Description of LOAN REPAYMENT GUARANTEE (PRINCIPAL ONLY)

It is expressly understood and agreed that the guarantee provided is strictly limited to the repayment of the loan principal. This guarantee explicitly excludes coverage for:

- Accrued or unpaid interest;

- Default penalties, fines, or late payment fees;

- Legal costs or any other ancillary expenses incurred by the Lender in the enforcement of the Loan Agreement.

2. Scope and Limitations

1. General Framework

As part of our comprehensive asset management services, DMiner Asset Management Inc. is pleased to offer a Limited Loan Repayment Guarantee to qualified lenders. This financial instrument is designed to provide an additional layer of security for lenders by mitigating the credit risk associated with the borrower’s failure to repay the principal amount of a loan.

Under this arrangement, our firm acts as the Guarantor, providing an irrevocable commitment to the Lender, conditional upon the strict compliance with the terms set forth herein and in the underlying Loan Agreement.

3. Guarantee Validation and Collateralization (Pledge Structure)

To secure our obligation to the Lender, the Guarantor will allocate a specific amount of cryptocurrency to a segregated, dedicated blockchain address (the "Pledged Asset"). This process constitutes the Guarantee Validation.

Validation Conditions:

- Collateral Coverage: The Pledged Asset must maintain a minimum market value equivalent to 120% of the loan principal amount.

- Valuation Benchmark: The valuation is calculated based on the average market exchange rate between the loan currency and the relevant cryptocurrency, as recorded on the date of Guarantee Validation.

- Timeline: The Guarantor shall complete the Validation process within two (2) Banking Days following the full receipt of the guarantee fee.

4. Guarantee Fee and Validity

- Fee Payment: The guarantee fee is payable exclusively in cryptocurrency and must be received in full by the Guarantor prior to the commencement of the Validation process.

- Minimum Validity: The fee structure is calculated for a minimum validity period of twelve (12) months from the date of Validation. The Guarantee shall remain in full force and effect throughout this period, subject to the borrower’s repayment schedule.

5. Pledged Asset Management and Integrity

During the term of the guarantee, the Pledged Asset shall be kept wholly intact and shall remain under the exclusive control of the Guarantor. The Guarantor shall not utilize, trade, or alienate the Pledged Asset unless:

- The borrower fulfills their repayment obligations in full (triggering the release of the pledge), or

- A default event occurs, triggering the compensation mechanism detailed in Section 6 below.

6. Default and Compensation Mechanism

Should the Borrower fail to meet their reimbursement obligations in accordance with the conditions stipulated in the Loan Agreement, the following procedure shall apply:

1. Grace Period: The Guarantor shall allow a grace period of twenty (20) Banking Days from the date the formal repayment request is issued by the Lender..

2. Compensation Source: If the default persists beyond this twenty-day period, the Guarantor shall compensate the Lender for the outstanding loan principal.

- Crucially: This compensation shall be sourced from the Guarantor’s other liquid assets, held separately from the Pledged Asset. The Pledged Asset shall not be automatically liquidated to cover the Lender’s claim, allowing for strategic management of the collateral.

7. Monitoring and Audit Rights

To maintain the integrity of this guarantee and assess the Borrower's ongoing creditworthiness, the Guarantor reserves the unconditional right to:

- Request and conduct regular audits of the Borrower's utilization of the loan funds.

- Demand relevant financial documentation from the Borrower to ensure compliance with the material terms of the Loan Agreement.

8. Subrogation and Recourse

In the event that the Guarantor is compelled to disburse funds to the Lender due to the Borrower’s default, the Guarantor shall be automatically subrogated to the Lender's rights against the Borrower.

Consequently, the Guarantor:

- Shall be entitled to pursue full recovery of the compensated amount from the Borrower.

- Reserves the right to undertake all legally permissible measures to reclaim the entire amount of the principal paid out, plus any associated recovery costs and losses incurred by the Guarantor as a result of the Borrower’s failure to perform.