Please read this Risk Warning carefully before using the MULTIBANQ website, platform, or any related services (the “Service”).

This Risk Warning is intended to provide general information regarding the risks associated with cryptoassets, blockchain-based transactions, and the use of services facilitated through third-party providers accessible via the MULTIBANQ platform.

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1. General Risk Disclosure

Cryptoassets and blockchain-based transactions involve a high degree of risk. Prices of cryptoassets may fluctuate significantly and rapidly due to market conditions, liquidity, technological developments, regulatory changes, or other external factors. As a result, the value of cryptoassets may increase or decrease substantially, including the possibility of a total loss.

You should carefully assess whether any exposure to cryptoassets is appropriate for your business, financial situation, and risk tolerance. You should only engage in cryptoasset-related activity if you are able to sustain a complete loss of the value involved.

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2. Nature of Cryptoassets and Market Volatility

Cryptoassets are digital assets based on distributed ledger technology and are not backed by governments, central banks, or physical commodities. Their value is derived from market demand, network usage, and technological trust.

Cryptoasset markets may be affected by:

• sudden changes in market sentiment

• technological developments or protocol changes

• cybersecurity incidents

• regulatory or legal actions

• competition from alternative technologies

• operational or liquidity disruptions

These factors may materially impact the value, usability, or availability of a cryptoasset.

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3. Regulatory and Legal Environment

The regulatory and legal treatment of cryptoassets varies by jurisdiction and continues to evolve. In some jurisdictions, cryptoasset activities may be subject to limited regulation or may fall outside established regulatory frameworks.

Changes in laws, regulations, or supervisory practices may affect the availability of certain services, impose additional requirements, or restrict cryptoasset-related activities in specific jurisdictions.

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4. Role of MULTIBANQ and Third-Party Providers

MULTIBANQ operates as a financial technology and introducing platform. It provides software, dashboards, and operational tooling that facilitate access to services delivered by regulated or professional third-party providers, such as exchanges, custodians, payment institutions, and banking partners.

MULTIBANQ does not operate blockchain networks, issue cryptoassets, or control third-party service providers. Execution, custody, settlement, and safeguarding of assets are performed by the relevant third-party providers under their respective terms and regulatory permissions.

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5. Custody and Non-Custodial Arrangements

Where cryptoassets are held or processed, they may be held in non-custodial or third-party custodial arrangements, depending on the service configuration. Such arrangements may expose users to risks related to third-party insolvency, operational failures, or cybersecurity incidents.

Cryptoasset transactions are typically irreversible once confirmed on the blockchain. Errors in transaction details, including destination addresses, may result in permanent loss.

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6. Cybersecurity and Operational Risks

Cryptoasset platforms, exchanges, and related service providers operate through digital infrastructure and may be subject to cybersecurity risks, including hacking, malware, system failures, or operational disruptions.

While third-party providers implement security and risk-management measures, no system can be guaranteed to be fully secure. Cybersecurity incidents may result in loss, delay, or restricted access to cryptoassets.

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7. Blockchain Network Risks

Blockchain networks are decentralized, public systems that operate independently of MULTIBANQ. MULTIBANQ does not own, control, or manage the underlying blockchain protocols.

Blockchain networks may experience:

• congestion or delays

• protocol changes or forks

• technical vulnerabilities

• governance disputes

Such events may affect transaction processing, asset value, or network functionality.

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8. Banking and Fiat Payment Flows

Fiat payment services made available through the platform are provided by licensed banking or payment service providers. These providers facilitate fiat payments and account services but do not perform cryptoasset exchange or blockchain transactions.

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9. No Advice

Information provided through the MULTIBANQ platform or website is for informational and operational purposes only. It does not constitute investment, financial, legal, or tax advice.

You remain solely responsible for your decisions, including any decision to engage in cryptoasset-related activity. Independent professional advice should be sought where appropriate.

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10. Changes to This Risk Warning

This Risk Warning may be updated from time to time to reflect changes in services, regulatory developments, or risk considerations. The latest version will be published on the MULTIBANQ website.

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11. Contact

If you have questions regarding this Risk Warning, please contact us via the contact form available on the MULTIBANQ website.