TERMS OF SERVICES

Last updated: JUN 16, 2019

General

REALTRADE provides online features (the “Platform”) to allow users to easily conduct the issuance and management of blockchain, or otherwise cryptographically secured tokens (“REALTRADE Tokens”).

This Terms of Service (together with our Privacy Policy, available at https://realtradeclub.com, incorporated herein by reference, the “Agreement” or “Terms”) between you (the “User” or “you”) and REALTRADE PANAMA SA. (“REALTRADE”, “us”, “we” or “our”). You accept these Terms when you use REALTRADE services or any other features, technologies or functionalities offered by REALTRADE on the REALTRADE website at https://realtradeclub.com (the “Site”), its subdomains, on webpages on social networks or through any other means (collectively, “Services“).

Terms form a legally binding agreement between you and REALTRADE in relation to your use of the Services. Your agreement with REALTRADE will always include, at the very least, the Terms set out in this document and the Privacy Policy. It is important that you take the time to read them carefully.

Your access to and use of the Service is conditional on your acceptance of and compliance with these Terms. By accessing or using the Service you agree to be bound by these Terms. In this case, you understand and agree that REALTRADE will treat your use of the Services as acceptance of the Terms from that point onwards. If you disagree with any part of the Terms, then you may not access the Service.

These Terms apply to all visitors, users and others who access or use the Service. Before you continue, you should print off or save a local copy of the Terms for your records. We will provide notice of any amendments to these Terms by posting any revised terms to the Site and updating the “Last updated” field above accordingly or by any other method we deem appropriate. We are not obligated to provide notice in any other method beyond these. Any change to these Terms will be effective immediately upon such notice and apply to any ongoing or subsequent use of the Site, Services, or Platform.

Qualifications of User in Order to Use the Site

The User represents and warrants that you are at least eighteen (18) years of age (legal age), are legally entitled to use the Internet and services like those provided by REALTRADE (according to the law in Singapore and applicable laws of any relevant jurisdiction in which you reside) and have not had your right to use our Service previously suspended or revoked by us. You may not use the Services and may not accept the Terms if (a) you are not of legal age to form a binding contract with REALTRADE, or (b) you are a person barred from or not qualified for receiving the Services under the applicable laws of Singapore, or other countries including the country in which you are resident or from which you use the Services.

Illegal and Prohibited Use

You agree to use the Services only for purposes that are permitted by (a) the Terms and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdiction.

The User represents and warrants that the User will not use the Site or Platform for any criminal, illegal, or otherwise prohibited use, including (but not limited to) activities related to money- laundering, drug trafficking, human trafficking, weapon trafficking, terrorism, securities fraud, or tax evasion. You represent and warrant that you will not use our Platform to assist any other party in such illegal activity.

The User represents and warrants that the User will not in any way use the Platform or Services to: distribute spam, junk communications or chain letters; reverse engineer or otherwise improperly access any of the Site’s or the Platforms underlying code or technical mechanisms; cause damage to the Site or REALTRADE through any means, including (but not limited to) through the use of hacking, malware, viruses, illegitimate credentials, phishing, brute force attacks, SQL exploits, or any other method of detrimentally intercepting, interrupting, or damaging any information or functionality related to the Site.

You agree that you exclusively will access and use your Account and may not transfer the right of its use granted to you under these Terms, or disclose any log-in credentials to a third party without our written consent. You agree to take full responsibility for any activity that occurs through the use of your account and cannot transfer this obligation to any third party. You agree to notify REALTRADE in the event that you discover or suspect any security breaches or vulnerabilities related to the Site, Services or Platform and if you become aware of any unauthorized use of your password or of your account.

Registration and Account

The use of our Services requires you to create an account with REALTRADE (“Account”). You warrant and represent that all information provided when creating such an Account is current, complete, and accurate. You agree to promptly notify REALTRADE of any changes to any information that would cause the information provided upon your Account’s creation to no longer be current, complete or accurate. You also warrant and represent that you understand that no Account will be fully created until you confirm your identity, mobile phone number and email address in a manner deemed suitable by us.

REALTRADE may require you to provide additional information to verify your identity, address, or any other information in your account (“Know your customer” or “KYC” procedure), such as your full name, date of birth, nationality, city of residence, phone number, email address, ETH wallet address, a clear copy of ID (such as an national identity card or passport that bears a photograph), a photograph of your face clearly visible, holding ID and note with words “Realtrade Token + today’s date” next o face. You are responsible for the relevance and validity of information to be provided when registering an account. REALTRADE is not obligated to verify your identity or any other personal information and may do it at its own discretion.

You represent and warrant that you are not a politically exposed person or fall under any internationally recognized sanctions regime followed by Singapore or by the United Nations. You agree and understand that you are responsible for maintaining the confidentiality of your password and also for maintaining up-to-date contact details including mobile phone number and email address associated with your personal account.

You bear all responsibility connected with assurance of access to the personal account or retaining an option of restoring such access. If access to your account is lost, and it cannot be restored by the use of the mobile phone number or email address associated with your personal account, and you have not completed the identification procedure or provided incorrect information in the KYC procedure, your account will not be subject to restoring. The personal account is only designed for purchase, storage and limited resale of digital tokens. It cannot be considered as an investment, deposit or credit. Interest or any other income is not accrued on the assets kept in the Account.

You can delete your personal data or account on the Platform which is irrevocable after seven days from the date of deletion. In case you delete personal data or your account you will not able to withdraw any assets from your personal account, so you shall ensure that you have withdrawn all the assets from your account prior to its deletion.

Damages Caused by Vulnerabilities Inherent in the Internet or in Blockchain

Use of the Internet is known to not be one-hundred percent secure. You agree that REALTRADE is not responsible whatsoever for any damages caused by the interception, loss or alteration to any information sent over the Internet. While REALTRADE will take reasonable steps to ensure the security and privacy of any information transmitted during your use of our Services, in no event will any such information be considered “confidential” or will its disclosure to a third party, accidental or otherwise, cause liability against REAL TRADE CLUB, even if it occurs as a result of our negligence.

REALTRADE takes every reasonable precaution to prevent and mitigate attacks. However, these problems still may occur from time to time for reasons that are out of our control. If REALTRADE believes a token active on the Platform has been compromised or is under attack, REALTRADE reserves the right to immediately stop all Services related to that token. If it is determined that such an attack caused an associated Token to rapidly lose value or otherwise cause or threaten to cause damage to the Platform, the Site, or other users, REALTRADE may immediately discontinue all activities regarding such Token entirely at its discretion. Resolution concerning deposits, withdrawals, account balances, Services or other disputes related to an attacked token will be determined on a case-by-case basis. REALTRADE makes no representation and does not warrant the safety of the Platform and is not liable for any lost value or stolen property, regardless of whether REALTRADE was negligent in providing appropriate security.

REALTRADE Does Not Provide Legal, Financial or Investing Advice

REALTRADE does not conduct token sales itself but provides the Platform for launching token sales, also referred to as initial coin offerings (“ICO”) campaigns by other persons (“ICO initiators”), and the execution of token sales to its users. REALTRADE provides the Services to ICO initiators and to its Users only within their scope. REALTRADE does not take responsibility for fulfillment obligations by ICO initiators to purchasers and cannot be held liable for any acts or omissions of ICO initiators.

REALTRADE does not charge Users of the Platform any fees, but takes a commission based on the amount of tokens sold from ICO initiators.

In no way should our providing of Services be considered legal, financial, investing advice or any other kind of specialized or expert advice on which the User might detrimentally depend, causing liability against REALTRADE. In using the Platform, you represent and warrant that you have sought any legal, financial, investment or otherwise specialized advice from an expert qualified to provide such counsel, or else you have the sufficient knowledge and sophistication to evaluate the risks and merits associated with Blockchain and/or token management and offerings and to competently use our Services. We give no warranty regarding the suitability of any tokens or other assets acquired using our Platform and assume no fiduciary duties to you.

The User represents and warrants you understand that any recommendations or commentary made by REALTRADE or its employees or other users should be considered generalized in nature, and you should use your own judgment or seek the advice of an expert before taking any action regardless of any such statement. We give no assurance as to the accuracy or completeness of any such statement.

Risk Disclosure

The User acknowledges, understands and agrees that the User (i) acknowledges and understands the following risks related to REALTRADE Token, REALTRADE ICO and/or general crypto currency and blockchain technology; (ii) is not entitled to any damage compensation, termination of this Agreement, return of partial or whole Ethereum paid by the User in consideration for REALTRADE Token and/or any other kinds of similar rights in the event of occurrence of one or more of the following; and (iii) shall not delay or omits its obligations under this Agreement in the event of occurrence of one or more of the following:

(1) Risk associated with the development and deployment of REALTRADE COIN and REALTRADE:

(2) Risk associated with the REALTRADE Token and/or Sale of REALTRADE Token: (a) Sale of REALTRADE Token may not be completed or may not be completed in accordance with the means and/or schedule set out in the White Paper;

(3) Risks associated with blockchains and distributed ledger technologies:

(4) Risks associated with REALTRADE Project:

(5) The User acknowledges, understands, and accepts that there may be material changes in the value of REALTRADE Token, the specifications of REALTRADE Project plan, the feasibility of REALTRADE Project due to unexpected technology development and unexpected dramatic change in regulations within Singapore and/or any other jurisdiction.

Terms of Tokens Sale

Before making a purchase the User must read and understand terms of sale provided by an ICO initiator. In case the User does not agree to any provision of the Terms of sale, he or she must cancel the purchase.

By purchasing tokens the User confirms that he or she has read and understood all the related documentation (the white paper, Terms of sale, road map, the waiver and other relevant documents) and has obtained qualified advice from seasoned professionals in the field of ICO investments and also represents and guarantees legality of his or her purchase and of other relevant acts to REALTRADE. The User also agrees that by purchasing tokens, the User enters into contractual relations with a relevant ICO Initiator and that thereafter he or she must address all claims to the ICO Initiator only.

REALTRADE does not provide information on ICO initiators’ business. ICO initiators are responsible for full disclosure and truthfulness of the information on ICO provided on the Platform and also for compliance with the terms of the issue. The User agrees to address any questions about an ICO directly to ICO initiators.

All changes in the Terms of sale must be monitored by the Users. Any disagreement with the changes must be discussed with the relevant ICO initiator. REALTRADE cannot be brought as a co-party to any dispute concerning the changes in the relevant Terms of sale. The User bears all the risks of unfavorable consequences of disregarding the rules of purchase established by ICO initiator.

REALTRADE is not responsible for arrangements made between the User and any ICO initiator in the course of a private sale or otherwise outside the Platform. Responsibility for fulfilment of such arrangements as well as liability for non-fulfillment of such arrangements are borne by the parties to such arrangements – ICO initiator and the purchaser of tokens.

KYC Verification

Tokens can only be purchased after completion of the KYC procedure to verify the identity and address of the buyer and other required information. The form for the KYC procedure is made available only once the application for purchase of tokens is submitted on the Site. The list of required documents and information is determined by REALTRADE and a relevant ICO initiator at their own discretion and in accordance with applicable legislation and the rules of a relevant ICO.

All the documents which the User submits within the KYC procedure must be drawn up in English and/or Korean.

The User represents and warrants that all the information provided in the KYC verification procedure is truthful, current, complete and accurate. REALTRADE does not bear any liability for provision of untruthful, obsolete, incomplete or inaccurate information by the User.

The User admits that KYC verification procedure may take time, up to several hours or several days. The exact time of verification depends on free capacity of the system as of the moment of verification.

REALTRADE is entitled to involve third parties, in particular specialized services, for the purposes of data verification and processing. The User agrees to the transfer of information provided for the purpose of verification, including personal data of the User, to such third parties. In case the User does not fully complete the verification procedure, the KYC procedure is not considered completed. If the User purchases tokens without completion of the verification procedure, REALTRADE in entitled to cancel the purchase, including without possibility to restore the purchase. In this case the purchaser also risks being rejected by an ICO initiator, including without possibility to restore the tokens’ purchase. Transfer of Digital Assets to and from the Platform You should bear in mind that REALTRADE never provides payment details by email, messengers or other means of communication. The User receives an individual address only in the personal Account on the Site. The User themselves bears the risk of transferring funds using payment details received by other means other than independently in his or her personal account on the Site. Before transferring funds to the Account the User must correctly enter the payment information provided by REALTRADE. The User must ensure that the address entered and the address provided match and that there are no computer viruses changing the receiving address on the User’s device. REALTRADE incurs no liability for the loss of digital assets and other unfavorable consequences due to incorrectness of address information or substitution of addresses caused by any computer virus on the User’s device. The User can transfer ETH to our Platform to purchase tokens listed on the Site. The minimum amount accepted in ETH is 0.1. (The Presales’s minimum amount accepted in ETH is 5.) Fiat currency nominated in US Dollars is accepted only for private sales. Your funds will appear in your account depending on the processing time of the transaction, which is out of REALTRADE’s control. Once the transferred funds are available in your account, you may use them to purchase tokens listed on the Platform. However, the mere transfer of funds to your account does not represent the purchase of tokens. Tokens can only be purchased during the official token sale by accepting the respective Terms of Token Sale and after completion of the KYC procedure. Subject to verification requirements provided herein, you can withdraw the funds by logging into your own REALTRADE Account (less bank charges for USD wires and transaction fees for BTC ETH and other cryptocurrencies) at any time. REALTRADE may also return all or a portion of your money transferred by you to your Account, at any time and at its own discretion. Any such refund will be made in the same form as a payment received from you.

You are fully responsible for implementing reasonable measures for securing your wallet, vault, or other storage mechanism you decide to use to receive and hold purchased tokens outside of your account, including any requisite private key(s) or other credentials necessary to access such storage mechanism(s). If your private key(s) or other access credentials are lost, you may lose access to the purchased tokens. REALTRADE is not responsible for any such losses.

Tokens purchased by the User will be issued according to the respective Terms of Token Sale. Once issued by the seller of the tokens, REALTRADE will distribute them to your Account. Tokens will be available in your Account until you transfer them outside of the Platform. When tokens are distributed outside of the platform, transaction fees may apply. In case of erroneous transfer of digital assets by REALTRADE to the User, the User is obligated to return immediately erroneously transferred digital assets back to REAL TRADE CLUB.

REALTRADE does not provide advice on technical aspects of the transfer of digital assets. The User is entitled to resell the tokens which he or she purchased in an ICO through REAL TRADE CLUB or from another user of the Platform to another registered user of the Platform for fiat or crypto currency in the personal account of the buyer on the Platform. Before sending purchased and received tokens outside your account you must ensure that the receiving platform will be able to recognize tokens, support the format of tokens and accept them. The User agrees to obtain professional advice of experts in digital assets regarding all the details of the transfer of tokens to the User’s account to ensure that the transfer will be carried out successfully if he or she lacks the required knowledge and expertise. REALTRADE is not responsible for any errors made by the User during the process of transfer of digital assets and any losses caused by the transfer of tokens to wrong addresses or non- supporting platforms. REALTRADE does not restore or compensate tokens or funds lost due to the User’s error or other reasons beyond our control.

In case of erroneous transfer of digital assets by REALTRADE to the User, the User is obligated to return immediately erroneously transferred digital assets back to REAL TRADE CLUB.

The User understands and accepts that in the case of cancellation of purchase of tokens by the User on their own, by the ICO initiator or REALTRADE for one reason or another, as well as in the case of credit or withdrawal of cryptocurrency or tokens to and from the User’s personal account, the User must pay a blockchain commission proportionate to the amount of the Services provided to the User by REALTRADE. The amount of commission in this case is calculated on the basis of relevance and traffic of the Blockchain network as of the time of cancellation of the purchase or withdrawal of cryptocurrency from the User’s personal account.

REALTRADE incurs no liability for blockchain network failures and delays, time taken for crediting funds to the User’s Account, or for unfavorable consequences caused by delayed crediting of funds.

License

We grant you a limited, nonexclusive, nontransferable license (“License”) to access and use our Platform, Site and Services. This License is subject to these Terms. Any other use of the Services not expressly permitted by these Terms is prohibited. All other rights in the Platform are reserved by REALTRADE and our licensors, including that to any content or functionality as presented on the Site or the Platform. “REALTRADE” all logos related to Services or displayed on the Site are trademarks or registered marks of REALTRADE or its affiliates. You will not redistribute, claim ownership, license, deconstruct, reverse engineer, alter, incorporate into any other works or websites, or otherwise exploit any such content or functionality without prior express written consent of REALTRADE.

We grant you a limited, nonexclusive, nontransferable license (“License”) to access and use our Platform, Site and Services. This License is subject to these Terms. Any other use of the Services not expressly permitted by these Terms is prohibited. All other rights in the Platform are reserved by REALTRADE and our licensors, including that to any content or functionality as presented on the Site or the Platform. “REALTRADE” all logos related to Services or displayed on the Site are trademarks or registered marks of REALTRADE or its affiliates. You will not redistribute, claim ownership, license, deconstruct, reverse engineer, alter, incorporate into any other works or websites, or otherwise exploit any such content or functionality without prior express written consent of REALTRADE.

Termination

We may terminate or suspend your License to our Services without prior notice or liability for any reason whatsoever at our sole and absolute discretion, including (but not limited to) if you breach the Terms. Nothing in these terms or in any other communication or action by REALTRADE or our employees, agents or representatives should be taken as a waiver of any legal remedies available for any event causing termination. You acknowledge and agree that if REALTRADE disables access to your account, you may be prevented from accessing the Services, your tokens or any other assets which is contained in your account. All provisions of the Terms which by their nature should survive termination shall survive termination, including (but not limited to) ownership provisions, disclaimers or limitations of obligations or liability, and indemnity.

Links to Other Web Sites

REALTRADE or other users may provide links to third-party web sites or services that are not owned or controlled by REALTRADE. REALTRADE has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that REALTRADE shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or detrimental reliance on any information, content, goods or services available on or through any such web sites or services. REALTRADE is not liable for any loss or damage incurred as a result of interacting with any third party content on our Site.

Copyright of Communications In Connection With Our Services

You agree that any materials, information or communications transmitted between the User and REAL TRADE CLUB in any form, or between the User and any other REALTRADE user via our Platform, are non- confidential and will become the sole, exclusive property of REALTRADE. REALTRADE will own all intellectual property rights to such communications or materials, and can use or disseminate them in a completely unrestricted fashion for any legal purpose, commercial or otherwise, without notifying or compensating you. You hereby waive any right to litigation or recovery for perceived damages caused by the use of this information as is permissible by law.

Privacy Policy

For information about REALTRADE’s data protection practices, please read REALTRADE’s Privacy Policy at https://realtradeclub.com. This policy explains how REALTRADE treats your personal information, and protects your privacy, when you use the Services. You agree to the use of your data in accordance with REALTRADE’s Privacy Policies.

Indemnification

You agree to indemnify, exculpate and hold REALTRADE, its representatives, affiliates, employees and service providers harmless from any claim or demand permissible by law arising out of or related to the use of these Services, including any breach by you of these Terms or violation of any law, rule, or rights of a third party. You agree to pay any legal fees or

other costs incurred by REALTRADE or any other indemnified parties as a result of your actions.

Disclaimer

TRADE CLUB does not guarantee any level of performance or the continued, uninterrupted availability of our Services. We do not guarantee the accuracy of any information provided on the Site. We hereby disclaim all warrants and guarantees that are not expressly made in these Terms.

Limitation of Liability

Subject to the above disclaimers, you expressly understand and agree that REALTRADE shall not be liable to you for: (1) any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but not be limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, any loss of data suffered, cost of procurement of substitute goods or services, or other intangible loss; (2) any loss or damage which may be incurred by you, including but not limited to loss or damage as a result of: (a) any reliance placed by you on the completeness, accuracy or existence of any ICO documentation, or as a result of any relationship or transaction between you and any ICO initiator whose documentation appears on the Platform; (b) any changes which REALTRADE may make to the Services, or for any permanent or temporary cessation in the provision of the Services (or any features within the Services); (c) the loss, deletion of, corruption of, or failure to store, receive or send any tokens, cryptocurrencies and other digital assets, fiat currency kept or transmitted by or through your use of the Services; (d) your failure to provide REALTRADE with accurate account information; (e) your failure to keep your password or account details secure and confidential.

The limitations on REALTRADE’s liability to you in the text above shall apply whether or not REALTRADE has been advised of or should have been aware of the possibility of any such losses arising.

Applicable Law

The validity, interpretation, construction and performance of these Terms, and all acts and transactions pursuant hereto and the rights and obligations of the parties hereto shall be governed, construed and interpreted in accordance with the laws of Singapore, without giving effect to principles of conflicts of law.

Arbitration

Except for any disputes, claims, suits, actions, causes of action, demands or proceedings (collectively, “Disputes”) in which either Party seeks to bring an individual action in small claims tribunals or seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, including, without limitation, copyrights, trademarks, trade names, logos, trade secrets or patents, you (i) waive your respective rights to have any and all Disputes arising from or related to these Terms resolved in a court, and (ii) waive your respective rights

to a jury trial. Instead, you will arbitrate Disputes through binding arbitration (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court). Any Dispute shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre (“SIAC Rules“) for the time being in force, which rules are deemed to be incorporated by reference in this clause. The seat of the arbitration shall be Singapore. The Tribunal shall consist of three (3) arbitrator(s). The language of the arbitration shall be English.

No Class Arbitration, Class Action

or Representative Actions Any Dispute arising out of or related to this Agreement is personal to you and the REAL TRADE CLUB and will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative proceeding. There will be no class arbitration or arbitration in which an individual attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals. Before an arbitrator has been appointed to determine a dispute, REALTRADE by notice in writing to all other Parties may require that a specific dispute be heard by a court of law at the place of the defendant or in any other applicable court at the choice of REALTRADE.

Language of the Terms

Where REALTRADE has provided you with a translation of the English language version of the Terms, then you agree that the translation is provided for your convenience only and that the English language version of the Terms will govern your relationship with REALTRADE. If there is any contradiction between what the English language version of the Terms says and what a translation says, then the English language version shall take precedence.

Survival and Severability

Any portion of these Terms that reasonably should survive the termination of your License or any other agreement is hereby agreed to do so. If any provision of these terms is deemed illegal, invalid or otherwise invalid for any reason, then that provision will be severed, and the rest of these Terms will remain intact and enforceable.

Integration

Our failure to exercise or enforce any rights or provisions of these Terms does not constitute a waiver of those rights or provisions. These Terms represent the entire and complete agreement between the User and REALTRADE, including any future modification of these Terms, superseding any prior agreements or communications between you and us. Any ambiguities in these Terms shall be construed in the light most favorable to REALTRADE.

Force Majeure

REAL TRADE CLUB’s performance under these Terms shall be excused if the failure of such performance is caused by forces beyond its reasonable control. This includes (but is not limited

to) acts of God, acts of any government, war or civil unrest, severe weather, fire, natural disasters, political or economic embargos and sanctions, terrorism, power or equipment failure, industrial or labor disputes or controversies, acts of any third party, blocking of Blockchain related websites by domestic governments, hackers’ attacks, Internet or blockchain failures.