PLEASE READ ALL OF THE FOLLOWING TERMS AND CONDITIONS OF SERVICE (“TERMS OF SERVICE“) FOR INTERBANKCHINA. By continuing to access or use this Site, or any service on this Site, You signify YOUR ACCEPTANCE OF THE TERMS OF SERVICE. INTERBANKCHINA is a financial services platform exclusively authorized by Shanghai CFETS-NEX International Money Broking Co., Ltd. INTERBANKCHINA reserves the right to amend, remove, or add to the Terms of Service at any time. If at any time You do not wish to accept the Terms of Service, You may not access or use this Site. Any terms and conditions proposed by You which are in addition to or which conflict with the Terms of Service are expressly rejected by INTERBANKCHINA and shall be of no force or effect.

A. General Terms

1. License Grant.

a) Permitted Uses. During the Term (as defined below) of each registration for INTERBANKCHINA, INTERBANKCHINA grants You a nonexclusive, non-transferable and limited license to access, store and use (“Use”) the services provided to You hereunder (collectively, the “Services”) only as expressly permitted in these Terms of Service. Each User (as defined below) may access, search, view and store a single electronic copy of the data made available via the Services (“Data”) on the terminal of User (as defined below) solely for his or her use. A User may, as part of and in the ordinary course of such User’s work and to support Your primary business, use and disseminate internally within Your firm (“Internally”) and externally outside of Your firm (“Externally”) a Limited Amount (as defined below) of: (i) Data; and (ii) Resultant Data (as defined below). Any use or dissemination of Data Internally or Externally allowed herein or otherwise consented to by INTERBANKCHINA shall be accompanied by: (i) attribution to INTERBANKCHINA, as specified by INTERBANKCHINA from time to time and (ii) all notices contained within the Data in an unaltered state, including any copyright notice, trademark or other proprietary rights notice. “Limited Amount” shall mean a de minimis amount and/or type of Data or Resultant Data, in quantity, frequency of distribution and/or scope of distribution, as determined in INTERBANKCHINA’s sole judgment. “Resultant Data” shall mean data that is the output of calculations performed by You or on Your behalf using Data, provided that such Data used to calculate the Resultant Data does not, in INTERBANKCHINA’s good faith judgment, remain identifiable in, and may not be readily extracted or reverse-engineered from, the Resultant Data.

b) Prohibited Uses. Except as expressly permitted in paragraphs 1(a) of these Terms of Service, You shall not (i) distribute, copy, scrape, store, download, create derivative works or make any other use of the Services, Data or Resultant Data, (ii) sell, license or distribute Data or Resultant Data to third parties or (iii) store or include Data or Resultant Data in, or route the same to, any database or server. Notwithstanding anything to the contrary in these Terms of Service, You (I) may not use or distribute, and may not permit any third party to use or distribute, the Services, Data or Resultant Data in any manner that could, in INTERBANKCHINA’s good faith judgment, cause the Services, Data or Resultant Data so used to (x) be a substitute for, or affect INTERBANKCHINA’s ability to realize revenue in connection with, the Services or Data or (y) compete with the business of INTERBANKCHINA or its affiliates, (II) agree to comply with all requirements of third-party data providers with respect to Data from such third parties, and (III) shall ensure that User, if User receives software models in connection with the Services, does not make such software models available to any other person or entity. You shall comply with all applicable law in Your Use of the Services.

2. Access and Security.

a) Permitted Users. Only an individual associated with INTERBANKCHINA subscription to the Services described in INTERBANKCHINA (each individual, a “User”) may access the Services provided pursuant to INTERBANKCHINA and through a unique username and password (the “User ID”). Each User must be either an employee or an individual consultant of Your firm. The registration information provided to INTERBANKCHINA with respect to each User shall be accurate and truthful and You shall promptly update the registration information as directed by INTERBANKCHINA. Each User may not (i) share his or her User ID with any person, (ii) permit any other person to access the Services through such User’s User ID or (iii) access the Services from multiple devices simultaneously. You shall comply, and shall ensure that Your Users comply, with these Terms of Service and any other applicable terms and conditions governing website access set forth on this Site, which INTERBANKCHINA may modify from time to time.

b) Security. You shall notify INTERBANKCHINA promptly in writing at the address specified by INTERBANKCHINA of any known or suspected unauthorized use of the Services, including, but not limited to, User IDs, or any known or suspected breach of security, including, but not limited to, loss, theft or unauthorized disclosure of the User IDs. INTERBANKCHINA shall have the right to use and disclose information obtained from or input by You and Users as part of any legal process or proceeding, as required by law, to enforce the terms of any agreement between You and INTERBANKCHINA, or as otherwise permitted under the privacy policies available on this Site. You have all necessary authority to provide each User’s electronic mail address and other User information to INTERBANKCHINA and to permit INTERBANKCHINA to communicate with You and Users via electronic mail, including notifying You or Users of new features, services or events or consisting of selected content, and monitoring such electronic mail. INTERBANKCHINA may periodically audit and monitor (physically or electronically) the use of the Services to ensure compliance with the terms herein and to maintain or improve the provision of the Services.

3. Intellectual Property.

The Services, including each portion thereof, were developed, compiled, prepared, revised, selected and arranged by INTERBANKCHINA and others (including certain information sources) (individually and collectively, “IP Rights Holders”) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort and money and constitute valuable intellectual property and trade secrets of the IP Rights Holders. You agree that You have no ownership rights in or to the Services or Data and that no such rights are granted under these Terms of Service. You shall protect the proprietary rights of the IP Rights Holders during and after the Term (as defined below). You shall comply with all written requests made by IP Rights Holders to protect their contractual, statutory and common law rights in the Services with the same degree of care used to protect Your own proprietary rights, which in no event shall be less than reasonable efforts. You shall notify INTERBANKCHINA in writing promptly upon becoming aware of (i) any claim that the Services infringe any patent, copyright, trademark or other proprietary rights or (ii) any suspected infringement by a third party of any proprietary rights of INTERBANKCHINA. You shall not use any of INTERBANKCHINA’s or its affiliates’ trademarks, trade names or service marks in any manner that creates the impression that such names or marks belong to or are identified with You or that You are associated with or licensed by INTERBANKCHINA or its affiliates to use such names or marks and You acknowledge that You have no ownership rights in or to any of these names or marks.

4. Fees and Charges.

Fees and Charges Generally. You agree to pay INTERBANKCHINA the fees and charges set forth on each premium service (as such fees and charges may be modified pursuant to these Terms of Service), together with any applicable taxes.

5. Liability.

INTERBANKCHINA, ITS AFFILIATES AND THEIR RESPECTIVE SUPPLIERS AND THIRD-PARTY AGENTS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THE SERVICES AND ALL PORTIONS THEREOF ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

6. Services Not Investment Advice.

Nothing in the Services shall constitute or be construed as an offering of financial instruments or asinvestment advice or investment recommendations (i.e.,recommendations as to whether or not to“buy”, “sell”, “hold”, or to enter or not to enter into any other transaction involving any specific interest or interests) by INTERBANKCHINA or its affiliates or a recommendation as to an investment or other strategy by INTERBANKCHINA or its affiliates. No aspect of the Services is based on the consideration of Your individual circumstances, and data and other information available via the Services should not be considered as information sufficient upon which to base an investment decision. INTERBANKCHINA and its affiliates do not express an opinion on the future or expected value of any security or other interest and do not explicitly or implicitly recommend or suggest an investment strategy of any kind. The Services are not and shall not be construed as tax, accounting or regulatory advice.

7. Miscellaneous.

INTERBANKCHINA shall be third-party beneficiaries with respect to Your agreements and obligations under these Terms of Service. INTERBANKCHINA may delegate certain of its responsibilities, obligations and duties hereunder to a third party or affiliate for discharge of those responsibilities, obligations and duties on INTERBANKCHINA’s behalf. These Terms of Service constitutes the entire agreement between the parties as to the subject matter hereof and no other changes, modifications or waivers shall be binding unless in writing and signed by the parties hereto. If any provision herein is found invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the other provisions shall remain in force. The headings are solely for the convenience of the parties and have no legal or contractual significance. Any modifications, waivers or notifications relating to these Terms of Service may be executed and delivered by facsimile, electronic mail, or other electronic means, including via a website designated by INTERBANKCHINA by completing the procedures specified on that website. Any such facsimile, electronic mail transmission, or communication via such electronic means shall constitute the final agreement of the parties and conclusive proof of such agreement, and shall be deemed to be in writing and to have the same effect as if signed manually. You agree that You have the ability to store the information delivered to You electronically such that it remains accessible to You in an unchanged form.

INTERBANKCHINA respect the privacy rights of our users and are strongly committed to protecting your privacy online. This privacy policy applies to information collected through www.interbankchina.com and does not apply to any other products or services or to information collected in any other way (whether offline or online), by INTERBANKCHINA.

Information We Collect or a designated service provider collects information through the Sites, such as during registration, or when you request certain services or products or submit information to enter a sweepstakes, contest, or other promotion, or complete a survey or poll. This information includes personal information such as name, phone number, and e-mail address. INTERBANKCHINA or a designated service provider may use “cookies,” server logs, or other electronic tools to collect information about you, such as your IP address, browser type, language, operating system, computer platform, and the state or country from which you accessed the Sites. INTERBANKCHINA or a designated service provider may also use cookies, server logs, or other electronic tools to collect and compile statistical and other information about your use of the Sites and the services provided on the Sites, such as the web pages visited, the date and the time of your visit, the web sites you visited immediately before and after visiting the Sites, the number of links you click within the Sites, the functions you use on the Sites, the databases you view and the searches you request on the Sites, the data you save on or download from the Sites, etc. A cookie is small text file placed on your computer. Most browsers are set to accept cookies by default. If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent. The help function on most browsers contains instructions on how to set your browser to notify you before accepting cookies or to disable cookies entirely. However, note that most parts of the Sites will not function properly if you disable cookies.

How We Use and Disclose Your Information
INTERBANKCHINA uses the information collected through the Sites, including personal information and information about your use of the Sites, to enhance your experience with the Sites, save your preferences and login information, analyze website usage, analyze use of the Sites,communicate with you, provide you with services or products that you request, enforce any terms of service of the Sites, and enforce any restrictions or limitations on the use of the services or products on the Sites. INTERBANKCHINA may also use the information collected through the Sites to provide special offers and promotions. You may instruct INTERBANKCHINA at any time not to use your personal information collected through the Sites to provide you with special offers or promotions by contacting

INTERBANKCHINA may disclose your information to our affiliates and to the party who authorized your use of the Sites, such as your employer. Certain information you provide on the Sites, including as part of your registration on the Sites, may be made available to other users of the Sites as part of the services available on the Sites. INTERBANKCHINA may disclose to other third parties, including other users of the Sites, information about your use of the Sites and the services provided on the Sites, but only in an aggregated and unattributed manner. INTERBANKCHINA may also share your personal information collected through the Sites with a sponsor or other third party that is interested in serving you ("Third-Party Providers"). You may instruct INTERBANKCHINA at any time not to share your personal information with such Third-Party Providers by contacting support@ interbankchina.com.

Please note that it may take some time to process your request, consistent with applicable law. Further use and/or disclosure of your information by Third Party Providers is not the responsibility of INTERBANKCHINA Rather, such use and/or disclosure is governed by the Third-Party Providers' privacy policies. INTERBANKCHINA may also disclose your information to unaffiliated third parties if we believe in good faith that such disclosure isnecessary: (a) to comply with the law or in response to a subpoena, court order, government request, or other legal process; (b) to protect the interests, rights, safety, or property of the INTERBANKCHINA; (c) to enforce any terms of service on the Sites; (d) to provide you with the services or products requested by you (including allowing a purchaser of INTERBANKCHINA to continue to serve you), and to perform other activities related to such services and products,including billing and collection; (e) to provide you with information, special offers, or promotions from INTERBANKCHINA to which you consented; and (f) to operate INTERBANKCHINA 's systems properly. INTERBANKCHINA makes reasonable efforts to limit its designated service providers' disclosure of your personal information in the same manner as set forth in this paragraph.

Accuracy and Security of Personal Information
Any of your personal information collected by INTERBANKCHINA through the Sites is kept on secure servers. INTERBANKCHINA uses reasonable administrative, technical, personnel, and physical measures to protect your personal information on such servers. To help us protect your privacy, you should maintain the secrecy of the username and password you set up in connection with your participation in the Sites’ services.

Public Records
Certain databases available to registered users of the Sites may contain personal information received from third-party data suppliers. This personal information is contained in public records, publicly available information, and non-public information (collectively, “public records information”). Your use of this information is restricted to specific, legitimate purposes, and such information may not be used to violate any applicable laws, rules, or regulations.

Accessing and Updating Your Personal Information
To access, review, rectify, or delete personal information collected about you through the Sites, please contact us at support@interbankchina.com or please use your username and password to access the webpage on the Sites designated for this purpose. All requests must include the following information: first name, last name, and e-mail address. While INTERBANKCHINA will make reasonable efforts to accommodate your request, we also reserve the right to impose certain restrictions and requirements on such access requests, if allowed or required by applicable laws.If you wish to access, review, rectify, or delete personal information about you contained in public records information, you will need to contact the third-party supplier of the information directly. If you have any questions regarding public records information on the Sites, please contact us at support@INTERBANKCHINA.com.

Transfer of Personal Information To Other Countries
Some of the uses and disclosures mentioned in this privacy policy may involve the transfer of your personal information to various countries around the world that may have different levels of privacy protection than your country. By submitting your personal information through the Sites, you consent to such transfers.

Links To Third-Party Web Sites
INTERBANKCHINA may provide links to third-party web sites. Since we do not control third-party sites and are not responsible for any information you may provide while on such sites, we encourage you to read the privacy policies on those web sites before providing any of your information on such sites.

Questions Regarding This Privacy Policy
If you have questions regarding this privacy policy, please contact us at support@interbankchina.com.

Modifications To This Privacy Policy
INTERBANKCHINA reserves the right to change this privacy policy at any time by posting revisions on this web page. Such changes will be effective upon posting. Last Updated: April 24, 2018