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RISK WARNING ON DIGITAL PAYMENT TOKEN SERVICES The Monetary Authority of Singapore (MAS) requires Intellect Market Pte Ltd to provide this risk warning to you as a customer of a digital payment token (DPT) service provider. Before you pay your DPT service provider any money or DPT, you should be aware of the following. 1. Your DPT service provider is exempted by MAS from holding a licence to provide DPT services. Please note that you may not be able to recover all the money or DPTs you paid to your DPT service provider if your DPT service provider’s business fails. 2. You should not transact in the DPT if you are not familiar with this DPT. Transacting in DPTs may not be suitable for you if you are not familiar with the technology that DPT services are provided. 3. You should be aware that the value of DPTs (bitcoin, litecoin, dogecoin etc.) may fluctuate greatly. You should buy DPTs only if you are prepared to accept the risk of losing all of the money you put into such tokens.