Risk Disclosure Statement

The securities made available through this platform/facility are offered to you in reliance on the exemption under section 272A(1) of the Securities and Futures Act (“SFA”).These offers are not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore (the “Authority”). You should NOT invest in the securities offered unless you fully understand the risks and are prepared to take the risks. You should carefully consider whether this investment is suitable for you in light of your knowledge and experience in financial and business matters, investment objectives, financial means and the risks that you are prepared to take.The risks of investing in such securities may include but are not limited to the following:

1. 100% loss on such investments
There is a high risk that you may lose all your money on such investments. Investments available through this platform/facility may include the shares or debt
securities of early-stage companies or companies without a proven track record. The risk of business failure is high. For every 10 new businesses formed in Singapore, 7 to 8 would cease operations in the same year (Source: Singapore Department of Statistics, Formation & Cessation of
Business Entities in 2015, http://www.singstat.gov.sg). There is therefore a high risk that you may lose 100% of your investment.

2. Difficult to cash in or exit such investments
It may be difficult or even impossible for you to cash in or exit such investments. Such investments are subject to resale restrictions set out in section 272A(8) of the SFA, and there may not be a secondary market for them.

3. Risks of equities investments
If such investments are in shares, you may not receive a dividend, and your shareholdings could be significantly diluted if new shares are issued. In addition, if the shares are unpaid or partly paid, you will still be liable to pay the remaining amount to the company.

4. Online platform/facility failure
If the online platform/facility handles your money, you may also lose all your money in this investment if the online platform/facility fails and becomes insolvent.

5. Risks of investing in foreign issuers
If such investments are offered by an issuer in a foreign jurisdiction, your investment will be subject to the laws and regulations of that jurisdiction. You may also be subject to additional tax liabilities, transaction costs and capital controls.

6. No disclosure requirements
You may not have sufficient information to make fully informed investment decisions. There is no statutory obligation for issuers or intermediaries to provide you with information that you would reasonably require to make informed assessments of offers being made to you.

7. No assurance that financial statements/information from the companies that you invest in will be accurate or accessible
The financial statements of the companies which you invest in may not be subject to a statutory audit. As such, the financial information presented to you may not have been ascertained by a qualified professional auditor. An unaudited financial statement may not accurately reflect the financial health of a company. In addition, the financial statements of the companies may not be made accessible to you in the absence of requirements in their home country for them to do so.

You should seek independent professional advice if you do not fully understand the
risks of investing in securities offered on this platform/facility or any of the statements above.

The investments are risky! There is a high risk that you may lose all your money. Do not invest unless you understand what you are investing in and can afford to lose your entire investment.

I hereby acknowledge that I have carefully read, understood and accept the Risk Disclosure Statement and fully understand its contents. In particular, I acknowledge that:

• the risk of investing in companies with little or no track record is high (for every 10 new businesses formed in Singapore, 7 to 8 would cease operations in the same year, source: Singapore Department of Statistis, Formation & Cessation of Business Entities in 2015, http://www.singstat.gov.sg)

• I may not able to receive any return (e.g. dividends or interests) on my investments or exit my investments in such companies within a reasonable time; and

• I am prepared to lose all my investments in such made through this platform