These terms and conditions (“T&C”) is applicable for all members and retailers in Baylake Bank hereinafter called (“Baylake Bank”) and you (“You”) or (“Your”) can both become a member (“Member”) and a retailer (“Retailer”) and by accepting these T&C, You agree that You have read and understood the T&C and that Your status as a Retailer in Baylake Bank shall be subject to the following terms and conditions between You as a Retailer and Baylake Bank.

MODIFICATIONS:

Baylake Bank may modify these T&C at any time. All changes to these T&C will come into effect immediately after implementation of such changes since Your acceptance of the revised T&C will be made via a click-through confirmation or acceptance button when you will log in to Your secure back-office at http://baylakebank.com/ Please review them from time to time since Your continued log-in at Your Back-Office shall be deemed to be Your acceptance of any such modification. If You do not agree to these T&C, please do not become a Member or apply to become a Retailer in Baylake Bank.

Become a member and then also Retailer:

You have now a possibility to join Baylake Bank as a Member, hereinafter called (“Member”). The membership is free in Baylake Bank. When you sign up as a member you will have the possibility to become a retailer, from now on called (Retailer). To become a Retailer is also free. As a Member, you also have the possibility to purchase the products and services that Baylake Bank from time to time offers to You as a Member, see more under the heading “Available offers for the Members.” If you are a Retailer, you are also allowed, but is not required to inform other people and companies about the products and services that Baylake Bank from time to time offers to all people and companies that become a Member in Baylake Bank. The Retailer is also allowed to refer and introduce new Members to Baylake Bank.

To become a Member and a Retailer, you must be at least 18 years of age and have reached the age of majority in Your state of residence. When You apply to become a Member, you need to supply information about the Retailer that has referred You to become a Member. Please note that it is not possible to change the referring Member afterward so please be careful that You write the correct link when applying to become a Member.

To become a Member, you must provide accurate, complete and updated registration information, including an accurate name and email address. Members may not

(i) select or use an email address of another person; (ii) use a name subject to rights of another person without authorization from that person;

(iii) use a false or misleading name, mailing address, or email address to activate or use a Member’s account.

By signing up as a Member in Baylake Bank, you as the Member is opting-in to receive other special offer e-mails from Baylake Bank and Baylake Bank partners that we from time to time cooperates with. If You do not wish to receive these e-mails, you may cancel Your status as a Member at any time.

Your Membership and status as a Retailer are personal and, you cannot sell it or transfer Your Membership or status as a Retailer without prior written consent by Baylake Bank. Please also note that you can NOT change sponsor when You have signed up as a Member.

Baylake Bank reserves the right to track Members and Retailer’s activity by both IP-address as well as individual browser activity.

Baylake Bank may reject Your Member or Retailer registration or activation without giving any reason for the rejection.

These T&C are on-going from the day when You become a Retailer and will continue until terminated by either You or Baylake Bank according to what is stated in these T&C, see more under the heading “Termination.”

Baylake Bank does not control the manner in which the Member and Retailer perform under these T&C and the Member and Retailer shall, at all times strictly follow the regulations with these T&C and all other policies governing Baylake Bank relationships with the Members and Retailers.

Baylake Bank makes no representations or promises about the number of sales or bonuses based on the Baylake Bank products or services that the Retailer will be able to achieve. Furthermore, Baylake Bank does not warrant makes no representations or promises about that the Retailer will earn or profit from the mining of any cryptocurrency that the Retailer may in his or her own decision chose to purchase from Baylake Bank.

You agree to take such steps as are reasonable to be familiar with national and state prohibitions on marketing through email, facsimile, and telephonic devices, and avoid improper solicitation of business.

You agree to refrain from making misleading or improper representations concerning Baylake Bank products and services.

You agree that any payment by for any of Baylake Bank products such as but not limited to Package and the Baylake Bank product, see under the heading “Available offers for the Members” shall only be processed at billing facilities approved by Baylake Bank.

Access to back-office:

As a Retailer in Baylake Bank, you will be allowed to log in at Your back-office at the website www.baylakebank.com, the (“Back-Office”). In the Back-Office You will find information about Baylake Bank and the products or services that Baylake Bank from time to time offers to all Members. From Your Back-Office, you will also be able to purchase the products and services that Baylake Bank from time to time offers.

E-Mail: Electronic Notification:

When You are approved as a Retailer with Baylake Bank, You expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products, services, or other records or correspondence from Baylake Bank. You consent to receive notices electronically by way of transmitting the notification to You by e-mail.

Introduce and Refer Members and Retailers:

As a Retailer, you can introduce and refer to new Members and Retailers to Baylake Bank. PLEASE NOTE THAT Baylake Bank DOES GIVE REWARDS, BONUS, COMMISSION OR COMPENSATION, FOR REFERRING NEW Members or Retailers TO Baylake Bank. The only way You, as a Retailer can be rewarded is if You or any of the Retailers You have direct or indirect referred to Baylake Bank acquires any product or services from Baylake Bank

Proprietary rights in websites

All content included on the websites www.baylakebank.com ,, hereinafter called the (“Website”), including the brand Baylake Bank any variation of the brand Baylake Bank, videos, graphics, designs, text, pictures, applications, software, and other files are the proprietary property of Baylake Bank., hereinafter called (“Proprietary Property”) and belongs to Baylake Bank.

You may not modify, copy, distribute, frame, republish, display, post, transmit, download or sell any Proprietary Property, in any form or by any means, in whole or in part, without Baylake Bank’S prior written consent. You may not upload or republish Proprietary Property on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation. Any use of the Proprietary Property without the prior written consent from Baylake Bank, is strictly prohibited and will terminate Your rights as a Retailer and any unpaid and future Bonuses according to these T&C will be forfeited and legal proceedings may be taken against You. Such unauthorized use may also violate applicable laws including copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these T&C shall be construed as conferring any license to intellectual property rights, whether by implication or otherwise.

TRADEMARKS

The names Baylake Bank that are used in graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks of Baylake Bank, hereinafter called (the “Trademarks”). All rights are reserved. All such Trademarks may not be copied or used in any manner without the prior written consent of Baylake Bank. You hereby declare that You are familiar with Baylake Bank’S Proprietary Property and are not permitted to file for registration any of the Proprietary Property, including names, taglines, slogans, trademarks, logos, designs, domain names, imagery, or copyrighted material substantially similar to Baylake Bank Proprietary Property.

ADVERTISING

You are prohibited, without prior written consent by Baylake Bank, from advertising in any way, shape or form that includes the names Baylake Bank or any variation thereof. This includes, but is not limited to advertising, promotions of any kind or any advertising links in social forums, such as but not limited to blogs, social forums or other marketing methodology designed to promote to become a Retailer of Baylake Bank.

However, you are allowed to use marketing material that can be found in Your Back-Office, including your referrer link as a Retailer to promote the possibility to become a Retailer of Baylake Bank for any of the products or services that Baylake Bank from time to time offer the Retailers, in places that are directed to your personal known friends and contacts, the so-called warm market.

ANTI-SPAM POLICY

Baylake Bank prohibits the marketing practice commonly referred to as “Spam.” All messages that originate from You as a Retailer must comply with all applicable laws in Your jurisdiction as well as with general spam regulations. In the event of any validated report of “Spam” by You, Baylake Bank may, at its sole discretion and without prior notice, terminate or suspend Your Retailer account, and in the case of termination, you will forfeit any unpaid and future bonuses and future mined cryptocurrency. Baylake Bank defines “Spam” as: Electronic mail messages addressed to a recipient with whom the initiator does not have an existing business or personal relationship or is not sent at the request of, or with the express consent of, the recipient; Messages posted to forums and message boards that are off-topic (unrelated to the topic of discussion), cross-posted to unrelated newsgroups or forums, or posted in excessive volume; Solicitations posted in forums, on walls, private messaging or chat rooms, or to groups or individuals via Chat or “Instant Messaging” system; Baylake Bank will evaluate each validated abuse incident on a case-by-case basis and will, at its sole discretion and with or without notice, suspend Your account and/or terminate it, with forfeiture of any unpaid and future Bonuses. Note that You agree and accept that Baylake Bank required to be responsible for their communications and their conformance to these T&C.

SOLICITATION, EARNINGS AND ADVICE DISCLAIMER

Baylake Bank is not responsible for any errors or omissions contained in any disseminated content at the Website, nor liable for any loss incurred as a result of using the content of the webpage in any way. Baylake Bank has not solicited You, nor give You any personalized investment advice. Baylake Bank’S employees will answer Your general customer service questions. Anyway, they will not give you specific investment advice, as they are not licensed under securities laws to deal with Your particular investment situation. Communication by our employees is only in effect to give you technical support. Provided Information on the website should not cause to make investment decisions. Furthermore, Baylake Bank has not made any statement, warrants or guarantees that You will earn any money on any purchased product or services from Baylake Bank and the result of the mining is a result outside the control of Baylake Bank and You will get the result according to these T&C.

Before You decide if you want to apply to become a Member or Retailer of Baylake Bank and then, by Your own decision, decide whether You want to purchase any product or service from Baylake Bank, you should consult competent, professional help and read all available information or public company information in regard to Baylake Bank. If the information You find contains predictions, expectations, beliefs, plans, assumptions or future income potential, this may not be statements of historical fact and may be “forward-looking statements. “Forward-looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results to differ materially from those presently anticipated. Most forward-looking statements include using the following words: “expects “, “will, “ “anticipates,“ “estimates,“ “believes,“ “may,“ “could,“ or “might“.

These Terms of Use apply to baylakebank.com as well as any other affiliated sites, digital services, or applications on which a link to these Terms of Use appears (collectively, the “Baylake Bank Website”) and apply to all users. These Terms of Use and any other terms that appear on the page from which you were directed to these Terms of Use govern your use of the Baylake Bank Website. By accessing the Baylake Bank Website, you agree to be legally bound by the Terms of Use then in effect. Please also refer to the relevant additional legal information applicable to your country.

These Terms of Use, as well as the information and materials contained in the UBS Website, are subject to change at any time and from time to time, without notice. Baylake Bank may add features to or remove features from the Baylake Bank Website at any time and from time to time in our sole discretion. Continued access to the Baylake Bank Website following any modification in these Terms of Use will constitute your acceptance of the Terms of Use as modified.

If you do not agree to be bound by these Terms of Use, do not use the Baylake Bank Website.

Access Subject to Local Restrictions:

The Baylake Bank Website and all information and functionalities contained within them are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction; or (2) such distribution is prohibited without obtaining the necessary licenses or authorisations by the relevant branch, subsidiary or affiliate office of Baylake Bank and such licenses or authorizations have not been obtained.

Services and Products:

Products and services displayed on the Baylake Bank Website is eligible for sale or available to residents of all countries or categories of users.

Any materials, information or reports published, distributed or otherwise made available on the Baylake Bank Website is published for information purposes and is subject to change at any time without notice. They have no regard to the specific user objectives, financial situation or particular needs of any specific recipient and should not be construed as a solicitation, offer or recommendation, to buy or sell any securities, investment or other financial instruments, to effect any transactions or to conclude any legal act of any kind whatsoever. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by recipients as a substitute for the exercise of their own judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of UBS as a result of using different assumptions and criteria. Baylake Bank is not under any obligation to update or keep current the information contained herein nor to remove any outdated information from the Baylake Bank Website or to expressly mark it as being outdated.

Performance:

The future performance of an investment cannot be deduced from previous market value, i.e. the value of an investment may fall as well as rise. An investment may also lose value due to changes in rates of foreign exchange. Baylake Bank cannot guarantee that any capital invested will maintain or increase in value.

Forward-Looking Statements:

The Baylake Bank Website may contain statements that constitute “forward-looking statements”. While these forward-looking statements may represent Baylake Bank judgment and future expectations, a number of risks, uncertainties, and other important factors could cause actual developments and results to differ materially from Baylake Bank expectations. Baylake Bank is under no obligation to (and expressly disclaims any such obligation to) update or alters its forward-looking statements whether as a result of new information, future events, or otherwise.

No Warranty:

Your use of the Baylake Bank Website is at your own risk. The Baylake Bank Website, together with all content, information and materials contained therein, is provided “as is” and “as available” “, without any representations or warranties of any kind. Any materials, information or content accessed, downloaded or otherwise obtained through the use of the Baylake Bank Website is done at your own risk and Baylake Bank is not responsible for any damage to your computer systems or loss of data that results from the download of such material.Baylake Bank and its affiliates expressly disclaimer all representations or warranties of any kind, whether express or implied, with respect to the Baylake Bank Website, and all materials, information, content, and functionalities contained herein, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, Baylake Bank does not warrant the accuracy, timeliness, completeness, security, reliability or availability of the Baylake Bank Website or the information or results obtained from the use of the Baylake Bank Website, or that the Baylake Bank Website will be available at all times, or is virus-free or error-free.

No Liability:

To the fullest extent permitted by law, in no event shall Baylake Bank or our affiliates, or any of our directors, employees, contractors, service providers or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of the Baylake Bank Website, or any links to third party websites.

You are solely responsible for acquiring and maintaining such electronic devices and equipment that can handle and will allow you to access and use the Baylake Bank Website and for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis (e.g. by using the most recent browser versions, and installing recommended security patches and up-to-date anti-virus programs and firewalls). Baylake Bank specifically disclaims all liability for any tampering with any user’s computer system by unauthorized parties, or for losses or liabilities suffered by any user arising from viruses or attacks by hackers.

In no event will Baylake Bank or our affiliates, or any of our officers, directors, employees, contractors, service providers or agents be liable for any incidental, special, punitive or consequential damages howsoever caused arising out of the use of the Baylake Bank Website, its content, or the inability to use the Baylake Bank Website.

This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

Links:

The Baylake Bank Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. Baylake Bank has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. Baylake Bank shall have no liability for third party content or websites or websites linking to or framing the Baylake Bank Website.

Social Bookmarks:

The Baylake Bank Website may contain social bookmarks which are identifiable by means of their respective buttons. Social bookmarks allow users of certain social media platforms to post links to selected Baylake Bank web pages on their social media accounts in order to bookmark them or share them with their social media contacts. If you use social bookmarks, you will be sending personal identifying data to the respective social media platform. Any comments or activity made by or carried out by persons using social bookmarks is not controlled, endorsed or monitored by Baylake Bank and Baylake Bank shall not be responsible or liable for such. Persons who share Baylake Bank communications via social bookmarks are not authorized to speak for or represent Baylake Bank and their views and opinions must be regarded as strictly their own and not Baylake Bank’s. In addition, the provisions in these Terms of Use relating to Links also apply to social bookmarks.

Intellectual Property Rights:

Baylake Bank, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other rights) in all information and content (including all text, data, graphics, and logos) on the Baylake Bank Website. Individual pages and/or sections of the Baylake Bank Website may be printed for personal or internal use only and provided that such print outs retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way, whether in whole or in part, any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the Baylake Bank Website for commercial or public purposes, without the prior written permission of Baylake Bank. Systematic retrieval of content from the Baylake Bank Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the Baylake Bank Website without the prior written permission from Baylake Bank is strictly prohibited.

The key symbol and Baylake Bank are among the registered and unregistered trademarks of Baylake Bank. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of Baylake Bank for any purpose without the prior written permission of Baylake Bank.

Electronic Communication (E-Mail)

The Internet is a universally accessible medium. Ordinary e-mail messages sent over the Internet are neither confidential nor secure. They may be easily accessible by third parties and may entail a considerable amount of danger and risk including: (a) lack of confidentiality (e-mails and their attachments can be read and/or monitored without detection); (b) manipulation or falsification of the sender’s address or of the e-mail’s (or attachment’s) content (e.g. changing the sender’s address(es) or details); (c) system outages and other transmission errors, which can cause e-mails and. their attachments to be delayed, mutilated, misrouted and deleted; (d) viruses, worms, Trojan horses, etc. may be spread undetected by third parties and may cause considerable damage; and (e) interception by third parties.

You are therefore recommended to communicate with Baylake Bank by using a secure channel if such channel is provided by Baylake Bank. In no event should you use ordinary E-mail to transmit personal or confidential information such as an account related data?

Unless explicitly stated otherwise, Baylake Bank does not accept any orders or instructions sent by E-mail or any other electronic messaging system.

Baylake Bank shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to Baylake Bank using ordinary E-mail or any other electronic messaging system.

for more information about our e-mail practices and policy.

Privacy Statement:

Baylake Bank has established a Privacy Statement, as modified from time to time, which explains how personal data is collected on the Baylake Bank Website and used. The Privacy Statement is part of these Terms of Use and is incorporated herein by reference.

Severability Clause:

To the extent that any provision of these Terms of Use is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed to be severed from these Terms of Use but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms of Use in any other jurisdiction.

Conflict with Additional Terms:

Certain web pages or areas on the Baylake Bank Website may contain additional terms, conditions, disclosures and disclaimers (collectively, the “Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those web pages or areas.