Yangzijiang Financial Holding Ltd and its group of related companies (“YZJFH”)

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING OR ACCESSING THIS WEBSITE ("THIS SITE"). BY USING OR ACCESSING THIS SITE, YOU ARE AGREEING TO THE TERMS OF USE LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS BELOW, PLEASE DO NOT USE OR ACCESS THIS SITE.

General

The term "YZJFH" as used in these terms and conditions refers to Yangzijiang Financial Holding Ltd. The term "the YZJFH Group" refers to Yangzijiang Financial Holding Ltd and its subsidiaries and/or related corporations, as defined in the Singapore Companies Act (Chapter 50).

One of the subsidiaries of YZJFH Group, GEM Asset Management Pte Ltd. (“GEM”). GEM is a holder of a capital markets services license issued by the Monetary Authority of Singapore to conduct regulated activities in fund management and dealing in capital markets products.

All products and services of YZJFH herein provided are subject to the terms and conditions of the applicable agreements governing their use. These terms and conditions are meant to regulate your access to this website and they are to be read together with the applicable terms and conditions governing any transaction(s), product(s) and/or service(s) provided in this website. In the event of conflict between these terms and conditions and the terms and conditions governing the relevant transaction(s), product(s) and/or service(s) provided herein, the latter will prevail.

The information, material, functions and content provided in the pages of the website may be changed from time to time with or without notice at YZJFH Group's absolute discretion. Your continued access or use of the website and/or the services provided herein subsequent to any such change will be deemed as your acceptance to those changes.

Marketing Product Advertisement

The use of Marketing Product advertisement materials in the website are in compliance within the scope of Product Advertisement under the Securities And Futures (Licensing And Conduct Of Business) Regulation – Section 46 and Financial Adviser Regulation – Section 22.

Links

Links from or to websites outside this website are meant for convenience only. Such linked websites

are owned and operated by third parties and as such are not under the control of the YZJFH Group. Therefore the YZJFH Group shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services.

Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and the YZJFH Group will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.

Copyright

Unless otherwise indicated, the copyright in this website and its contents, including but not limited to

the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of the YZJFH Group, and are protected by applicable Singapore and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of the YZJFH Group.

You also may not, without the YZJFH Group's expressed prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other

server.

Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of the YZJFH Group's website may be in breach of statutory or common law rights which could be the subject of legal action.

The YZJFH Group disclaims all liability which may arise from any unauthorised reproduction or use of the contents of this YZJFH Group's website.

Trademarks

All trademarks, service marks, and logos displayed in this website are the property of the YZJFH Group and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of the YZJFH Group or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of the YZJFH Group or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to the YZJFH Group's website or any other site.

Exclusion of Liability

The YZJFH Group and/or its partners herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss profits or savings arising in connection with your access or use or the inability to access or use this website (or any third party link to or from the YZJFH Group's website), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

This exclusion clause shall take effect to the fullest extent permitted by law.

Indemnity

You hereby irrevocably agree to indemnify and keep indemnified the YZJFH Group from all liabilities, claims, losses and expenses, including any legal costs, on a full indemnity basis, that may be incurred by the YZJFH Group in connection with or arising from (1) your use or misuse of this website and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against the YZJFH Group in connection with your use of this website.

Termination

The YZJFH Group reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, the YZJFH Group may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of the YZJFH Group, of any other user, or of any third party.

Miscellaneous

The failure of the YZJFH Group to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.

If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect.

Any rights not expressly granted herein are reserved.

A person who is not a party to these Terms and Conditions of Access may not enforce its terms under the Contracts (Rights of Third Parties) Act 2001.

Law and Jurisdiction

These terms and conditions are governed by and are to be construed in accordance with the laws of Singapore. By accessing this website and/or using the services provided herein by the YZJFH Group, you hereby consent and submit to the non-exclusive jurisdiction of the Singapore courts in all disputes arising out of or relating to the use of this website.

The YZJFH Group makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdictions other than Singapore.

References

Securities And Futures (Licensing And Conduct Of Business) Regulation – Section 46 “Product Advertisement”

Financial Adviser Regulation – Section 22.“Product Advertisement”