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Business Club Token and other Cryptocurrencies known as Digital Currencies or Virtual Currencies are not bank deposits, are not backed by the government, are not legal tender. Accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation or any other governmental or government-backed protections. Legislative and regulatory changes or actions at the State, Federal, or international level may adversely affect the use, transfer, exchange, and value of Digital Currencies.