Risk Disclosure Policy

RISK DISCLOSURE STATEMENT

1. DISCLAIMER:

1.1 Please consider information in this Risk Disclosure Statement (“Statement”) as a general overview of investments risks made for your awareness only. We do not intend to provide investment or legal advice through this Statement and make no representation that the investments or services described herein are suitable for you or that information contained herein is reliable, accurate or complete.

1.2 We do not guarantee or make any representations or assume any liability regarding financial results based on the use of the information in this Statement and further do not advise to rely on such information in the process of making a fully informed investment decision.

1.3 The risks outlined in this statement are not exhaustive. This Statement only describes the general nature of the risks involved with trading Virtual Assets (‘VA’). The intention of this statement is just to outline the risks, and not to discuss in detail all the risks associated with holding or trading VA.

1.4 Clients should undertake their own assessment as to the suitability of trading in VA or Stable coins based on their own investigations, research and based on their experience, financial resources, and objectives. At the further outset, investment in securities involves certain considerations and a high degree of risk:

1.4.1 You should not deal in designated investments unless you understand their nature and the extent of your exposure to risk.

1.4.2 Not all investments are suitable or appropriate for all investors. You should make sure that your chosen investment is appropriate and suitable for you.

1.4.3 Before committing to any specific type of designated investment, you should understand the nature and risks associated with that type of investment.

1.4.4 In case a designated investment is composed of two or more different designated investments or services, the associated risks are likely to be greater than the risks associated with any of the components. Whilst we cannot disclose all possible risks or significant aspects regarding individual designated investments, you should note the risks mentioned in this Statement.

1.5 Trading cryptocurrencies involves significant risk and can result in the loss of your capital. You should not invest more than you can afford to lose, and you should ensure that you fully understand the risks involved. Before trading, please take into consideration your level of experience, and investment objectives, and seek independent financial advice if necessary. It is your responsibility to ascertain whether you are permitted to use the services of OFZA based on the legal requirements in your country of residence.

1.6 You should be aware of all the material risks associated with VAs in accordance with VARA regulations: Note that VAs—

(a) may lose their value in part or in full and are subject to extreme volatility at times.

(b) may not always be transferable, and some transfers may be irreversible.

(d) some transactions are not private and may be recorded on public DLTs; and

(e)may be subject to fraud, manipulation, and theft, including through hacks and other targeted schemes, and may not benefit from legal protections.

1.7 For the purpose of this Statement “you”, and “your” mean the Client and “we”, “us”, “our” “OFZA” mean OFZA FINTECH VIRTUAL ASSET EXCHANGE SERVICES L.L.C.

1.8 Clients are strongly advised to read this Risk Disclosure Statement carefully before deciding to start trading on the platform.

2. Virtual Assets Risk Disclosures

The following are the major risk disclosures:

(a) VA not being legal tender or backed by a government;

(b) the value, or process for valuation, of VA, including the risk of a VA having no value;

(d) that trading in VA may be susceptible to irrational market forces;

(e) VA may lose their value in part or in full and are subject to extreme volatility at times;

(f) VA may not always be transferable and some transfers may be irreversible;

(g) VA may not be liquid; not state or imply that investment decisions are trivial, simple, or easy;

(h) that the nature of VA may lead to an increased risk of Financial Crime;

(i) that the nature of VA may lead to an increased risk of cyber-attack;

(j) there being limited or, in some cases, no mechanism for the recovery of lost or stolen VA;

(k) the risks of VA being transacted via new technologies, (including distributed ledger technologies ('DLT')) with regard to, among other things, anonymity, irreversibility of transactions, accidental transactions, transaction recording, and settlement;

(l) that there is no assurance that a person who accepts a VA as payment today will continue to do so in the future; not state or imply that past performance of investments guarantees,

(m) that the nature of VA means that technological difficulties experienced by OFZA may prevent the access or use of a Client's VA;

(n) any links to VA related activity outside the Emirate of Dubai, which may be unregulated or subject to limited regulation; and

(o) any regulatory changes or actions by the VARA or other Regulator that may adversely affect the use, transfer, exchange, and value of a VA;

3. Transparency and Disclosure

3.1 OFZA is fully committed to ensuring transparency and fair disclosures in compliance with VARA rulebooks and regulations. As of January 23rd, 2026, OFZA hereby confirms that no member of its Senior Management or Board has faced any convictions or prosecutions in the UAE or other jurisdictions.

3.2 OFZA is dedicated to maintaining the highest standards of honesty and integrity, safeguarding the trust of its clients.

4. Responsible Individuals

4.1 Amir Tabch– Chief Executive Officer

4.2 Mohamed Shebil Ismail – Compliance Officer and MLRO

5. DISCLOSURES

5.1 The Risk Disclosure Statement addresses the risks that are associated with trading and transacting in VA. Risks related to the Services, VA, and Accepted VA and Stable-coin.

5.2 RISK OF LOSS IN TRADING VA CAN BE SUBSTANTIAL AND YOU SHOULD, THEREFORE, CAREFULLY CONSIDER WHETHER SUCH TRADING IS APPROPRIATE FOR YOU IN LIGHT OF YOUR CIRCUMSTANCES AND FINANCIAL RESOURCES. YOU SHOULD BE AWARE OF THE FOLLOWING:

5.2.1 VA are not Legal Tender:

Most VA are not backed by any central government or legal tender, meaning each country has different standards. There is no assurance that a person who accepts a Virtual Asset as payment today will continue to do so in the future. Holders of VA put their trust in a digital, decentralized and partially anonymous system that relies on peer- to- peer networking and cryptography to maintain its integrity, and neither vendors nor individuals have an obligation to accept VA as payment in the future.

5.2.2 Loss of Value, Volatility and Uncertainty of Future Performance:

There is limited or no fundamental reasoning behind the pricing of VA, creating the risk of volatility and unpredictability in the price of VA relative to Fiat Currencies. VA have had historically higher price volatility than Fiat Currencies with no or limited tangible underlying for price reference, allowing irrational and exorbitant moves in price as the process for valuation is speculative and uncertain.

5.2.3 Market Forces

Trading in VA may be susceptible to irrational market forces, such as speculative bubbles, manipulation, scams, and fraud. Virtual Asset markets are highly susceptible to speculative bubbles driven by hype, misinformation, or uncoordinated trading activity, which can lead to extreme price volatility and potential financial losses. Such market behaviour may be exacerbated by manipulation tactics, including pump-and-dump schemes, spoofing, or wash trading, which are prohibited under VARA’s Market Conduct Rulebook. OFZA employs robust surveillance and compliance measures to detect and prevent such activities. However, clients must acknowledge that these market forces, often beyond OFZA’s control, can significantly impact the value and liquidity of your VA.

OFZA is committed to maintaining a secure and compliant trading environment but cannot eliminate the inherent risks of irrational market forces.

5.2.4 Financial Crime Risk

The digital nature of the Virtual Asset ecosystem increases exposure to financial crime, including fraud, theft, and misuse of funds. Criminal actors may exploit weaknesses in governance structures, exploit anonymity, or attempt to circumvent AML/CFT controls through the use of VA. Examples include the use of fake or hijacked wallet addresses, phishing attacks, ransomware attacks, stolen funds, AI-driven fraud (e.g. synthetic identities, bots) and fraudulent schemes designed to misdirect client assets,

Clients must exercise caution in safeguarding their credentials, verifying wallet addresses, and ensuring that all counterparties are legitimate before transacting. OFZA enforces strict AML/CFT protocols, real-time wallet screening, name screening, travel rule checks, and risk-based transaction monitoring, market trade surveillance procedures to mitigate these risks.

5.2.5 Cybersecurity Risk

As the Virtual Asset ecosystem is entirely digital, there is an inherently heightened risk of cyber-attacks targeting both the exchange and its clients. Risks include malware infections, denial-of-service attacks, and blockchain-specific vulnerabilities such as a “51% attack,” whereby attackers controlling a majority of mining hash power could disrupt block creation, alter transaction histories, or misappropriate funds. Clients are also vulnerable to password compromises, malware, and fake software downloads that may result in loss of assets.

OFZA mitigates these risks through layered cybersecurity defenses, continuous monitoring, penetration testing, and robust incident response protocols. Clients are strongly advised to follow best practices, including the use of strong passwords, multi-factor authentication, and verification of URLs before engaging in transactions. Further details regarding how OFZA safeguards client information and data privacy can be found in the OFZA Privacy Policy, which forms an integral part of our client protection framework.

5.2.6 Availability of VA

OFZA makes no guarantee to the availability or time of providing clients with the ability to sell or purchase VA on the platform. The availability of VA is outside of OFZA control and is dependent and counterparties be willing to sell the desired virtual asset and vice versa. VA are required to be approved by the Regulated Authority for trading on the Platform. Such approval may be withdrawn at any time. Any Virtual Asset may be delisted at any time without any notice or consent. Similarly, any new Virtual Asset arising from a hard fork or similar changes to a Virtual Asset's protocols will require approval by the Regulator prior to being traded on the Platform. OFZA remains committed to compliance and transparency but cannot control or predict regulatory decisions affecting VA availability.

5.2.7 Technology Risk

The risks of VA being transacted via new technologies, (including distributed ledger technologies (‘DLT’) with regard to, among other things, anonymity, irreversibility of transactions, accidental transactions, transaction recording and settlement. Transactions in VA on the blockchain relies on the proper functioning of complex software, which exacerbates the risk of access to or use of VA being impaired or prevented.

Potential issues include software bugs, cyber-attacks, network outages, or scalability limitations, which could delay or prevent transaction execution, asset access, or settlement, however OFZA is committed to maintaining secure and reliable systems in line with VARA’s standards but cannot eliminate the inherent technological risks of Virtual Asset markets as no system is entirely immune to technological failures or any software risks that’s beyond OFZA control.

Failing to acknowledge this can prevent Clients from using/accessing VAs. Clients are responsible for understanding these risks, safeguarding their account credentials, and ensuring accurate transaction inputs, as errors (e.g., sending assets to an incorrect address) may be irreversible.

5.2.8 Custody Risk

OFZA may hold clients’ Fiat Currencies and VA with duly contracted banks, custodians, or wallet infrastructure providers after completing required due diligence checks, evaluation and regulatory notifications. Clients are advised that VA held with OFZA are not deposits and are not intended to constitute traditional financial instruments under Applicable Laws and Regulations. Client fiat is transferred into designated client accounts with licensed banking institutions within 24 hours of receipt in compliance with VARA Compliance and Risk Management rulebook. Where assets are held in jurisdictions outside Dubai, settlement practices, segregation standards, and legal protections may differ from those in Dubai. In the event of the insolvency of a third-party holding client asset, OFZA may only have an unsecured claim on behalf of clients. This exposes clients to the risk that assets returned may be insufficient to satisfy their claims in full.

Client assets may also be pooled with those of other clients in omnibus accounts or wallets. In the event of a shortfall, all affected clients will share proportionately in such losses, as well as in any entitlements or benefits. Third-party custodians, sub-custodians, or wallet providers appointed in good faith are not under the direct control of OFZA. Accordingly, OFZA does not accept liability for losses arising from a default or failure of such third parties. Unless otherwise specified, clients’ VA are maintained in segregated omnibus wallets under OFZA’s control, managed through regulated wallet infrastructure providers, with robust safeguarding measures designed to protect client ownership rights. OFZA also applies strict data protection and confidentiality standards as outlined in the Privacy Policy, ensuring that personal and transactional data relating to custody arrangements are handled securely and in compliance with applicable laws.

5.2.9 Counterparty Risks

Using OFZA’s services may expose clients to counterparty risks in different facets. Such risks may arise, but are not limited to, situations where market makers, liquidity providers, custodians, trading venues, or technology infrastructure providers encounter financial, operational, or technical difficulties. These challenges may induce slippage, delay the execution of trades, or impair access to assets. Similarly, disputes or disruptions involving payment processors may result in delays in processing deposits or withdrawals, while borrower defaults in certain products may affect the timely redemption of client funds. Although OFZA conducts initial and periodic due diligence on its counterparties, such reviews are inherently limited and cannot eliminate all risks. In the event of insolvency, regulatory intervention, cyberattack, operational failure, or misconduct by a counterparty, may lead to various consequences, including but not limited to incomplete transactions, increased or unrecoverable trading costs, delays in accessing funds, loss of profits, or the inability to acquire or dispose of assets at the desired time or price.

5.2.10 Execution and Conversion Risk

Conversion and execution processes are subject to significant price volatility driven by market demand, regulatory changes, or general market sentiment, which may result in trades executing at less favourable prices than anticipated or failing entirely, particularly during periods of high volatility or low liquidity. Limited liquidity or shallow order books can lead to execution slippage, incomplete conversions, or delays, while reliance on external banking channels for fiat transactions and blockchain networks for VA settlements may cause mismatches in rates, settlement delays, or transaction failures.

Conversions and trades are also subject to fees, spreads, and network charges that may reduce the net amount received, and regulatory changes. When executing or transmitting client orders to liquidity providers with your consent OFZA strives to achieve best execution. However, rapid price fluctuations or processing delays may cause the executed price to differ from the price displayed at order placement, and trades may be delayed or not occur during illiquid market conditions. OFZA mitigates these risks through diversified liquidity providers, reconciliation processes, and transparent fee disclosures in compliance with VARA’s Compliance and Risk Management Rulebook.

5.2.11 Stop Loss

Stop Orders are client instructions to execute a trade if a specified price level is reached. They are intended as a risk management tool but do not guarantee execution at the chosen price. In fast-moving or illiquid markets, orders may be filled at the next available price, which may be significantly less favourable. Accordingly, Stop Orders may not always limit losses to the intended amount, and in extreme volatility, losses may exceed those anticipated at the designated stop level.

5.2.12 Close Order

Close orders, stating the below Notwithstanding the specific stop level set by you, we may be required by Applicable Laws and Regulations to close, or part close a Trade prior to your Stop Order being triggered

5.2.13 Smart Contract Risk

Certain products and services offered by OFZA, including DeFi protocols, staking, or tokenised instruments, may rely on smart contracts—self-executing code deployed on blockchain networks. Smart contracts are an emerging technology and may contain bugs, vulnerabilities, or coding errors, either within the contract itself or in the underlying blockchain protocol. Such defects may be exploited by malicious actors or result in the loss, theft, or permanent inaccessibility of VA. OFZA does not warrant or guarantee the performance, reliability, or return of any VA that are subject to or governed by smart contracts. Clients should carefully assess the risks and recognise that engaging with smart contract–based products carries the potential for irrecoverable loss.

5.2.14 Regulatory Risk

Many trading venues and Virtual Asset services are not regulated, or subject to limited regulations, The Virtual Asset market is subject to regulatory changes, which can impact the value of your VA. Regulatory changes can also result in additional costs or restrictions on your trading activities. OFZA is committed to design, modify and/or adapt the OFZA Platform in such a way that it complies with all applicable laws and regulations while at the same time retaining the flexibility for you, but cannot guarantee that certain regulatory or legal changes may result in the limitation or termination of certain services.

Clients are responsible for staying informed about regulatory updates and ensuring compliance with applicable laws, including tax and reporting obligations, in all relevant jurisdictions.

5.2.15 Legal Risk

Virtual Asset markets are subject to ongoing and significant regulatory changes, both in the UAE and globally. Unpredictable statutory, administrative, or regulatory changes may impact the value, liquidity, or accessibility of your VA, potentially leading to financial losses. Transactions across jurisdictions may also expose you to additional risks, including restrictions on cross-border transfers, currency controls, tax obligations.

In emerging markets, Virtual Asset regulatory frameworks are often less developed and regulated than in established financial markets, resulting in reduced government and regulatory authorities’ oversight of virtual asset exchanges, broker dealers, and issuers. This increases the risk of fraud, market manipulation, or operational failures. Laws governing VA may be ambiguous, non-existent, or subject to inconsistent interpretation, creating uncertainty.

As a client, you are responsible for understanding these risks, complying with applicable laws, and monitoring updates to OFZA’s disclosures and VARA’s regulations. OFZA remains committed to transparency and compliance but cannot eliminate inherent legal and regulatory uncertainties in Virtual Asset markets.

5.2.16 Liquidity Risks

The VA market can experience periods of low liquidity, particularly during times of market volatility or reduced trading activity, which may make it difficult or impossible to buy or sell VA at your desired price or within your preferred timeframe. As not all virtual assets are considered liquid assets (meaning that they can be quickly and easily converted into cash or a cash-equivalent with minimal loss in value) there may be limited options to sell or exchange your virtual assets for fiat currencies or other assets, especially during periods of market volatility or low trading activity. Demand for certain virtual assets may decrease as a result, there is a risk that you may not be able to liquidate your virtual assets when needed. We advise all clients to carefully consider their liquidity needs and to ensure that they are comfortable with the possibility of illiquidity when investing in virtual assets.

5.2.17 Continuous Trading and Market Volatility Risks

Unlike traditional securities platforms with set operating hours, VAs can be traded round-the-clock on the OFZA Platform, subject to the functionality of blockchain networks and market conditions. This continuous trading environment exposes clients to heightened risks of rapid price movements, particularly during periods outside typical business hours when market events or global developments may occur. Such swift market shifts, driven by factors like global demand, news events, or regulatory changes, may prevent you from reacting promptly, potentially leading to unfavourable trade executions or financial losses. Continuous trading also increases risks related to liquidity and execution, as market conditions can change rapidly, resulting in price gaps, limited liquidity, or delays in order execution during volatile periods. All client-held Virtual Assets remain the property of the client and are safeguarded through segregated institutional-grade custody using Fireblocks’ MPC infrastructure; clients retain full rights to access and withdraw their Virtual Assets at any time including but not limited to during periods of extreme market volatility, supported by OFZA’s liquidity management, disaster recovery, insurance coverage and business continuity frameworks that ensure uninterrupted withdrawal functionality and transparent communication under all market conditions.

5.2.18 Private Key Vulnerabilities

Virtual Assets are controlled by unique private keys linked to digital wallets. While public keys are disclosed in transactions, the associated private keys must remain confidential to prevent unauthorised access. If a private key is lost or compromised without a backup, access to the associated Virtual Assets becomes impossible, often irreversibly. This risk, heightened by varying technological designs and access methods, can lead to significant losses if private keys are misplaced.

5.2.19 Protocol Changes and Forking Risks

Virtual Asset networks often lack central authority. Anyone can modify the network's software, and these changes are proposed via software updates. If a significant majority adopts these changes, the network remains unified. However, if only a portion adopts them, it can lead to "forks" in the blockchain, creating two versions of the Virtual Asset. While some forks merge back, others remain permanent. After a fork, the combined value of the new assets might not equal the original's value, leading to potential losses. If a custodian doesn't support a forked asset, investors could face adverse impacts. Malicious actors might also intentionally create forks, and if a majority adopts a detrimental protocol change, it could negatively affect investments.

In the event of a fork, OFZA will assess the impact of such a change as soon as possible once it is made aware of the fork and will communicate with clients affected by the fork. A Hard Fork may result in a permanent split from a previous version of the blockchain and will effectively create a new Virtual Asset. The occurrence of a fork is outside of OFZA’s control.

5.2.20 Security and Access Risks

Risk of eliminating the benefits of 2FA. OFZA strongly recommends that you use 2FA. If you do not use the 2FA in cases provided for by us, any person with knowledge of your password and e-mail address may be able to access your Account and the Supported Assets deposited with the OFZA Platform and may make Transactions in your name.

The password you chose when registering an Account (as amended from time to time) may be subject to attacks, even if it is unique and only known to you. The risk is greater if the password is weak (in length and/or complexity) and/or if the password contains personal details (for example your name, date of birth or place of residence) and/or words included in a dictionary.

OFZA recommends that you always choose a strong and unique password (that is not used with any other service provider) and that you use the 2FA. While stronger passwords are statistically (far) less likely to be successfully retrieved by an attacker, no password is fully safe. While OFZA indicates the password strength of your password when an Account is registered, such indicator is calculated from general parameters, and does not verify whether your password may contain any of your personal details or words included in a dictionary and should thus be regarded as a guideline only.

5.2.21 Tax risk

Because of the complexity of tax laws and the different considerations that apply to each market participant, you should consider the tax consequences of an investment in a managed account. It is possible that the current interpretation of tax laws or understanding of practice may change, or even that the law in some countries may be changed with retrospective effect.

5.3 Market Conduct and Fair Dealings

5.3.1 Regulatory Alignment and Communication Standards

OFZA affirms compliance with UAE AML Federal Decree-Law No. (10) of 2025, Cabinet Resolutions, FATF Recommendations, and VARA Regulations, guidance’s and applicable rulebooks including but not limited to:

(a) Company Rulebook, Market Conduct Rulebook, Compliance and Risk Management Rulebook, Technology & Information Rulebook, Broker Dealer & Exchange Services Rulebook, VA Management and Investment Rulebook.

(b) All client communications, whether written, verbal, or digital—are and will be fair, clear, and not misleading.

(c) No inaccurate, deceptive, exaggerated, or incomplete information in any communication or promotional material will be disseminated by OFZA.

5.3.2 Prohibition of Manipulative or Abusive Practices

OFZA prohibits all forms of market manipulation and abusive conduct, including, without limitation:

(a) Spoofing – placing orders with no genuine intent to execute, with the purpose of misleading other market participants.

(b) Wash Trading – executing offsetting buy and sell trades of the same Virtual Asset to create artificial market activity or price movement.

(c) Rumor - Mongering and False Statements – disseminating or promoting false, misleading, or exaggerated information that may influence market behaviour or asset prices.

(d) Price Manipulation or Collusive Practices – coordinating with others to distort market prices, liquidity, or trading volume.

(e) Other Abusive Conduct – any activity intended to mislead market participants, distort prices, or undermine market integrity

5.3.3 General Information Disclaimer and Client Responsibility

The information disseminated by OFZA is not to be construed as offering financial management, investment, or any form of Financial advisory service. Instead, it should be regarded as general market commentary. OFZA refrains from providing personalised recommendations or advising on the merits of specific transactions. You are solely responsible for making decisions regarding transactions, investments, and OFZA offers no assurances regarding the outcomes. Any investment decisions made based on OFZA's information are undertaken at your sole discretion and risk.

5.3.4 Other Disclosures

(a) OFZA Conflict of Interest policy outlines a detailed description of any actual or potential conflicts of interest arising out of their activities, and how these are managed is available in the website;

(b) policies and procedures relating to data privacy, whistleblowing, best execution, code of conduct, anti-bribery corruption and handling of client complaints are made available on the website. Clients are advised to refer to the relevant policies and procedures where required.

(c) Effective disclosures: OFZA will ensure that any disclosure is clear, concise and effective, and contains information necessary for their clients to make an informed decision and be kept up-to-date. OFZA will dispatch information in a timely manner if ongoing disclosure is required by relevant authorities, including VARA, or under any fiduciary duty owed by OFZA to their clients.

(d) OFZA ensures the client assets are segregated and protected at all times. Client VA are held are safeguarded through institutional-grade custody using Fireblocks’ MPC infrastructure held in segregated wallets separated from Company assets, Cold and Hot Wallet Strategy, all client fiat deposits will be transferred within 24 hours of receipt into designated, ring-fenced client money bank accounts held with Zand Bank a licensed banking institutions in the UAE, OFZA does not engage in any Rehypothecation unless OFZA secures explicit consent from the client, maintaining comprehensive commercial crime and cybersecurity insurance coverage for client assets held in custody.

6. ACKNOWLEDGMENT

6.1By entering any transaction with OFZA, you hereby acknowledge, confirm, and agree as follows:

(a) You have received, read, and understood this Risk Disclosure Statement and, where necessary, sought advice from independent professional advisors.

(b) The risk factors disclosed herein are not exhaustive and may not capture all risks associated with the products and services offered.

(c) You have independently determined the legality, suitability, and appropriateness of any transaction in light of your own financial circumstances and investment objectives.

(d) Neither OFZA nor its affiliates act as your fiduciary, financial advisor, or agent in relation to any transaction.

(e) You have not relied upon any communication from OFZA or its affiliates as investment advice, a recommendation, or an assurance of any particular outcome.

(f) You are solely responsible for understanding and complying with the tax consequences of your transactions, including those relating to VA, within your jurisdiction.

(g) OFZA bears no liability for investment outcomes. All communications provided by OFZA are of an informational nature only and do not constitute investment advice.

(h) In the event of any inconsistency between this English version of the document and any translated version, the English version shall prevail.

(i) This Risk Disclosure Statement may be amended from time to time. Continued use of OFZA’s services after such amendments shall constitute acceptance of the revised terms.

(j) No communication from OFZA, whether oral or written, should be construed as a guarantee of performance or result in relation to any transaction.

(k) You confirm that you qualify as a professional investor or the equivalent under the applicable laws of your jurisdiction and are legally eligible to access the products and services described herein.

(l) Your engagement with OFZA has been initiated independently, without solicitation or inducement by OFZA or its affiliates.

(m) Any information or documentation received from OFZA has been provided at your request.

(n) Your decision to utilise OFZA’s services and products is based solely on your independent judgment and evaluation.

(o) Clients may request account closure at any time, subject to settlement of all obligations. Closure will not be permitted where there are open positions, unpaid liabilities, ongoing investigations, or

where restricted by law or regulation. Once conditions are met, OFZA will process the request promptly, with client data retained in line with the Privacy Policy and applicable regulations.

(p) OFZA may suspend or close a client’s account where required by law or regulation, or where the client breaches OFZA’s Terms, Privacy Policy, or regulatory obligations. Accounts may also be closed in cases of suspected financial crime, market abuse, provision of false information, failure to meet KYC/KYB/AML requirements, security concerns, prolonged inactivity, or non-payment of obligations. These measures ensure compliance with VARA’s framework and protect market integrity and client interests.

(q) You undertake you have read and understood OFZA code of conduct policy published on the website.

(r) You undertake to promptly notify OFZA in writing if any of the above acknowledgments, confirmations, or representations become inaccurate or invalid.

7. CONTACT INFORMATION

7.1 For any questions about the Risk Disclosure, please contact us at [email protected] or [email protected] .