SLC CORPORATION : LEGAL NOTICE : PUBLIC FACING WEBSITE

Please read the following Terms of Use ("Terms") carefully. These Terms set forth legally binding terms and conditions between you and SLC Corporation and its affiliates (collectively, "SLC", "we", "our" or "us") that govern your access to and use of the SLC website at https://slc.digital/ ("Website"), software that may be downloaded to your smartphone or tablet to access services (the "Mobile App"), and the services offered on the Website or Mobile App (collectively, the "Services")

By accessing or using the Services: (1) you represent that you have the authority to enter into this agreement and, if acting on behalf of a legal entity, that you have the authority to so represent it and that (2) You or such entity agree to be bound by these Terms and all additional terms incorporated by reference. If you do not agree to any portion of these Terms, do not access or use the Services.

SLC collects and uses personal information about you when you access and use the Services in accordance with its Privacy Policy: https://slc.digital/privacy.

Use and Restrictions. Subject to these Terms, SLC grants you a non-transferable, non-exclusive, revocable, personal, limited license (without the right to sub-license) to use and access the Services. The rights granted to you in these Terms are subject to the restrictions in these Terms. You are prohibited from using the Services: (i) for any unlawful purpose; (ii) to solicit others to perform or participate in any unlawful acts; (iii) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances (e.g., you are not located in an embargoed country or are not listed as a prohibited or restricted party under applicable export control laws and regulations); (iv) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (v) to cause or launch any programs, spiders, robots, or scripts or other automatic or manual devices or processes for the purpose of extracting, scraping, indexing, surveying, or otherwise data mining any portion of the Services, or unduly burdening or hindering the operation and/or functionality of any aspect of the Services; (vi) to attempt to gain unauthorized access to or impair any aspect of the Services, or the related systems, servers, or networks; (vii) for resale, time-sharing or other similar purposes; (viii) to stalk, harass or harm another individual; (ix) to impersonate any person or entity, or otherwise misrepresent your affiliation with any person or entity; (x) to use any portion of the Services in any manner that may give a false or misleading impression, attribution or statement as to us or any other person or entity; or (xi) to decompile, reverse engineer, jeopardize the correct functioning of the Services, disassemble the Services, or otherwise attempt to derive the source code of the software that enables or underlies the Services, except as may be permitted by applicable law. SLC reserves the right, at any time, to modify, suspend, or discontinue the Services (in whole or in part) with or without notice to you. You agree that SLC will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof.

Convenience and Information. The Services are provided to you as a convenience and for your information only. Your use of the Services is at your own risk. SLC does not warrant or represent that: (i) any materials, documents, recommendations, images, graphics, logos, design, audio, video, and any other information provided from or on the Services (collectively, the "Services Content") are accurate or complete; (ii) the Services Content is up-to-date or current; (iii) SLC has any obligation to update any Services Content; (iv) the Services Content is free from technical inaccuracies or programming or typographical errors; (v) the Services Content is free from changes caused by a third party; (vi) your access to the Services will be free from interruptions, errors, computer viruses or other harmful components; or (vii) any information obtained in response to questions asked through the Services is accurate or complete. Your use of the Services is solely at your own risk. SLC may, from time to time, develop patches, bug fixes, updates, upgrades and other modifications to improve the performance of the Services ("Updates"). Updates may be automatically installed without providing any additional notice or receiving any additional consent. You consent to this automatic update. If you do not want such Updates, your remedy is to terminate your Account and stop using the Services and the Products. If you do not terminate a previously created Account, you will receive Updates automatically. You acknowledge that you may be required to install Updates to use the Services and you agree to install any Updates that SLC makes available promptly. Your continued use of the Services is your agreement to these Terms with respect to the Services, and any change or updates that SLC may make to these Terms over time.

Third-Party Integrated Services. We may utilize and integrate services provided by third-party vendors to facilitate our Services ("Third-Party Services"). This may require your explicit consent and authorization. Once your consent is given for a particular Third-Party Service, you agree that SLC may exchange information and control data regarding you and the Services, including your personal information, in order to facilitate the Services that you have authorized. Once this information is shared with the particular Third-Party Services, its use will be governed by the third party's privacy policy and not by SLC's privacy documentation. You acknowledge and agree that SLC makes no representation or warranty about the quality or safety of any Third-Party Services. Accordingly, SLC is not responsible for your use of any Third-Party Service or the security of your personal information once it is provided to a third-party vendor as part of the Third-Party Services. You should contact the third party with any questions about their Third-Party Products Services.

Account Creation. In order to use certain features of the Services, you may need to register for an account and provide certain information about yourself. If you create an account, you represent and warrant that all information you submit to SLC ("Your Information") is true, accurate, complete, up-to-date, and solely yours or the entity's for which you are authorized to bind to these Terms. If any of Your Information changes, you must update it promptly. SLC is not responsible for verifying Your Information. SLC shall have no liability associated with or arising from your failure to maintain accurate, complete, or up-to-date account information.

Security.

Account Security. You are solely responsible for maintaining the confidentiality of your account login information and are fully responsible for all activities that occur under your account. If you believe your password or credentials have been lost, stolen, or that someone may attempt to use them, you must notify us immediately at the contact information set forth at the end of these Terms. SLC cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements. SLC reserves the right to deny you access to the Services if we believe your password or credentials have been or may be used by an unauthorized party.

Services Security: SLC cares about the integrity and security of your personal information. We endeavor to implement appropriate security measures. However, SLC cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You acknowledge that you provide your personal information to SLC at your own risk.

Fees. We reserve the right, but are not obligated, to limit the use of our Services to any person, by any quantity, and to any geographic region or jurisdiction. All fees are subject to change at any time without notice, at our sole discretion. We reserve the right to discontinue any Service at any time. Any Services is void where prohibited. We make no guarantee that you will be offered the same fees for the same Services in the future or for any new products and offerings that become available. We reserve the right to correct any misprints or errors in our listed fees and costs. You agree that all our fees are final and non-refundable.

Billing and Payment. By making a transaction on our Services, you authorize the banking information you provided to be used to facilitate the transaction and to be charged for our fees. You understand that you will be liable for payment of transactions that are initiated. We reserve the right to prevent the initiation or completion of any transaction you authorize. In the event that we make a change to or cancel a transaction, we may attempt to notify you by contacting the email address, billing address, or phone number currently listed in your Account. You agree to provide current, complete and accurate banking information, identifying information to accurately verify your identity, and contact information for all transactions made through our Services. Please note we use Onfido for identity verification and Plaid for bank account linking services made through our Services. Before you set up a transaction, we will transfer you to these Third-Party Services for verification of your eligibility to participate in the service and for linking your bank account information. You agree to provide all required information to us to facilitate the verification of your identity and link your bank account. By providing Your Information, you represent: (i) you have authorized us to use your Information; (ii) the information you provide is true and accurate; and (iii) you are authorized provide use this Information, including bank account information. In order to use our Services you will be required to create a Plaid account. Plaid will use your information in accordance with its Terms of Use and Privacy Policy. This includes using your information for Plaid's own purposes as set forth in its Privacy Policy. Please review these documents carefully.

IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR SLC ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.

Refunds. Since the blockchain is used to transfer funds, all transactions are final and no refunds will be provided regardless of error or fault.

User Content. The Services may now or in the future permit you to upload or post to the Services or otherwise submit to us in various forms of content, such as statements, reviews, ratings, feedback, questions, comments, and suggestions (collectively, "User Content"). We do not claim ownership in your User Content. However, by submitting any User Content, you hereby grant (and you represent and warrant that you have the right to grant) to SLC an irrevocable, non-exclusive, royalty-free, and fully-paid license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content in any manner SLC deems appropriate. You will not have or obtain any rights in or to any form, media, or technology incorporating any of your User Content. You agree that you will not submit to SLC any information or ideas that you consider to be confidential or proprietary. You further acknowledge that SLC will be entitled to unrestricted use of the User Content for any purpose whatsoever, commercial or otherwise. You are solely responsible for your User Content and assume all risks associated with your User Content, including any reliance on its accuracy, completeness, or usefulness by others, or any disclosure of User Content that personally identifies you or a third party. SLC cannot guarantee any confidentiality with respect to any User Content. We reserve the right (but have no obligation) to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate these Terms or otherwise create liability for us or any other person.

Intellectual Property. Excluding any User Content that you may provide, you acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets in the Services and Services Content are owned by SLC. Neither these Terms, nor your access to the Services, transfers to you or any third party any rights, title, or interest in or to such intellectual property rights. SLC reserves all rights not expressly granted in these Terms. There are no implied licenses granted under these Terms.

NO WARRANTIES. THE SERVICES AND SERVICES CONTENT ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS, AND SLC EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES OR SERVICES CONTENT WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICES OR SERVICES CONTENT, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Indemnification. You agree to indemnify and hold harmless SLC (and its employees, service providers, affiliates, subsidiaries, parents, and agents) from and against any and all claims, demands, suits, proceedings, liabilities, judgments, losses, damages, expenses, and costs (including costs and reasonable attorneys' fees) assessed or incurred by Us, directly or indirectly, with respect to or arising out of: (i) your violation of these Terms; (ii) your use of the Services or Services Content; (iii) your violation of applicable laws or regulations; (iv) your User Content; and (v) your willful misconduct. SLC reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of SLC. SLC will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SLC BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR SERVICES CONTENT, EVEN IF SLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SERVICES AND SERVICES CONTENT IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM OR BUSINESS, OR LOSS OF DATA OR FUNDS RESULTING THEREFROM. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THE SERVICES AND SERVICES CONTENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID BY YOU TO SLC FOR OR RELATING TO THE SERVICES OR SERVICES CONTENT WITHIN THE PRIOR TWELVE (12) MONTHS. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Termination. The Terms will remain in full force and effect while you use the Services. We may suspend or terminate your right to use the Services (including your account, if any) at any time for any reason at our sole discretion, including for any use of the Services in violation of these Terms. Upon termination of your rights under these Terms, your account and right to access and use the Services will terminate immediately. SLC will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your account.

Governing Law and Jurisdiction. All matters arising out of or relating to these Terms are governed by and construed in accordance with the internal laws of the State of New York, without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than those of the State of New York. Any action or proceeding seeking to enforce any provision of, or based on any right arising out of, these Terms that cannot be resolved amicably will be subject to the exclusive jurisdiction of the state and federal courts located in New York. You willingly and expressly agree that any dispute under these Terms must be brought in a court located in New York County, New York, and by these Terms, you submit to and unconditionally accept the jurisdiction of those courts.

Age Restriction. You affirm that you are at least eighteen (18) years of age, or an emancipated minor, and are fully able and competent to enter into these Terms, and abide by and comply with these Terms.

Third Party Links. The Services may include linked content provided by third parties ("Third Party Content"). Third Party Content is provided for your convenience and information only. Third Party Content is not under the control of SLC and SLC is not responsible for any Third Party Content. The inclusion of Third Party Content does not imply endorsement, affiliation, partnership, or sponsorship by SLC. Use of any Third Party Content is at your own risk.

Local Laws. SLC makes no representation that the Services are appropriate or available for use in jurisdictions outside the United States. Access to the Services from jurisdictions where such access is illegal is prohibited. If you choose to access the Services from other jurisdictions, you do so at your own risk and are responsible for compliance with applicable local laws. The Services may be subject to United States export control laws and may be subject to export or import regulations in other countries. You agree not to export, re-export, or transfer, directly or indirectly, any United States technical data acquired from the Services, or any products utilizing such data, in violation of the United States export laws or regulations.

Miscellaneous. These Terms constitute the entire agreement between you and SLC regarding the Services. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in the Terms are for convenience only and have no legal or contractual effect. If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

Changes. These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Services. If you have provided us with an e-mail address, you are responsible for ensuring that it is your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective upon the earlier of seven (7) calendar days following our dispatch of an e-mail notice to you (if applicable) or seven (7) calendar days following our posting of notice of the changes on the Services. These changes will be effective immediately for new users of the Services. Continued use of the Services following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

Contact. For questions on these Terms, please contact us at: info@slc.digital.

SLC CORPORATION IS NOT A BANK, MONEY SERVICES BUSINESS, FIAT FUNDS CUSTODIAN, INVESTMENT ADVISOR AND/OR DEALER/BROKER AS DEFINED BY SEC FINRA.

SLC CORPORATION IS EXEMPT FROM ALL BANKING AND SECURITIES LAWS AND REMAINS SOLELY A SOFTWARE COMPANY.