Customer Testimonials
This agreement is legally binding, so please review it carefully.
This legal agreement is entered into by and between UPWAY Bullion Limited (hereinafter referred to as "UPWAY"), a company established under the laws of the Hong Kong Special Administrative Region with limited liability, and its successors or assigns, and the contracting party hereto (hereinafter referred to as "Client"). (hereinafter referred to as the "Client"). In connection with the opening of an account with UPWAY to engage in speculation and the purchase or sale of spot precious metals (hereinafter referred to as "OTCGOLD") through the over-the-counter OTC market for precious metals, the Client confirms that he/she is aware of the factors set out below in relation to the trading of leveraged OTCGOLD as well as the Risk Disclosure Statement provided to the Client.
（1）OTCGOLD trading is only suitable for professional organizations or experienced investors, whose financial situation can withstand losses that may exceed the value of the guaranteed or deposited funds.
（2）OTCGOLD's business does not require open outcry. Although many venues trade on computer-based systems that provide both quoted and actual prices, these prices may be skewed by market illiquidity. Many electronic trading facilities are supported by computer-based systems for ordering, executing, and matching trades, and they are vulnerable to system failures.
（3）In the OTCGOLD market, firms do not only trade off-exchange. UPWAY, a firm that trades for clients, may be the counterparty to client trades in many precious metals transactions. Circumstances may arise, including differences in closing out positions, assessing value, determining fair value or assessing risk disclosure. For these reasons, such transactions may involve greater risk. OTC transactions may be less regulated or subject to different regulatory regimes. Clients should familiarize themselves with the applicable regulations and associated risks before commencing trading.
（4）If the Client engages in trading on any electronic market, the Client will face risks associated with the electronic trading system, including hardware or software failure. System failure may result in the Customer's orders being difficult or impossible to execute in accordance with his/her instructions.

Disclaimer：
（5）Client's precious metals trading, including buying, selling or delivery, will be settled directly through the client's trading account opened with UPWAY.
（6）UPWAY does not guarantee the creditworthiness of its counterparties and will endeavor to trade only with reputable and reliable institutions and clearing houses. In addition, trading in precious metals may be halted due to market illiquidity, preventing clients from closing out their losing positions in a timely manner, which may result in considerable losses for clients.
（7）UPWAY's margin policy may require clients to provide additional funds to maintain their margin accounts and it is the client's obligation to satisfy such margin requirements. Otherwise, the Client's margin account may be automatically liquidated by the system upon triggering the minimum margin ratio of 30% and the corresponding loss may be in excess of the account margin level. UPWAY also reserves the right to refuse to accept orders or to provide market hedging.
（8）If any non-UPWAY employee provides any information or advice about your property to a customer, UPWAY cannot control or guarantee the accuracy or completeness of the information, and UPWAY shall not be liable for any loss incurred by the customer as a result of the use of such information or advice.
（9）UPWAY does not allow clients to authorize anyone to manage and trade their margin accounts. Clients must bear all risks associated with any losses incurred as a result of clients handing over their margin accounts to others for trading, and UPWAY shall not be liable for any losses incurred by clients.
（10）UPWAY is a licensed member of The Chinese Gold and Silver Exchange Society, Class AA No. 084. Spot gold and silver investment is a Hong Kong compliant investment product and is operated in accordance with Hong Kong laws and regulations and may not be subject to the laws and regulations of jurisdictions other than Hong Kong, so investment should be made with caution. Clients should fully comply with the relevant local laws, including obtaining the consent of the government or relevant regulatory authorities for compliance with any other means required to be complied with in such jurisdictions, as well as supporting any relevant local taxes, duties and other charges in respect of transactions conducted using the UPWAY Platform. Transactions conducted on the UPWAY Platform will be deemed to represent and warrant to UPWAY that the customer has complied with local laws and regulations. If the client is in doubt, the client should seek legal and other independent professional advice before opening an account and commencing trading.
（11）Clients should be aware that investment involves risks and that investments may result in the possibility of profit or loss. Furthermore, UPWAY shall not be liable for any representations or warranties made by UPWAY, its employees and/or affiliates.

Customer Agreement
UPWAY agrees to allow the Client to open a trading account and from time to time provide the Client with the relevant trading OTCGOLD (as defined in the Client Notice above), which may be conducted through or via the Client's trading account. Note: UPWAY does not allow clients to open multiple accounts with different documents. Clients must ensure the authenticity of the information provided, and if multiple accounts are found to belong to the same person, UPWAY reserves the right to directly freeze the funds in the related accounts, lock the trading functions of the related accounts, and perform mandatory account closure without prior notice. As a high-risk investment, clients' trading accounts must be maintained and traded by themselves.

The Client shall give the following consent:
1. Definitions of Words and Titles
（1）The term "UPWAY" includes UPWAY Finance Limited, Successor and Assignor. The term "Client" means a party to this Agreement. If the Client is an individual, it includes the Client himself, his executors and administrators; if the Client is a limited company, it includes the company and its successors. If the Client is a partnership, it includes the partnership, its executors and administrators while the Client's account is in force. The term "Agreement" means any agreement or authorization entered into between the Client and UPWAY as amended from time to time in relation to the opening, maintenance and operation of the Account(s) (etc.), including but not limited to any power given to UPWAY by this Client Agreement, the Risk Disclosure Statements, the Client's testimonials, the Account Opening Form(s) (etc.). The paragraph headings in this Agreement have been added for convenience and do not limit or affect the use and meaning of the paragraph headings.
（2）"Base Margin" means funds deposited by the Client into the Trading Account, which are mainly used as margin for new positions. Such margin is required to be deposited with the dealer at or before the time of placing an order, and serves as a guarantee for all spot trades in gilts.
（3）"Margin Call" means that the dealer may issue an order to alert or call for margin replenishment when the margin account suffers a loss due to unfavorable market price fluctuations. When the prepayment ratio of the margin account triggers the minimum margin requirement of 30%, the system will force the margin account to close out, and the loss amount may exceed the margin account's capital level.
（4）"date" means any day on which a bank domiciled in Hong Kong is open for business.
（5）"Working Day" means any day other than a gazetted general holiday (excluding Saturday and Sunday).

2. Binding effect
This Agreement (including the Risk Disclosure Statement, the Client's Confirmation, this Client Agreement and the Account Opening Form) shall continue in force and cover all accounts opened or re-opened by the Client with UPWAY at any time, notwithstanding any change in the affairs of UPWAY or other successors or assigns. In the event of a merger, consolidation or other change, this Agreement (including any authorization) shall apply to the benefit of UPWAY or other successors or assigns and shall be binding on the Client and/or his/her heirs, principals, administrators, legal representatives, successors and assigns.

3. Agreed acceptance
This Agreement shall be deemed to have been accepted by UPWAY or to be a mutually agreed and binding contract between the Client and UPWAY only upon UPWAY's confirmation and approval of the Client's account opening application.

4. Highly risky investments
In addition to the standard disclosures set out in this agreement, clients should note that trading in precious metals on a margin basis is one of the relatively higher risk investment instruments in the financial markets and is only suitable for experienced professional investors and institutions. Trading accounts opened with UPWAY allow clients to trade precious metals with higher leverage ratios (up to 100 times or more of the client's account assets, which may be modified by UPWAY from time to time or in accordance with other applicable regulations).
Clients should carefully consider the risks they can bear before opening an account or engaging in precious metals trading and emphasize that the capital invested in precious metals trading is a high-risk investment capital.
The Client warrants and represents that even if he/she suffers a significant loss in trading precious metals, it will not have any impact on his/her present/future lifestyle and financial situation.
If the Client has not invested in high risk investment instruments in the past, the Client needs to understand and learn about precious metals trading and seek relevant professional advice before formal trading. Clients need to recognize that precious metals trading involves potential profits and losses, and if market conditions are unfavorable, losses may exceed the amount of the initial margin.
When dealing in precious metals, clients must confirm that the funds invested in precious metals trading are purely risk capital and that the loss of such funds will not have any impact on their present/future style of life and financial situation.

5. Insurance Confirmation
The client recognizes that investing in leveraged transactions is speculative and involves a high degree of risk and is only suitable for people who can afford to lose more than their guaranteed deposit.
The Client understands that because OTCGOLD trading generally requires lower margin and therefore a relatively greater leverage ratio, changes in the price of OTCGOLD may result in a substantial loss, which may exceed the Client's investment capital and margin trading account funds.
The Client shall clearly understand the characteristics of the transaction and the level of risk before commencing or executing the transaction, and warrants that he/she is willing and able to assume, financially or otherwise, all risks associated with OTCGOLD transactions, and agrees that he/she shall not hold UPWAY liable for any losses resulting from the transaction that may be caused by following the trading recommendations, or advice, given by UPWAY, or by any of its employees or representatives.
The Client recognizes that OTCGOLD trading is not subject to any guarantee of capital preservation or profitability. Client acknowledges that it has not received such assurances from UPWAY, or any of its employees, representatives, agents, or other entities with which Client has dealt in connection with trading in UPWAY, and has not entered into this Agreement on the basis of any such assurances.

6. Insurance against exchange rate fluctuations
UPWAY trading accounts must be denominated in United States Dollars or such other currency as the Company may agree from time to time if the Client deposits or withdraws funds in a currency other than United States Dollars:
（1）The Client is solely responsible for any gain or loss due to changes in exchange rates;
（2）The Client agrees that UPWAY may make any exchange of Currency in such form and at such time as UPWAY may in its sole discretion determine for the purpose of performing any act or step taken by it pursuant to this Agreement.

7. Customer Declarations and Warranties
（i）Be of sound mind, of the age required to open an account with UPWAY, and legally able to do so;
（ii）Only the Client himself enjoys the benefits of his account;
（iii）Notwithstanding any subsequent determination to the contrary, except as set forth in (1), the Client has sufficient investment experience, risk tolerance, and financial strength to conduct OTCGOLD transactions;
（iv）The Client is not currently employed by any exchange, any company in which a substantial part of the capital is held by an exchange, any member of an exchange or any company registered on an exchange, any bank, trust or insurance company and if the Client is employed by any of the above companies, the Client must immediately notify UPWAY in writing;
（v）The information provided by the customer is true, accurate and complete up to this date. It is the customer's responsibility to notify UPWAY immediately of any change in information.
（vi）No activities aimed at arbitrage or "scalping" will be performed.

8. Transaction Authorization
UPWAY only supports clients to trade in person, and does not support clients to authorize other people to operate their trading accounts on their behalf.

Regulation of systems between the government, counterparties, and banks
All transactions under this Agreement shall be governed by the constitution, bylaws, ordinances, rules, customs, usages, judgments and interpretations of the counterparties executing the transactions or of other interbank markets (and their clearing organizations, where applicable) and shall be governed by all applicable laws of Hong Kong.
In the event that any ordinance is hereafter passed, or any provision is passed by any governmental body, or any provision affecting/conflicting with this Agreement is deemed to be altered or superseded by such ordinance or regulation, the other and altered provisions shall continue in full force and effect.
The Client acknowledges that all transactions under this Agreement are subject to the foregoing regulatory requirements and that the Client does not have any independent contractual rights with respect to such requirements.

10. Settlement of Accounts and Repayment of Funds
In the event of the following circumstances:
（1）Death, nervous breakdown or judicial declaration of inability to act;
（2）The Client files a petition for bankruptcy or election of a trustee, or any person files a petition for bankruptcy, liquidation, or other similar legal proceeding against the Client in a court of law;
（3）Any of the Client's assets are subject to the appointment of a receiver or similarly situated person or to the execution of any attachment or judgment;
（4）The margin on the client's account is insufficient, irrespective of the prevailing market quotation;
（5）the Customer fails to provide UPWAY with any relevant information (e.g. identity documents) required under this Agreement; or
（6）With respect to any other situation or change in circumstances in which UPWAY should take protective measures, UPWAY has the absolute discretion to determine whether one or more of the following actions should be taken: (i) the funds or property that UPWAY holds or controls on behalf of the customer to satisfy the customer's obligations to UPWAY; (ii) the purchase or sale of any precious metals for the customer's account; and (iii) the cancellation of any or all unfinished orders, or any other commitments made on behalf of the customer.
The performance of any of the above actions may not be conditional on the requirement of a guarantee or additional guarantee, or on prior notification of a decision to buy or sell to the Client, the Client's personal representatives, successors, licensees, or assigns, and so on, regardless of whether or not the ownership interest involved is the Client's sole property.
In UPWAY's absolute discretion, the purchases and sales described herein may be made through any inter-bank or other exchange market on which business is regularly conducted, and UPWAY may purchase all or a portion thereof without limitation of the right of redemption. Clients will be liable at all times for the obligations of their account(s) when requested to do so by UPWAY. The Client will at all times be liable for the remaining balance of his account if his account is liquidated in whole or in part by UPWAY or by the Client himself.
In the event that the funds realized from the closing of positions under this authorization are insufficient to support the client's obligations to UPWAY, the client shall immediately support the amount of the outstanding debt, all outstanding debts, and the interest thereon, as well as all collection fees, including attorney's fees, witness fees, and other related expenses, and UPWAY reserves the right to pursue the matter.

11. Guarantees and deposits and withdrawals
The Customer understands and agrees that UPWAY has the sole right of designation and that UPWAY may change the amount of the guarantee at any time depending on market conditions. The amount of the guarantee may be higher or lower than the requirements of comparable organizations.
The customer agrees that when UPWAY makes a demand for replenishment of funds, the customer shall immediately and promptly satisfy all margin calls in the manner required by UPWAY, and that any costs involved in the deposit process, including bank charges, exchange rate differentials, and all related costs, shall be borne by the customer. Customers may not be able to use the newly-deposited margin as margin for a new position, and may not be able to use it as additional margin. Customers agree to bear all losses from forced liquidation of their positions due to failure to satisfy the additional margin requirement in a timely manner, which may exceed the initial margin, i.e., all the funds in their accounts.
UPWAY may at any time enforce the closing of Client's account in accordance with this Agreement, and UPWAY's failure to exercise this right does not constitute a waiver of such right. Any past margin requirements of UPWAY shall not prevent UPWAY from increasing such margin requirements without notice.
The customer has the right to notify UPWAY at any time to withdraw the designated available margin balance. The customer agrees that any fees involved in the remittance and transfer process, including bank charges, exchange rate differentials, and all related costs, shall be borne by the customer. The Customer fully understands that it takes time for UPWAY to process the Customer's withdrawal and that the Customer may not receive the withdrawn amount immediately. The customer agrees to hold UPWAY harmless from all liabilities arising from UPWAY's failure to satisfy his/her own withdrawal request in a timely manner. UPWAY will deduct the amount from the customer's account balance as soon as the customer's withdrawal request is confirmed.
The customer must ensure that the designated current account belongs to the customer, and UPWAY does not accept deposits or withdrawals from bank accounts that are not in the customer's name.

12. Communication
Reports, statements, notices and other communications may be delivered to the email address provided by the customer at the time of the application and to the email address updated to UPWAY by using the website login method. All communications so sent, whether by email or otherwise, shall be deemed to have been transmitted by UPWAY once they are received by the transmitting organization, and shall be deemed to have reached the customer personally, regardless of whether they are actually received by the customer.

13. Email Address Confirmation
If the customer's e-mail address changes, the customer is responsible for immediately notifying UPWAY of the change.

14. Electronic Transmission Transaction Confirmation
Customers agree that their account information and transaction confirmations may be provided through the UPWAY platform, and that customers may access their account information through the UPWAY platform or through their personal account on the Internet.

15. Closing
This Agreement shall continue in force until terminated, and may be terminated by the customer at any time provided that the customer does not hold any open positions in precious metals, does not have any debts to UPWAY, the customer submits the account for cancellation through UPWAY's APP or submits a written agreement for cancellation as required, or UPWAY terminates the Agreement to the customer at any time, including written notification, email notification, SMS notification, or notification by our Risk Management Department. UPWAY will directly prohibit the login and transaction use of the account of the customer who fails to pass the identification, risk assessment or AML (Anti-Money Laundering Identification System), or the customer who fails to meet the KYC certification audit of UPWAY as determined by the risk control department of the Company.

16. Agreement modifications
Customer agrees that UPWAY may, from time to time, in its sole discretion, amend, cancel, or novate any of the terms of this Agreement or add any new terms and conditions, and that UPWAY will update such amendments or changes directly on the UPWAY App on the UPWAY website at www.jrjr.com及Up without prior notice or posting of a notice of the latest changes, and that Customer shall from time to time be required to review such changes and agree to be bound by such changes and conditions. The customer must review the changes from time to time and agree to be bound by them.

17. Information
The customer agrees that (1) any market information provided to the customer by UPWAY or its employees does not constitute any investment advice, an offer to buy or sell OTCGOLD contracts, or a solicitation to buy or sell OTCGOLD head-size; (2) such information, although based on sources that UPWAY believes to be reliable, may be based solely on the personal opinions of an employee, and therefore such information may be incomplete or even unverified; and (3) UPWAY does not make any warranty and assumes no responsibility for the accuracy and completeness of any information provided to the customer.

18. Non-guaranteed profit or limitation of loss
The Customer acknowledges that he/she has not entered into any one-sided agreement with any UPWAY employee, agent or third party regarding transactions on his/her UPWAY account, including but not limited to any agreement that guarantees profitability or limits losses on his/her account. The Client agrees that it is his/her responsibility to immediately inform UPWAY in writing of the details of any unilateral agreement. The Client agrees to bring to the attention of UPWAY in writing any statements made by any person regarding the trading account that differ from the representations the Client has received from UPWAY.

19. China's Responsibility for Pride and Honor
UPWAY will not be responsible for delays in the transmission of instructions due to transmission or communication facility failures, electrical short circuits, or any other causes beyond UPWAY's control or anticipation. UPWAY will only be liable for acts that are directly attributable to the intentional fault or fraud of UPWAY. UPWAY will not be liable for damages arising from faults of other parties.

20. Compensation
The Client agrees to indemnify and hold harmless UPWAY from and against all liabilities, losses, damages, costs or expenses (including attorneys' fees) incurred by UPWAY as a result of the Client's failure to fully and timely fulfill its undertakings, or as a result of any representation or warranty made by the Client which is untrue or incorrect. The Client also agrees to immediately support UPWAY's damages, costs and expenses (including attorneys' fees) incurred by UPWAY in enforcing any of the provisions of this Agreement or any other agreement between UPWAY and the Client.
In addition, UPWAY will not be liable or indemnified for losses arising from (1) the Customer's conduct: the Customer's own acts, errors or omissions; (2) forged signatures: forged or unauthorized signatures on all Accounts or on files relating to this Agreement; (3) failures: system failures, equipment failures, or interruptions in the system or malfunctions of the Customer or UPWAY; (4) delay: delays, failures, or errors made by UPWAY in the execution of any instruction given by the Customer to the UPWAY; and (5) information: inaccurate or incomplete instructions received from the Customer.

21. financial position
The Client represents and warrants that it is in sound financial condition. The Client has carefully considered the risks of trading in precious metals and has highlighted the portion of the Client's existing assets that can be capitalized as risk before commencing trading in precious metals.
The Client warrants and represents that even if a loss occurs in the transaction of precious metals, it will not bring about any change in his/her lifestyle. In the event that the Client's financial circumstances change in such a way as to reduce this risk capital, the Client agrees to notify UPWAY immediately.

22. Credit Status
The Client authorizes UPWAY, or its employees on behalf of UPWAY, to investigate the Client's creditworthiness and to verify and identify appropriate (all) banks, financial institutions and credit agencies to which the Client's information relates. The client further authorizes UPWAY to investigate its current and past investment activities.
In addition, UPWAY will take into account the creditworthiness of the Client and has the right to request the Client to provide the necessary proof (including but not limited to the most recent tax receipts, proof of income) in order to review the Client's Trading Limit from time to time and to approve the Client's application for upgrading the Trading Limit.

23. Exemptions or amendments
No provision of this Agreement may be waived or amended by the Client unless the waiver or amendment is in writing and signed by both the Client and an authorized licensee of UPWAY. UPWAY's failure to assert its rights under the Agreement in the course of any dealings between the parties to the Agreement or under any circumstances shall not be construed indirectly as a waiver of such rights by UPWAY. No oral agreements or instructions may be recognized or enforced.

24. Sound Recording
Customer agrees that UPWAY has the right to use audio recording programs as evidence of the accuracy of the instructions or communications recorded. The Customer further agrees that such audio recording may be used by either party as evidence in any dispute or litigation involving any of the Customers or Evergreen China. The Client understands and agrees that UPWAY periodically removes such audio recordings in accordance with the business program established by UPWAY.

25. Personal Information Privacy Policy
UPWAY's personal data privacy policy is to protect the interests of its customers in accordance with the Personal Data (Privacy) Ordinance. As UPWAY uses customer information to provide its best services, it also pays high attention to the arrangements for the use of its customers' information, and seeks to fully comply with the personal data protection requirements in accordance with the provisions of the Personal Data (Privacy) Ordinance of the People's Republic of China Special Administrative Region. To this end, UPWAY will ensure that its employees comply with the strict standards of security and confidentiality required by law.
(1) The personal information collected by UPWAY is used only for the purpose of UPWAY's business operations and other related activities;
（2）UPWAY is committed to ensuring that its websites are secure and comply with industry standards, and uses other data protection tools, such as firewalls, authentication systems (passwords and personal identification numbers, etc.), and manipulation mechanisms to control the entry and access of data from unauthorized systems;
（3）UPWAY stores customers' personal information confidentially and protects it from being stolen. UPWAY employees respect customers' privacy and will never disclose any information to unauthorized persons;
（4）The Customer may from time to time access and change his/her personal data held by UPWAY;
（5）The Client agrees that UPWAY will disclose all information (and other information) about the Client to regulatory authorities and other governmental bodies in accordance with any law or regulatory requirement.
（6）The customer agrees that UPWAY will disclose the customer's personal information to the relevant organization as proof of identity when the customer withdraws or deposits funds through the supporting grid, as arranged in the Internet Supporting System Policy.
（7）UPWAY may set and access Evergreen China cookies on customers' computers to help UPWAY analyze and understand the effectiveness of its marketing strategies. UPWAY and its employees may use cookies on UPWAY's products and services to track customer traffic on UPWAY's web site. The information collected and shared is anonymous and cannot be individually identified.
（8）When a customer consents to UPWAY's provision of services to the customer, UPWAY may authorize the use of the customer's personal information by companies that are not affiliated with UPWAY, including companies that provide services on behalf of UPWAY on a contractual basis, such as software companies that maintain and develop data processing software. These companies licensed to UPWAY are required to maintain the confidentiality of their customers' personal information, and UPWAY will make every effort to ensure that the personal information it collects about its customers is properly stored in its storage systems and is accessible only by authorized employees or companies providing services on behalf of UPWAY, but given the open and global nature of the Internet, UPWAY may not be able to protect and keep confidential the personal information of its customers from being used by other companies. Due to the open and global nature of the Internet, UPWAY may not be able to protect and maintain the confidentiality of customers' personal information from intentional interference by third parties. Whenever a web site operated by another person is viewed through the UPWAY web site, the customer's personal information is not covered by the terms of privacy of personal information of UPWAY.

26. Consent of jurisdictions and jurisdictions
UPWAY may, at its sole option and in its absolute discretion, determine that any dispute, controversy or claim arising out of or relating to this Agreement, or the termination or invalidity thereof, shall be resolved by arbitration in accordance with the rules of arbitration of the United Nations Commission on International Trade Law currently in effect. The arbitrator is appointed by Hong Kong International Arbitration Center (HKIAC), an organization with one arbitrator. The arbitration shall be conducted by HKIAC in accordance with the rules of HKIAC's arbitration program in effect at the commencement of the arbitration. The arbitration proceedings were conducted in English.

27. Arbitration agreements
By agreeing to this Arbitration Agreement, Customer (1) waives its right to sue UPWAY in court, including the right to a jury trial, and (2) agrees to be bound by the terms of the arbitration in any claims and counterclaims brought by Customer or China under this Agreement. Customer may also open an account with UPWAY without electing to be bound by the terms of this arbitration agreement.

28. Governing Law and Jurisdiction
This Agreement and the corresponding rights and obligations of the parties hereto shall be governed by, construed and enforced in accordance with the laws of the Hong Kong Special Administrative Region. Nothing in this Agreement shall have the effect of interfering with or interfering with the application of these Terms of Use in contravention of the law. This Agreement, together with the Account Opening Form and related exhibits, constitutes the subject matter of this Agreement in its entirety and in its entirety. This Agreement supersedes all previous written or oral agreements relating to the subject matter of this Agreement, Leveraged Spot Precious Metals Transactions, which have been signed or promised by both parties.

29. Trading Account Cancellation
Once a trading account is canceled, the transaction history will be cleared without prior notice and without any storage of the transaction history by UPWAY, the existing trading account cancellation method of UPWAY:
(1)The customer initiates the cancellation of the account.
(2)Trading Accounts that have been disabled as a result of the content of the agreement referred to in point 15 above ("Termination").
(3)The absence of any login record for the trading account for more than 90 days implies that the client has abandoned the use of the trading account.

Notice to Customers
1、Injection
（1）Client can deposit funds into his/her trading account according to the fund injection method provided on the Company's web site.
（2）UPWAY will not be able to process the Capital Injection for the Client unless UPWAY verifies and confirms receipt of the Capital Injection from the Client.

2. Withdrawal
（1）Before withdrawing money for the first time, you must submit the front and back of your personal color ID card and the picture of your color bank card to UPWAY and be successfully recognized by the system, otherwise, UPWAY will not accept your withdrawal application.
（2）The costs of remittance services for single withdrawals of US$50 or more will be borne by King Wing China.
（3）If the customer applies for a single withdrawal of less than US$50, the Company will charge US$3 as a remittance fee.
（4）If the trading volume after the customer's capitalization is less than 50% of the capitalized amount, 6% of the capitalized amount will be deducted as the withdrawal manual renewal fee. If the transaction volume is sufficiently high, ordinary members can make 3 withdrawals per day without manual renewal fee, VIP members can make 5 withdrawals per day without manual renewal fee, if the number of times exceeds the number of withdrawals, 6% of the withdrawal amount will be deducted as the withdrawal manual fee.
（5）UPWAY will process the withdrawal request within 2 hours from the date of receipt. If the withdrawal request is approved, the withdrawal amount is expected to be credited to the account within 24 hours for withdrawals larger than 100RMB, and within 3 days for withdrawals smaller than 100RMB, please refer to the actual situation.
（6）Due to third party reasons, the speed of payment processing is not within UPWAY's control and expectation. It is therefore highly unlikely that customers will be able to receive the amount withdrawn within 2 hours. Please refer to Clause 11 Guaranteed Deposit and Withdrawal Arrangements of the Client Agreement.

3. Exchange rates
All non-USD deposits will be converted to USD. Customers who wish to withdraw funds in myriad currencies will be converted from USD to their designated currencies by UPWAY at the prevailing market rate on the date of withdrawal. Customers who wish to withdraw funds in Hong Kong dollars will be converted from US dollars to Hong Kong dollars at a fixed exchange rate of 7.8. The Company reserves the right to change the above exchange rate without prior notice to the customer in accordance with market conditions.

4. Transaction codes
（1）UPWAY provides trading codes and clients can enable/disable this function in their account user center. The function of obtaining trade code for position opening and closing will not be activated by default after the client has successfully opened an account.
（2）UPWAY provides free trade codes for opening positions and charges for closing positions at a rate of $0.5 per lot.
（3）Position Opening / Closing Transaction Code and Client's Order Number are unique and non-duplicated.

5、Open account on the Internet
If the Client checks the "I have read and agree to the contents of the three agreements: "Personal Information, Financial Mobile Phone Evaluation and Necessity", "Main Characteristics of Spot Gold and Silver", and "Risk Factors of Spot Gold and Silver" in the account opening application form on the website of UPWAY or the App of UPWAY, the contents of the three agreements will have the same legal force and effect as this Client Agreement. We are not obligated to send the Client Agreement by mail. The Client Agreement will not be mailed separately, and the Client must come to our office to sign and receive the original Client Agreement.

6. JR Wallet
UPWAY Wallet is a secure and convenient customer money management system provided by UPWAY for its customers.
（1）Customers can deposit funds into JR Wallet, which can be transferred to and from their trading account / physical gold account.
（2）Deposits are automatically transferred to the trading account when the Deposit No-Transfer feature is enabled on JR Wallet. Withdrawals require a withdrawal request through the wallet.
（3）JR Wallet can effectively avoid trading risks for customers, the transfer of funds between the wallet and the trading account to the account in seconds, without the need for financial auditing, to solve the problem of the customer's injection of funds failed to reach the account in a timely manner and other issues.

Client Statement
I hereby declare that
1. The information and statements contained in this UPWAY User Usage Agreement are true, complete and correct;
2. I promise to assume all responsibility for the final orders issued;
3. I hereby acknowledge and agree that UPWAY may rely solely on the terms and conditions set forth in the UPWAY User Agreement for all purposes unless UPWAY receives notification of a change in this matter.
4. I understand and acknowledge that I have read the UPWAY User Agreement and the Risk Disclosure Statement set forth therein and that UPWAY has invited me to read the above Risk Disclosure Statement, ask questions, and seek independent advice (if I so desire).
5. I agree to be bound by the terms and conditions of the UPWAY User Agreement and understand and acknowledge that UPWAY may revise the terms and conditions of the Agreement from time to time.