Risk Disclosure

H2 Finance (“Protocol”) is a set of smart contracts made available by H2 Finance on a voluntary, “as-is” and “as-available” basis. It is not a service of any kind and you should not rely on H2 Finance to assist you to evaluate the Protocol, assess its fitness for any purpose or comply with any requirements. You assume all risks arising from interactions with the Protocol. H2 Finance is not liable for any claim, damages or other liability, whether in contract, tort or under any other theory of liability, arising from, out of or in connection with the Protocol.

There are several risks when using the Protocol. These risks include inherent risks associated with the use of a virtual platform, the decentralized nature of the platform, and participating in virtual asset transactions. Risks include, without limitation:

• Partial or total loss of virtual assets;

• Collapse in liquidity with respect to virtual assets; changes incompatibility of a virtual asset with the Protocol, changes in the smart contracts;

• Regulatory uncertainty and government action against virtual assets;

• Extreme volatility;

• Possibility of market misconduct by participants including for example market manipulation, trading on the basis of non-public information, and front running;

• Delays in or complete failure of virtual asset transactions being confirmed;

• Counterparty risk;

• Faults, defects, hacks, exploits, errors, or unforeseen circumstances occurring in respect of the platform or the technologies that the platform depends on;

• Loss of private keys;

• and Attacks on the platform or the technologies that the platform depends on including for example distributed denial of service, sybil attacks, phishing, social engineering, hacking, smurfing, malware, double spending, majority-mining, consensus-based or other mining attacks, misinformation campaigns, forks, and spoofing.

This list of potential risks is not exhaustive and is not intended to capture the extent of all possible risks. In the event of any of the above occurring, you may lose your virtual assets entirely. Participants should consider all of the above and assess the nature of, and their own appetite for relevant risks independently and consult their advisers before making any decisions in participating in the Protocol. USERS WILL BE RESPONSIBLE FOR THEIR OWN RISK.