1. The Network Bank Group Structure

1.1 About The Network Bank Group

The Network Bank Group provides comprehensive financial services through specialized operating entities, each focused on specific service offerings and regulatory frameworks.

1.2 Group Entities

The Network Bank Group comprises:

The Network Bank (Full Service International Banking)

• Full Legal Name: The Network Bank Ltd. Co.
• Common Name: The Network Bank
• Jurisdiction: Próspera ZEDE
• Services: International banking, multi-currency accounts, payment services, foreign exchange
• Regulatory Framework: Próspera financial regulations
• Target Market: International customers (excluding US persons)

The Network Labs Ltd. Co. (Investment Services)

• Full Legal Name: The Network Labs Ltd. Co.
• Common Name: The Network Labs
• Jurisdiction: Próspera ZEDE
• Services: Brokerage, custody, digital asset trading, securities trading, derivatives, staking services
• Regulatory Framework: Próspera securities and digital asset regulations
• Target Market: International investors (excluding US persons)

Network Clearing LLC (US Payment Services)

• Full Legal Name: Network Clearing LLC
• Common Name: Network Clearing
• Jurisdiction: Montana, United States
• Services: Money transmission, wire transfers, ACH, real-time payments, check processing, card acquiring, card issuing, foreign exchange
• Regulatory Framework: US federal (FinCEN) and state regulations
• Target Market: US-based customers only

1.3 Integrated Services

While each entity within The Network Bank Group operates independently with separate legal and regulatory obligations, we provide integrated services designed to offer customers comprehensive financial solutions.

‍Customer benefits:

• Seamless experience across banking, investment, and payment services
• Coordinated account management
• Unified customer support
• Shared technology platform

‍Important: Your contractual relationship is with the specific entity or entities providing services to you. Each entity has separate terms and conditions, liabilities, and regulatory protections.

1.4 Affiliated Companies Disclosure

The entities within The Network Bank Group are affiliated companies under common ownership and control. This affiliation enables:

• Information sharing among Group entities (as described in our Privacy Policy)
• Coordinated compliance and risk management
• Integrated product development
• Efficient operations

However, each entity remains legally separate with distinct regulatory obligations and liabilities.

2. Regulatory Information

2.1 Jurisdiction and Incorporation

2.1 The Network Bank (Banking Entity)

Full Legal Name: The Network Bank Ltd. Co.
Common Name: The Network Bank
Entity Type: Bank
Jurisdiction: Próspera ZEDE
Registration Number: 84847037430065

‍Registered Address: Beta Building, Oficina 6, St. John’s Bay, Próspera ZEDE, Roatán, Islas de Bahia, 34101, Republic of Honduras

‍Regulatory Authority: Roatan Financial Services Authority (RFSA)

‍License/Authorization: RFSA-2024-001

‍Services: International banking, deposit accounts, payment services, foreign exchange, digital currency integration

2.2 The Network Labs Ltd. Co. (Investment Services Entity)

Legal Name: The Network Labs Ltd. Co.
Entity Type: Brokerage and Custody Services Provider
Jurisdiction: Próspera ZEDE
Registration Number: 87132418726540

‍Registered Address: Beta Building, Oficina 6, St. John’s Bay, Próspera ZEDE, Roatán, Islas de Bahia, 34101, Republic of Honduras

‍Regulatory Authority: Roatan Financial Services Authority (RFSA)

‍License/Authorization: RFSA-2025-001

‍Services: Brokerage, custody, digital asset trading and custody, securities trading, derivatives, staking services

2.3 Network Clearing LLC (US Payment Services Entity)

Legal Name: Network Clearing LLC
Entity Type: Money Services Business (MSB)
Jurisdiction: Montana, United States
Services: Money transmission, wire transfers, ACH, FedNow, RTP, check processing, SWIFT, card acquiring, card issuing, foreign exchange

2.4 No US Regulatory Approvals (Próspera Entities)

IMPORTANT: The Network Bank and The Network Labs (Próspera entities) are NOT registered with, licensed by, or supervised by any United States regulatory authority, including:

• Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• Commodity Futures Trading Commission (CFTC)
• Financial Crimes Enforcement Network (FinCEN)
• Federal Deposit Insurance Corporation (FDIC)
• Office of the Comptroller of the Currency (OCC)
• Any US state financial regulator

‍Services from The Network Bank and The Network Labs are not marketed to US persons or residents.

2.5 International Services (Próspera Entities)

The Network Bank and The Network Labs provide international financial services from Próspera ZEDE, a jurisdiction with world class regulations designed to foster innovation while maintaining appropriate protections. We are authorized to provide services to customers in jurisdictions where we meet applicable legal requirements, subject to restrictions on US persons and sanctioned jurisdictions.

2.6 Supervisory Authorities

For The Network Bank and The Network Labs (Próspera entities)

‍Roatan Financial Services Authority (RFSA): www.rfsa.hn

‍For Network Clearing LLC (US entity): Federal

‍Financial Crimes Enforcement Network (FinCEN): www.fincen.gov

2. Risk Warnings

2.1 General Investment Risks

WARNING: INVESTMENT INVOLVES RISK. YOU MAY LOSE SOME OR ALL OF YOUR INVESTED CAPITAL. All investments carry risk, including:

• Market Risk: Prices fluctuate, and you may lose money
• Liquidity Risk: You may not be able to sell assets quickly or at fair prices
• Volatility: Rapid and unpredictable price changes
• Counterparty Risk: Failure of intermediaries or counterparties
• Currency Risk: Exchange rate fluctuations
• Political and Regulatory Risk: Government actions may adversely affect investments

‍Past performance is not indicative of future results. No investment is guaranteed to generate returns.

2.2 Digital Asset Risks

DIGITAL ASSETS ARE HIGHLY RISKY AND SPECULATIVE. YOU COULD LOSE YOUR ENTIRE INVESTMENT.

2.2.1 Extreme Volatility

• Digital Asset prices can fluctuate by 50% or more in a single day
• Prices may decline rapidly with no recovery
• Total loss of investment is possible

2.2.2 Lack of Regulation

• Digital Asset markets are largely unregulated
• Few investor protections compared to traditional securities
• Regulatory changes may negatively impact Digital Assets
• Governments may ban or severely restrict Digital Assets

2.2.3 Technology Risks

• Blockchain networks may fail or be attacked
• Smart contracts may contain bugs or vulnerabilities
• Digital Assets may become obsolete
• Quantum computing may threaten cryptographic security

2.2.4 Cybersecurity Risks

• Theft through hacking, phishing, or malware
• Loss of private keys means permanent loss of assets
• No recovery mechanism for stolen or lost Digital Assets

2.2.5 Irreversibility

• Blockchain transactions cannot be reversed or undone
• Mistakes (sending to wrong address) result in permanent loss
• No chargebacks or refunds

2.2.6 Lack of Recourse

• No deposit insurance (not FDIC insured)
• No investor compensation schemes
• No government backstop or guarantee
• Limited legal recourse in disputes

2.2.7 Other Digital Asset Risks

• Market manipulation and fraud
• Lack of liquidity
• Fork and airdrop uncertainty
• Network congestion and high fees
• Delisting or loss of exchange support

‍YOU SHOULD ONLY INVEST IN DIGITAL ASSETS IF YOU:

• Fully understand the risks
• Can afford to lose your entire investment
• Have sufficient experience and knowledge
• Are comfortable with high volatility
• Do not need liquidity

2.3 Leverage and Margin Risks

IF YOU USE LEVERAGE OR MARGIN, YOU CAN LOSE MORE THAN YOUR INITIAL INVESTMENT. Leverage amplifies both gains and losses:

• Small price movements can result in large losses
• You may be subject to margin calls requiring immediate deposits
• Positions may be liquidated at unfavorable prices
• Interest costs reduce returns
• Rapid deterioration in volatile markets

‍Leverage is suitable only for experienced investors who fully understand the risks.

2.4 Options and Derivatives Risks

OPTIONS AND DERIVATIVES ARE COMPLEX INSTRUMENTS WITH SIGNIFICANT RISK OF TOTAL LOSS.

• Options can expire worthless (total loss of premium)
• Short positions may have unlimited loss potential
• Complex strategies are difficult to understand and manage
• Counterparty risk in over-the-counter derivatives
• Lack of liquidity may prevent closing positions

‍Options and derivatives are suitable only for sophisticated investors with substantial experience.

2.5 Foreign Exchange Risk

Investments denominated in foreign currencies expose you to:

• Exchange rate fluctuations (which may be large and unpredictable)
• Currency devaluation or depreciation
• Foreign exchange controls or restrictions
• Costs of currency hedging

2.6 Custody Risks

FUNDS HELD IN CUSTODY ARE SUBJECT TO RISK:

• No Deposit Insurance: Your deposits and assets are not insured by any government scheme
• Custodian Insolvency: Risk of loss if we or a sub-custodian becomes insolvent
• Theft or Loss: Risk of theft, hacking, or operational losses
• Regulatory Action: Authorities may freeze or seize assets

2.7 Operational and Technology Risks

Our Platform and services may experience:

• Downtime, outages, or interruptions
• Errors, bugs, or malfunctions
• Cybersecurity incidents
• Data loss or corruption
• Inability to access your account or execute transactions

‍We are not liable for losses resulting from operational or technology issues except in cases of gross negligence or willful misconduct.

2.8 Suitability

YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT IS SUITABLE FOR YOU. Consider:

• Your financial situation and objectives
• Your risk tolerance
• Your investment experience and knowledge
• Your time horizon and liquidity needs

‍If unsure, seek independent financial advice from a qualified professional.

3. No Investment Advice Disclaimer

3.1 No Advice

WE DO NOT PROVIDE INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE. Our services are provided on an execution-only basis, meaning:

• We do not make investment recommendations
• We do not assess whether investments are suitable for you
• We do not provide advice on portfolio construction or asset allocation
• Any information we provide is for general informational purposes only

3.2 No Reliance

DO NOT RELY ON ANY INFORMATION FROM US AS A BASIS FOR INVESTMENT DECISIONS. Information on our Platform includes:

• Market data and prices
• Charts and analysis
• Educational content
• News and commentary Is provided for informational purposes only and should not be construed as advice or recommendations.

3.3 Independent Advice

If you need investment advice, you should consult an independent financial advisor who is qualified to provide advice based on your individual circumstances.

3.4 No Fiduciary Duty

We are not your financial advisor or fiduciary. We do not owe you any fiduciary duties except as expressly stated in our agreements or required by law. Our relationship with you is that of service provider and customer, not advisor and client.

4. Best Execution Summary

4.1 Best Execution Policy

We are committed to obtaining the best possible execution for your orders, taking into account:

• Price
• Costs (commissions, fees, spreads)
• Speed of execution
• Likelihood of execution and settlement
• Size and nature of the order
• Market conditions

4.2 Execution Venues

We may execute orders on or through:

• Regulated securities exchanges
• Digital Asset exchanges and liquidity providers
• Over-the-counter (OTC) markets
• Market makers and liquidity providers
• Our own internal matching engine (for Digital Assets)

4.3 Order Routing

For securities orders, we may route to:

• Primary exchanges (NYSE, NASDAQ, etc.)
• Alternative trading systems (ATSs)
• Electronic communication networks (ECNs)
• Broker-dealers and market makers

For Digital Asset orders, we aggregate liquidity from:

• Multiple cryptocurrency exchanges
• OTC desks
• Liquidity providers
• Our internal order book

4.4 Payment for Order Flow

We may receive payment for order flow or other compensation from:

• Market makers
• Liquidity providers
• Exchanges or trading venues Such compensation does not affect our best execution obligation. We prioritize execution quality over routing to venues that pay us.

4.5 Best Execution Monitoring

We monitor execution quality regularly and review our execution arrangements at least annually.

5. Conflicts of Interest

5.1 Corporate Structure

The Network Bank Ltd. Co., The Network Labs Ltd. Co., and Network Clearing LLC are affiliated entities within The Network Bank Group under common ownership. This creates potential conflicts of interest:

• We may benefit from directing business between entities
• We share customer information between entities
• We may favor our own services over third parties
• Cross-selling incentives may exist

‍Mitigation: We manage conflicts through:

• Full disclosure of the relationship
• Fair pricing and terms
• Customer choice to use third-party services
• Compliance oversight and monitoring
• Independent operational management of each entity

6.2 Principal Trading

The Network Labs may act as principal (counterparty) to your trades, creating a conflict:

• We may profit from the spread or difference in price
• We have an incentive to execute against ourselves rather than seeking better prices elsewhere

‍Mitigation:

• We disclose when we act as principal
• We maintain our best execution obligation
• Prices are based on aggregated market data
• You consent to principal trading by using our services

6.3 Revenue Sources

We generate revenue from multiple sources that may create conflicts:

• Commissions and fees from your transactions
• Spreads on currency conversion and Digital Asset trades
• Payment for order flow from market makers or liquidity providers
• Lending revenue (if we offer securities lending)
• Interest on margin loans or cash balances
• Custodian fees from holding your assets

‍Mitigation:

• We disclose our revenue sources
• Fees are transparent and published
• We do not let revenue considerations override best execution

6.4 Affiliated Service Providers

We may use affiliated companies or service providers for:

• Technology infrastructure
• Compliance and risk management
• Custody services
• Payment processing

‍Mitigation:

• We disclose affiliated relationships
• Services are provided at market rates
• We maintain oversight and quality standards

6.5 Proprietary Trading

The Network Labs does not engage in proprietary trading using customer assets. Our trading activities are limited to:

• Facilitating customer orders
• Market making and liquidity provision
• Hedging our own risk exposure

6.6 Employee Trading

Our employees may trade for their own accounts, subject to:

• Pre-clearance requirements
• Blackout periods
• Prohibitions on front-running or misusing customer information
• Compliance monitoring

7. Third-Party Relationships

7.1 Sub-Custodians

We use third-party sub-custodians for custody of certain assets, as well as certain central securities depositories. We select sub-custodians based on their reputation, financial strength, regulatory standing, and operational capabilities. However, we are not liable for sub-custodian failures except in cases of negligence in selection or oversight.

7.2 Market Data Providers

We obtain market data from third-party providers, including:

• Stock exchange data feeds (NYSE, NASDAQ, LSE, etc.)
• Digital Asset price aggregators
• Financial data vendors (Bloomberg, Refinitiv, etc.)

‍We do not warrant the accuracy, completeness, or timeliness of third-party market data.

7.3 Payment Processors

We use third-party payment processors for certain payment methods around routes. Payment processors are subject to their own terms and conditions.

7.4 Technology Providers

We rely on third-party technology providers for:

• Cloud infrastructure (AWS, Google Cloud, Azure, etc.)
• Blockchain node infrastructure
• Security and monitoring tools
• Communication platforms

7.5 Liquidity Providers

For Digital Asset trading, we obtain liquidity from:

• Major cryptocurrency exchanges
• OTC desks and prime brokers
• Market makers and liquidity providers

7.6 Disclaimers

We are not responsible for the acts, omissions, or failures of third parties, including:

• Sub-custodian insolvency or failure
• Payment processor delays or errors
• Exchange outages or suspensions
• Technology provider failures
• Data inaccuracies from market data providers

8. Deposit and Investor Protection

8.1 No Deposit Insurance (Banking)

DEPOSITS WITH THE NETWORK BANK ARE NOT INSURED BY ANY GOVERNMENT DEPOSIT INSURANCE SCHEME. Unlike banks in some jurisdictions (e.g., FDIC insurance in the US), deposits with The Network Bank are:

• Not FDIC insured
• Not insured by any equivalent scheme
• Not guaranteed by any government
• At risk in the event of bank insolvency You may lose some or all of your deposits if The Network becomes insolvent.

8.2 No Investor Compensation (Brokerage)

ASSETS HELD WITH THE NETWORK LABS ARE NOT COVERED BY ANY INVESTOR COMPENSATION SCHEME. Unlike brokers in some jurisdictions (e.g., SIPC coverage in the US), assets with The Network Labs are:

• Not SIPC protected
• Not covered by any equivalent investor protection scheme
• Not guaranteed by any government
• At risk in the event of brokerage insolvency

8.3 Segregation of Customer Assets

We segregate customer assets from our own proprietary assets in accordance with regulatory requirements:

• Banking: Customer deposits are recorded as liabilities on our balance sheet
• Brokerage/Custody: Customer securities and Digital Assets are held in segregated accounts and not used for our own purposes (except with your consent) In the event of insolvency, customer assets should be protected and returned to customers. However, outcomes depend on insolvency proceedings and applicable law.

8.4 Insurance Coverage (Limited)

The Network Labs maintains limited insurance coverage for certain risks, and limits apply. ‍Insurance does not cover all risks and is subject to policy limits, deductibles, and exclusions. You should not rely on insurance as complete protection. Details of insurance coverage are available upon request.

8.5 Risk Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE AND ACCEPT THAT:

• Your funds and assets are not insured or guaranteed
• You may lose funds in the event of our insolvency
• Insurance coverage is limited and may not cover your losses
• You assume all risks associated with holding funds or assets with us

9. Business Continuity

9.1 Business Continuity Plan

We maintain a Business Continuity Plan (BCP) to ensure continuity of critical services in the event of disruptions, including:

• Natural disasters
• Technology failures
• Cybersecurity incidents
• Pandemics or public health emergencies
• Loss of key personnel or facilities

9.2 Key Components

Our BCP includes:

• Data Backup: Regular backups of critical data stored in geographically diverse locations
• Disaster Recovery: Procedures to restore systems and operations
• Alternative Sites: Backup facilities and work-from-home capabilities
• Communication Plan: Protocols for communicating with customers, regulators, and stakeholders

9.3 Testing and Review

We test our BCP at least annually through:

• Tabletop exercises
• Simulated disaster scenarios
• System failover tests

9.4 Customer Communication

In the event of a significant disruption:

• We will communicate updates via email, website, and social media
• We will provide estimated timeframes for restoration
• We will prioritize customer access to funds and account information

10. Cybersecurity

10.1 Security Measures

We implement comprehensive cybersecurity measures to protect our systems and your information, including:

• Encryption: All data encrypted in transit (TLS 1.3) and at rest (AES-256)
• Firewalls: Network segmentation and intrusion prevention systems
• Multi-Factor Authentication (MFA): Required for account access and sensitive operations
• Monitoring: 24/7 security monitoring and threat detection
• Penetration Testing: Regular external security audits and penetration tests
• Access Controls: Role-based access controls and least-privilege principles
• Employee Training: Security awareness training and phishing simulations
• Incident Response: Dedicated team and procedures for security incidents

10.2 Customer Security Responsibilities

You play a critical role in cybersecurity:

• Use strong, unique passwords for your account (minimum 12 characters, mix of letters, numbers, symbols)
• Enable multi-factor authentication (required)
• Do not share your credentials with anyone
• Be vigilant against phishing: We will never ask for your password via email or phone
• Use secure devices and networks: Avoid public Wi-Fi for accessing your account
• Keep software updated: Use the latest operating system and browser versions
• Monitor your account regularly for unauthorized activity
• Report suspicious activity immediately to security@thenetworkbank.com

10.3 Phishing and Social Engineering

BEWARE OF PHISHING ATTEMPTS:

• We will never ask you to provide your password, full MFA codes, or other sensitive information via email, phone, or unsolicited messages
• Always verify that you are on our official website (check the URL)
• Do not click links in unsolicited emails or messages
• Report phishing attempts to phishing@thenetworkbank.com

10.4 Data Breach Response

In the event of a data breach affecting your information:

1. We will investigate the breach and take immediate remedial action
2. We will notify affected customers as required by law (typically within 72 hours)
3. We will notify relevant regulatory authorities
4. We will provide information about the breach and steps you can take to protect yourself
5. We will offer assistance such as credit monitoring (if applicable)

10.5 Security Certifications

We maintain the following security certifications:

• ISO 27001 Information Security Management (if applicable)
• SOC 2 Type II Audit Report (if applicable)
• PCI DSS Compliance (if applicable) Copies of our security certifications are available upon request.

11. Complaints and Disputes

11.1 How to File a Complaint

If you have a complaint about our services, please contact us:

‍Customer Support:

• Email: support@thenetworkbank.com‍

Complaints Department:

• Email: complaints@thenetworkbank.com

11.2 Complaint Handling Process

1. Receipt: We will acknowledge receipt of your complaint within 2 business days
2. Investigation: We will investigate your complaint thoroughly
3. Response: We will provide a substantive response within 30 days (or notify you of any delay)
4. Resolution: We will propose a resolution or explain why we cannot resolve the complaint in your favor

11.3 Escalation

If you are not satisfied with our response, you may escalate to:

• Senior Management: Request escalation in your complaint correspondence
• Compliance Officer: compliance@thenetworkbank.com

11.4 External Dispute Resolution

If you remain unsatisfied after exhausting our internal complaint process, you may open an arbitration case.

• Disputes are subject to the dispute resolution provisions in our Terms and Conditions
• You may pursue arbitration as specified in the Terms

12. Intellectual Property

12.1 Copyright

All content on our Platform, including:

• Text, graphics, images, videos
• Software and source code
• Data compilations
• Design and layout Is protected by copyright and owned by us or our licensors.

‍You may not reproduce, distribute, or create derivative works without permission.

12.2 Third-Party Trademarks

The Platform may contain trademarks of third parties, including:

• Payment Networks, and their respective trademarks
• Bitcoin, Ethereum, and other blockchain project trademarks
• Exchange and platform trademarks
• Payment processor and service provider trademarks

Third-party trademarks are the property of their respective owners.

12.4 Reporting Copyright Infringement

If you believe content on our Platform infringes your copyright:

‍DMCA Notice:

• Email: dmca@thenetworkbank.com
• Include: Description of copyrighted work, infringing material location, your contact information, statement of good faith belief, statement under penalty of perjury
• We will respond to valid DMCA notices in accordance with applicable law.

13. Important Disclaimers

13.1 Not Investment Advice

WE DO NOT PROVIDE INVESTMENT ADVICE. Any information on our Platform is for general informational purposes only and should not be construed as advice or a recommendation.

13.2 Third-Party Content

WE ARE NOT RESPONSIBLE FOR THIRD-PARTY CONTENT. Our Platform may contain links to third-party websites or display third-party content. We do not endorse or control third-party content.

13.3 External Links

EXTERNAL LINKS ARE PROVIDED FOR CONVENIENCE ONLY. We are not responsible for the content, privacy practices, or terms of third-party websites.

13.4 Accuracy of Information

WE DO NOT WARRANT THE ACCURACY OF INFORMATION. Information on our Platform may be inaccurate, incomplete, or out of date. Market data may be delayed or incorrect.

13.5 Forward-Looking Statements

FORWARD-LOOKING STATEMENTS ARE NOT GUARANTEES. Our Platform may contain forward-looking statements about future performance, which are subject to risks and uncertainties. Actual results may differ materially.

13.6 Tax Advice

WE DO NOT PROVIDE TAX ADVICE. You are solely responsible for determining your tax obligations and should consult a qualified tax professional.

13.7 Legal Advice

WE DO NOT PROVIDE LEGAL ADVICE. Our Terms and Conditions are provided for information only and do not constitute legal advice. Consult a qualified attorney for legal advice.

13.8 Testimonials and Reviews

TESTIMONIALS ARE NOT REPRESENTATIVE. Any customer testimonials or reviews on our Platform represent individual experiences and may not be typical. Your results may differ.

15. Contact Information

15.1 General Inquiries

The Network Bank Group
Beta Building, Oficina 6, St. John’s Bay, Próspera ZEDE, Roatán, Islas de Bahia, 34101, Republic of Honduras

Email: info@thenetworkbank.com
Website: www.thenetworkbank.com

15.2 Customer Support

Available 24/7:

• Email: support@thenetworkbank.com

15.3 Department-Specific Contacts

Legal and Compliance:

• Email: legal@thenetworkbank.com
• Compliance: compliance@thenetworkbank.com

‍Privacy and Data Protection:

• Email: privacy@thenetworkbank.com

‍Security:

• Email: security@thenetworkbank.com
• Report Phishing: phishing@thenetworkbank.com

‍Media and Press:

• Email: press@thenetworkbank.com

15.5 Mailing Address

The Network Bank Group
Beta Building, Oficina 6, St. John’s Bay, Próspera, Roatán, Islas de Bahia, 34101, Republic of Honduras

15.6 Regulatory Inquiries

For regulatory or compliance matters: Email: legal@thenetworkbank.com

15. Document Updates

We may update this page from time to time to reflect changes in our practices, services, or legal requirements. Material changes will be communicated to customers via:

• Email notification
• Platform notification
• Posting on our website Please check this page periodically for updates.

Acknowledgment

By using services provided by entities within The Network Bank Group, you acknowledge that you have read and understood the information on this Legal Notices page, including all risk warnings, disclaimers, and disclosures.