Savings Agreement

ZBG

The Savings Service Agreement (hereinafter referred to as this “Agreement”) is a supplement to the User Agreement of ZBG.io（www.zbg.io） (hereinafter referred to as “the Website”) and is applicable to the savings service of this website and ZBG APP. The User Agreement and other terms of this website is also applicable to all users. Please read and thoroughly understand this agreement before proceeding further operation in this website. Proceeding the further operation in this website or use margin trading or savings service are deemed to that you have read, understood and agreed to this agreement. This Agreement may be modified, altered or updated by this Website at any time without prior notice to you. You should check frequently to confirm that your understanding of this Agreement is timely and accurate. After any effective date of any modification, change or update, if you continue to use any of the services on this website, you are deemed to have accepted the new, modified or updated agreement

1. By clicking on the "Read and Agree" button in the section of Savings Service Agreement (hereinafter referred to as "this Agreement") on this Website, you indicate that you have fully accepted the terms and conditions of this Agreement.

2. Your saving action on this Website are voluntary transaction conducted by you at your discretion on the basis of your own financial situation and a thorough understanding of the relevant risks, and do not implicate this Website or any third person in any manner whatsoever.

3. If you engage in Savings on this Website, you may receive significant return on your investment, and may also be subject to considerable investment risks. In order to help you better understand the risks, you are hereby warned against the risks associated with margin transactions, in accordance with applicable laws, regulations, administrative ordinances and relevant state policies, and please read the following risk warning carefully. Your savings on this Website include but are not limited to：

3.1 Inherent Risks of Digital Assets: the digital assets market is new and unconfirmed, and does not necessarily grow. At present, digital assets are mainly used by speculators in large quantities, and are used less on retail and commercial markets; therefore, the price of digital assets is volatile, and thus may have a negative impact on investments in digital assets. In addition, different from the stock market, the digital assets market does not have a "limit up-limit down" mechanism, and is open for trading around the clock. As bargaining chips of digital assets are relatively fewer, the price of digital assets may be subject to major fluctuations caused by market-makers’ control and global government policies, and may even rise or drop by several times within one day. In view of this, any and all financial losses attributable to the digital assets themselves shall be borne solely by you.

3.2 Policy Risks: trading in digital assets may be suspended or prohibited at any time due to the adoption or modification of any applicable law, regulation and regulatory document in relevant countries. Any and all financial losses that may arise when trading in digital assets is suspended or prohibited due to the adoption or modification of any law, administrative regulation or regulatory document in a relevant country shall be borne by you exclusively

3.3 Risks Relating to The Internet and Technology: this Website cannot guarantee that all the information, programs, texts, etc. contained in this Website are completely safe, and free from the interference and destruction by any malicious programs, such as viruses, Trojans, etc.; therefore, your log onto this Website, your use of any service offered by this Website, or download of any program, information, data, etc. of this Website, and your use of such downloaded program, information, data, etc, are your personal decisions and therefore you shall exclusively bear all possible risks and losses that may arise due to such decisions. The use of Internet-based trading systems also carries risks, including but not limited to failures in software, hardware and Internet access. As this Website cannot control the reliability and availability of the Internet, this Website will not be held liable for any distortion, delay and access failure in any way whatsoever

3.4 Risks Relating to Force Majeure: where this Website is unable to provide the Service or has to delay the Service due to information network equipment maintenance, information network connection failures, errors in computers, communication systems or other systems, power failures, attacks, the weather, accidents, strikes, labour disputes, violent upheavals, uprisings, riots, lack of productivity or production materials, fires, floods, storms, explosions, wars, reasons on the part of banks or any other partners, the collapse of the digital assets market, government actions, orders of judicial or administrative authorities, other acts that are beyond the control by this Website, or over which this Website does not have the ability to control, or any reasons on the part of any third party, and therefore causes damages to you, this Website shall not be held liable in any way whatsoever

3.5 Market Information Risks. This Website does not guarantee the correctness or applicability of relevant trading analyses, market analyses, etc.; this Website cannot control the information or advice that you have received or will receive from the intermediaries or any other agency or employee thereof, nor does this Website support or guarantee the accuracy or integrity of such information or advice in connection with trading; all the risks that may arise due to such analyses, information, advice shall be borne exclusively by you, without implicating this Website in any manner whatsoever

3.6 Risks Relating to Seizure and Freezing. Where a competent authority, by presenting relevant investigation warrants, requires this Website to cooperate with any investigation into your account with this Website, or seal up, freeze or transfer of such account, this Website will provide necessary assistance to such authority by providing to it your corresponding data in accordance with the requirements of such authority, or by carrying out the corresponding operations; in this case, this Website shall not be held liable for any disclosure of your privacy, the inoperability of your account, or losses, etc., that may arise consequently

3.7 Market Risk. The savings income is closely related to the market, almost all investment are affected by the market, such as economic situation or changes of the international economic situation. All economic losses caused by market risk shall be borne by yourself, This website does not assume any responsibility for the losses

3.8 Credit Risks. There might be default risk from the borrower. The imperfect social credit environment, the immature customer financial behavior and the low default cost of the borrower may lead to the related credit risk. This website does not assume any responsibility for the losses caused by credit risks of the borrower

3.9 Liquidity Risks. When the savings users need money in an emergency, they may face the risk of not being able to withdrawal their funds in advance. In particular, the investment with fixed interest rate and fixed investment period, it is not easy to withdrawal the investment during this period. Even if it can be taken out, the previous accrued income may not be paid. It is suggested that investors should keep enough emergency funds before investing. All economic losses caused by liquidity risks shall be borne by yourself, This website does not assume any responsibility for the losses

3.10 Other Risks: Losses caused by your mistakes such as lost account, forgot password, improper operation, made wrong investment decision; losses caused by your authorized person’s malicious operation to your account; Losses caused by your authorized person’s savings action in your account; other accidents and losses not caused by the website; the above losses will be borne by yourself, This website does not assume any responsibility for the losses

3.11 Special Reminder: if you participate in the savings on this Website, you shall properly control the risks, assess the value and risks of investment in digital assets at your own discretion, and bear the financial risks that all your investment may be lost. You shall trade base on your own financial conditions and risk-bearing capacity, and clearly recognize the risks of digital assets investment. If you invest in digital assets, there is the possibility that you may obtain profits, as well as you may sustain losses. Risk warnings in this Agreement does not disclose all risks relating to savings in connection with digital assets. You are advised to have a clear understanding of this fact and be aware that the market is subject to risks and therefore prudent investment is recommended

4. Savings involve significant risks. This Website may not be held legally liable for the risk that savings may have unstable returns due to server gateway bottleneck, unstable access to the Website.

5.The flexible savings users can deposit and withdraw the saving funds at any time, and the funds will be credited in the account in real-time.

6. The locked savings users cannot deposit and withdraw the saving funds at any time. After you deposit, the margin you deposited will be temporarily frozen,until the end of the closed period. Your profits and margin will be released the day after the end of the closed period.

7.The flexible savings will calculate daily interest. The first day that users deposit funds to Savings Account will not calculate interest. The savings interest is calculated on the second day, and credited to Savings account on the third day, and the interest will also be calculated interest. There are no interest will be calculated on the day of users withdraw funds from the Savings account.

8.There are limits for the savings deposit and withdrawal of single person and single currency, please refer to Savings limits for details.

9.The flexible savings interest of the previous day will be distributed in the early morning of each day, and the daily rate of return = Today's total interest/The amount of all users' savings funds. The seven-day annualized return is the return of the last seven days divided by 7 and times 365.

10. This Agreement shall, as an integral part of the User Agreement, have the same legal effect as the latter.

11. Any and all matters not covered by this Agreement shall be subject to the User Agreement on a mutatis mutandis basis.

12. ZBG.io reserves right of final interpretation of this Agreement.