USER AGREEMENT

By having registered with us and/or lending funds to us you automatically agree that:

1. Agreement regarding my/our intent to participant in the Joint Venture Program: 

A. I/we confirm that I/we am an accredited and experienced investor, as defined by the Securities Regulations for Private Investors under the Securities Act of 1933 and it’s amendments and hereby confirm and attest with full legal responsibility, under penalty of perjury, that I/we am ready, willing and able to enter into a private Joint Venture Agreement, subject to my/our approval of the participation contract and that I/we have full legal and bank acknowledged signatory control over the referenced assets which are immediately available and freely transferable by my/our-self without consent of any third party.

2. Affidavit regarding source of funds:

I/we certify with full responsibility, that these funds are free from any and all tax, imposts, levies, duties, charges, liens or encumbrances of any nature whatsoever, and are under my control and discretion, and are immediately available. I/we further attest that my/our funds are good, clear and legally earned or obtained, and of non-criminal origin.

3. Agreement regarding personal affiliations:

A. I/we hereby avow, state and represent under the risk and penalty of perjury, that I/we am not an informant, nor associated with any informant, nor with an government or government agency, domestic or international, including but not limited to internal Revenue Service’ (IRS), “Federal Bureau of Investigation” (FBI), “Central Intelligence Agency (CIA), “Securities and Exchange Commission” (SEC), “Her Majesty’s Police”, and “The Intelligence Services of Great Britain” and “Serious Fraud Office” (SFO), The “Inland Revenue Customs and Excise”, the “Banking Federation of the European Securities Market Association”, “Interpol”, “International Chamber of Commerce (ICC) Banking Commission”, or any other agency whose purpose is to gather information concerning this transaction.

B. I/we herein attests to the fact that I/we are not seeking out evidence which may serve as the basis for any charge of violating any laws or regulations of any nation or government. Declaration is also made that no aspect of this transaction has been or will be used as the basis for any charge of violating any laws or regulations of any nation or government. I/we release the Managing Partner and all associated parties from any criminal or civil liabilities and/or penalties as well as any losses incurred by my/our-self.

 C. I/we hereby confirm and attest that I/we am an accredited personage and that neither you nor anyone acting on your behalf has solicited me/us in anyway, that any transaction I/we engage in with you does not involve the sale of securities, and that the documents that I/we have and will receive shall not be deemed to be a solicitation, an inducement to contract, or associated with the sale of securities in any manner.

4. Agreement regarding my/our local legal issues:

I/we herein attest that the requested materials and business transactions will not violate any federal, state, or local laws, regulations, or community standard, and I/we agree to bear the full, complete, and sole responsibility for bringing such material into whatever community desired.

5. Agreement regarding legal reliance:

I/We understand that the contemplated transaction is strictly one of private placement and the contemplated transaction does not rely upon or relate to the United States Securities Act of 1933 as amended or related regulations, the Securities and Futures Commission in Hong Kong, or Section 57 of the Financial Services Act 1986 (the "FSA") in the United Kingdom, and does not involve the sale of securities, further, I/we understand that all materials and information received as a result of this Agreement are not intended for the general public and are for private informational use only.

 6. Agreement regarding informational use of received materials:

 A. I/We hereby confirm that I/we have requested of you and your representatives, specific confidential information and Documentation on behalf of my/our-self regarding your currently available Joint Venture Agreement to serve my/our interests and purposes only and not for further distribution. I/we hereby agree to keep all information received from you strictly confidential and proprietary. 

B. I/we hereby declare that I/we am fully aware that the information received or to be received from you is in direct response to my/our request and is not considered or intended to be a solicitation of any kind, or any type of offering, and is intended solely for my/our general knowledge only. I/we hereby affirm I/we have requested information from you and your representatives of my/our own choice and free will, and further, that you have not solicited me/us in any way. 

C. I/we confirm that I/we was not provided any forms of an “inducement to contract” such as quoting specific rates of return which may or may not be available. I/we further confirm that there are no written or implied guarantees of earnings provided by you in any literature, materials, conversations, or information furnished and that it has been clearly stated that all non-traditional business transactions (including the potential Joint Venture Agreement) carry a level degree of risk. I/we also further confirm that this transaction entails no payment of any “up front” fees for services you may provide me/us.  

D. We confirm that all my/our e-currency deposits are made by myself/ourselves the account holder only - and I/we acknowledge that THIRD PARTY TRANSFERS ARE NOT PERMITTED.

E. I/we acknowledge that the minimum loan deposit 100.- USD and that there are no restrictions as to a maximum deposit.

F. I/we confirm that we also acknowledge that the available methods for withdrawal gains and/or principal are available by Fax, E-Mail and on your personal account , and the minimum required time to honor withdrawals can vary between 20-30  business days under any available transfer method.   

J. I/we acknowledge that I/we  are not allowed to pool accounts, meaning I/we cannot have other people lending money to BFG International Holding S.A using my/our account. If I/we are found pooling accounts I/we will lose my/our loans and get my/our account closed. THERE IS NO EXCEPTIONS TO THIS RULE.

K. I/we acknowledge that there are no management fees DEDUCTED FROM YOUR RETURN ON LOANS ( IF ANY ) except for those fee charged by other systems and or third parties. 

7. Agreement regarding Accounting, Tax, and Legal advice in general:

 A. I/we affirm that I/we have not at any time, past or present, received any investment, legal, or tax advice, or a promise or implication of any monetary gain from you or your organization. Furthermore, I/we acknowledge that I/we have been advised to consult my/our own counsel and accountant in regards to tax, financial, accounting, legal, and related matters. 

B. I/we acknowledge that you and your organization have fully disclosed that you and your organization are not a licensed security trader, licensed securities broker, government employee, attorney, bank officer, CPA, or a certified financial planner, and that all Joint Venture activities are conducted by a non-American private individual in accordance with the mandate specified in a Joint Venture Agreement of which I/we am the Venture Partner.

 8. Agreement regarding the non-disclosure of confidential information:

 A. I/We, the undersigned, hereby confirm that I/we have requested of you and your organization specific confidential information and documentation on behalf of ourselves regarding a loan I/we seek to make and that any information you provide referencing a possible loan will only serve only my/our interest and purposes and not for distribution. I/We hereby agree to keep all information received from you strictly confidential and shall not disclose any of it to any third party.

 B. I/we understand that this is a highly confidential and private transaction and hereby fully agree to keep all aspects of this transaction, and any transaction now pending or in the future, strictly confidential for a period of five (5) years from the date of this Agreement. It is understood and agreed that the ICC Non-Disclosure, Non-Circumvention, and Force Majeure rules apply to this Agreement, the entire transaction, and the potential Joint Venture Agreement, and I hereby irrevocably agree to the current applicable standards of the International Chamber of Commerce which are incorporated herein by reference.

 C. I/we affirm that, for the purposes of this Agreement, “Confidential Information” shall be deemed all information, data, calculations, computer programs and software facilities, structures, projects, and capital enhancement services, facilities and programs, investment techniques, relationships, contacts, buyers and sellers, agents, consultants, clients, customers, intermediaries, banks, trusts, addresses, telephone numbers, facsimile numbers, telex numbers, e-mail and Internet access addresses, or other means of communication, and includes, not so as to limit the generality of the foregoing, bank information, transaction codes and references, bank coordinates, borrower and lender identification, government ministers and officials, business, trusts, corporations, groups, individuals, partners, brokers, terms and conditions, provisions and essential operation of all discussion, letters, faxes, memoranda, documents, contracts, leases, bank instruments, licenses, permits, privileges of any nature or kind which has been or will be disclosed, or discovered directly or indirectly by us or you / your organization. The identity of each shall remain confidential during negotiations, and for each contract or transaction, for the duration of this agreement. The information is considered to be the sole property of the originating party whose disclosure shall be at his/her discretion.

 D. I/we agree that should subsequent knowledge and passing of said information to certain parties, resulting in a loss to the Managing Partner in any way, the Venture Partner and any and all parties utilizing the Information shall be severely and wholly liable for such loss to the aggrieved party.

E. I/We hereby confirm that the Confidential Information is the property of the respective Parties, and that such information has commercial value.

 9. Agreement regarding my/our miscellaneous legal covenants:

 A. I/We affirm that this Agreement document is a binding full recourse commercial agreement. All sections herein shall conform to the International Chambers of Commerce (ICC) Rules and Regulations, latest edition.

B. I/We affirm that this Agreement document revokes, discharges, and supersedes all prior representation including warranties or agreements, written or oral, between the Parties concerning the subject matter of this Agreement document, except as specifically set forth herein.

 C. I/We hereby acknowledge and agree that I/we have been given the opportunity to independently review this agreement with legal council and/or has the requisite experience and sophistication to understand, interpret, and agree to the particular language of the provision hereof. In the event of ambiguity in, or dispute regarding the interpretation of it, the interpretation of this agreement shall not be resolved by any rule of interpretation providing interpretation against the Party who causes uncertainty to exist against the Managing Partner.

D. I/We hereby agree that each Party, hereto, acknowledges that each possesses other interest and business, and that this association is a non-exclusive association, and only relates to the commerce herein and/or hereafter as otherwise agreed to by the Parties, in writing.   

E. IN CASE OF ANY DISPUTE BETWEEN FORMER OR CURRENT PRIVATE LENDERS AND BFG International Holding S.A AS THE LOANER, THE LAWS OF PANAMA SHALL GOVERN THE TERMS AND PROVISIONS OF THE USER AGREEMENT AND ANY DISPUTES ARISING. ANY LITIGATION, CLAIM, OR LAWSUIT DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATED TO THE PRIVATE LENDER AGREEMENT, AND TERMS THEREOF OR THE RELATIONSHIPS CREATED THEREBY SHALL BE INSTITUTED EXCLUSIVELY IN THE COURTS OF PANAMA.

F. It is agreed that this facsimile Agreement document and any other documents as necessary, duly signed by me/us are deemed effective and legally binding as a delivered original. This Affidavit may be signed in several counterparts, each of which shall be deemed an original and may be transmitted by facsimile.

G. I/We confirm that with my/our acceptance, all corporations, organizations, companies, or individuals of which the I/We are a part to, or who would financially benefit from this association, are bound by this Agreement.