THESE TERMS AND CONDITIONS (TERMS") SET OUT THE TERMS ON WHICH CREDITS DESIGNED LIMITED (TRADING AS CREDITS

DESIGNED) (COMPANY REGISTRATION NUMBER 8566427 AND HAVING ITS REGISTERED ADDRESS AT 70 WOODLAND DRIVE, MANSFIELD, NH18 4JL, ENGLAND (CREDITS DESIGNED, US, WE, OUR) PROVIDE YOU (YOU, YOUR USER) WITH ACCESS TO THE SERVICES LOCATED AT HTTP://CREDITSDESIGNED.WEEBLY.COM/ ("THE WEBSITE"). PLEASE READ THESE TERMS CAREFULLY AND ENSURE THAT YOU HAVE UNDERSTOOD THEM. BY CLICKING ON THE BUTTON MARKED I ACCEPT OR BY VIEWING OR USING ANY PART OF THE WEBSITE, YOU WARRANT THAT YOU UNDERSTAND AND ACCEPT THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE CEASE USE OF THE WEBSITE IMMEDIATELY. IF YOU ARE ACCESSING THE WEBSITE AND USING THE SERVICES ON BEHALF OF A COMPANY OR ORGANISATION, YOU HEREBY WARRANT AND REPRESENT THAT YOU HAVE THE FULL CAPACITY AND AUTHORITY TO AGREE TO THESE TERMS ON BEHALF OF THE COMPANY OR ORGANISATION. THE COMPANY OR ORGANISATION WILL BE BOUND BY THESE TERMS. YOU ARE ADVISED TO PRINT AND RETAIN A COPY OF THESE TERMS FOR YOUR FUTURE REFERENCE. IMPORTANT NOTICE: YOU ARE ACTING AS A CONSUMER IF YOU USE THE SERVICES FOR PRIVATE MEANS AND NOT FOR ANY COMMERCIAL PURPOSES. YOU ARE ACTING AS A BUSINESS IF YOU USE SERVICES ON BEHALF OF A COMPANY OR ORGANISATION OR IN THE COURSE OF BUSINESS FOR ANY COMMERCIAL PURPOSES. YOU AND CREDITS DESIGNED HEREBY AGREE AS FOLLOWS: 1.0 DEFINITIONS The following words and expressions shall have the following meanings: Charges means the non-refundable charges payable by you for the Chargeable Content, as specified on the Website from time to time; Chargeable Content means the specific trade commentaries available through the Website, subject to payment of Charges; Content means the commentary, information and materials, including the Chargeable Content, provided by Credits Designed through the Services; Contract means the contract between us and you for the applicable Services and which incorporates these Terms; Intellectual Property Rights means all intellectual property rights including without limitation, performers reproduction rights, performers distribution rights, performers rental rights and performers lending rights (collectively referred to as Performers Property Rights), patents, utility models, trade and service marks, trade names, domain names, right in designs, copyrights, moral rights, topography rights, rights in databases, trade secrets and know-how and in all cases whether or not registered or register able and including registrations and applications for registration of any of these and rights to apply for the same, and all rights and forms of protection of a similar nature or having equivalent or similar effect to any of these anywhere in the world; Network means the electronic communications network used by us to provide the Services; Services means the services and Content made available by us to you through the Website, which are more particularly described on the Website. 2.0 2.1 INFORMATION ABOUT CREDITS DESIGNED The Website is owned and managed by Credits Designed Limited (trading as Credits Designed company registration number 8566427 incorporated and

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registered in England and Wales and having its registered address at 70 Woodland Drive, Mansfield, NH18 4JL. Credits Designed may be contacted by email credits.designed4u@gmail.com

3.0 USE OF THE WEBSITE 3.1 By using the Website you warrant, represent and undertake that: 3.1.1 you are legally capable of entering into a binding contract; and 3.1.2 you are at least eighteen (18) years old, and for the avoidance of doubt, we may terminate these Terms in the event we find you to be in breach of this clause 3.1. 3.2 You may access certain Content available through the Website for free, but you acknowledge that the Chargeable Content provided through the Website will only be available subject to payment of the applicable Charges. 3.3 You hereby warrant that the information provided by you to us is true, accurate and correct. You further warrant that you shall promptly notify us in the event of any changes to such information. 3.4 By using the Website and the Services, you warrant that you have the right, authority and capacity in respect of your status to enter into and be bound by these Terms. 4.0 4.1 4.2 FORMATION OF THE CONTRACT BETWEEN YOU AND CREDITS DESIGNED The date of commencement of your Contract with us shall be upon your first view of the Website and such Contract shall be effective and in force until terminated by either party in accordance with clause 9 herein. Notwithstanding the foregoing, we reserve the right at our sole and absolute discretion and for whatever reason to refuse you access to the Service (in part or in whole). OUR OBLIGATIONS TO YOU We will use our reasonable endeavours to make the Services available to you at all times, but we cannot guarantee an uninterrupted or fault free service. Our ability to provide the Services may be impaired by conditions or circumstances that are beyond our control, including, without limitation third party service providers, geographic or atmospheric conditions, local physical obstructions, software and hardware features or functionality of your personal computer, operating system and the number of other Users logging onto the Website, server and Network at the same time. We shall take reasonable action to minimise the disruption caused by such circumstances but you acknowledge, agree and accept that some such interruptions may not be avoidable. The Network is not controlled by us and may from time to time be upgraded, modified, subject to maintenance work or otherwise amended by the owner of the Network. Such circumstances may result in the Services being temporarily unavailable. We will take reasonable action to minimise the disruption caused by such circumstances, but some such interruptions may not be avoidable. We reserve the right to make changes to the Services and the Website or part thereof, from time to time at our sole discretion, and we may from time to time update, add, remove, modify and/or vary any elements of features and functionalities of the Services. We also reserve the right to impose Charges in respect of certain features and functionality of the Services and Website. The amount of such Charges and the payment terms shall be as detailed on the Website or in these Terms from time to time.

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YOUR OBLIGATIONS, RESPONSIBILITIES AND WARRANTIES TO US You shall comply with all applicable laws, regulations, directives and legislations regulating your use of the Website and/or Services. 6.2 If you are a consumer, you shall not use the Content for any commercial purposes. 6.3 The Website is protected by Intellectual Property Rights. It may not be used except as provided in these Terms or in accordance with any written permissions from us.

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You will not use any registered or unregistered trade marks on the Website without either our prior written permission or the prior written permission of the relevant trade mark owner. 6.5 You hereby warrant and undertake to us that you have the legal capacity to enter into these Terms and you shall at all times: 6.5.1 not do anything likely to impair, interfere with or damage or cause harm or distress to any persons, or the Network; 6.5.2 not re-sell, promote for resale the Services or engage in any other similar activities; 6.5.3 comply with reasonable instructions issued by us from time to time relating to the Services; 6.5.4 co-operate with any reasonable security or other checks or requests for information made by us from time to time; 6.5.5 not use the Services and/or not do anything that will infringe any Intellectual Property Rights or other rights of any third parties; 6.5.6 contact our customer service immediately by emailing us at credits.designed4u@gmail.com if you suspect fraudulent, unlawful or illegal use of the Services; 6.5.7 notify us immediately of any circumstances where any Intellectual Property Rights or any other rights of any third party may have been infringed; 6.5.8 strictly comply with such fair and acceptable usage policy as we have in operation from time to time and available on our Website; 6.5.9 use the information retrieved from the Services and the Website at your own risk and that you shall be solely responsible for any illegal conduct, infringement of any third party intellectual property rights and/or any breaches of any applicable laws and legislations. 6.6 We may provide you with login details to access the certain features and functionalities of the Service. You shall keep your login details confidential and secure. Without prejudice to our other rights and remedies, we reserve the right to promptly disable your login details and suspend your access to the Service (in part or in whole) in accordance with clause 9 if we have reason to believe that you have breached this clause 6.5. 6.7 For the avoidance of doubt, you shall at all times be fully liable for the breach of any of these Terms by a third party using your login details to access the Services. 6.8 We reserve the right from time to time to monitor your use of the Website. 6.9 Subject to clause 9, we reserve the right, in our sole discretion, to take any action that we deem necessary and appropriate, including but not limited to termination of your use of the Services, in the event we consider that there is a breach or threatened breach of the terms set out in this clause 6. 7.0 7.1 CHARGEABLE CONTENT Credits Designed will make Chargeable Content available on the Website from time to time. In order to access the Chargeable Content, you will need to follow the instructions provided on the Website. By providing your e-mail address, you consent to Credits Designed communicating with you by e-mail. On receipt of your request for the Chargeable Content, Credits Designed will send you an e-mail confirming your request and the Charges payable. Charges are payable in advance using the acceptable methods set out on the Website. For the avoidance of doubt, all Charges are exclusive of VAT or any other taxes which may be applicable. Credits Designed reserves the right to withhold any Chargeable Content in the event it has not received payment of any applicable Charges from you. If you are using the Website as a consumer and you have requested and paid Charges in respect of any Chargeable Content, you may cancel and request a refund of the relevant Charges by sending a request by e-mail to credits.designed4u@gmail.com within 7 days of the date on which the Charges were paid. Please note that where you have received the Chargeable Content to which the Charges relate, no right of cancellation will apply.

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INTELLECTUAL PROPERTY AND OTHER PROPRIETARY RIGHTS Credits Designed and its licensors own all rights in the intellectual property rights relating to the Website and the Services. Unless otherwise expressly set out to the contrary, nothing in these Terms shall serve to transfer from us to you, any Intellectual Property Rights in the Content or the Website and all rights, title and interest in and to such Intellectual Property Rights will remain exclusively with us and/or its licensors. 8.2 You may print off one copy and you may download extracts of any Content: 8.2.1 if you are a consumer, for your own personal use; or 8.2.2 if you are a business, for the internal use of your company or organisation. 8.3 Save as otherwise permitted under these Terms, you are expressly prohibited from: 8.3.1 reproducing, copying, editing, transmitting, uploading or incorporating into any other materials, any of the Content; 8.3.2 removing, modifying, altering or using any registered or unregistered marks/logos owned by us and/or doing anything which may be seen to take unfair advantage of the reputation and goodwill of the Website or could be considered an infringement of any of the Intellectual Property Rights owned and/or licensed to us without first obtaining the written permission of the owner of those Intellectual Property Rights. 9.0 OUR RIGHTS TO TERMINATE AND SUSPEND THE PROVISION OF THE SERVICE 9.1 We may suspend or terminate your use of the Services and/or Website: 9.1.1 if the Network owner ceases to make the Network available to us; 9.1.2 if we believe that you or someone using your login details has failed to comply with one or more of these Terms; or 9.1.3 if we believe that there has been fraudulent use, misuse or abuse of the Service; 9.1.4 if we believe that you have provided us with any false, inaccurate or misleading information; or 9.1.5 if we believe you are in the business of re-selling, promoting the Services for resale or if you are otherwise engaged in other similar activities. 9.2 On termination, your access to the Services shall cease and delete, remove and/or destroy any Content in your possession. 10.0 DISCLAIMER 10.1 Any Content and other news, opinions, research, data, or information contained within this Website is provided as general market commentary and shop windows our own trading strategy only and does not constitute investment or Forex currency trading advice. Forex, Futures, Stock, and/or Options trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the Forex, Futures, Stock, and/or Options markets. Dont trade with money you cant afford to lose. This is neither a solicitation nor an offer to Buy/Sell Currencies, Forex, Futures, Stock, and Options. No warranty or representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this Website. The high degree of leverage that is often obtainable in Forex trading can work against you as well for you. The use of said leverage can lead to large losses as well as gains. The past performance of any commentary, trading system or methodology is not necessarily indicative of future results. 10.2 All Content published on the Website is intended as information only and does not constitute advice of any nature. Therefore, it must not be relied on to assist in making or refraining from making a decision, or to assist in deciding on a course of action. Your use and reliance on the Content shall be at your own risk and we shall not be liable whatsoever for any damages or loss which you may incur as a result of or in connection with your use and reliance of such Content.

We shall not be liable for any losses, damages, claims, cost or expenses incurred by you as a result of using or relying on the Services. 10.3 The Website is not intended for distribution, or use by, any person in any country where such distribution or use would be contrary to local law or regulations. None of the Services referred to on the Website are available to persons residing in any country where the provision of such services would be contrary to local law or regulation. It is your responsibility as a visitor to this Website to ascertain the terms of and comply with any local law or regulation to which you are subject. 10.4 The Content is subject to change at any time without notice, and is provided for the sole purpose of commentary on Credits Designed own Forex investment decisions. 11.0 WARRANTIES, LIABILITIES AND INDEMNITIES 11.1 We do not warrant, represent or guarantee any specific results from your use of the Website and the Services. Unless expressly provided to the contrary in these Terms, to the maximum extent permitted by law, we exclude all liability on account of the accuracy, correctness, suitability, completeness, timeliness or otherwise of all information published or made available to you on the Website, including without limitation the Content. 11.2 IF YOU ARE A CONSUMER 11.2.1 Subject to clause 11.4, if We fail to comply with these Terms and Conditions, We shall only be liable to you for any losses that you suffer as a result of our failure to comply (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) which are a foreseeable consequence of such failure, up to a maximum of one hundred pounds sterling (100). 11.2.2 Subject to Clause 11.4, We will not be liable for any losses, damages, costs or expenses that fall into the following categories and which resulted from our failure to comply with these Terms and Conditions: 11.2.2.1 loss, damages, costs and expenses which were not reasonably foreseeable and could not have been reasonably foreseeable by you or Epoda on entering the Agreement; 11.2.2.2 loss of any anticipated outcome or anticipated savings, loss of opportunity or loss of income from use of the Software, unless such losses are set out in these Terms. 11.3 IF YOU ARE A BUSINESS 11.3.1 Subject to clause 11.4, Credits Designeds maximum aggregate liability to you under, arising from or in connection with these Terms, whether arising in contract, tort (including negligence) or otherwise, shall not exceed the Charges paid by you to Credits Designed under this Contract. 11.3.2 Credits Designed will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with these Terms for: 11.3.2.1 any loss of profits, sales, business, or revenue; 11.3.2.2 loss or corruption of data, information; 11.3.2.3 loss of business or business opportunity; 11.3.2.4 loss of management time or damages; 11.3.2.5 loss of anticipated savings; 11.3.2.6 loss of investments (financial or otherwise); 11.3.2.7 loss of reputation or goodwill; or 11.3.2.8 any indirect or consequential incidental or special loss,whether or not caused by or resulting from our negligence or a breach of our statutory duties or a breach of our obligations hereunder, howsoever caused and even if we are advised of the possibility of such loss 11.4 Nothing in these Terms shall serve to limit or exclude your or our liability for death or personal injury resulting from your or our negligence or any liability for fraudulent misrepresentation, or such other matter for which it would be illegal for us to exclude or attempt to limit out liability.

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In the event that a claim or action is brought against us arising from your activities or use of the Services and/or the Website, including any breach by you of these Terms or any charges or complaints made by other parties against you, you agree to pay, hold harmless and defend Credits Designed in such claim or action. You also agree to co-operate as fully as reasonably required in the defence of any claim and allow us to assume the exclusive defence and control of the matter. Advertisements, sponsors and links to third party websites may appear on the Website. Such third party websites are not our responsibility and we accept no responsibility for the availability, suitability, reliability or content of such advertisements, sponsors and third party websites and do not endorse the views expressed within them.

12.0 DATA PROTECTION AND PRIVACY POLICY 12.1 Credits Designed processes your personal data (as such term is defined in the Data Protection Act 1998) in accordance with its Privacy Policy which is accessible here. The terms of the Privacy Policy form part of these Terms and you agree to be bound by them. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate. 13.0 VIRUS HACKING AND OTHER OFFENCES 13.1 You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to our site. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack. 13.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. Credits Designed will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately. 13.3 Credits Designed will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it. 14.0 MISCELLANEOUS 14.1 We may alter or amend our Terms by giving you reasonable notice. By continuing to use the Website after expiry of the notice period, or accepting the amended Terms by ticking the relevant box (as we may decide at our sole discretion), you will be deemed to have accepted any amendment to these Terms. If, on receipt of such notice, you wish to terminate your Contract you may do so by giving us not less than 7 (seven) days written notice, (which may be by e-mail), such termination to take effect on the date upon which the amended Terms would otherwise have come into effect. 14.2 These Terms shall be governed by and construed in accordance with the laws of England and Wales and you irrevocably submit to the exclusive jurisdiction of the courts of England and Wales to settle any dispute which may arise out of or in connection with these Terms. 14.3 These Terms do not create any rights under the Contracts (Rights of Third Parties) Act 1999 ("Act") which are enforceable by any person who is either not a party to them or who is not a provider of the relevant goods and/or services. 14.4 You may print and keep a copy of these Terms, which form the entire agreement between you and us and supersede any other communications or advertising with respect to the Website. You acknowledge that in entering into these Terms, you have not relied on any representations, undertaking or promise given by or

implied from anything said or written whether on the Website, the internet or in negotiation between us except as expressly set out in these Terms. 14.5 No delay in exercising or non-exercise by you or us of any rights under or in connection with these Terms shall operate as a waiver or release of each of your or our right. Rather, any such waiver or release must be specifically granted in writing and signed by the party granting it. 14.6 If any of these Terms is determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which shall continue to be valid to the fullest extent permitted by law. 14.7 We shall not incur any liability to you on account of any loss or damage resulting from any delay or failure to perform all or any part of these Terms if such delay or failure is caused, in whole or in part, by events, occurrences, or causes beyond our control. Such events, occurrences or causes will include, without limitation, acts of God, strikes, lockouts, server and network failure, riots, acts of war, earthquakes, fire and explosions, acts of terrorism and sickness or indisposition of key Credits Designed employees or representatives.