.6. 责任限制\n11.7. 客户责任、陈述与保证\n11.8. 准据法与争议解决\n11.9. 未退还或被遗弃财产\n11.10. 税费\n11.11. 其他规定\n收费表\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 15 of 145\n\n1. 定义\n下列术语和定义适用于本《在线托管与银行服务协议》。下文中使用但未作定义的术语应具有《Uniform Commercial Code（统一商法典）》中赋予它们的含义。凡提及《统一商法典》，均指 New York（纽约州）的《统一商法典》。“ACH”是指自动清算所电子资金转账网络。“关联方”就任何指定主体而言，是指控制该指定主体、受其控制或与其处于共同控制之下的任何其他主体。本协议所使用的“控制”就任何主体而言，是指直接或间接指导或促成指导该主体的管理和政策的权力，无论是通过行使表决权、通过合同还是通过其他方式。“协议”是指本《在线托管与银行服务协议》，包括其不时作出的修订、修改和补充。“获授权人”是指 MBI 客户根据本协议以书面形式授权、在与 MBI 打交道时代为代表该客户作为代理人行事的任何主体。“可用账户余额”是指在遵守本协议所述限制的前提下，您账户中可用于转账至外部账户的资金余额。可用账户余额可能高于或低于您的已入账余额。有关我们如何计算可用账户余额的更多信息，请查阅本协议第 8 节。“工作日”是指除另有说明外，美国金融机构营业的任何一天。“现金等价物”是指 (a) 由美国或其任何机构或部门发行，或由其直接、无条件且全额保证或担保（前提是已质押美国的全部诚信用意作为其支持），自取得之日起到期期限不超过一年的证券；(b) 具备以下条件的任何商业银行的定期存款和存款证明：该商业银行自身拥有，或者是根据美国、其任何州或省份或 District of Columbia（哥伦比亚特区）法律设立的银行控股公司的主要银行子公司且拥有，合计超过 500,000,000 美元的资本和公积金，并获得至少一家全国认可的统计评级机构给予的“A”（或其他类似同等评级）或更高评级，且自取得之日起到期期限不超过一年；(c) 与符合上述 (b) 款规定资格的任何银行订立的、期限不超过 30 天的上述 (a) 款所述类型的基础证券的回购义务，该等回购义务以在基础证券中享有的有效且已完善的担保权益作为担保；(d) 由在美国注册成立的任何主体发行的商业票据，该商业票据获得 Standard & Poor's Rating Service（标普评级服务公司）至少 A-1 或其同等评级，或获得 Moody's Investors Service Inc.（穆迪投资者服务公司）至少 P-1 或其同等评级，且在每种情况下自取得之日起到期期限均不超过一年；以及 (e) 对货币市场基金的投资，该等基金的绝大部分资产均由上述 (a) 款至 (d) 款所述类型的证券组成。“客户”是指在任何时候，在 MBI 的账簿和记录中被登记为活跃托管账户所有人的主体。“客户数据”就任何客户而言，是指 (i) 来自该客户或关于该客户的数据，以及 (ii) 关于该客户使用本服务的数据。“托管人”是指根据本协议担任客户指定托管人身份的 MBI。“托管账户”或“账户”是指托管人账簿和记录上维护的、记录客户根据本协议条款与条件交由托管人托管和占有、并服从客户和/或其获授权人指示的法定货币和数字资产的记录。“托管账户对账单”就任何客户而言，是指该客户托管账户的账目对账单。“托管资金”具有第 6.2 节中赋予该术语的含义。“数字资产”是指经 MBI 批准存入托管账户、并在 MBI 网站上载明或根据本协议另行通知客户为“已批准”的任何虚拟货币、代币或其他数字资产。\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 16 of 145\n\n“本国主体”具有第 2.1 节中赋予该术语的含义。“《电子签名披露与同意协议》”具有第 3 节中赋予该术语的含义。“外部客户账户”就任何客户而言，是指该客户在第三方处维护的、经 MBI 批准作为法定货币或数字资产转账来源或目的地的任何账户。“Fedwire（联邦电子资金转账系统）”具有第 7.1 节中赋予该术语的含义。“法定货币”是指美元以及经 MBI 批准存入托管账户、并在 MBI 网站上载明或另行通知客户的任何其他政府支持的法定货币。“MBI”是指 Mercantile Bank International Corp.（一家 Puerto Rico（波多黎各）公司）及其继承人和获准受让人。“综合账户”具有第 6.3 节中赋予该术语的含义。“法律”是指任何适用的宪法条款、法令、法令法案、法典（包括本法典）、法律、法规、规章、条例、命令、法令、裁定、公告、决议、判决书、裁决、声明、令状、禁令、仲裁裁决，或任何政府机关的解释性或咨询性意见或信函。“《爱国者法案》”具有第 11.2 节中赋予该术语的含义。“主体”是指任何个人、公司、法人实体（包括非营利法人）、独资企业、普通合伙或有限合伙、有限责任公司、合资企业、辛迪加、遗产组织、信托、协会、组织、政府机关或其他实体。“已入账余额”是指仅基于已作为贷记或借记入账的项目计算的账户资金余额。与可用余额不同，已入账余额不反映对账户施加的任何冻结。已入账余额可能高于或低于您的可用余额金额。“服务”具有第 2 节中赋予该术语的含义。“SWIFT 付款”具有第 8.1 节中赋予该术语的含义。“次级托管人”具有第 6.2 节中赋予该词的含义。词语“我们”、“我们的”是指 Mercantile Bank International Corp.、关联方、继承人和受让人。词语“您”和“您的”是指每位申请人、账户所有人以及有权访问该账户的任何其他人。如果存在多位所有人，则这些词语分别指每位账户所有人，并共同指所有账户所有人。\n\n2. 在线托管与银行服务概述\n感谢您选择与 MBI 合作，以满足您的在线托管、信托和银行需求。MBI 是一家国际金融实体，总部位于 San Juan（圣胡安），Puerto Rico（波多黎各，美利坚合众国的一个领地），并受 Office of the Commissioner of Financial Institutions of Puerto Rico（波多黎各金融机构专员公署）监管。MBI 目前不是 FDIC（联邦存款保险公司）的成员，存放在 MBI 的款项不符合享受美国联邦存款保险的资格。\n\n您与 MBI 之间的本协议适用于您使用本文所述的 MBI 在线托管与银行服务。通过在我们这里开立或维护账户，您接受并同意受本协议的条款与条件以及本文所述的服务条款的约束。本协议中使用的“服务”一词是指 MBI 根据本协议提供的任何服务，包括但不限于托管账户和转账服务，或 MBI 通过其网站或其他途径向您提供的任何其他金融产品或服务。\n\n本协议包括适用于 MBI 可能同意向您提供的服务的以下披露事项，其中包括：(1) 账户功能与费用；(2) 隐私政策；(3) 电子签名同意书；(4) 电子资金转账服务；(5) 资金可用性及交易入账政策；以及 (6) 关于您账户的其他披露事项。本协议中提及的费用可在 www.mercantile-bank.com 上查询。\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/24/23 Page 17 of 145\n\nMBI 自行决定可不时选择与第三方金融机构或其他服务提供商合作。您承认并同意，如果我们结合第三方服务提供商提供的服务来提供 MBI 的服务，则附加条款可能适用于您对 MBI 服务的使用。\n\n您确认并同意，如果您选择结合您与我们合作的第三方之间的独立关系来获取 MBI 的服务，则附加条款将适用于您对 MBI 服务的使用。MBI 可自行全权决定向您提供本协议及任何相关协议的外文译本，以帮助您更好地理解我们据以提供服务的实质性条款和条件以及您在本协议项下的义务。MBI 提供的外文译本仅为您的便利而提供。如果本英文协议与本协议的任何外文译本（无论是由 MBI 提供还是以其他方式提供）之间存在差异，应以本英文协议为准。2.1 账户申请与批准\n\n为了在 MBI 开立账户，符合资格的人士须：(i) 通过提供 MBI 根据其自身判断为遵守适用的 BSA/AML 要求（定义见下文第 11.2 节）而可能要求的信息来完成申请，以及 (ii) 如果该账户申请获得 MBI 批准，则按 MBI 可接受的条款与 MBI 签订一份或多份协议，包括本协议。MBI 可出于任何原因拒绝任何申请，且 MBI 可出于任何原因拒绝与任何人签订协议。根据 Puerto Rico（波多黎各）《国际金融中心监管法》（International Financial Center Regulatory Act of Puerto Rico）第 2(j) 节符合“本地人士”（domestic person）定义的人士，在法律上不被允许成为 MBI 的客户。“本地人士”是指作为波多黎各居民的任何自然人、根据波多黎各法律注册成立或设立的人士、主营业务地位于波多黎各的人士，或根据《波多黎各国内税收法典》（Puerto Rico Internal Revenue Code）规定设有办事处且被视为在波多黎各开展业务的外国公司，以及波多黎各政府及其机构、政府分支机构、行政管辖区和公共公司或波多黎各政府的其他实体。2.2. 您在开户时向我们提供的信息\n\n《美国爱国者法》通知。为了协助政府打击资助恐怖主义和洗钱活动，包括 USA PATRIOT Act（《美国爱国者法》）在内的美利坚合众国联邦法律要求所有金融机构获取、核实并记录用于识别在金融机构开立账户的每名个人或企业的身份信息。这对您意味着：当您使用我们的服务时，我们将询问您的姓名、地址、出生日期以及使我们能够识别您身份的其他信息。对于所有申请人，我们将要求查看带有您照片的身份证件，并且我们还可能要求查看其他身份证明文件，例如社会保障卡（如适用）、护照、驾照或其他政府签发的身份证件。来自非美国司法管辖区的客户可能会根据 MBI 的自行决定被要求提供不同或额外的身份识别信息。企业账户。当您作为企业申请账户时，我们将询问您的企业名称、地址、Tax Identification Number（纳税人识别号，TIN）以及有关企业受益所有人的信息。我们还将询问开立账户的自然人以及该法律实体的受益所有人及/或高级管理人员的姓名、地址、出生日期和社会安全号码或足以使我们在自行全权决定下确定其身份的类似文件。我们可能会寻求使用第三方服务或其他方式来验证您向我们提供的信息，以确保我们对您及您的企业的身份有合理的确信。如果我们无法令我们满意地核实您或企业的身份，我们可能会拒绝您的申请，或者如果账户此前已开立，我们可能会关闭该账户。核实您的信息。您理解并同意，我们可能会出于核实您的身份、核实您申请中的其他信息或进行持续账户监控的目的，与我们的关联公司、子公司或其他第三方共享您提交给我们的与您账户相关的任何信息。您理解并同意，我们还可能会就您的申请或您请求接受的我们的任何其他服务寻求获取信用报告。共享此类信息对于评估您的申请并遵守 MBI 的 BSA/AML 要求提供交易相关服务是必要的。虚假信息。您理解并确认，在开户时提交虚假信息，或未能及时向我们更新重大变更，可能会使 MBI 因其 BSA/AML 要求以及其他潜在的法律和监管责任来源而承担责任。您进一步理解，您在开户时或成为客户后的任何时间故意或过失提交虚假信息，可能会导致 MBI 产生任何形式的费用，包括但不\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/21/23 Page 17 of 20 Document 208-5 Filed 10/24/23 Page 26 of 145\n\n限于就主管机关提起的法律或监管行动为 MBI 进行抗辩的费用，或民事及/或刑事金钱处罚。在法律允许的最大范围内，您同意赔偿因您在开户时或成为 MBI 客户后的任何时间故意或过失提交信息而直接导致 MBI 明确产生的前述费用。对于我们有合理理由认为可能因与您在我们这里控制的任何账户相关的政府调查而产生的法律和合规费用，我们也可能会提前向您收费。在我们收到法律或监管行动通知时，对法律和合规费用的预收费用不得超过您账户价值的 50%。MBI 应按月向您提供其实际产生费用的汇总发票。如果您认为记入您账户的金额有误，您同意您唯一的救济途径是根据本协议第 11.8 节包含的争议解决条款就您的争议寻求仲裁。2.3. 账户信息\n\n概述。MBI 应通过 MBI 网站向客户提供有关客户账户的信息，包括当前余额和近期交易摘要。账户对账单。MBI 应仅通过“电子方式”（定义见第 3 节）按月向客户提供或出具汇总其账户余额和交易活动的对账单。客户账户的账户对账单应反映前一日历月内涉及该账户的所有活动，包括已入账和待处理的转账。客户有责任及时审查每份账户对账单，并将任何潜在的错误和差异通知 MBI。对于您在账户对账单出具之日起三十 (30) 天内未通知我们的错误，MBI 概不负责。2.4. 无 FDIC 保险。您在 MBI 的托管账户不受 U.S. Federal Deposit Insurance Corporation（美国联邦存款保险公司）的保险，亦不受美利坚合众国、波多黎各或任何其他司法管辖区内任何政府支持或非政府支持的保险计划或产品的保护。2.5. 本协议的变更\n\n我们可随时变更本协议。我们可能会增加新条款，删除或修改现有条款，或者增加新类型的账户和服务并停止现有类型的账户或服务。我们可能会将现有账户和服务转换为新账户和服务。如果本协议发生对您不利的变更，我们将以书面形式或法律允许的任何方式向您发出合理通知。但是，除非法律另有规定，否则我们可能会在不事先通知的情况下进行变更。对于出于安全原因所作出的变更，或者我们认为对您有利或对您并无不利的变更，我们可以但并非必须通知您。当我们变更本协议时，本协议的当时最新版本将取代所有先前版本并管辖您的账户。如果您继续使用您的账户或保持其开立状态，则您被视为接受并同意该变更并受该变更的约束。如果您不同意变更，您可以按照下文第 2.6 节的规定关闭您的账户。2.6. 账户关闭\n\n您或我们可随时关闭您的账户，无需事先提前通知。在您的账户关闭时存放在 MBI 的任何款项将在符合本协议规定的条款、条件、限制和费用的前提下退还给您。在适用法律及适用于您账户的其他管辖文件允许的范围内，MBI 可自行全权决定并在不向您发出通知的情况下，拒绝、延迟、取消及/或撤销您的订单、交易或指示，及/或对您的任何账户施加付款及其他限制。MBI 可自行决定关闭您的账户或将您的账户转换为其他账户类型。MBI 出于任何原因主动发起的账户关闭均无需提前发出任何通知。如果账户被关闭后我们将其重新激活开立，该账户将适用我们针对该类型账户的标准条款和费用。在账户关闭前适用的任何豁免在账户重新激活开立后均不再适用。\n\nCase 1:23-cr-00118-AT Document 612-5 Filed 04/21/23 Page 18 of 20 Document 208-5 Filed 10/24/23 Page 27 of 145\n\n如果您的账户余额归零，或者您申请了账户但从未存入资金，我们可以在不另行通知的情况下保持账户开立或关闭该账户。如果在三个月内您的账户没有任何活动，MBI 还可按照 MBI 收费表中规定的金额向您收取休眠账户管理费。3. 《电子签名披露与同意》\n\n3.1 引言\n\n本《电子签名披露与同意协议》（简称“《电子签名协议》”）允许我们向您提供与在 MBI 开立账户相关的重要文件和通知的电子版本，以及法律可能要求我们以书面形式向您提供的所有其他信息。您必须同意本《电子签名协议》，方可在 MBI 开立账户并使用其服务。3.2 适用于本节的其他定义\n\n“电子方式”是指客户可合理获取的电子通信形式，包括但不限于通过以下方式传输的记录和通信：(i) 通过电子邮件，(ii) 通过发布在 MBI 发送给您的电子邮件中所指定的网站上，或 (iii) 在法律允许的范围内，通过访问预先为此类目的普遍设计的网站。“记录和通信”包括但不限于所有法律和监管披露、与在 MBI 开立账户相关的通知或披露、管理您使用其服务的条款变更、有关我们政策的所有通知，以及法律或法规可能要求我们以书面形式向您提供的任何其他信息。3.3. 记录和通信可以电子形式提供\n\n您同意我们可以通过电子方式向您提供记录和通信。您的同意并不意味着我们必须以电子方式提供记录和通信，而是意味着我们可以自行全权决定以电子方式交付部分或全部此类文件。3.4. 索取纸质副本\n\n您同意以电子方式接收记录和通信意味着，除非您提出要求或我们另行认为适宜这样做，否则我们不会向您发送以电子方式传输的任何记录和通信的纸质副本。如需索取通过邮寄方式向您寄送的任何特定电子记录和通信的纸质副本，请通过 bankops@mercantile-bank.com 与我们联系。\n\n请在您的电子邮件中注明您要求索取以电子方式传输的记录和通讯的纸质副本，并说明您所索取的特定记录和通讯的标题和日期。我们可能会就向您邮寄记录和通讯的纸质副本收取费用。3.5. 系统要求\n为了访问、查看和留存电子记录和通讯，您的访问设备必须满足以下最低软硬件要求：\ni. 我们支持的网络浏览器，包括 Internet Explorer 10.x 或更高版本、Safari 3.2.x 或更高版本、Firefox 32.x 或更高版本以及 Chrome 38.x 或更高版本、Mac OSX Safari 5 及更高版本、iOS 版 Safari 6 及更高版本、iOS 版 Chrome 以及 Android 版 Chrome；ii. 用于留存记录和通讯的本地电子存储容量，或用于打印它们的打印机；iii. 有效的电子邮件账户及访问该电子邮件账户的软件；iv. 适用于连接互联网并受 MBI 支持的最新设备（例如计算机、平板电脑、移动电话等）；v. 能够通过文本格式的电子邮件或使用受支持的浏览器访问我们的网站，以电子形式接收、访问和显示来自我们的记录和通讯的操作系统；vi. 如果您希望打印以电子形式发送给您的记录和通讯的纸质副本，则需要一台可与您的设备相连的打印机。案件案号：Case 1:23-cr-00118-AT，文件编号：Document 612-8，提交日期：04/02/24，页码：第 128 页，共 201 页\n通过在满足最低系统要求的任何访问设备上以电子形式查看此信息，即表示您已合理证明自身具备使用电子方式访问记录和通讯的能力。如果您在访问设备上通过电子方式访问或查看文件时遇到困难，请通过 bankops@mercantile-bank.com 与我们联系。3.6 撤回您的同意\n您可以随时撤回接收通过电子方式发送记录和通讯的同意。如要在完成申请前撤回同意，只需在确认接受本协议之前退出本次会话即可。如要在提交申请或开立账户后撤回同意，请通过 onboarding@mercantile-bank.com 与我们联系。请注意，撤回您对通过电子方式接收记录和通讯的同意将导致您访问 MBI 服务的权限被撤销，并终止我们与您的业务关系。该等终止仅在处理您的撤回申请的合理期限过后方始生效。3.7. 更新您的信息\n您向我们提供与本《电子签名协议》（E-Sign Agreement）相关的真实、准确且完整的电子邮件地址、联系方式及其他信息至关重要，以便我们就您的账户向您发送记录和通讯。您同意维持有效的电子邮件地址，并及时通知我们关于您的电子邮件地址、联系方式或其他信息的任何变更。您可以通过我们的网站更新您的电子邮件地址、联系方式及其他信息。3.8. 联邦法律\n您承认并同意，向您提供本《电子签名协议》是与受联邦《全球与全国商务电子签名法》（Electronic Signatures in Global and National Commerce Act）管辖的交易相关联的，且您与 MBI 双方均意图使该法在最大可能范围内适用，以确认我们通过电子方式与您开展影响州际商业的业务之效力。3.9. 《电子签名告知书》条款的终止\nMBI 保留自行决定停止提供电子记录和通讯，或更改我们以电子形式提供记录和通讯的条款和条件的权利。我们将按法律要求就任何此类终止或变更向您发出通知。3.10. 同意接收电子记录\n您特此明确表示同意接收本《电子签名协议》中所述的电子记录和通讯。您进一步同意您的计算机、移动电话、平板电脑或其他访问设备满足上述系统要求，且您能够接收、留存和查看电子记录和通讯，并且您拥有一个有效且可用的电子邮件地址，我们可向该地址向您发送电子记录和通讯。4. 隐私政策\n4.1. 概述\n在向客户提供服务的过程中，您理解并同意 MBI 可以收集并使用客户数据用于：(i) 提供、运营和改进服务；(ii) 遵守适用法律的任何要求；(iii) 回应或配合监管机构或执法部门有关您账户的请求；(iv) 个性化服务；以及 (iv) 开展其他合法的业务活动，例如发送有关 MBI 和/或其关联公司的产品、服务和要约的市场营销通讯。案件案号：Case 1:23-cr-00118-AT，文件编号：Document 612-8，提交日期：04/02/24，页码：第 129 页，共 201 页\n4.2. 第三方披露\n消费者账户。我们针对消费者的隐私政策载于 MBI 的《隐私披露声明》（Privacy Disclosure）中，该声明可在 MBI 的网站上查阅。我们向在我们这里开立个人用途账户的消费者提供此《隐私披露声明》。《隐私披露声明》说明了我们如何处理在与您交往过程中收集的个人消费者财务信息，以及我们在何种情况下可能向关联公司披露该信息。除第 4.1 条所述外，MBI 预计不会将申请过程中向您收集的信息与第三方共享，但为核实您的身份信息或信用记录所必需的除外。有关在开立账户并成为客户后、我们在与您交往过程中收集的信息可能在何种情况下予以共享的更多详细信息，请参阅《隐私披露声明》。商业账户。我们可能会与关联公司及选定的第三方共享有关我们与您往来经验的信息。我们还可能在 MBI 关联公司之间共享您在申请中向我们提供的信息，或我们从外部来源接收的信息。4.3. 匿名化客户数据\n如果任何客户的客户数据 (i) 与涉及其他客户的信息或源自其他来源的信息相合并或汇总，或 (ii) 以合理防止识别该客户或归属于该客户的方式进行了匿名化处理，则 MBI 将拥有该等客户数据，并有权在无需征得其同意的情况下出于任何目的使用该等数据。4.4. 数据保护\nMBI 应采取商业上合理的预防措施以保护所有客户数据的保密性，包括实施并维护一项书面信息安全计划，该计划提供适当的安全措施，以保障 MBI 在向客户提供服务过程中接收到的客户数据。5. 一般条款\n5.1. 账户开立与所有权\n我们将依赖您提供给我们的信息来开立账户并确定其法定所有权和受益所有权。您同意并承认，我们可以依据我们账簿和记录中的信息来确定您账户的所有人。如果账户所有人是公司、非法人团体、有限责任公司、有限责任合伙、受托人、合伙企业、独资企业或其他以非个人身份申请的法律实体，则签署印鉴卡或完成其他申请要求的每个人均声明并同意他们：\n• 在其声明的身份下完全获权签署所有文件或以其他方式完成我们的要求；\n• 已提供证明该项授权所必需的所有文件或其他信息；并且\n• 将根据我们不时的要求提供其他文件并完成其他要求。我们可能会拒绝承认任何影响账户但未采用我们向您提供的表格、或在我们看来不完整或签署不当的决议。账户信息的变更。当您要求我们对该信息或您的账户进行变更且我们同意该变更时，该变更在我们有合理时间根据新信息采取行动之后方始生效。5.2. 对信息的信赖\n当我们在处理进出账户的转账时，我们可以依据处理交易时我们关于账户所有权及本协议条款的记录。我们无需过问我们收到的任何资金的来源或归属，亦无需过问从账户中进行的任何取款的去向。当我们根据本协议的条款，应任何签署人或任何签署人的代理人的要求允许从账户中取款时，该取款即构成对 MBI 免除与该取款有关的所有索赔的完全免除和解脱。案件案号：Case 1:23-cr-00118-AT，文件编号：Document 612-8，提交日期：04/02/24，页码：第 130 页，共 201 页\n5.3. 您的账户管理\n您同意对您的账户密码和登录凭证的安全负全部责任。如果您将此信息与授权代理人共享，或者由于 MBI 控制之外的行为导致您的账户密码和登录凭证的完整性受到损害，您明确同意承担由您的授权代理人或其他人的任何未经授权行为所导致的风险。如果您未对您的账户维持充分的控制并进行妥善管理（包括未能在合理且及时的基础上更改或更新密码和登录凭证），您明确承担由此引起或发生的所有损失、成本或费用的风险。\n对于由您或任何授权代理人签署、出具、背书、执行、交付、出示、签发或以其他方式转让的任何票据/项目，我们可以最终信赖其有效性和约束力，并且明确禁止您否认任何此类票据/项目的有效性以及任何此类行为的约束力和授权。我们没有义务调查执行和/或交付任何票据/项目或文件的授权，亦无义务调查其任何收益的用途。5.4. 您的账户转让。除非经我们书面确认，否则您对任何账户进行的任何质押、转让或其他转移（无论是通过收购与承担、转让、出售、合并、收购、赠与还是其他方式）均对我们不具有约束力。除非我们另行书面同意，否则即使在我们收到转让通知后，该账户仍受制于我们的抵销权。\n我们保留不对任何企图转让账户的行为予以确认或接受的权利。除非法律要求，否则我们无需接受或承认对您的账户或其中的任何权益的企图转让，包括担保权益通知或存款账户控制协议。如果您已将账户中的担保权益授予我们以担保您对我们所欠的债务，根据《统一商法典》（Uniform Commercial Code），我们应被视为对您的账户拥有控制权。6. 托管账户服务\n6.1 我们与您的关系\n托管人的指定。客户特此指定 MBI 作为客户转移至托管人占有并保存在客户托管账户中的所有法定货币和数字资产数额的托管人（以下简称“托管人”），且 MBI 特此同意担任客户托管账户中持有的所有资产的托管人。在担任托管人期间，MBI 应按照 (i) 客户的指示；(ii) 客户授权人员的指示；以及 (iii) 本协议的条款持有、占有和管理客户的账户。\n\nMBI应在其账簿和记录中指明属于其客户的法定货币和数字资产，无论是直接持有还是通过次保管人（MBI可自行全权决定聘用其来持有客户资产）间接持有。通过其副保管人由MBI持有的法定货币和数字资产金额可能受制于MBI与该等次保管人之间协议的条款和条件。MBI可随时停止使用任何次保管人，及/或可将次保管人更换为其他次保管人。注意标准。在履行本协议项下的职责（作为保管人的职责除外）时，MBI应尽到一个合理谨慎之人应尽的注意程度。在履行其作为保管人的职责时，保管人应尽到在类似情况下、对受委持有并占有的该等资产负有妥善保管职责的合理谨慎之人所应尽的注意程度。6.2. 关于保管资金管理的指示\n为进一步履行其作为保管人的职责，并在符合本协议限制与资格条件的前提下，客户指示保管人：\n(i) 妥善保管转入保管账户的法定货币及数字资产金额（“保管资金”）\n(ii) 监控并维持保管资金；(iii) 按照本协议第 6.3 条管理保管资金；(iv) 就保管资金的存入、支付及投资保持及时、准确的记录；以及，\n(v) 按照本协议预期的频率和方式，编制关于保管资金的该等定期报表并提供查阅与保管资金相关信息的途径。Case 1:23-cr-00118-AT Document 620-5 Filed 04/21/24 Page 131 of 215\n\n6.3. 托管资金的管理\n除非适用法律另有要求，转入保管账户的法定货币和数字资产应：(i) 保留在由MBI自行全权决定选定作为次保管人（各自称为“次保管人”）的一家或多家商业银行或其他金融机构开设的法律上相互隔离、操作上合并管理的账户（“综合账户”）中。综合账户应以MBI作为代表客户利益的保管人的名义开设。转入保管账户的法定货币可以现金形式持有，或投资于现金等价物。MBI有能力以符合 12 C.F.R. § 330.5(a)(2) 的方式，在其账簿和记录中指明为客户利益而持有的现金和现金等价物，无论是直接持有还是通过次保管人间接持有。管理费。在我们次保管人的综合账户中持有的现金和现金等价物在MBI的次保管账户中可能会（或可能不会）产生利息收益。除本协议另有规定外，保管人代表客户持有的任何法定货币所产生的所有利息，均应作为向该客户提供保管服务的对价支付给保管人。6.4. 保管账户的其他功能\n初始余额 开立账户所需的最低余额为 $500.00 USD，或等值的其他法定货币或数字资产。\n利率 0.00%\n年化收益率 0.00%\n支付给MBI的费用 MBI收取管理费，如第 6.3 条所述。其他费用详见MBI的费用明细表。\n交易限制 您的账户交易限制载于第 6.2 条。\n额外费用披露 如上所述，您无需为开立和维持此账户向MBI支付任何费用，但我们可能会扣除部分利息收益作为我们保管服务的对价。6.5. 无FDIC保险\n存放于MBI的法定货币不受 Federal Deposit Insurance Corporation（联邦存款保险公司，FDIC）的保险，亦不受美国或 Puerto Rico（波多黎各）任何政府发起或非政府发起的保险计划或产品的保障。7. 转账服务\n您可以按照本第 7 条所述，向您的保管账户转入或从中转出特定资金，但受制于第 7 条中的限制。MBI可能会不时且无需事先通知，增加或取消其转账服务，或以其他方式修改其任何服务的条款或功能。除保管账户服务外，MBI目前还提供以下转账服务：\na. 电汇服务\n对于转账交易，只有在您希望转出资金的账户中有足够的资金，并且在同名账户的情况下，这些账户已开通转账关联功能时，您的申请才会得到处理。可能会根据账户类型及/或您用于转账的在线转账服务类型设置金额限制。出于安全原因设置这些限制，并可能因此而不予披露。根据交易时间以及您用于处理转账的转账服务类型，转账可能会有所延迟。\nCase 1:23-cr-00118-AT Document 620-5 Filed 04/21/24 Page 132 of 215\n某些类型的转账受制于下文所述的附加条款和条件。7.1. 账户注资\n您可以通过关联外部账户并发起转账来向您在MBI的账户注资。MBI接受 Society for Worldwide Interbank Financial Telecommunication Payments（环球银行金融电信协会支付，“SWIFT支付”）和 Federal Reserve Wire Network（联邦储备电汇系统，“Fedwire”）转账以存入法定货币。在转入该等保管账户的法定货币转账完成交割（由MBI认定）之前，法定货币的转账将不会计入保管账户。7.2. 关联外部账户；外部账户转账\n客户可将其外部客户账户连接或关联至其账户，以便向该等保管账户进行转账及从中提款；但是，除非MBI自行全权决定批准将该外部客户账户用于进出保管账户的转账，否则任何外部客户账户均不得连接或关联至客户的MBI账户。MBI可随时撤销对任何外部客户账户的批准。就进出保管账户的每笔转账而言，客户必须指定一个经批准的外部客户账户作为转入保管账户的来源或转出保管账户的目的地。\n\n使用此项转账服务即表示，您授权MBI为您的便利代表您发起您所授权的任何金额的 ACH（自动清算所）借记和贷记。出于风险管理的目的，MBI可以对金额设定限制，按日、周、月或其他周期对这些金额进行限制。MBI可随时因任何原因终止此项服务。\n\n如需撤销此授权，请从您的MBI账户中删除关联账户，并书面通知我们该撤销决定。您同意，在MBI有机会收到并就该通知采取行动之前，撤销授权不生效。在所有情况下，我们将在收到并向您书面确认上述指示后，将撤销授权视为生效。\n\n转账至外部账户的限制\n要求提前通知提款的权利。对于存放在保管账户中的所有金额，MBI保留要求您就提款意向提前至少七 (7) 天发出书面通知的权利。尽管我们通常在没有事先通知的情况下处理我们保管账户的提款，但这样做并不意味着我们放弃要求提前七 (7) 天或更长时间发出书面通知的权利。\n\n限制特定类型转账的权利。MBI保留对您每月可从保管账户进行的特定类型转账次数设定限制的权利。尽管我们通常不对您每月可进行的特定类型转账次数设限，但在任何一个30天期间内，我们可能会拒绝处理超过六 (6) 次从您的保管账户向外部账户的电子转账请求。如果您不止偶然地超出转账限额，我们可能会在事先通知或不事先通知您的情况下关闭您的账户。\n\n无资金支持的转账。MBI不提供透支服务，因此无法处理无资金支持的转账。所有向外部账户发起的超出您当前可用余额的转账请求都将被拒绝，MBI对此不承担任何责任。\n\n责任限制。如果我们担心您账户中的一笔或多笔交易可能是未经授权或欺诈性的，如果存在关于账户的争议导致我们无法确定已给出的指示，如果账户被扣押或查封，如果账户已作为债务质押品抵押给MBI，如果在MBI持有的资金的可用性无法核实，如果未出具任何所需的文件，或者您未按时偿还对我们的债务，我们可以在不对您产生责任的情况下拒绝允许任何转账。8. 资金可用性\n虽然MBI不提供交易账户，但在适用于我们服务的情况下，遵循美国联邦关于资金可用性的指导方针通常是我们的政策。如上所述，目前MBI针对其保管账户接受的唯一资金转账方式是通过 SWIFT 或 Fedwire 进行电汇。\nCase 1:23-cr-00118-AT Document 620-5 Filed 04/21/24 Page 133 of 215\n\n8.1. 资金何时可用？\n为了确定您的资金可用性，除星期六、星期日和联邦假日外，每天均为“工作日”。如果您在我们营业的工作日美国东部时间（EST）下午3:45之前存入，我们将把当天视为您的存入日。但是，如果您在美国东部时间（EST）下午3:45之后存入或在我们不营业的日子存入，我们将把该存款视为在我们下一个营业的工作日存入。\n\n电汇\n通过以下转账存入已设立的保管账户的资金，在您转账日后的第一个工作日可用：\n• 电汇\n\n8.2. 处理交易\n向您的账户过账交易会影响您的账户余额。过账贷记会增加您的余额。过账借记或冻结会减少您的余额。转入您的保管账户将计入您账户的贷方。从您的保管账户转出将计入您账户的借方。您的账户也可能因支付费用而被借记，包括因其服务而欠付MBI的费用。\n\n在一个工作日内为您的账户处理超过一笔交易通常不是MBI的政策。在MBI偏离此政策的范围内，您同意我们可以自行决定交易的过账顺序，以及向您的账户过账借记和贷记的顺序。9. 资金不足与透支保护\n我们在任何情况下均不批准您账户透支，也不代表您展期信贷以弥补透支。所有转账请求必须由您的可用余额全额支持。10. 费用与抵销\n您的账户受本协议中所述且详见费用明细表的费用的约束，该明细表可在以下网址获取：\nhtt 适用于您账户的费用明细表是本协议具有约束力的一部分。通过签署本协议并成为客户，您同意支付MBI费用明细表中列出的任何费用，该明细表由MBI自行全权决定不时更新，并发布至其网站或通过电子方式传达给您。客户同意及时支付账户费用，并在此授权并指示保管人指示从保管账户中扣除等于当时欠付MBI的未结金额价值的款项。如果您账户中的资金不足以支付您欠我们的款项，我们可能会扣除直至全部剩余金额并关闭您的账户，而无需对您承担责任。\n\n如果您或您的任何关联方欠 MBI（或欠 MBI 的任何关联方，包括向 MBI 提供服务的关联方）款项，我们保留从您在我们处控制的任何账户中扣除您或您的关联方所欠全部金额的权利。如果您认为从您的任何账户中扣留的金额有误，您同意您的唯一救济是根据本协议第 11.8 条所载的争议解决条款就您的争议寻求仲裁。11. 其他条款与条件\n\n11.1. 适用于本节的附加定义\n\n“仲裁”具有本协议第 11.8 条赋予该词的含义。“仲裁员”具有本协议第 11.8 条赋予该词的含义。“BSA/AML 要求”具有本协议第 11.2 条赋予该词的含义。Case 1:23-cr-00118-AT Document 612-6 Filed 04/01/25 Page 135 of 215\n\n“后果性损害赔偿”是指 (i) 间接的、附带的、惩罚性的、惩戒性的损害赔偿，(ii) 任何收入损失和利润损失，包括因使用服务而引起的任何损失，以及 (iii) 任何类似类型的损害赔偿或损失。“争议”是指双方之间关于、涉及或因本协议引起的任何分歧（包括关于 (i) 一方的任何作为或不作为，或 (ii) 本协议任何条款的解释或可执行性的任何分歧）。“FinCEN（金融犯罪执法网络）”是指金融犯罪执法网络。“不可抗力事件”是指超出 MBI 合理控制范围的任何事件、状况或情形，包括由以下原因直接或间接引起的情形：天灾；战争；飓风、地震；火灾；水灾；任何公用事业的任何中断或故障；内乱；流行病；任何技术的任何中断或故障；任何服务或服务提供商的任何故障或中断；或适用法律的任何变更。“政府机关”是指任何联邦、州、地方或外国政府机关；其州、省、联邦、领地或地区；县或教区；城市、城镇、乡镇、村庄或其他自治市；前述任何主体的区、选区或其他分支机构；前述任何主体的任何行政、立法或其他管理机构；前述任何主体的任何机构、主管机关、董事会、部门、系统、服务处、办公室、委员会、专员会、理事会或其他行政机构；任何法院或其他司法机构；以及前述任何主体的任何官员、公职人员或其他代表。“损失”是指任何及所有损害赔偿、罚款、费用、违约金、差额、负债、索赔、损失、损害请求、判决、和解、义务、成本和费用（无论是实际的、特别的、后果性的还是惩罚性的），包括利息、诉讼费和法庭规费、律师、会计师和其他专家的费用，以及诉讼或其他程序或任何索赔、违约或评定的其他费用。“OCIF（波多黎各金融机构专员办公室）”是指波多黎各金融机构专员办公室。“OFAC（美国财政部海外资产控制办公室）”是指美国财政部海外资产控制办公室。“MBI 知识产权”是指所有 MBI 软件资产、MBI 专有权益和 MBI 通用专门知识。“MBI 专有权益”是指所有专利、版权、商业秘密和商标（无论是已颁发还是在审状态）以及 MBI 的其他知识产权。“MBI 软件”是指 MBI 拥有或被许可给 MBI 的所有软件。“MBI 软件资产”是指 (a) MBI 软件，(b) 用于 MBI 软件的设计、开发、运行、维护或安装中，或主要描述任何 MBI 软件或其使用的所有文件，以及 (c) MBI 软件的所有副本。11.2. BSA/AML/OFAC 要求\n\nMBI 须遵守经 2001 年《美国爱国者法案》修订的《美国银行保密法》及其由 FinCEN 实施的施行细则，以及由 OCIF 实施的反洗钱法律法规（统称为 MBI 的“BSA/AML 要求”）。此外，MBI 必须遵守 OFAC 发布的法规（“OFAC 要求”）。为了确保 MBI 在完全遵守其 BSA/AML 要求和 OFAC 要求的前提下提供安全且信誉良好的服务，MBI 的政策是在申请过程中收集潜在客户信息的同时，监控可疑交易并遵守向适当监管机构强制报告可疑交易的规定。在申请过程中以及此后的所有时间内，客户均须向 MBI 提供 MBI 自行决定认为履行其在 BSA/AML 要求和 OFAC 要求下的义务所必需的所有信息。MBI 保留出于任何原因（或无原因）随时拒绝向任何客户开户、禁止向该客户发起或接收交易，或终止与任何客户的任何关系的权利。若 MBI 认定为了履行其在 BSA/AML 要求和 OFAC 要求下的职责所必需，MBI 有权暂停客户的账户和服务。客户同意，如果 MBI 合理认定履行义务可能导致其违反在 BSA/AML 要求和 OFAC 要求下的义务，则免除 MBI 履行客户协议和本协议项下与客户或托管账户相关的义务。Case 1:23-cr-00118-AT Document 612-6 Filed 04/01/25 Page 136 of 215\n\n客户确认，其可能会被要求向适当的主管当局没收其账户中的任何及所有客户资产。作为 BSA/AML 要求和 OFAC 要求的一部分，MBI 须获取、核实并记录识别开立账户的每个客户（以及相关用户）的信息。每个新客户（以及相关授权人员）均须向 MBI 提供其姓名、实际地址、邮寄地址、出生日期及其他信息。此外，根据适用法律，MBI 可要求每个客户（以及相关授权人员）在获准开立客户账户并访问服务之前或在此后的任何时间向 MBI 提供额外信息或接受背景调查。MBI 在此明确保留保存并与监管机构及执法部门共享此类信息和文件的权利，即使账户关系已终止或开户申请尚未完成。11.3. 服务的暂停\n\n发生任何不可抗力事件或任何其他会使 MBI 向客户提供任何服务在商业上变得不合理的事件时，MBI 可自行决定并在不对任何客户承担任何责任的情况下，经通知或不经通知，暂停或限制向客户提供的任何或所有服务。\n\n若任何客户违反本协议的任何条款，MBI 可自行决定并在不对该客户承担任何责任的情况下，经通知或不经通知，暂停或限制向该客户提供的任何或所有服务。11.4. 调查、政府机关和法律程序\n\nMBI 可就与本协议或使用任何服务相关的任何事项启动并开展调查。\n\nMBI 可将 MBI 收到的关于任何客户、其托管账户及其使用服务的任何信息和文件向任何政府机关披露：(i) 在适用法律要求的范围内，以及 (ii) 与该政府机关的任何调查、请求、问询或程序相关。\n\nMBI 将严格遵守任何政府机关（包括财政部和国内税收局）发布的任何扣押命令或扣押令状。因此，MBI 可能会（除其他事项外）有义务 (i) 冻结对客户资产的访问，或 (ii) 将客户资产移交给政府机关或其他人士。无论该等扣押、第三人债权扣押、税款征收或其他州或联邦程序的条款如何，我们对您账户中的所有资金均享有第一顺位优先受偿权。在适用法律未予禁止的范围内，MBI 将就影响该客户任何客户资产的任何扣押命令、扣押令状或其他法律程序向客户提供及时的书面通知。\n\nMBI 没有义务对该等命令或令状的条款提出异议、质疑或质询，也没有义务提出客户可能对就该客户的任何客户资产寻求命令或令状的人士所拥有的任何抗辩。我们可采取我们认为在该情况下适当的行动以遵守该等法律程序，而无需对您承担责任，即使该法律程序意在仅影响联名账户其中一名所有人的权益，且即使我们可能被要求支付的任何资金会导致剩余资金不足以支付您已授权的交易。如果我们因任何此类法律程序产生任何费用（包括但不限于合理的律师费），我们可以在不事先通知您的情况下从您的账户或您在我们处可能拥有的任何其他账户中扣除任何费用和支出，或者我们也可以直接就该等费用和支出向您开具账单。对您账户的任何第三人债权扣押或其他征收均受制于我们的抵销权和担保权益。MBI 仅在收到表明可以解除受影响客户资产的命令送达时，才有义务解除受影响的客户资产。向 MBI 出示任何其他证据均不足以构成 MBI 解除任何受影响客户资产的依据。\n\n如果任何客户的任何客户资产成为任何实际或潜在法律程序的标的，MBI 可拒绝执行该客户就该等客户资产发出的任何指示，直至该程序得到解决。在任何情况下，MBI 均不对客户因根据任何命令、扣押或征收通知所支付的金额承担责任。11.5 抵销权和担保权益\n\n您特此向作为其关联方代理人和代表的 MBI 授予对您的所有账户以及可能存入并保存在该等账户中的所有托管资金、投资财产、金融资产、证券、票据、一般无形资产或现金及其他资金（无论是现在存在的还是此后产生或将来存入其中的）连同其所有收益的担保权益，以作为您或您的关联方现在或将来欠 MBI 或其关联方的义务的担保。Case 1:23-cr-00118-AT Document 612-6 Filed 04/01/25 Page 137 of 215\n\n这些义务包括有担保和无担保的债务。对于您或您的关联方欠我们或我们关联方的直接、间接和受让义务，我们可从您在我们处开立的任何或所有账户中提取或抵销资金。这些权利是对我们拥有的因您或您的关联方欠我们或我们关联方的义务而在您的账户中提取或扣划资金的其他权利的补充。您及您的关联方与 MBI 特此同意，计入账户的每项财产（无论是投资财产、金融资产、证券、票据、一般无形资产、托管资金还是现金）均应被视为随时在纽约州生效的《Uniform Commercial Code（统一商法典）》（“UCC”）第 8-102(a)(9) 条含义内的“金融资产”。MBI 在此声明、保证并同意，其现在是且在任何时候都将作为 UCC 第 8-102(a)(14) 条含义内的“证券中介机构”行事，并且每个账户均属于 UCC 第 8-501 条含义内的“证券账户”。本文所使用的术语“金融资产”、“投资财产”、“收益”和“证券权利”，均应具有 UCC 第 8 篇和第 9 篇中所规定的含义。\n\n您为您自身并代表您的Affiliates（关联方）同意，MBI（作为其自身及其关联方的担保方）可向作为证券中介机构的MBI发出关于账户及存入其中的金融资产的权利指令，并且在您或您的关联方未能按时履行您或您的关联方对MBI或其关联方所欠的任何债务时，MBI有权依该等权利指令行事，而无需征得您或您的关联方的同意。MBI作为其关联方的代理人和代表以及作为担保方，有权行使UCC（《统一商法典》）项下的所有可用救济。如果法律限制我们提取或抵销您账户或您关联方账户中资金的能力，或者某些政府款项受免于扣押、征收或法律程序的保护，则在您可通过合同约定的范围内，您放弃该等条件和限制，并授权我们将您在我们或我们关联方处开立的任何或全部账户中的资金，用于冲抵您或您的关联方欠我们或我们关联方的债务。行使这些权利可能导致提前支取罚款，或者如果在我们的行为导致您账户中资金不足时，可能导致我们拒付票据。对于联名账户、具有共同所有人/授权用户的企业账户，我们可以对该账户和所有所有人行使这些权利。无论谁向联名账户存入资金，这些权利均存在。同样，每个联名所有人均同意，我们可以使用其个人账户中的资金来履行其联名账户中的债务。11.6. 责任限制\n(a) MBI拒绝作出关于任何服务或技术、或使用任何服务或技术所获得的结果的任何及所有明示或暗示的保证和陈述，包括适销性或特定用途适用性的任何保证。客户明确承认并同意：(I) 所有服务和技术均“按现状”提供，且 (II) MBI不保证通过使用任何服务或技术获得的任何结果的充分性、准确性、及时性或完整性。(b) MBI不作任何陈述或保证：(A) 任何服务或技术的可用性或使用是不间断的、无差错的或安全的；(B) 关于任何第三方（包括SJMX）提供的任何技术或服务；或 (C) 关于任何数据或技术的质量、准确性或完整性。(c) 客户在与使用任何服务相关联时所存储或传输的信息，可能会由于各种原因而不可挽回地丢失或损坏，或者暂时不可用，包括病毒或其他破坏性代码、软件故障、第三方提供商的协议变更、互联网中断、不可抗力事件或其他灾难、计划内或计划外维护，或在MBI控制范围内或控制范围外的其他原因。客户全权负责备份并维护客户通过服务存储或传输的任何信息的副本。(d) 在任何情况下，MBI均不对客户因本协议或对服务的任何使用而产生或遭受的任何间接损害承担责任。(e) MBI对因以下原因引起的任何损失不承担任何责任：(i) 任何不可抗力事件，(ii) 与任何技术相关的或由任何技术引起的任何错误或故障，(iii) 任何第三方提供的任何服务，或 (iv) 任何第三方的任何作为或不作为。关于客户因任何第三方的作为或不作为而遭受的任何损失，MBI在与客户协商后，应采取其认为适当的行动向该第三方追偿该等损失；但是，前提是：(x) MBI没有义务承担追偿该等损失的任何费用，除非客户已同意按MBI可接受的条件向MBI偿还该等费用，并且 (y) MBI对客户的唯一责任和义务应限于从该第三方为客户收到的款项（不包括MBI产生的成本和费用）。(f) 除因其欺诈、重大过失或故意不当行为引起的责任外，MBI对任何作为或不作为概不承担责任。(g) 除各方外，任何人员均不承担本协议项下的任何责任或义务，且任何一方均不得就本协议或服务针对除另一方外的任何人员提起或主张任何索赔。(h). 尽管本协议中有任何相反规定，MBI就客户针对MBI提出的关于本协议、服务条款及服务使用的任何及所有索赔对客户承担的责任，应限于在针对另一方提出任何索赔的第一个日期之前的六（6）个月内，客户向MBI支付的费用总额（不包括在MBI子托管账户中与我们的子托管机构共同持有的综合账户中的现金和现金等价物所产生或赚取的利息）。这些限制适用于所有诉由的总和，包括但不限于违约、违反保证、过失、严格责任和其他侵权行为。您和您的关联方在法律允许的最大范围内放弃直接或间接产生的所有推测性损害、间接损害和惩罚性损害赔偿。11.7 客户责任、陈述和保证\n(a) 客户将在所有实质方面遵守 (i) 本协议的条款，(ii) MBI向客户发出的关于其账户和服务的指示，以及 (iii) 适用于客户关于其账户及其对服务的使用适用的法律。(b) 客户应及时向MBI提供MBI可能要求的关于客户及其使用服务的信息和文件，只要MBI认为对确定客户是否遵守本协议以及适用于客户关于其账户及其使用服务的所有法律是必要或适当的，所有这些信息和文件均应按照MBI合理要求的方式或格式提供。(c) 客户应及时向MBI提供有关客户违反本协议的任何情况，或合理预期可能导致违反本协议的任何事件、情形或发展的书面通知。(e) 客户不得以任何以下方式使用或允许使用任何服务：(i) 违反任何适用的法律，(ii) 违反其作为当事方或受其约束的任何合同、知识产权或其他第三方权利，(iii) 对MBI向其任何客户提供任何服务的能力产生不利影响或造成干扰，(iv) 通过未经授权的手段创建账户或访问数据（包括客户或其他客户的信息），或 (v) 违反本协议的任何条款。(f) 客户陈述并保证：(i) 其拥有签署、交付和履行本协议的完全权力和授权，(ii) 如果是实体，客户是根据其设立管辖区的法律合法设立并有效存续的，(iii) 客户已获得所有同意、授权和批准，并已完成所有备案和登记，并发出其为签署、交付和履行本协议所必需获得、完成或发出的所有通知，以及 (iv) 客户对本协议的签署、交付和履行不违反客户作为当事方的任何合同，亦不违反任何适用的法律。11.8. 法律适用和争议解决\n(a) 本协议和服务条款应受纽约州法律管辖并按其解释，不考虑任何法律冲突条款。本协议应视为在波多黎各San Juan（圣胡安）签署。(b) (i) 各方之间的任何争议均应通过在波多黎各圣胡安进行的仲裁（“仲裁”）解决，该仲裁应由JAMS（或其任何类似的继任机构）根据其《全面仲裁规则和程序》并依据该等规则中的快速程序进行管理，或依据JAMS的《简易仲裁规则和程序》进行管理。任何仲裁中使用的语言应为英文。(c) 仲裁应由一名经各方共同同意的仲裁员（“仲裁员”）主持。如果各方未能在仲裁开始后三十（30）天内就仲裁员达成一致，则仲裁员应按照JAMS的适用规则和程序予以确定。\n(d). 仲裁员应适用美利坚合众国联邦法律和纽约州法律。对裁决的判决可在任何具有管辖权的法院作出。(e). 本第11.8条不应妨碍各方从具有适当管辖权的法院寻求有助于仲裁的临时救济。各方进一步理解并同意，仲裁员的决定应在法律允许的最大范围内具有终局性和约束力，并可由任何具有管辖权的法院强制执行。(f). 各方应保持任何仲裁程序和裁决（如有）的保密性质，包括听证会的隐私性，但为了准备或进行实质仲裁听证会所必需的除外，或者与法院申请初步救济、对裁决提起司法异议或其执行相关所必需的除外，或者法律或司法裁决另有要求的除外。(g) 任何争议中的胜诉方均有权由非胜诉方向其偿还该方在该等争议中发生的所有合理费用。各方依据第11.5条和第11.7条可获得的救济，应为各方就因本协议引起的或与本协议相关的任何争议所能获得的唯一且排他的救济。11.9. 未退还或废弃财产\n如果由于任何原因MBI无法将任何客户资产退还至客户指定的外部客户账户，则MBI将根据适用的无人认领财产法律（包括波多黎各法律，如适用）报告并移交该等客户资产。11.10. 税费\n各客户全权负责确定哪些税费（如有）适用于该客户通过服务处理的交易，并且各客户有责任向适当的税务机关报告并缴纳正确的税款。MBI不负责确定税费是否适用于任何客户的交易，亦不负责收取、报告、代扣或移交因任何交易产生的任何税费。因客户未能履行其税务义务而导致MBI产生损失（包括与税务机关潜在传票相关的法律费用）的，客户应在MBI提出要求后立即予以偿还。11.11. 其他\n(a) 完整协议。本协议和服务条款 (i) 构成各方之间关于本协议标的事项的完整协议，并且 (ii) 取代各方先前就本协议标的事项达成的所有协议和安排（无论口头或书面）。(b) 修订。本协议仅可根据双方签署并交付的书面协议进行修改、变更或补充。MBI可在向客户发出关于该等修订、补充或修改的书面通知后，随时修改、补充或变更服务条款而无需征得任何同意。(c) 弃权。\n\n除非该方依据已由其签署并交付的协议作出弃权，否则任何一方均不得被视为放弃其在本协议项下的任何权利，且该等弃权应限于该协议的条款。任何一方对本协议任何条款的放弃，均不得被视为该方在未来对（i）该条款的放弃，或（ii）对任何其他事项的放弃。（d）可分割性。本协议任何条款在任何管辖区域内的无效性和不可执行性，均不影响（i）本协议其他条款在该管辖区域内的解释，且在所有方面解释本协议时应视同该等无效或不可执行的条款已被省略，以及（ii）本协议在任何其他管辖区域内的解释。尽管有前述规定，若本协议的任何条款被认定为不可执行，本协议应在适用法律允许的最大范围内，以与该条款相一致的方式予以解释。Case 1:23-cr-00118-AT Document 612-8 Filed 04/24/24 Page 13 of 14\n\n（e）转让。未经 MBI 事先书面同意，客户不得转让或转移其在本协议项下的任何权利或义务，包括根据法律规定或与任何控制权变更相关的转让或转移。MBI 在向客户发出事先书面通知后，可转让或转移其在本协议项下的任何或全部权利，无论全部还是部分。（f）知识产权。MBI 或其第三方许可人是且应当是 MBI 知识产权的所有人，客户在 MBI 知识产权中不享有任何明示或默示的所有权权利。（g）解释。除本协议或《服务条款》另有规定外，本协议应受以下解释条款的约束：（i）所使用的所有词语的性别（或无性别）包括阳性、阴性和中性；（ii）所使用的所有词语的含义在适用的情况下应同等适用于单数或复数；（iii）词语“包括”和“包含”应指包括但不限于；（iv）词语“基于”应指基于、与……相关或源自；（v）提及的条款、附件和附表均指本协议或《服务条款》（视情况而定）的条款、附件和附表；（vi）提及的法律指可能不时修订的该等法律，提及法律的具体条款包括任何后续法律的任何相应条款；（vii）提及的任何协议指该协议可能不时被修订、修改、补充或替换（包括通过任何同意或弃权）的形式；（viii）本协议中包含的所有标题和副标题仅为方便查阅而插入，不得被视为解释或修改本协议的条款；（ix）除另有说明外，提及的款项均指美利坚合众国的法定货币；以及，（x）MBI 依据本协议或《服务条款》，或与本协议或《服务条款》相关的任何作为或不作为，均应由 MBI 全权自行决定。（h）副本。本协议可签署多份副本（包括通过电子签名），每份副本均应构成一份原件，且所有副本共同构成一份协议。[********]\nCase 1:23-cr-00118-AT Document 612-8 Filed 04/24/24 Page 14 of 14\n\n附件 附件说明 标题/相关引用/页码\n附件 A 政府对返还财产动议（7 Dec 2023）的答复 (ECF 188) - Case 1:23-cr-00118-AT Document 188 第 1 页和第 2 页\n附件 B 就受托人对返还财产动议的异议作出的答复信 – Brad Geyar 不适用\n附件 C 债务人关于解除指定 Luc Despins 命令的救济动议 (DOC 561) - Case 22-50073 (JAM) Doc 561\n附件 D 破产受托人的律师（Paul Hastings（普衡律师事务所）信函）于 8 Dec 2023 代表 Luc Despins 提交 (ECF 189) - Case 1:23-cr-00118-AT\n附件 E Luc Despins / Paul Hastings 费用与支出 Case 22-50073 Doc 2256 第 3 页及后续\n附件 E1 庭审笔录（高亮标注） August 29, 2023 (ECF 151-3) Case 1:23-cr-00118-AT\n附件 F 政府的没收案情清单 (ECF 38) - Case 1:23-cr-00118-AT Document 38\n附件 G Candeys Solicitors（坎迪斯律师事务所）的信函 December 12, 2023\n附件 G1 庭审笔录 June 29, 2023 Case 22-50073 Doc 1985\n附件 H 代表第 11 章破产重整受托人 Luc Despins 的破产法律顾问 (ECF 2425) - Case 22-50073 Doc 2425\n附件 I 庭审笔录 August 29, 2023 第 24-29 页 (ECF 2174) - Case 22-50073 Doc 2174\n附件 J Aramino 审计 December 20, 2021\n附件 K Aramino 审计 August 10, 2022\n\nCase 1:23-cr-00118-AT Document 628-7 Filed 04/25/23 Page 141 of 145\n商业账户申请表\n企业法定名称\nHimalaya International Reserves Ltd（喜马拉雅国际储备有限公司）\n填写此申请表的授权人员\nGeorgette Adonis-Roberts（乔治特·阿多尼斯-罗伯茨）\n作为填写此申请表的人员，我的身份是\n雇员/主管\n请上传授权您代表该实体开立及管理账户的公司决议。\n营业地址\nCommerce House, Cay 1, Tortola, Tortola VG1110, Virgin Islands (British)（英属维尔京群岛）\n填写申请表的授权人员电子邮箱 电话\n07464803316\nGeorgette.Adonis-Roberts@Hamilton-CH.com\n商业注册号 商业税务识别号（美国实体填写 EIN）\n2047670 不适用\n公司注册日期 商业注册国家/地区\n11/9/2020 Virgin Islands (British)（英属维尔京群岛）\n关于您的业务\n请描述您的业务以及您的客户群体。\nHimalaya Dollar (HDO)（喜马拉雅美元）是一种基于以太坊的 ERC-1404 代币，向下兼容 ERC-20。我们的稳定币锚定 United States Dollar (USD)（美元），并由包含美元及现金等价资产的储备金提供支持。\n在 FV Bank（FV银行）开立银行账户的目的是什么？请描述您将如何使用该账户。\n存放出售我们喜马拉雅美元的收益。\n申请人、其所有人或主要负责人在过去 5 年内是否曾受到过任何监管调查、处罚或执法行动？\n否\n您的企业是否涉及以下任何情况（勾选所有适用项）\n您的企业是否有书面的商业计划书？\n否\n预期账户活动\n\nCase 1:23-cr-00118-AT Document 628-7 Filed 04/25/23 Page 142 of 145\n预期初始存款金额 预期平均余额\n$300,000,000.00 $500,000,000.00\n每月预期 ACH 存款笔数 每月预期 ACH 存款金额\n0 $0.00\n每月预期 ACH 付款笔数 每月预期 ACH 付款金额\n0 $0.00\n每月预期国内电汇存款笔数 每月预期国内电汇存款金额\n0 $0.00\n每月预期国内电汇付款笔数 每月预期国内电汇付款金额\n3 $100,000,000.00\n每月预期国际电汇存款笔数 每月预期国际电汇存款金额\n3 $1,000,000.00\n每月预期国际电汇付款笔数 每月预期国际电汇付款金额\n3 $20,000,000.00\n实体类型\n有限责任公司\n网站 请提供您经营所使用的任何“营业别名”（Doing Business As 名号）（如有）。\nhttp\nHimalaya Dollar\n请提供贵机构中对公司控制、管理或指导负有重大责任的个人的姓名及有效身份证件（护照）。这可能包括执行主管或高级管理人员，例如 Chief Executive Officer（首席执行官）、Chief Financial Officer（首席财务官）、Chief Operating Officer（首席运营官）、总裁，或定期履行类似职能的任何其他个人。\n姓名\nKin Ming Je（余建明）\n职务 控制人 身份证明文件\n总裁 WJ passport.pdf\n除上述人员外，贵机构中还有多少其他对业务行使控制权的高管人员，如首席执行官、首席财务官和/或首席运营官？如有，请在下方列出其姓名。\n其他高管人数\n\n姓名 职务\nEhsan Masud 总裁\n\nCase 1:23-cr-00118-AT Document 628-7 Filed 04/25/23 Page 143 of 145\n谁是持有该实体 25% 或以上控制权的股东或成员？\n实体\n持有 25% 或以上所有权的实体股东有几个？\n\n实体股东 #1 名称 请列出所有持有该实体 25% 或以上所有权的股东\nMajor Leaad International Limited（领领国际有限公司）\n实体 #1 的所有权比例\n100.00%\n贵公司有几名董事？\n\n董事 #1\nJesse Brown（杰西·布朗）\n请上传董事 #1 的政府签发有效带照片身份证件\nJesse-Passport.pdf\n董事 #2\nHee-Seup Shin（辛熙燮）\n请上传董事 #2 的政府签发有效带照片身份证件\nHee-Seup Shin Passport (1).pdf\n请上传您的公司注册证书或同等文件\nCert of Incorporation - HIR.pdf\n请上传您的组织章程大纲与细则或运营协议\nHIR M&A 908995 - 09 Nov 2020(1).pdf\n请上传股东、成员或合伙人名册\nHIR Members Register REG 908997 - 18 Nov 2020.pdf\n请上传企业的地址证明（水电费账单、租赁合同、银行对账单或类似文件）\n请上传资金来源证明，如银行对账单、交易账户、发票或合同\n贵公司是否从事加密货币业务？\n是\n贵公司是否属于货币服务企业（Money Services Business）或资金传送机构（Money Transmitter）？\n否\n在您注册的管辖区内，运营您的业务模式是否需要获得许可？\n否\n\nCase 1:23-cr-00118-AT Document 628-7 Filed 04/25/23 Page 144 of 145\n贵机构使用何种类型的加密货币？\n其他\n由于您在上方选择了“其他”，请列出所提供的其他加密货币。\nHDO 和 HCN\n您在加密货币/区块链行业的商业模式是什么？\n其他\n如果您在上方选择了“其他”，请解释您的加密货币商业模式。\nHimalaya Dollar (HDO) 是一种基于以太坊的 ERC-1404 代币，向下兼容 ERC-20。我们的稳定币锚定 United States Dollar (USD)，并由包含美元及现金等价资产的储备金提供支持。\n参与加密货币交易的主要业务合作伙伴是谁（流动性提供商、场外交易 OTC、交易所等）？\nHimalaya Exchange（喜马拉雅交易所）\n贵机构是否制定了反洗钱/打击资助恐怖主义（AML/CFT）计划（政策与程序）？\n是\n请上传您的 AML/CFT 计划（政策与程序）。\nAML Policy_V3.0.pdf\n贵机构的 AML/CFT 合规计划是否经过独立第三方的审查？\n否\n贵机构是否有投诉政策？\n否\n请上传您的投诉政策。\n贵机构是否与客户订立了业务协议或条款与条件？\n是\n请上传您的业务协议或条款与条件。\nHimalaya Exchange Terms & Conditions (16) New- 17.11.2021.pdf\n您的客户能否直接访问贵方服务中的钱包或账户？\n否\n关于开户程序的重要信息：\n为协助政府打击恐怖主义融资活动与洗钱活动，联邦法律要求所有金融机构获取、核实并记录识别每个开户人员身份的信息。这对您的意义：当您开立账户时，我们将索取您的公司成立文件、营业执照、营业地址、税务识别号以及使我们能够识别您企业的其他信息。我们可能会要求查阅您的其他身份证明文件或所有权文件。\n签收确认\n\nCase 1:23-cr-00118-AT Document 628-7 Filed 04/25/23 Page 145 of 145\n我特此确认收到本《商业客户身份识别计划须知》，并进一步确认我理解其内容。\n确认与同意\n我特此确认，本申请表中提供的信息截至下方我的签名处所列日期是真实且准确的。我同意将本文所包含的信息仅用于验证我的企业身份及防止欺诈的目的，并理解该等信息不会出于任何其他目的而被使用或与任何其他方共享。我进一步声明我是该企业的授权代表。\nRegulation GG（GG条例）– 非法互联网博彩披露\n我特此确认收到 FV Bank International Inc（FV国际银行股份有限公司）的《GG 条例非法互联网博彩披露》。签署于下方，我证明我目前未从事、且在账户存续期间亦不会从事根据 2006 年《非法互联网博彩执法法》（Unlawful Internet Gambling Enforcement Act of 2006），31 USG 5361 及下文各条（“UIGEA”）属于非法的任何活动或业务。我理解我不得使用本账户或任何其他服务接收因违反 UIGEA 的非法业务所产生的任何资金、转账、信用、票据或收益。我同意，如果被要求处理我认为属于 UIGEA 限制的交易，我将阻止该交易并采取根据 UIGEA 被视为合理的任何其他行动。\n大麻相关业务披露\n我特此确认收到 FV Bank International Inc 的《大麻相关业务披露》。签署于下方，我证明我目前未从事、且在账户存续期间亦不会开展如《大麻相关业务披露》中所述的任何大麻相关业务活动。未能告知 FV Bank International Inc. 实益拥有人拥有或直接控制大麻相关业务，或正在利用 FV Bank International, Inc. 接收、接受、持有或维持源自直接大麻相关业务的资金，是立即终止所有银行服务的理由。\n签名 签署人姓名\nGeorgette Adonis-Roberts\n申请日期\n11/17/2021","key_entities":[],"ecf_references":[],"word_count":17166,"status":"published","published_at":null,"created_at":null,"updated_at":"2026-08-23 08:24:23"}