Customer Agreement

1. Customer Agreement: This Agreement ("Agreement") governs the relationship between Customer and BrickFi Inc ("BrickFi"). If this Agreement varies from the BrickFi website, this Agreement controls. This Agreement cannot be amended or waived except in writing by a BrickFi officer. Customer Service employees cannot amend or waive any part of this Agreement. Customer acknowledges that BrickFi may revise this Agreement by sending notice of the revised Agreement by e-mail or upon Customer log-in. Customer's use of BrickFi after such notice constitutes acceptance of the revised Agreement.

2. No Investment, Tax or Trading Advice: BrickFi representatives are not authorized to provide investment, tax or trading advice or to solicit orders. Nothing on BrickFi's website is a recommendation or solicitation to buy or sell securities, futures or other investments.

3. Responsibility for Customer Orders/Trades: Customer acknowledges that BrickFi does not know whether someone entering orders with Customer's user name/password is Customer. Unless BrickFi is notified and agrees, Customer will not allow anyone to access Customer's account. Customer is responsible for the confidentiality and use of Customer's user name/password and agrees to report any theft/loss of such user name/password, or any unauthorized access to Customer's account, immediately by e-mail or electronically through the BrickFi website. Customer remains responsible for all transactions entered using Customer's user name/password.

4. Order Cancellation/Modification: Customer acknowledges that it may not be possible to cancel/modify an order and that Customer is responsible for executions notwithstanding a cancel/modify request.

5. Order Execution: BrickFi shall execute Customer orders as agent, unless otherwise confirmed. BrickFi can execute Customer orders as principal. BrickFi may use another broker, or an affiliate, to execute orders, and they have benefit of all BrickFi 's rights hereunder. BrickFi may decline any Customer order, or terminate Customer's use of BrickFi 's services at any time in BrickFi 's discretion. All transactions are subject to rules and policies of relevant markets and clearinghouses, and applicable laws and regulations.
BRICKFI IS NOT LIABLE FOR ANY ACTION OR DECISION OF ANY EXCHANGE, MARKET, DEALER, CLEARINGHOUSE OR REGULATOR.

6. Confirmations:

7. Proprietary Trading - Display of Customer Orders: Subject to all laws and regulations, Customer authorizes BrickFi to execute proprietary trades of itself and its affiliates, though BrickFi may simultaneously hold unexecuted Customer orders for the same products at the same price.

8. Customer Qualification: Customer warrants that his, her or its application is true and complete; will promptly notify BrickFi of any information changes; and authorizes BrickFi to make any inquiry to verify information.

9. Margin:

10. BrickFi's Right to Loan/Pledge Customer Assets: As allowed by law, BrickFi is authorized by Customer to lend to itself or others Customer securities or assets. BrickFi may, without notice, pledge, re-pledge, hypothecate or re-hypothecate Customer's securities and assets, separately or together with those of other customers, for any amount due in any BrickFi account in which Customer has an interest, without retaining in BrickFi's possession or control a like amount of assets. For loans of securities, BrickFi may receive financial and other benefits to which Customer is not entitled. Such loans could limit Customer's ability to exercise securities' voting rights.

11. Security Interest: All assets of any kind held by or on behalf of BrickFi for Customer's account are hereby pledged to BrickFi and are subject to a perfected first priority lien and security interest in BrickFi's favor to secure performance of obligations and liabilities to BrickFi arising under this or any other Agreement.

12. No Restricted Securities. Unless Customer has notified BrickFi to the contrary, no assets held as Collateral are restricted securities, as such term is defined pursuant to Rule 144 under the Securities Act of 1933, (the Securities Act), or securities of an issuer with which Customer is an affiliate, and Customer will not attempt to sell such shares through BrickFi without prior notice to and consent of BrickFi.

13. Event of Default: A "Default" occurs automatically, without notice upon: (i) Customer breach/repudiation of any agreement with BrickFi; (ii) Customer failure to provide assurance satisfactory to BrickFi of performance of an obligation, after request from BrickFi in BrickFi 's sole discretion; (iii) proceedings by/against Customer under any bankruptcy, insolvency, or similar law; (iv) assignment for the benefit of Customer's creditors; (v) appointment of a receiver, trustee, liquidator or similar officer for Customer or Customer property; (vi) Customer representations being untrue or misleading when made or later becoming untrue; (vii) legal incompetence of Customer; (viii) proceeding to suspend Customer's business or license by any regulator or organization; (ix) BrickFi having reason to believe that any of the foregoing is likely to occur imminently. Customer unconditionally agrees that, upon a Default, BrickFi may terminate any or all BrickFi's obligations to Customer and BrickFi shall have the right in its discretion, but not the obligation, without prior notice, to liquidate all or any part of Customer's positions in any BrickFi account, individual or joint, at any time and any manner. Customer shall reimburse and hold BrickFi harmless for all actions, omissions, costs, fees (including, but not limited to, attorney's fees), or liabilities associated with any Customer Default or any transaction undertaken by BrickFi upon Default.

14. Suspicious Activity: If BrickFi in its sole discretion believes that a Customer account has been involved in any fraud or crime or violation of laws or regulations, or has been accessed unlawfully, or is otherwise involved in any suspicious activity (whether victim or perpetrator or otherwise), BrickFi may suspend or freeze the account or any privileges of the account, may freeze or liquidate funds or assets, or may utilize any of the remedies in this Agreement for a "Default".

15. Multi-Currency Function in BrickFi Accounts:

16. Commissions and Fees, Interest Charges, Funds: Commissions and fees are as specified on the BrickFi website unless otherwise agreed in writing by an officer of BrickFi. Customer acknowledges that BrickFi deducts commissions/fees from Customer accounts, which will reduce account equity. Positions will be liquidated if commissions or other charges cause a margin deficiency. Changes to commissions/fees are effective immediately upon either of: posting on the BrickFi website or e-mail or other written notice to Customer. BrickFi shall pay credit interest to and charge debit interest from Customer at interest rates and terms on the BrickFi website. Customer funds will not be disbursed until after transactions are settled. Terms and conditions for deposit and withdrawal of funds (including holding periods) are as specified on the BrickFi website.

17. Account Deficits: If a cash account incurs a deficit, margin interest rates will apply until the balance is repaid, and BrickFi has the right, but not the obligation, to treat the account as a margin account. Customer agrees to pay reasonable costs of collection for any unpaid Customer deficit, including attorneys' and collection agent fees.

17. License to Use BrickFi Software: BrickFi grants Customer a non-exclusive, non-transferable license to use BrickFi Software solely as provided herein. Title to BrickFi Software and updates shall remain the sole property of BrickFi, including all patents, copyrights and trademarks. Customer shall not sell, exchange or transfer the BrickFi Software to others. Customer shall not copy, modify, translate, decompile, reverse engineer, disassemble or reduce to a human readable form, or adapt, the BrickFi Software or use it to create a derivative work, unless authorized in writing by an officer of BrickFi. BrickFi is entitled to immediate injunctive relief for threatened breaches of these undertakings.

18. LIMITATION OF LIABILITY AND LIQUIDATED DAMAGES PROVISION: CUSTOMER ACCEPTS THE BRICKFI SYSTEM "AS IS", AND WITHOUT WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE, PURPOSE OR APPLICATION; TIMELINESS; FREEDOM FROM INTERRUPTION; OR ANY IMPLIED WARRANTIES ARISING FROM TRADE USAGE, COURSE OF DEALING OR COURSE OF PERFORMANCE. UNDER NO CIRCUMSTANCES SHALL BRICKFI BE LIABLE FOR ANY PUNITIVE, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL LOSS OR DAMAGES, INCLUDING LOSS OF BUSINESS, PROFITS OR GOODWILL. BRICKFI SHALL NOT BE LIABLE TO CUSTOMER BY REASON OF DELAYS OR INTERRUPTIONS OF SERVICE OR TRANSMISSIONS, OR FAILURES OF PERFORMANCE OF THE BRICKFI SYSTEM, REGARDLESS OF CAUSE, INCLUDING, BUT NOT LIMITED TO, THOSE CAUSED BY HARDWARE OR SOFTWARE MALFUNCTION; GOVERNMENTAL, EXCHANGE OR OTHER REGULATORY ACTION; ACTS OF GOD; WAR, TERRORISM, OR BRICKFI'S INTENTIONAL ACTS. CUSTOMER RECOGNIZES THAT THERE MAY BE DELAYS OR INTERRUPTIONS IN THE USE OF THE BRICKFI SYSTEM, INCLUDING, FOR EXAMPLE, THOSE CAUSED INTENTIONALLY BY BRICKFI FOR PURPOSES OF SERVICING THE BRICKFI SYSTEM. IN NO EVENT SHALL BRICKFI'S LIABILITY, REGARDLESS OF THE FORM OF ACTION AND DAMAGES SUFFERED BY CUSTOMER, EXCEED THE HIGHEST TOTAL MONTHLY COMMISSIONS PAID BY CUSTOMER TO BRICKFI OVER THE 6 MONTHS PRIOR TO ANY INCIDENT.

19. Customer Must Maintain Alternative Trading Arrangements: Computer-based systems such as those used by BrickFi are inherently vulnerable to disruption, delay or failure. CUSTOMER MUST MAINTAIN ALTERNATIVE TRADING ARRANGEMENTS IN ADDITION TO CUSTOMER'S BRICKFI ACCOUNT FOR EXECUTION OF CUSTOMER'S ORDERS IN THE EVENT THAT THE BRICKFI SYSTEM IS UNAVAILABLE. By signing this Agreement, Customer represents that Customer maintains alternative trading arrangements.

20. Consent To Accept Electronic Records And Communications: BrickFi provides electronic trade confirmations, account statements, tax information, proxy materials and other Customer records and communications (collectively, "Records and Communications") in electronic form to the maximum extent permitted by applicable law. Electronic Records and Communications may be sent to Customer's Trader Workstation ("TWS") or to Customer's e-mail address, or for security purposes may be posted on the BrickFi website or on the secure website of one of BrickFi’s service providers and customer will need to log in and retrieve the Communication. By entering into this Agreement, Customer consents to the receipt of electronic Records and Communications. Such consent will apply on an ongoing basis and for every tax year unless withdrawn by Customer. Customer may withdraw such consent at any time by providing electronic notice to BrickFi through the BrickFi website. If Customer withdraws such consent, BrickFi will provide required Records and Communications (e.g., tax documents, proxy materials, etc.) in paper form upon request by e-mail or via the BrickFi website. However, BrickFi reserves the right to require Customer to close Customer's account if Customer withdraws consent to receiving electronic delivery of Records and Communications. In order to trade using the BrickFi TWS, and to receive Records and Communications through the TWS, there are certain system hardware and software requirements, which are described on the BrickFi website at brickfi.com. Since these requirements may change, Customer must periodically refer to the BrickFi website for current system requirements. To receive electronic mail from BrickFi, Customer is responsible for maintaining a valid Internet e-mail address and software allowing customer to read, send and receive e-mail. Customer must notify BrickFi immediately of a change in Customer's e-mail address by using those procedures to change a Customer e-mail address that may be available on the BrickFi website.

21. Miscellaneous:

22. Mandatory Arbitration:

THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE IN PARAGRAPH 22. BY SIGNING THIS AGREEMENT I ACKNOWLEDGE THAT THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE AND THAT I HAVE RECEIVED, READ AND UNDERSTOOD THE TERMS THEREOF.

Signatures:

I hereby declare that the information provided herein is true and correct. I also understand I am entitled to promptly notify BrickFi of any information changes, and authorize BrickFi to make any inquiry to verify the information.

Account Name: John Doe

Date: Feb 20, 2023

I hereby acknowledge that this Agreement is electronically signed and that electronic signatures appearing on this Agreement or such other documents are the same as handwritten signatures for the purposes of validity, enforceability, and admissibility.
I hereby acknowledge that I have read and understood all the information provided above.

Signature: John Doe

Vladislav Muradkhanov

Vladislav Muradkhanov
Customer Service Representative
BrickFi Inc