DISCLAIMER:

This Presentation has been developed and is being produced solely as an educational tool compiled to support current and potential Kraken customers in understanding the services and products available through Kraken.

Although this Presentation describes certain measures that may improve the security of customers’ Kraken accounts, nothing herein is intended nor should be construed to create an express or implied warranty of any kind by Payward, Inc. and its affiliates (collectively, “Payward”) d/b/a Kraken. Each Kraken customer is independently responsible for restricting access to his/her/its own Kraken account and accepts all risks of authorized or unauthorized access to their Kraken account to the maximum extent permitted by law.

All references and links to third-party websites (“Third-Party Sites”) are for convenience and informational purposes only. Payward is not responsible for any content, goods or services available on or through any Third-Party Sites and the inclusion of any reference or link does not imply endorsement, approval or recommendation by Payward.

Please take note of the following guidelines for participation in the presentation:

• The presentation will be interactive in a limited manner designed to protect your privacy.
• Chat will not be active during the presentation.
• The Q & A function in Zoom will only be enabled to permit questions submitted to be seen by the hosts of the presentation.
• Questions will be handled live by the presenters in accordance with our User Content Guidelines to the extent applicable (see Schedule 1 attached hereto).
• Alternatively, if you have any questions that you would like answered live during the session, you may pose your question by forwarding this email to support@kraken.com.
• Please DO NOT REPLY TO THIS MESSAGE, as it goes to an unmonitored "no-reply" email address.
• For your own privacy and security, do not discuss any matters related to your Kraken account(s) (including open Kraken support tickets) during the Q & A Session of this presentation; only discuss such issues directly with our Kraken support team.
• You may be asked to participate in a follow-up survey after the presentation; we thank you in advance for your participation. Your input will enable us to finalize this presentation and produce future presentations that are the most effective and helpful to you and other Kraken clients.
• The presentation has been developed and is being produced solely as an educational tool and is not intended to nor should it be interpreted to provide investment advice or serve as a solicitation for the purchase, sale or holding of any cryptocurrency. (see Educational Purposes Only Disclaimer attached as Schedule 2 hereto).

Please review our full terms of service for Kraken.com here: https://www.kraken.com/legal

Please review the full terms of service for Cryptwat.ch here: https://cryptowat.ch/about/terms

Kraken Futures is a trading name of Payward Brokers PTE. Ltd. (a company incorporated in Singapore with registered number 201917834G and registered address at 8 Temasek Boulevard, #15-04, Suntec Tower Three, Singapore 038988) and Payward Global Trading Pte. Ltd. (a company incorporated in Singapore with registered number 201913551K and registered address at 8 Temasek Boulevard, #15-04, Suntec Tower Three, Singapore 038988), both Payward Group entities (known as Kraken). Clients that have agreed to terms and conditions of Payward Brokers PTE. Ltd. will access the platform operated by Crypto Facilities via Payward Brokers PTE. Ltd. and/or Payward Global Trading. 
PLEASE NOTE THAT KRAKEN FUTURES IS ONLY AVAILABLE TO RESIDENTS OF CERTAIN JURISDICTIONS. KRAKEN FUTURES IS NOT CURRENTLY AVAILABLE TO U.S. RESIDENTS AND RESIDENTS OF CERTAIN OTHER JURISDICTIONS.

Schedule 1

User Content Guidelines

The following terms apply to content submitted by you: The Presentation may contain comments sections, discussion forums, or other interactive features (“Interactive Areas”) in which you may post or upload user-generated content, comments, video, photos, messages, other materials or items (collectively, “User Content”). You are solely responsible for your use of any Interactive Areas and you use them at your own risk. Interactive Areas are available for individuals aged 18 years or older. By submitting User Content to an Interactive Area, you represent that you are 18 years of age or older.

By submitting any User Content or participating in an Interactive Area within or in connection with the Presentation, you agree that you will not upload, post or otherwise transmit any User Content that (a) violates or infringes in any way upon the rights of others, including any statements which may defame, harass, stalk or threaten others; (b) you know to be false, misleading or inaccurate; (c) contains blatant expressions of bigotry, racism, racially or ethnically offensive content, hate speech, abusiveness, vulgarity or profanity; (d) contains or advocates pornography or sexually explicit content, pedophilia, incest, bestiality, or that is otherwise obscene or lewd; (e) violates any law or advocates or provides instruction on dangerous, illegal, or predatory acts, or discusses illegal activities with the intent to commit them; (f) advocates violent behavior; (g) poses a reasonable threat to personal or public safety; (h) contains violent images of killing or physical abuse that appear to have been captured solely, or principally, for exploitative, prurient, or gratuitous purposes; (i) is protected by copyright, trademark, trade secret, right of publicity or other proprietary right without the express permission of the owner of such copyright, trademark, trade secret, right of publicity or other proprietary right. The burden of determining that any User Content is not protected by copyright, trademark, trade secret, right of publicity or other proprietary right rests with you. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, trade secrets, rights of publicity or other proprietary rights or any other harm resulting from such a submission. Any person determined by Payward, Inc., in its sole discretion, to have violated the intellectual property or other rights of others shall be barred from submitting or posting any further material in any Interactive Area associated with the Presentation; (j) does not generally pertain to the designated topic or theme of any Interactive Area; (k) contains any unsolicited or unauthorized advertising or promotional materials with respect to products or services, “junk mail”, “spam”, “chain letters”, “pyramid schemes”, or any other form of solicitation; or (l) uses the name or likeness of an identifiable natural person without such person’s consent. The burden of determining that any User Content is not protected by copyright, trademark, trade secret, right of publicity or other proprietary right rests with you. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, trade secrets, rights of publicity or other proprietary rights or any other harm resulting from such a submission. Any person determined by Payward, Inc., in its sole discretion, to have violated the intellectual property or other rights of others shall be barred from submitting or posting any further material in connection with the Presentation.

You agree not to upload, post or otherwise transmit any User Content, software or other materials which contain a virus or other harmful or disruptive component.

You agree not to use any technology, service or automated system to post more User Content than an individual could upload in a given period of time. You also agree not to direct any third party to use these services, technologies or automated systems on your behalf.  Any conduct that we, in our sole discretion, believe restricts or inhibits anyone else from using or enjoying the Presentation will not be permitted. We reserve the right, in our sole discretion, to remove or edit User Content submitted by you.

We are not responsible for the accuracy or credibility of any User Content, and do not take any responsibility or assume any liability for any actions you may take as a result of reading User Content posted in connection with the Presentation. Through your use of Interactive Areas, you may be exposed to content that you may find offensive, objectionable, harmful, inaccurate or deceptive. There may also be risks of dealing with underage persons, people acting under false pretense, international trade issues and foreign nationals. By using Interactive Areas, you assume all associated risks. We have the right, but not the obligation, to monitor User Content posted or uploaded to determine compliance with these Terms and any operating rules established by us and to satisfy any law, regulation or authorized government request. Although we have no obligation to monitor, screen, edit or remove any of the User Content posted or uploaded, we reserve the right, and have absolute discretion, to screen, edit, refuse to post or remove without notice any User Content posted or uploaded at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content posted at your sole cost and expense. The decision by Payward, Inc. to monitor and/or modify User Content does not constitute nor shall it be deemed to constitute any responsibility or liability in any manner on our part in connection with or arising from your use of Interactive Areas related to the Presentation.

By submitting User Content, you automatically grant Payward, Inc. and its affiliates a royalty-free, perpetual, irrevocable, non-exclusive, worldwide right and license to use, publish, reproduce, modify, adapt, edit, translate, create derivative works from, incorporate into other works, distribute, sublicense (through multiple tiers) and otherwise exploit such User Content (in whole or in part) in any form, media or technology now known or hereafter developed, without payment to you or to any third parties. Additionally, to the fullest extent permitted under applicable law, you waive your moral rights in the User Content and agree not to assert such rights against us. You represent and warrant to us that you have the full legal right, power and authority to grant to us the license provided for herein, that you own or control the complete exhibition and other rights to the User Content you submitted for the purposes contemplated in this license and that neither the User Content nor the exercise of the rights granted herein shall violate these Terms, or infringe upon any rights, including the right of privacy or right of publicity, or constitute a libel or slander against, or violate any common law or any other right of, or cause injury to, any person or entity. You further grant to us the right, but not the obligation, to pursue at law any person or entity that violates your or our rights in the User Content by a breach of these Terms.

Schedule 2

Educational Purposes Only Disclaimer

Payward, Inc. and its affiliates  (collectively “Payward”) d/b/a Kraken operate a cryptocurrency exchange at https://www.kraken.com  and offer certain complementary products and services through related sites and mobile apps (the “Kraken Platform”). The information contained in this Presentation regarding the services and products available on the Kraken Platform neither constitutes an offer for nor a solicitation of interest in any cryptocurrency or securities offering. No money or other consideration is being solicited through this Presentation. Participating in this Presentation and/or viewing it neither constitutes an indication of interest in any offering nor involves any obligation or commitment of any kind. Nothing in this Presentation is a recommendation that any person or entity purchase, sell or hold any cryptocurrency or that any purchase, sale or trading style or strategy be pursued. 

This Presentation is solely intended for use as an educational tool compiled to support Kraken customers and those who may be interested in becoming Kraken customers in understanding the services and products available to them. Payward makes no warranty or representation as to the accuracy, completeness or reliability of this information. Please be advised that this Presentation may contain errors, is subject to revision as all times and should not be relied upon for any particular purpose. Under no circumstances will Payward be liable to any person or entity for damage stemming from the use or misuse of all or any of portion of this Presentation.

Purchasing and trading in cryptocurrency is a decision that should only be made in consideration of individual facts and circumstances and after consultation with a person’s (or entity’s) own financial (investment and accounting), legal and tax advisors. This Presentation is not intended to provide nor should it be construed to provide investment, accounting, tax or legal advice.

Examples (including screenshots of charts etc. from the Kraken Platform) used in this Presentation are for informational purposes only. Each example is a work of fiction for illustrative purposes and does not reflect the financial situation of any specific Kraken customer or potential Kraken customer. Examples used in this Presentation that indicate trading activity results are for information purposes only and do not constitute investment advice. Actual results may be different for each Kraken customer and there can be no guarantee of enhanced returns due to trading on the Kraken Exchange or the use of Kraken Platform services or products.

All investing is risky, and no investor should decide to commit funds without first consulting with a competent professional adviser. Some or all invested funds can be lost. The past performance of any investment, investment strategy or investment style is not indicative of future performance. Future results may vary, and are not guaranteed. The value of investments and their income may increase or decrease, and a loss of principal – including all principal – may occur.

Schedule 3

Restrictions on Use of Our Content. 

The content contained in this Presentation (collectively, “Content“), such as logos, artwork, text and graphics, widgets, icons, images, audio and video clips, digital downloads, data compilations, and software, is the property of Payward, Inc. or the property of our licensors or licensees, and the compilation of the Content in this Presentation is the exclusive property of Payward, Inc. and protected by United States and international copyright laws, treaties and conventions. All software used in the Presentation is also the property of Payward, Inc. or the property of our software suppliers and protected by United States and international copyright laws, treaties and conventions.

Any and all logos, service marks, page headers, graphics, trademarks, service marks, widgets, icons, scripts and trade names (each, a “Mark“) contained in this Presentation are proprietary to Payward, Inc. or our licensors or licensees. Permission is NOT granted to us any of the Marks in connection with any product or service that is not ours or, in any manner that is likely to cause confusion among users or that disparages or discredits us or anyone else. If you see any other Marks not owned by Payward, Inc. that appear in this Presentation, such are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

We grant you a limited license to access and make personal use of the Presentation. No Content of the Presentation or any other Internet site owned, operated, licensed, or controlled by us may be copied, reproduced, republished, downloaded (other than page caching), uploaded, posted, transmitted or distributed in any way, or sold, resold, visited, or otherwise exploited for any commercial purpose, except that you may download one (1) copy of the Content that we make available to you for such purposes on a single computer for your personal, noncommercial, home use only, provided that you: (a) keep intact all copyright, trademark and other proprietary rights notices; (b) do not modify any of the Content; and (c) do not use any Content in a manner that suggests an association with any of our products, services or brands. Your use of any Content on any other website or computer environment is strictly prohibited.

The license granted to you does not include, and specifically excludes, any rights to: resell or make any commercial use of the Presentation or any Content; collect and use any product listings, descriptions, or prices; make any derivative use of the Presentation or Content; download or copy any Mark or Content for the benefit of anyone else; or use any form of data mining, robots, or similar data gathering and extraction tools. You may not frame, or utilize framing techniques to enclose, any Mark, Content or other proprietary information, or use any meta tags or any other “hidden text” utilizing any such intellectual property, without our and each applicable owner’s express written consent. Any unauthorized use automatically terminates the license granted to you hereunder.