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LEGAL DISCLAIMER

PLEASE READ THE ENTIRETY OF THIS "LEGAL DISCLAIMER" SECTION CAREFULLY.

NOTHING HEREIN CONSTITUTES LEGAL, FINANCIAL, BUSINESS OR TAX ADVICE AND

YOU SHOULD CONSULT YOUR OWN LEGAL, FINANCIAL, TAX OR OTHER PROFESSIONAL

ADVISOR(S) BEFORE ENGAGING IN ANY ACTIVITY IN CONNECTION HEREWITH. NEITHER

ERDOS VENTURES INC. (THE COMPANY), ANY OF THE PROJECT TEAM MEMBERS (THE

ZKLEND TEAM) WHO HAVE WORKED ON ZKLEND (AS DEFINED HEREIN) OR PROJECT TO

DEVELOP ZKLEND IN ANY WAY WHATSOEVER, ANY DISTRIBUTOR/VENDOR OF ZEND

TOKENS (THE DISTRIBUTOR), NOR ANY SERVICE PROVIDER SHALL BE LIABLE FOR ANY

KIND OF DIRECT OR INDIRECT DAMAGE OR LOSS WHATSOEVER WHICH YOU MAY

SUFFER IN CONNECTION WITH ACCESSING THE PAPER, DECK OR MATERIAL RELATING

TO ZEND (THE TOKEN DOCUMENTATION) AVAILABLE ON THE WEBSITE AT

HTTP://ZKLEND.COM (THE WEBSITE, INCLUDING ANY SUB-DOMAINS THEREON) OR ANY

OTHER WEBSITES OR MATERIALS PUBLISHED BY THE COMPANY.

Project purpose: You agree that you are acquiring ZEND to participate in zkLend and to obtain services

on the ecosystem thereon. The Company, the Distributor and their respective affiliates would develop and

contribute to the underlying source code for zkLend. The Company is acting solely as an arms’ length

third party in relation to the ZEND distribution, and not in the capacity as a financial advisor or fiduciary

of any person with regard to the distribution of ZEND.

Nature of the Token Documentation: The Token Documentation is a conceptual paper that articulates

some of the main design principles and ideas for the creation of a digital token to be known as ZEND.

The Token Documentation and the Website are intended for general informational purposes only and do

not constitute a prospectus, an offer document, an offer of securities, a solicitation for investment, any

offer to sell any product, item, or asset (whether digital or otherwise), or any offer to engage in business

with any external individual or entity provided in said documentation. The information herein may not be

exhaustive and does not imply any element of, or solicit in any way, a contractual relationship. There is

no assurance as to the accuracy or completeness of such information and no representation, warranty or

undertaking is or purported to be provided as to the accuracy or completeness of such information. Where

the Token Documentation or the Website includes information that has been obtained from third party

sources, the Company, the Distributor, their respective affiliates and/or the zkLend team have not

independently verified the accuracy or completeness of such information. Further, you acknowledge that

circumstances may change and that the Token Documentation or the Website may become outdated as a

result; and neither the Company nor the Distributor is under any obligation to update or correct this

document in connection therewith.

Token Documentation: Nothing in the Token Documentation or the Website constitutes any offer by the

Company, the Distributor, or the zkLend team to sell any ZEND (as defined herein) nor shall it or any part

of it nor the fact of its presentation form the basis of, or be relied upon in connection with, any contract or

investment decision. Nothing contained in the Token Documentation or the Website is or may be relied

upon as a promise, representation or undertaking as to the future performance of zkLend. The agreement

between the Distributor (or any third party) and you, in relation to any distribution or transfer of ZEND, is

to be governed only by the separate terms and conditions of such agreement.

The information set out in the Token Documentation and the Website is for community discussion only

Draft for open community to review and subject to changes

and is not legally binding. No person is bound to enter into any contract or binding legal commitment in

relation to the acquisition of ZEND, and no digital asset or other form of payment is to be accepted on the

basis of the Token Documentation or the Website. The agreement for distribution of ZEND and/or

continued holding of ZEND shall be governed by a separate set of Terms and Conditions or Token

Distribution Agreement (as the case may be) setting out the terms of such distribution and/or continued

holding of ZEND (the Terms and Conditions), which shall be separately provided to you or made

available on the Website. The Terms and Conditions must be read together with the Token

Documentation. In the event of any inconsistencies between the Terms and Conditions and the Token

Documentation or the Website, the Terms and Conditions shall prevail.

Deemed Representations and Warranties: By accessing the Token Documentation or the Website (or

any part thereof), you shall be deemed to represent and warrant to the Company, the Distributor, their

respective affiliates, and the zkLend team as follows:

(a) in any decision to acquire any ZEND, you have not relied on and shall not rely on any statement set

out in the Token Documentation or the Website;

(b) you will and shall at your own expense ensure compliance with all laws, regulatory requirements and

restrictions applicable to you (as the case may be);

representation of value or liquidity for ZEND, and ZEND is not an investment product nor is it

intended for any speculative investment whatsoever;

(d) none of the Company, the Distributor, their respective affiliates, and/or the zkLend team members

shall be responsible for or liable for the value of ZEND, the transferability and/or liquidity of ZEND

and/or the availability of any market for ZEND through third parties or otherwise; and

(e) you acknowledge, understand and agree that you are not eligible to participate in the distribution of

ZEND if you are a citizen, national, resident (tax or otherwise), domiciliary and/or green card holder

of a geographic area or country (i) where it is likely that the distribution of ZEND would be construed

as the sale of a security (howsoever named), financial service or investment product and/or (ii) where

participation in token distributions is prohibited by applicable law, decree, regulation, treaty, or

administrative act (including without limitation the United States of America, Canada, and the

People's Republic of China); and to this effect you agree to provide all such identity verification

document when requested in order for the relevant checks to be carried out.

The Company, the Distributor and the zkLend team do not and do not purport to make, and hereby

disclaims, all representations, warranties or undertaking to any entity or person (including without

limitation warranties as to the accuracy, completeness, timeliness, or reliability of the contents of the

Token Documentation or the Website, or any other materials published by the Company or the

Distributor). To the maximum extent permitted by law, the Company, the Distributor, their respective

affiliates and service providers shall not be liable for any indirect, special, incidental, consequential or

other losses of any kind, in tort, contract or otherwise (including, without limitation, any liability arising

from default or negligence on the part of any of them, or any loss of revenue, income or profits, and loss

of use or data) arising from the use of the Token Documentation or the Website, or any other materials

published, or its contents (including without limitation any errors or omissions) or otherwise arising in

connection with the same. Prospective acquirors of ZEND should carefully consider and evaluate all risks

Draft for open community to review and subject to changes

and uncertainties (including financial and legal risks and uncertainties) associated with the distribution of

ZEND, the Company, the Distributor and the zkLend team.

ZEND Token: ZEND are designed to be utilised, and that is the goal of the ZEND distribution. In

particular, it is highlighted that ZEND:

(a) does not have any tangible or physical manifestation, and does not have any intrinsic value (nor does

any person make any representation or give any commitment as to its value);

(b) is non-refundable and cannot be exchanged for cash (or its equivalent value in any other digital asset)

or any payment obligation by the Company, the Distributor or any of their respective affiliates;

the Distributor (or any of their respective affiliates), or its revenues or assets, including without

limitation any right to receive future dividends, revenue, shares, ownership right or stake, share or

security, any voting, distribution, redemption, liquidation, proprietary (including all forms of

intellectual property or licence rights), right to receive accounts, financial statements or other

financial data, the right to requisition or participate in shareholder meetings, the right to nominate a

director, or other financial or legal rights or equivalent rights, or intellectual property rights or any

other form of participation in or relating to zkLend, the Company, the Distributor and/or their service

providers;

(d) is not intended to represent any rights under a contract for differences or under any other contract the

purpose or pretended purpose of which is to secure a profit or avoid a loss;

(e) is not intended to be a representation of money (including electronic money), security, commodity,

bond, debt instrument, unit in a collective investment scheme or any other kind of financial

instrument or investment;

(f) is not a loan to the Company, the Distributor or any of their respective affiliates, is not intended to

represent a debt owed by the Company, the Distributor or any of their respective affiliates, and there

is no expectation of profit; and

(g) does not provide the token holder with any ownership or other interest in the Company, the

Distributor or any of their respective affiliates.

Notwithstanding the ZEND distribution, users have no economic or legal right over or beneficial interest

in the assets of the Company, the Distributor, or any of their affiliates after the token distribution.

To the extent a secondary market or exchange for trading ZEND does develop, it would be run and

operated wholly independently of the Company, the Distributor, the distribution of ZEND and zkLend.

Neither the Company nor the Distributor will create such secondary markets nor will either entity act as

an exchange for ZEND.

Informational purposes only: The information set out herein is only conceptual, and describes the future

development goals for zkLend to be developed. In particular, the project roadmap in the Token

Documentation is being shared in order to outline some of the plans of the zkLend team, and is provided

solely for INFORMATIONAL PURPOSES and does not constitute any binding commitment. Please do

not rely on this information in deciding whether to participate in the token distribution because ultimately,

the development, release, and timing of any products, features or functionality remains at the sole

discretion of the Company, the Distributor or their respective affiliates, and is subject to change. Further,

Draft for open community to review and subject to changes

the Token Documentation or the Website may be amended or replaced from time to time. There are no

obligations to update the Token Documentation or the Website, or to provide recipients with access to any

information beyond what is provided herein.

Regulatory approval: The Token Documentation has not been registered under the Decree Law No. 1 of

July 8 of 1999 or under any applicable securities laws in Singapore or any other jurisdiction. It has not

examined, approved, or lodged or registered with the superintendency of the securities market (SMV) or

with any other government authority in Panama or Singapore or in any other jurisdiction. The publication,

distribution or dissemination of the Token Documentation or the Website does not imply that the

applicable laws, regulatory requirements or rules have been complied with.

Cautionary Note on forward-looking statements: All statements contained herein, statements made in

press releases or in any place accessible by the public and oral statements that may be made by the

Company, the Distributor and/or the zkLend team, may constitute forward-looking statements (including

statements regarding the intent, belief or current expectations with respect to market conditions, business

strategy and plans, financial condition, specific provisions and risk management practices). You are

cautioned not to place undue reliance on these forward-looking statements given that these statements

involve known and unknown risks, uncertainties and other factors that may cause the actual future results

to be materially different from that described by such forward-looking statements, and no independent

third party has reviewed the reasonableness of any such statements or assumptions. These

forward-looking statements are applicable only as of the date indicated in the Token Documentation, and

the Company, the Distributor as well as the zkLend team expressly disclaim any responsibility (whether

express or implied) to release any revisions to these forward-looking statements to reflect events after

such date.

References to companies and platforms: The use of any company and/or platform names or trademarks

herein (save for those which relate to the Company, the Distributor or their respective affiliates) does not

imply any affiliation with, or endorsement by, any third party. References in the Token Documentation or

the Website to specific companies and platforms are for illustrative purposes only.

English language: The Token Documentation and the Website may be translated into a language other

than English for reference purpose only and in the event of conflict or ambiguity between the English

language version and translated versions of the Token Documentation or the Website, the English

language versions shall prevail. You acknowledge that you have read and understood the English

language version of the Token Documentation and the Website.

No Distribution: No part of the Token Documentation or the Website is to be copied, reproduced,

distributed or disseminated in any way without the prior written consent of the Company or the

Distributor. By attending any presentation on this Token Documentation or by accepting any hard or soft

copy of the Token Documentation, you agree to be bound by the foregoing limitations.

Risks: The regulatory status of ZEND, cryptocurrencies and distributed ledger technology is unclear or

unsettled in Panama, Singapore and many other jurisdictions. The Company and its affiliates are not

registered with SMV in Panama as any type of regulated financial institution or financial advisor and are

not subject to the standards imposed upon such persons under any applicable securities laws. While the

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