Terms & Conditions

Prestige Premium, Inc. (and affiliates) and Customer agree, subject to the provisions in this Transaction Agreement set forth in Paragraph 11, that the following terms shall govern the pending and all future transactions between the parties involving Precious Metals. "Precious Metals" shall mean, for purposes of this Transaction Agreement, any precious metal, in any form, that is the subject of a transaction between PPI and Customer, and shall include, but is not limited to, bullion bars and coins, semi- Numismatic coins and bars, and Numismatic coins and bars, "junk silver", bags (and partial bags) of coins. This Shipping and transaction agreement applies to purchases from and sales to PPI, and the warranties and certifications are intended to be applicable to current, future as well as prior purchases and sales from, and to PPI.

1. Delivery of Precious Metals Purchased: Customer must deliver funds sufficient to cover the purchase within two business days of Customer placement of the order ("Purchase Funds"). Purchase Funds may be delivered by check, cash, or wire transfer. With the limited exception noted in Paragraph 8a, all sales, are final (i.e., the Precious Metals cannot be exchanged or returned for a refund). Checks may be made out to Prestige Premium, Inc. (For wire transfer instructions, please contact your PPI sales representative.) PPI shall deliver the Precious Metals specified in Customer's order to a suitable delivery service for delivery to Customer no more than twenty-eight (28) days after PPI verifies that the Purchase Funds provided are backed by good funds. (Please note that it may take 12 business days to so verify personal checks.) If Customer fails to provide the Purchase Funds within five (5) business days of Customer's placement of the order, PPI may exercise the rights set forth in Paragraph 4, below.

2. Delivery of Precious Metals: Unless otherwise specified in writing at the time of Customer's order, PPI shall cause all Precious Metals purchased and paid for to be delivered to Customer's address set forth above. PPI only uses reputable, nationally recognized delivery services to deliver its Precious Metals. If, however, Customer's order is lost prior to delivery, Customer is instructed to notify PPI, in writing, immediately. Notice of any such alleged lost should be sent to: Prestige Premium, Inc., Attention: Customer Service, 1510 Morena Blvd., Suite A, San Diego, CA 92130. If the delivery service verifies that Customer's Precious Metals were never delivered, PPI shall, within forty-five (45) days of such verification, in its sole discretion, either refund to Customer the full purchase price for such undelivered Precious Metals or replace such Precious Metals with other Precious Metals of the same denomination/type and grade. PPI assumes no responsibility for Precious Metals lost after delivery to Customer. PPI assumes no risk of loss for any Precious Metals purchased from a Customer until such materials are delivered to and accepted by an authorized representative of PPI.

3. Purchase Price: a. Sales: The purchase price Customer has been quoted and agreed to pay includes PPI's profit margin on the transaction. Within the Precious Metals industry, the difference between PPI's cost on the day of the purchase (for the Precious Metals Customer has agreed to buy) and the retail price quoted to Customer is known as the "Spread." Spreads vary significantly - by Precious Metal, by customer, and overtime. For Customer to make a profit, Customer must be able to sell the Precious Metals in the future for a price high enough to cover Customer's initial investment, including this Spread. Spreads may be subject to negotiation, and any Spread charged to Customer in a specific transaction may be more or less than the Spread charged to others in similar transactions or charged to Customer in prior or future transactions. At the time this Transaction Agreement was transmitted for Customer signature, (i) PPI's Spread on bullion (i.e., coins and bars that generally move in tandem with the spot price for the relevant commodity) was generally between two percent and ten percent (2 to 10%), and (ii) PPI's Spread on semi-Numismatic and Numismatic coins and bars was generally between seventeen percent and thirty-three percent (17 to 33%), and a typical spread was approximately twenty-nine percent (29%). These numbers are only approximations, and represent a general range and a typical transaction. The actual Spread on any particular transaction could have been any amount within those ranges (or even possibly outside those ranges).

For example, if a bullion coin or bar was quoted by PPI at $400, and included a ten percent (10%) spread, PPI's cost for the bullion coin or bar would be $360. Similarly, if PPI quoted a Numismatic coin or bar at $400, and included a twenty-five percent (25%) spread, PPI's cost for that coin would be $300. PPI's Spread range may be different (higher and/or lower), and the Spread PPI charges may be higher or lower, at the time of and for any given transaction. b. IRA Sales: Individual retirement account ("IRA") transactions are more expensive to process and can require PPI to assume certain investment risk in connection with the transaction. As such, notwithstanding the general ranges set forth in Paragraph 3a, at the time this Transaction Agreement was transmitted for Customer's signature, PPI's Spread on all IRA Precious Metals transactions was generally between twenty-one and twenty-nine percent (21 to 29%), and a typical spread was approximately twenty-five percent (25%). These numbers are only approximations, and represent a general range and a typical transaction. The actual Spread on any particular transaction could have been any amount within that range (or even possibly outside that range). Moreover, PPI's Spread range may be different (higher and/or lower), and the Spread PPI charges may be higher or lower, at the time of and for any given transaction. For example, a bullion coin or bar that ordinarily would be quoted by PPI (outside an IRA) at $400, with a ten percent (10%) Spread, might be quoted at $480, with a twenty- five percent (25%) Spread, if the bullion coin or bar is purchased as an IRA investment. In both those examples, however, PPI’s cost for the bullion coin or bar would be $360. c. Re-purchases: The law prohibits PPI from guaranteeing to re-purchase the Precious Metals PPI sells, and PPI does not guarantee that it will re-purchase any Precious Metals that Customer purchases. However, as of the date of the transmission of this Transaction Agreement, PPI has never refused the opportunity to re-purchase Precious Metals that a customer purchased from PPI. If you wish to sell your Precious Metals in the future, PPI encourages you to offer them to PPI first. Should PPI make an offer to re-purchase our Precious Metals, it is PPI’s current practice which is subject to change at its sole discretion, to offer to re-purchase Precious Metals that it commonly sells at the highest current wholesale price for such Precious Metals. PPI’s re-purchase offer may be raised or lowered on a daily, even hourly or more basis, depending upon various market conditions, inventory needs, and the price and availability of comparable Precious Metals. PPI does not guarantee that any re-purchase offer will equal the price that PPI would pay to acquire the same denomination/type and grade of Precious Metal from a wholesaler, or that any offer made will be higher or equal to what someone else might offer for the same Precious Metals. d. By selling to [ear Capital, the sellers and certifies pursuant to 28 USC §1 746 as follows: that seller deals in such article or otherwise by seller’s respective occupation, or by seller’s respective avocations as collector, speculator, or investor, hold myself out as having knowledge or skill peculiar to such articles or the practices involved in the purchase or sale made with [ear. Any purchase or sale of coins, hallmark bars, registered ingots, and other items as numismatic objects, by me to or from [ear is for their numismatic value. To the extent customer is a buyer, they make the same certification and warranty to PPI, that is Customer certifies pursuant to 28 USC §1 746: that they deal in such articles or otherwise by virtue of Customer’s respective occupation, or by Customer respective avocations as collector, speculator, or investor, and hold themselves out as having knowledge or skill peculiar to such articles or the practices involved in the purchase or sale made with [ear e. Quotes on Customer’s Holdings: Customers may request a quote on their holdings at any time. When requesting a quote, please specify whether you are looking to purchase additional Precious Metals or sell your existing holdings — as PPI bid (buy from customer) and ask (sell to customer) quotes will vary. PPI bases such quotes on a variety of factors, which are not necessarily tied or related to the prices quoted by, or factors considered by, its competitors. f. Classification as Bullion, semi-Numismatic, or Numismatic: Whether a Precious Metal is classified as Bullion, semi-Numismatic, or Numismatic may turn on a number of objective and subjective factors, including the age of the Precious Metal, its condition, the number of known copies, the likelihood of additional minting, the originating country, relevant historical events or owners (e.g., shipwreck; royalty), relevance to the formation of various Precious Metal collections, and an investor’s personal avocation to the piece. PPI classification of Precious Metals is only an opinion and may change over time (e.g., if additional quantities of the Precious Metal are discovered). In addition, given the subjective nature of the classification process, other dealers or investors may classify the same coin differently. PPI’s prices and spreads are based on its classification determination.. 4. Remedy for Customer’s Failure to Perform: If Customer refuses to accept delivery of the Precious Metals ordered or fails to make payment when due, PPI, in its sole discretion may cancel the transaction and resell such Precious Metals on a wholesale basis If the proceeds from such resale are less than the contract price with ‘ Customer, PPI shall be entitled to recover from Customer the difference between the resale price and Customer’s contract price, plus any incidental damages occasioned by ; Customer’s breach. If the proceeds from such resale are more than the contract price with Customer, PPI shall be entitled to keep the excess amount as liquidated damages — actual damages being too speculative to calculate at this juncture. 5. Investment Objectives; Holding Period; Investment Risk; No Advice; Commissioned Sales Representatives: a. PPI is a seller and purchaser of Precious Metals. While PPI is always prepared to compare and contrast the different Precious Metals that are available for purchase or that PPI is willing to purchase, Customer acknowledges and agrees that (i) no fiduciary relationship exists between PPI and Customer, (ii) the decision to purchase or sell Precious Metals, and which Precious Metals to purchase or sell, are the Customer’s decision alone, and (iii) purchases or sales are made subject to Customer own prudence and judgment. b. In PPI’s opinion, Precious Metals should be considered a long-term investment. Customer should be prepared to hold any Precious Metals purchased — whether from PPI or elsewhere — for at least a three to five year period, and preferably five to ten years, to maximize the potential for gains. In PPI opinion, Customer should only invest capital that can be held for at least this period of time. However, Precious Metals, like all investments, carry capital risk. Precious Metals may appreciate, depreciate, or stay the same depending on a variety of factors. PPI cannot guarantee, and makes no representation, that the Precious Metals will appreciate at all or appreciate sufficiently to make Customer a profit at the expiration of this or any other period of time. c. In PPI’s opinion, Customer should not invest more than twenty percent (20%) of Customer available investment funds in Precious Metals. Moreover, Precious Metals do not yield income and thus are not an appropriate investment vehicle for investors seeking current or future income. d. The success of an investment in Precious Metals is dependent, in part, upon extrinsic economic forces including but not limited to supply, demand, international monetary conditions, and inflation or the expectation of inflation. The impact of these forces on the values of Precious Metals in general or any particular Precious Metal cannot be predicted. Customer acknowledges that the Precious Metals market can be volatile and that Precious Metal prices may rise or fall over time. Customer further acknowledges that past performance is no guarantee of future performance. e .PPI does not provide tax, investment, or legal advice or advisory services, and no one associated with PPI is authorized to provide any such advice or services. Any written or oral statements by PPI, its officers, agents, sales representatives, or other representatives relating to future events or the attributes of certain Precious Metals are opinions only. Such statements, if any, are not representations of fact.. f. PPI’s sales representatives are commissioned salespersons- i.e. their salary is based, at least in part, on the amount of and profit margin of the Precious Metals they sell. In addition from time to time PPI’s sales representatives may receive other compensation tied to sales activity – e.g., sales contests, bonuses tied to the sale of certain denominations/types or grades of Precious Metais. PPI sales representatives are not licensed and their knowledge of Precious Metals arid the Procous Metals marketplace varies markedly. g. PPI makes no representations regarding the lax consequences of holding Precious Metals as an !nvestment in an HA. Customer expressly acknowledges that Customer has been advised to seek independent tax advice, from a qualified professional, regarding the tax consequences of such an investment. 6. Grades: PPI purchases Precious Metals for re-sale to its customers. PPI is not a grading service. PPI does not independently assess the Precious Metals it purchases for re-sale, but relies upon the opinions and assessments of independent grading services such as Professional Coin Grading Service, Inc., Numismatic Guaranty Corporation of America, and ANACAS. Grading is a Subjective process and It s nut uncommon for grading services, or individual examiners within the same grading service, to reach different conclusions regarding the appropriate grade for a particular Precious Metal. Moreover, grading standards are constantly evolving. PPI does not guarantee that the Precious Metals it sells will achieve the same grades in the future. Grading is an ad, not a science: numerical grading gives the impression of precision when numbers represent a nuanced opinion that even experts cannot consistently and systematically agree upon. In buying or selling graded coins. PPI warrants that the coin is genuine (i.e., not a counterfeit) and states that the grade is an opinion of the grading service. 7. Representation/Warranty; Sales Representatives Not Authorized To Make Other Representations or Warranties: PPI represents and warrants that, upon the delivery of Purchase Funds (as provided for in Paragraph 1), and subject to the other terms and restrictions set forth in this Transaction Agreement, PPI will cause to be delivered to Customer the denomination/type and grade of Precious Metals specified in Customer’s order. as classified and/or graded by one of the following independent grading services: Professional Coin Grading Service, Inc. (PCGS), Numismatic Guaranty Corporation of America (NGC), ANACAS, or any other independent grading service of similar standing. The only representation and warranty that Customer may rely upon in purchasing Precious Metais from or selling Precious Metals to PPI is the representation set forth in this Paragraph 7. Neither PPI, nor any of its officers, agents, employees, sales representatives, or other representatives are authorized to make any other representations or warranties concerning any Precious Metals that PPI is selling or purchasing under this Transaction Agreement. Grading is a subjective description in the opinion of the cataloger as to the state of preservation, method of strike, and overall appearance of a particular coin or lot. The term “proof or specimen” is used to describe a method of manufacture, and is not a grade or condition or an attribution. PPI does not represent that a numismatic item has or has not been cleaned; that any toning is natural or artificial; that any coin catalogued will meet the standards, or the grade, of any third party grading or attribution service; that a numismatic item has a particular provenance or pedigree: that a numismatic items is struck or not struck, or produced or not produced in a particular manner or style. Such terminology and adjectival descriptions (which can and do vary among experts and knowledgeable purchasers) when by PPI are strictly the opinion of the cataloger and shall not be deemed to be part of the description; i.e. it is an opinion only and not an attribution. In most instances, PPI uses numerical not adjectival descriptions for grading. The use of numerical shorthand is designed to create a mental image of a coin’s desciptioc. PPI may utilize numerical descriptions and may include numismatic items that have been graded or attributed by others. in which case it is so stated (i.e., PCGS, NGC. etc.), This grading opinion. as well as any other statements made with respect to numismatic properties offered for sale by PPI , are made by PPI at the time that the nuniismatic item is catalogued, not at any prior or subsequent time. Where PPI sells a numismatic item that is encapsulated by a grading service and utilizes the grade or condition ascribed to it by the grading service in a description, buyer acknowledges and agrees that Other grading services, PPI or knowledgeable purchasers might reach a different conclusion as to the state of preservation of a particular item, and that PPI has presented the service’s description of the encapsulated item for accommodation only. No Warranty, or Guarantee, Whether =Express or Implied, Including a Warranty of Merchantability, is made with respect to such numerical description, certification, attribution or grade of any third party, which can and does vary experts. Unless otherwise stated in writing, the lot offered for sale does not include any rights or claim against any third party with respect to such grade or or, or any guarantee by any third party. Any such information provided by PPI is the opinion of the third party, without recourse against PPI in any way whatsoevmakes no representations, warranties or guaranties on behalf of any third party with respect to such grade or abribution. 8. Relund Policy: a. Replacement of Semi-Numismatic or Numismatic Coins Where Grade Disputed: Customer agrees to inspect each delivery carefully upon receipt. If, for any reason whatsoever, Customer is dissatisfied with the quality of a semi-Numismatic or Numismatic coin or bar (specific kinds of Precious Metals) purchased from PPI, Customer should immediately notify PPI. If Customer notifies PPI of its dissatisfaction within fifteen (15) days of delivery of the semi-Numismatic or Numismatic coin or bar and the original holder in which the semi-Numismatic or Numismatic coin or bar in question was delivered has not been opened, removed, or tampered with in any respect, PPI shall replace the semi-Nurrrismalic or Numismatic coin or bar in question with another semi-Numismatic or Numismatic coin or bar (as appropriate) of the same denomination/type and grade.PPI, in its sole discretion. may permit Customer to upgrade to a higher value semi-Numismatic or Numismatic coin or bar (either in denomination/type or grade) as part of this replacement process. provided Customer pays the difference betwen the contract price of the semi-Numismatic or Numismatic coin or bar previously purchased and PPI’s current sale price for the higher value semi-Numismatic or Numismatic coin or bar of the same denomination type or grade c.in(s) or bar(s) to be substituted. If PPII determines. in Is sole rthr semi 4 1p U rim rr ‘ ‘ ‘ ‘r Hz c ‘j tnougn ot a onerent denornnaton/type ana graoe. or fil) returrt Customer’s Purchase unos ano void tflai partcuiar Lrarisaction. h With thp pyrpntjnn nntptl in Parnoranh Ra ALl SALES ARE FINAL (i.e.. the Precious Metals cannot be exchanqed or returned for a refund). Disclaimer of Express and rnplwd Warranties LxF il i 1UKTH IN AGHikH I . I Ht *iOIJS METALS 50111 BY PPI PLJRSUAN I 1’O THIS TRANSACTION AGREEMENT ARE SOLD ON AN AS IS BASIS AND PPI MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY AND OR FITNESS FOR A PARTICULAR PURPOSE. No Liability for Conseguentia! Damages: Limitation of Liability: IN NO EVENT SHALL PPI HAVE ANY OBLIGATION OR LIABILITY (WHETHER IN TORT, CONTRACT. WARRANTY. OR OTHERWISE. AND NOTWITHSTANDING ANY FAULT. NEGLIGENCE, OR STRICT LIABILITY), rJp N\ iNDiRECT INCIDENTA SPF 9 r D1MiS SUSTNED GR PiSING FRQI\q O1 REL’TEP T9 ANY TRANSACTION ORED BY THIS TRANSACTIO APEr4T cr j fS ACISED OF THE POSSBIjTY O SIiC 4 DAMAGES FuRIER PPI S LIABILITY n USTOMER FOR ANY REASO Lh PC ‘ C 1 1ILL AT t TIMES lIE flTD TO ti PMOUNT ACTL 4ID BY CUSTOMEP FOR THE PRECIOUS METALS IN DISPUTE. . r Application to Future Transactions. ‘ ‘ … -… . . . ., , . . . . . : ‘ . . . , ForceMajeure: . ‘: ‘ ‘ ‘ ‘ . . . . . . . . . . . .. e r I3ITRTION RULES AND PRC1t., r E L ‘, ruE ‘93 1PN’O t ri ac ARRITRATIC1tJ TI-iF (PF1ATAMflUtJT nc TWF PIIPPf1TFfl C AIMS (W M PHTAT11I 11 MFMRFR I41iI 1W HFfl TI) b. With the exception noted in Paragraph Ba. ALL SALES ARE FINAL (i.e., the Precious Metals cannot be exchanged or returned tot a refund). 9. Disclaimer at Express and Implied Warranties: EXCEPT AS SET FORTH IN PARAGRAPH 7, 1HL ‘HEGIUUS IVILTALS SOLD BV LG PUHSUANi TO THIS TRANSACTION AGREEMENT ARE SOLD ON AN “AS IS” BASIS AND PPI MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY AND OR FITNESS FOR A PARTICULAR PURPOSE. 10 No Liability for Consequential Damages; Limitation of Liability: IN NO EVENT SHALL PPI HAVE ANY OBLIGATION OR LIABILITY (WHETHER IN TORT, CONTRACT, WARRANTY, OR OTHERWISE, AND NOTWITHSTANDING ANY FAULT, NEGLIGENCE, OR STRICT LIABILITY), FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES SUSTAINED OR ARISING FROM OR RELATED TO ANY TRANSACTION COVERED BY THIS TRANSACTION AGREEMENT, EVEN IF PPI IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHER, PPI’S LIABILITY TO CUSTOMER FOR ANY REASON AND UPON ANY CLAIMS SHALL AT ALL TIMES BE LIMITED TO THE AMOUNT ACTUALLY PAID BY CUSTOMER FOR THE PRECIOUS METALS IN DISPUTE. 11. Application to Future Transactions: This Transaction Agreement shall control all transactions between LOl and Customer unless and until such time as it is amended by PPI. Customer agrees thai PPI may amend this Transaction Agreement at any time and from time to tne, that PPI may give notice to Customer of any amendment by nialling a copy of the amended Transaction Agreement to the address set forth above (or any updated address provided by Customer in the interim), arid that following such mailing, the amended Transaction Agreement shall govern succeedrg transachoris. 12. Force Majeure: Neither PPI nor Customer shall be liable for airy tailure or delay in ts or their performance under this. Transaction Agreement due to any cause buiid or ther espct ‘e redsonable control inn udn, dCi 1 ac of Coo artno n > arq a3otg labc nortge or lispute yU nnnta aL o failure i it I on faiur and/or u OUtLI Si 5 Ci any Jir pun i fadure orb/or error !fl or 01 a C H: cir :nto nn un:. pr odors as. nay use from time to hmo. Arbitrahu of Cutec u . tt N f DrUTL £LAfw OR tJUNTROVERSY ARING ULJT OF Oft RELATING TO TrhS TRANSACTION A(RLEMENT OR i[ L3iEACh TERMNhfluN EbCtMENT INTERPRETATION UR VALIDIIY THEREOF INCLUDING THE DETERMiNATION OF THE SCOPL APP IC BILrY OF THIS AGREEMENT TO ARBITRATE OR ANY OTHER DISPUTE CLAIM OR CONTROVERSY ARISING OUT OF ANY NTERACTION BETWEEN PPI AND CUSTOMER, SHALL BE BROUGHT WEIHIN ONE YEAR OF ITS ACCRUAL AND BE DETERMINED BY ARBITRATION N OS ANGELES CALIFORNIA BEFORE ONE 1RBIT9ATOR T[ ARBITRATION SHALL BE ADMINISTERED BY JAMS PURSUANT TO ITS CuMREHENslVE ARBIIRATION RULES AND PROCEOURFS (W TE MMOUNT IN CONTROVERSt EXCEEDS $250 000) OR IIS STREAMLINED ARBITRATION RULES AND PROCEDURES (IF THE AMOUNT IN CONTROVERSY IS LESS THAN OR EQUAL TO $250,000). IF THE ARBITRATION IS A CLASS ARBITRATION. THE AGGREGATE AMOUNT, OF THE PURPORTED CLAIMS OF ALL PUTATIVE CLASS MEMBERS, SHALL BE USED TO DETERMINE WHICH RULES APPLY. JUDGMENT ON THE AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION. THIS CLAUSE SHALL NOT PRECLUDE PARTIES FROM SEEKING PROVISIONAL REMEDIES IN AID OF ARBITRATION FROM A COURT OF APPROPRIATE JURISDICTION. 14. Choice of Law; Individual and Class Claims: The internal, substantive law of California shall govern all individual claims brought by or against PPI in connection with this Transaction Agreement or otherwise arising out of any interaction between PPI and Customer (i.e., California’s conflict of law principles will not apply). However, if a class or purported class action is brought by or against PPI in connection with this Transaction Agreement or otherwise, the claim of each putative or actual class member shall be governed by the internal, substantive law of that putative or actual class member’s state of domicile. (The inclusion of this provision is not an admission by PPI that any claim can be brought or maintained as a class action.) 15. Limitation on Time to Bring Any Claim: Except where the law prescribes a shoder applicable statute of limitation, or prohibits shnrtening the otherwise applicable longer statute of limitations, any claim or legal action of any kind arising in connection with or relating in any way to purchases from or sales to Prestige Premium, Inc., or any other conduct of Prestige Premium, Inc., must be brought within one year after the purchase or sale or other event giving rise to the claim or legal action. Notwithstanding the immediately preceding sentence, if the law of the applicable jurisdiction has a “discovery rule,” whereby accrual of the claim is deferred, which is applicable to one or more claims, then the one-year (or shorter, if applicable) limitation period specified herein shall begin running from the date of accrual for such claim or claims as determined by the law of the applicable jurisdiction. If this clause is determined to be unenforceable as to any particular claim or claims under the law of the applicable jurisdiction, it shall remain fully enforceable as to all other claims. 16. Jurisdiction: Jurisdiction and venue for any dispute, claim or controversy arising out of or relating to this Transaction Agreement or the breach, termination, enforcement, interpretation or validity thereof, or any other interaction between PPI and Customer, shall be in Los Angeles, California, and any party making a claim against PPI in whatever form hereby submits to personal jurisdiction in that forum for any and all purposes. 17. Finality; Integration Clause: This Transaction Agreement is intended by PPI ad Customer as a final expression of their agreement concerning the matters set forth herein, and is also intended as a complete and exclusive statement of the terms of their agreement. This Transaction Agreement supersedes any oral or written statements made prior to, contemporaneous with, or in the future regarding this Transaction Agreement or the transactions covered hereunder. Customer shall not rely upon any statement made by or on behalf of PPI that is inconsistent with this Transaction Agreement. 18. Severability: If any provision of this Transaction Agreement is determined by any court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable to any extent, that provision shall, if possible, be construed as though more narrowly drawn, if a narrower construction would avoid such invalidity, illegality, or unenforceability or, if that is not possible, such provision shall, to the extent of such invalidity, illegality, or unenforceability, be severed, and the remaining provisions of this Agreement shall remain in full force and effect.

For example, if a bullion coin or bar was quoted by PPI at $400, and included a ten percent (10%) spread, PPI’s cost for the bullion coin or bar would be $360. Similarly, if PPI quoted a Numismatic coin or bar at $400, and included a twenty-five percent (25%) spread, PPI’s cost for that coin would be $300. PPI’s Spread range may be different (higher and/or lower), and the Spread PPI charges may be higher or lower, at the time of and for any given transaction. b. IRA Sales: Individual retirement account (“IRA”) transactions are more expensive to process and can require PPI to assume certain investment risk in connection with the transaction. As such, notwithstanding the general ranges set forth in Paragraph 3a, at the time this Transaction Agreement was transmitted for Customer’s signature, PPI’s Spread on all IRA Precious Metals transactions was generally between twenty-one and twenty-nine percent (21 to 29%), and a typical spread was approximately twenty-five percent (25%). These numbers are only approximations, and represent a general range and a typical transaction. The actual Spread on any particular transaction could have been any amount within that range (or even possibly outside that range). Moreover, PPI’s Spread range may be different (higher and/or lower), and the Spread PPI charges may be higher or lower, at the time of and for any given transaction. For example, a bullion coin or bar that ordinarily would be quoted by PPI (outside an IRA) at $400, with a ten percent (10%) Spread, might be quoted at $480, with a twenty- five percent (25%) Spread, if the bullion coin or bar is purchased as an IRA investment. In both those examples, however, PPI’s cost for the bullion coin or bar would be $360. c. Re-purchases: The law prohibits PPI from guaranteeing to re-purchase the Precious Metals PPI sells, and PPI does not guarantee that it will re-purchase any Precious Metals that Customer purchases. However, as of the date of the transmission of this Transaction Agreement, PPI has never refused the opportunity to re-purchase Precious Metals that a customer purchased from PPI. If you wish to sell your Precious Metals in the future, PPI encourages you to offer them to PPI first. Should PPI make an offer to re-purchase our Precious Metals, it is PPI’s current practice which is subject to change at its sole discretion, to offer to re-purchase Precious Metals that it commonly sells at the highest current wholesale price for such Precious Metals. PPI’s re-purchase offer may be raised or lowered on a daily, even hourly or more basis, depending upon various market conditions, inventory needs, and the price and availability of comparable Precious Metals. PPI does not guarantee that any re-purchase offer will equal the price that PPI would pay to acquire the same denomination/type and grade of Precious Metal from a wholesaler, or that any offer made will be higher or equal to what someone else might offer for the same Precious Metals. d. By selling to [ear Capital, the sellers and certifies pursuant to 28 USC §1 746 as follows: that seller deals in such article or otherwise by seller’s respective occupation, or by seller’s respective avocations as collector, speculator, or investor, hold myself out as having knowledge or skill peculiar to such articles or the practices involved in the purchase or sale made with [ear. Any purchase or sale of coins, hallmark bars, registered ingots, and other items as numismatic objects, by me to or from [ear is for their numismatic value. To the extent customer is a buyer, they make the same certification and warranty to PPI, that is Customer certifies pursuant to 28 USC §1 746: that they deal in such articles or otherwise by virtue of Customer’s respective occupation, or by Customer respective avocations as collector, speculator, or investor, and hold themselves out as having knowledge or skill peculiar to such articles or the practices involved in the purchase or sale made with [ear e. Quotes on Customer’s Holdings: Customers may request a quote on their holdings at any time. When requesting a quote, please specify whether you are looking to purchase additional Precious Metals or sell your existing holdings — as PPI bid (buy from customer) and ask (sell to customer) quotes will vary. PPI bases such quotes on a variety of factors, which are not necessarily tied or related to the prices quoted by, or factors considered by, its competitors. f. Classification as Bullion, semi-Numismatic, or Numismatic: Whether a Precious Metal is classified as Bullion, semi-Numismatic, or Numismatic may turn on a number of objective and subjective factors, including the age of the Precious Metal, its condition, the number of known copies, the likelihood of additional minting, the originating country, relevant historical events or owners (e.g., shipwreck; royalty), relevance to the formation of various Precious Metal collections, and an investor’s personal avocation to the piece. PPI classification of Precious Metals is only an opinion and may change over time (e.g., if additional quantities of the Precious Metal are discovered). In addition, given the subjective nature of the classification process, other dealers or investors may classify the same coin differently. PPI’s prices and spreads are based on its classification determination.. 4. Remedy for Customer’s Failure to Perform: If Customer refuses to accept delivery of the Precious Metals ordered or fails to make payment when due, PPI, in its sole discretion may cancel the transaction and resell such Precious Metals on a wholesale basis If the proceeds from such resale are less than the contract price with ‘ Customer, PPI shall be entitled to recover from Customer the difference between the resale price and Customer’s contract price, plus any incidental damages occasioned by ; Customer’s breach. If the proceeds from such resale are more than the contract price with Customer, PPI shall be entitled to keep the excess amount as liquidated damages — actual damages being too speculative to calculate at this juncture. 5. Investment Objectives; Holding Period; Investment Risk; No Advice; Commissioned Sales Representatives: a. PPI is a seller and purchaser of Precious Metals. While PPI is always prepared to compare and contrast the different Precious Metals that are available for purchase or that PPI is willing to purchase, Customer acknowledges and agrees that (i) no fiduciary relationship exists between PPI and Customer, (ii) the decision to purchase or sell Precious Metals, and which Precious Metals to purchase or sell, are the Customer’s decision alone, and (iii) purchases or sales are made subject to Customer own prudence and judgment. b. In PPI’s opinion, Precious Metals should be considered a long-term investment. Customer should be prepared to hold any Precious Metals purchased — whether from PPI or elsewhere — for at least a three to five year period, and preferably five to ten years, to maximize the potential for gains. In PPI opinion, Customer should only invest capital that can be held for at least this period of time. However, Precious Metals, like all investments, carry capital risk. Precious Metals may appreciate, depreciate, or stay the same depending on a variety of factors. PPI cannot guarantee, and makes no representation, that the Precious Metals will appreciate at all or appreciate sufficiently to make Customer a profit at the expiration of this or any other period of time. c. In PPI’s opinion, Customer should not invest more than twenty percent (20%) of Customer available investment funds in Precious Metals. Moreover, Precious Metals do not yield income and thus are not an appropriate investment vehicle for investors seeking current or future income. d. The success of an investment in Precious Metals is dependent, in part, upon extrinsic economic forces including but not limited to supply, demand, international monetary conditions, and inflation or the expectation of inflation. The impact of these forces on the values of Precious Metals in general or any particular Precious Metal cannot be predicted. Customer acknowledges that the Precious Metals market can be volatile and that Precious Metal prices may rise or fall over time. Customer further acknowledges that past performance is no guarantee of future performance. e .PPI does not provide tax, investment, or legal advice or advisory services, and no one associated with PPI is authorized to provide any such advice or services. Any written or oral statements by PPI, its officers, agents, sales representatives, or other representatives relating to future events or the attributes of certain Precious Metals are opinions only. Such statements, if any, are not representations of fact.. f. PPI’s sales representatives are commissioned salespersons- i.e. their salary is based, at least in part, on the amount of and profit margin of the Precious Metals they sell. In addition from time to time PPI’s sales representatives may receive other compensation tied to sales activity – e.g., sales contests, bonuses tied to the sale of certain denominations/types or grades of Precious Metais. PPI sales representatives are not licensed and their knowledge of Precious Metals arid the Procous Metals marketplace varies markedly. g. PPI makes no representations regarding the lax consequences of holding Precious Metals as an !nvestment in an HA. Customer expressly acknowledges that Customer has been advised to seek independent tax advice, from a qualified professional, regarding the tax consequences of such an investment. 6. Grades: PPI purchases Precious Metals for re-sale to its customers. PPI is not a grading service. PPI does not independently assess the Precious Metals it purchases for re-sale, but relies upon the opinions and assessments of independent grading services such as Professional Coin Grading Service, Inc., Numismatic Guaranty Corporation of America, and ANACAS. Grading is a Subjective process and It s nut uncommon for grading services, or individual examiners within the same grading service, to reach different conclusions regarding the appropriate grade for a particular Precious Metal. Moreover, grading standards are constantly evolving. PPI does not guarantee that the Precious Metals it sells will achieve the same grades in the future. Grading is an ad, not a science: numerical grading gives the impression of precision when numbers represent a nuanced opinion that even experts cannot consistently and systematically agree upon. In buying or selling graded coins. PPI warrants that the coin is genuine (i.e., not a counterfeit) and states that the grade is an opinion of the grading service. 7. Representation/Warranty; Sales Representatives Not Authorized To Make Other Representations or Warranties: PPI represents and warrants that, upon the delivery of Purchase Funds (as provided for in Paragraph 1), and subject to the other terms and restrictions set forth in this Transaction Agreement, PPI will cause to be delivered to Customer the denomination/type and grade of Precious Metals specified in Customer’s order. as classified and/or graded by one of the following independent grading services: Professional Coin Grading Service, Inc. (PCGS), Numismatic Guaranty Corporation of America (NGC), ANACAS, or any other independent grading service of similar standing. The only representation and warranty that Customer may rely upon in purchasing Precious Metais from or selling Precious Metals to PPI is the representation set forth in this Paragraph 7. Neither PPI, nor any of its officers, agents, employees, sales representatives, or other representatives are authorized to make any other representations or warranties concerning any Precious Metals that PPI is selling or purchasing under this Transaction Agreement. Grading is a subjective description in the opinion of the cataloger as to the state of preservation, method of strike, and overall appearance of a particular coin or lot. The term “proof or specimen” is used to describe a method of manufacture, and is not a grade or condition or an attribution. PPI does not represent that a numismatic item has or has not been cleaned; that any toning is natural or artificial; that any coin catalogued will meet the standards, or the grade, of any third party grading or attribution service; that a numismatic item has a particular provenance or pedigree: that a numismatic items is struck or not struck, or produced or not produced in a particular manner or style. Such terminology and adjectival descriptions (which can and do vary among experts and knowledgeable purchasers) when by PPI are strictly the opinion of the cataloger and shall not be deemed to be part of the description; i.e. it is an opinion only and not an attribution. In most instances, PPI uses numerical not adjectival descriptions for grading. The use of numerical shorthand is designed to create a mental image of a coin’s desciptioc. PPI may utilize numerical descriptions and may include numismatic items that have been graded or attributed by others. in which case it is so stated (i.e., PCGS, NGC. etc.), This grading opinion. as well as any other statements made with respect to numismatic properties offered for sale by PPI , are made by PPI at the time that the nuniismatic item is catalogued, not at any prior or subsequent time. Where PPI sells a numismatic item that is encapsulated by a grading service and utilizes the grade or condition ascribed to it by the grading service in a description, buyer acknowledges and agrees that Other grading services, PPI or knowledgeable purchasers might reach a different conclusion as to the state of preservation of a particular item, and that PPI has presented the service’s description of the encapsulated item for accommodation only. No Warranty, or Guarantee, Whether =Express or Implied, Including a Warranty of Merchantability, is made with respect to such numerical description, certification, attribution or grade of any third party, which can and does vary experts. Unless otherwise stated in writing, the lot offered for sale does not include any rights or claim against any third party with respect to such grade or or, or any guarantee by any third party. Any such information provided by PPI is the opinion of the third party, without recourse against PPI in any way whatsoevmakes no representations, warranties or guaranties on behalf of any third party with respect to such grade or abribution. 8. Relund Policy: a. Replacement of Semi-Numismatic or Numismatic Coins Where Grade Disputed: Customer agrees to inspect each delivery carefully upon receipt. If, for any reason whatsoever, Customer is dissatisfied with the quality of a semi-Numismatic or Numismatic coin or bar (specific kinds of Precious Metals) purchased from PPI, Customer should immediately notify PPI. If Customer notifies PPI of its dissatisfaction within fifteen (15) days of delivery of the semi-Numismatic or Numismatic coin or bar and the original holder in which the semi-Numismatic or Numismatic coin or bar in question was delivered has not been opened, removed, or tampered with in any respect, PPI shall replace the semi-Nurrrismalic or Numismatic coin or bar in question with another semi-Numismatic or Numismatic coin or bar (as appropriate) of the same denomination/type and grade.PPI, in its sole discretion. may permit Customer to upgrade to a higher value semi-Numismatic or Numismatic coin or bar (either in denomination/type or grade) as part of this replacement process. provided Customer pays the difference betwen the contract price of the semi-Numismatic or Numismatic coin or bar previously purchased and PPI’s current sale price for the higher value semi-Numismatic or Numismatic coin or bar of the same denomination type or grade c.in(s) or bar(s) to be substituted. If PPII determines. in Is sole rthr semi 4 1p U rim rr ‘ ‘ ‘ ‘r Hz c ‘j tnougn ot a onerent denornnaton/type ana graoe. or fil) returrt Customer’s Purchase unos ano void tflai partcuiar Lrarisaction. h With thp pyrpntjnn nntptl in Parnoranh Ra ALl SALES ARE FINAL (i.e.. the Precious Metals cannot be exchanqed or returned for a refund). Disclaimer of Express and rnplwd Warranties LxF il i 1UKTH IN AGHikH I . I Ht *iOIJS METALS 50111 BY PPI PLJRSUAN I 1’O THIS TRANSACTION AGREEMENT ARE SOLD ON AN AS IS BASIS AND PPI MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY AND OR FITNESS FOR A PARTICULAR PURPOSE. No Liability for Conseguentia! Damages: Limitation of Liability: IN NO EVENT SHALL PPI HAVE ANY OBLIGATION OR LIABILITY (WHETHER IN TORT, CONTRACT. WARRANTY. OR OTHERWISE. AND NOTWITHSTANDING ANY FAULT. NEGLIGENCE, OR STRICT LIABILITY), rJp N\ iNDiRECT INCIDENTA SPF 9 r D1MiS SUSTNED GR PiSING FRQI\q O1 REL’TEP T9 ANY TRANSACTION ORED BY THIS TRANSACTIO APEr4T cr j fS ACISED OF THE POSSBIjTY O SIiC 4 DAMAGES FuRIER PPI S LIABILITY n USTOMER FOR ANY REASO Lh PC ‘ C 1 1ILL AT t TIMES lIE flTD TO ti PMOUNT ACTL 4ID BY CUSTOMEP FOR THE PRECIOUS METALS IN DISPUTE. . r Application to Future Transactions. ‘ ‘ … -… . . . ., , . . . . . : ‘ . . . , ForceMajeure: . ‘: ‘ ‘ ‘ ‘ . . . . . . . . . . . .. e r I3ITRTION RULES AND PRC1t., r E L ‘, ruE ‘93 1PN’O t ri ac ARRITRATIC1tJ TI-iF (PF1ATAMflUtJT nc TWF PIIPPf1TFfl C AIMS (W M PHTAT11I 11 MFMRFR I41iI 1W HFfl TI) b. With the exception noted in Paragraph Ba. ALL SALES ARE FINAL (i.e., the Precious Metals cannot be exchanged or returned tot a refund). 9. Disclaimer at Express and Implied Warranties: EXCEPT AS SET FORTH IN PARAGRAPH 7, 1HL ‘HEGIUUS IVILTALS SOLD BV LG PUHSUANi TO THIS TRANSACTION AGREEMENT ARE SOLD ON AN “AS IS” BASIS AND PPI MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY AND OR FITNESS FOR A PARTICULAR PURPOSE. 10 No Liability for Consequential Damages; Limitation of Liability: IN NO EVENT SHALL PPI HAVE ANY OBLIGATION OR LIABILITY (WHETHER IN TORT, CONTRACT, WARRANTY, OR OTHERWISE, AND NOTWITHSTANDING ANY FAULT, NEGLIGENCE, OR STRICT LIABILITY), FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES SUSTAINED OR ARISING FROM OR RELATED TO ANY TRANSACTION COVERED BY THIS TRANSACTION AGREEMENT, EVEN IF PPI IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHER, PPI’S LIABILITY TO CUSTOMER FOR ANY REASON AND UPON ANY CLAIMS SHALL AT ALL TIMES BE LIMITED TO THE AMOUNT ACTUALLY PAID BY CUSTOMER FOR THE PRECIOUS METALS IN DISPUTE. 11. Application to Future Transactions: This Transaction Agreement shall control all transactions between LOl and Customer unless and until such time as it is amended by PPI. Customer agrees thai PPI may amend this Transaction Agreement at any time and from time to tne, that PPI may give notice to Customer of any amendment by nialling a copy of the amended Transaction Agreement to the address set forth above (or any updated address provided by Customer in the interim), arid that following such mailing, the amended Transaction Agreement shall govern succeedrg transachoris. 12. Force Majeure: Neither PPI nor Customer shall be liable for airy tailure or delay in ts or their performance under this. Transaction Agreement due to any cause buiid or ther espct ‘e redsonable control inn udn, dCi 1 ac of Coo artno n > arq a3otg labc nortge or lispute yU nnnta aL o failure i it I on faiur and/or u OUtLI Si 5 Ci any Jir pun i fadure orb/or error !fl or 01 a C H: cir :nto nn un:. pr odors as. nay use from time to hmo. Arbitrahu of Cutec u . tt N f DrUTL £LAfw OR tJUNTROVERSY ARING ULJT OF Oft RELATING TO TrhS TRANSACTION A(RLEMENT OR i[ L3iEACh TERMNhfluN EbCtMENT INTERPRETATION UR VALIDIIY THEREOF INCLUDING THE DETERMiNATION OF THE SCOPL APP IC BILrY OF THIS AGREEMENT TO ARBITRATE OR ANY OTHER DISPUTE CLAIM OR CONTROVERSY ARISING OUT OF ANY NTERACTION BETWEEN PPI AND CUSTOMER, SHALL BE BROUGHT WEIHIN ONE YEAR OF ITS ACCRUAL AND BE DETERMINED BY ARBITRATION N OS ANGELES CALIFORNIA BEFORE ONE 1RBIT9ATOR T[ ARBITRATION SHALL BE ADMINISTERED BY JAMS PURSUANT TO ITS CuMREHENslVE ARBIIRATION RULES AND PROCEOURFS (W TE MMOUNT IN CONTROVERSt EXCEEDS $250 000) OR IIS STREAMLINED ARBITRATION RULES AND PROCEDURES (IF THE AMOUNT IN CONTROVERSY IS LESS THAN OR EQUAL TO $250,000). IF THE ARBITRATION IS A CLASS ARBITRATION. THE AGGREGATE AMOUNT, OF THE PURPORTED CLAIMS OF ALL PUTATIVE CLASS MEMBERS, SHALL BE USED TO DETERMINE WHICH RULES APPLY. JUDGMENT ON THE AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION. THIS CLAUSE SHALL NOT PRECLUDE PARTIES FROM SEEKING PROVISIONAL REMEDIES IN AID OF ARBITRATION FROM A COURT OF APPROPRIATE JURISDICTION. 14. Choice of Law; Individual and Class Claims: The internal, substantive law of California shall govern all individual claims brought by or against PPI in connection with this Transaction Agreement or otherwise arising out of any interaction between PPI and Customer (i.e., California’s conflict of law principles will not apply). However, if a class or purported class action is brought by or against PPI in connection with this Transaction Agreement or otherwise, the claim of each putative or actual class member shall be governed by the internal, substantive law of that putative or actual class member’s state of domicile. (The inclusion of this provision is not an admission by PPI that any claim can be brought or maintained as a class action.) 15. Limitation on Time to Bring Any Claim: Except where the law prescribes a shoder applicable statute of limitation, or prohibits shnrtening the otherwise applicable longer statute of limitations, any claim or legal action of any kind arising in connection with or relating in any way to purchases from or sales to Prestige Premium, Inc., or any other conduct of Prestige Premium, Inc., must be brought within one year after the purchase or sale or other event giving rise to the claim or legal action. Notwithstanding the immediately preceding sentence, if the law of the applicable jurisdiction has a “discovery rule,” whereby accrual of the claim is deferred, which is applicable to one or more claims, then the one-year (or shorter, if applicable) limitation period specified herein shall begin running from the date of accrual for such claim or claims as determined by the law of the applicable jurisdiction. If this clause is determined to be unenforceable as to any particular claim or claims under the law of the applicable jurisdiction, it shall remain fully enforceable as to all other claims. 16. Jurisdiction: Jurisdiction and venue for any dispute, claim or controversy arising out of or relating to this Transaction Agreement or the breach, termination, enforcement, interpretation or validity thereof, or any other interaction between PPI and Customer, shall be in Los Angeles, California, and any party making a claim against PPI in whatever form hereby submits to personal jurisdiction in that forum for any and all purposes. 17. Finality; Integration Clause: This Transaction Agreement is intended by PPI ad Customer as a final expression of their agreement concerning the matters set forth herein, and is also intended as a complete and exclusive statement of the terms of their agreement. This Transaction Agreement supersedes any oral or written statements made prior to, contemporaneous with, or in the future regarding this Transaction Agreement or the transactions covered hereunder. Customer shall not rely upon any statement made by or on behalf of PPI that is inconsistent with this Transaction Agreement. 18. Severability: If any provision of this Transaction Agreement is determined by any court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable to any extent, that provision shall, if possible, be construed as though more narrowly drawn, if a narrower construction would avoid such invalidity, illegality, or unenforceability or, if that is not possible, such provision shall, to the extent of such invalidity, illegality, or unenforceability, be severed, and the remaining provisions of this Agreement shall remain in full force and effect.