RISK DISCLOSURE

Cryptocurrency is a digital representation of value that functions as a medium of exchange, a unitof account, or a store of value, but it does not have legal tender status. Cryptocurrencies aresometimes exchanged for U.S. dollars or other currencies around the world, but they are notgenerally backed or supported by any government or central bank. Their value is completelyderived by market forces of supply and demand, and they are more volatile than traditionalcurrencies. The value of cryptocurrency may be derived from the continued willingness of marketparticipants to exchange fiat currency for cryptocurrency, which may result in the potential forpermanent and total loss of value of a particular cryptocurrency should the market for thatcryptocurrency disappear. Cryptocurrencies are not covered by either FDIC or SIPC insurance.Legislative and regulatory changes or actions at the state, federal, or international level mayadversely affect the use, transfer, exchange, and value of cryptocurrency.Purchasing cryptocurrencies comes with a number of risks, including volatile market price swingsor flash crashes, market manipulation, and cybersecurity risks. In addition, cryptocurrencymarkets and exchanges are not regulated with the same controls or customer protectionsavailable in equity, option, futures, or foreign exchange investing. There is no assurance that aperson who accepts a cryptocurrency as payment today will continue to do so in the future.