Customer declaration

For Individuals, Shareholders, and Trustees of Investment Companies Incorporated via InProved

Introduction

By clicking “Agree & Submit” or similar call-to-action buttons, you confirm that you (in your personal or representative capacity) agree to be treated as a Customer under the PSPM Act 2019 and an Accredited Investor under the SFA, and that you understand the regulatory consequences of this classification. This form applies whether you are investing directly or through an investment company created on the InProved platform, in which you are a shareholder, director, or trustee.

You must also have read and understood Schedule A, which explains the legal implications of opting in under Singapore’s statutes.

Declaration

I represent, warrant, and undertake that:

• I qualify as an Accredited Investor under Section 4A(1)(a)(i)–(vi) of the Securities and Futures Act 2001 (SFA) and I agree to be treated as such.

• I agree to be treated as a Customer under the Precious Stones and Precious Metals (Prevention of Money Laundering and Terrorism Financing) Act 2019 (PSPM Act), whether I am investing in a personal capacity or on behalf of a company or trust.

• I understand that I may also be treated as a Client under the Financial Advisers Act 2001 (FAA).

• All information and supporting documentation I provide (as an individual, director, shareholder, or trustee) is true, accurate, complete, and current.

• I will inform InProved of any change in my status, or of any material change to information previously provided, within 14 days of such change.

• InProved retains full discretion to determine whether I (or the entity I represent) qualify as an Accredited Investor and/or Customer.

Opting-In Scope

This opt-in applies to:

• 1. You as an individual, transacting in your personal capacity;

• 2. You as a shareholder of an investment company incorporated via InProved, which may hold bullion, manage assets, or engage in tax-efficient investment strategies;

• 3. You as a trustee or director of a structure set up via InProved for the purpose of managing assets, distributing returns, or executing long-term wealth plans;

You acknowledge that this opt-in covers all transactions, investment accounts, bullion plans, and hedging strategies conducted or administered through InProved or via any company you’ve established through our platform.

Regulatory Classification

By agreeing to this form, you consent to the following:

• ✅ To be treated as an Accredited Investor under the SFA, whether acting individually or through a company, and understand the implications such as limited regulatory protections, exemptions from prospectus requirements, and product suitability waivers.

• ✅ To be treated as a Customer under the PSPM Act 2019, which means that all bullion-related transactions—whether personal or through a company—must be conducted through a regulated dealer like InProved, and are subject to customer due diligence and transaction monitoring.

• ✅ Where applicable, to be treated as a Client under the Financial Advisers Act 2001 (FAA), with an understanding that InProved may rely on Accredited Investor exemptions in the way investment recommendations or insights are offered to you or your entity.

Important for Shareholders and Trustees of Investment Companies

As a shareholder, trustee, or director of an investment company created via InProved, your opt-in has the following implications:

• Your company may be treated as an Accredited Investor entity under Regulation 2 of the Securities and Futures (Classes of Investors) Regulations 2018, if it meets qualifying asset thresholds or is wholly owned by Accredited Individuals.

• You confirm that any company you form via InProved does not raise money from the public, and its structure and operations are for private investment and asset protection purposes only.

• You consent to your investment company being treated in the same regulatory manner as you, for the purpose of facilitating access to premium investment products, pricing advantages, and tax-efficient structuring.

Opting-Out

You may withdraw your consent to be treated as both a Customer and an Accredited Investor at any time by emailing support@inproved.com.

Your opt-out will take effect 30 days after we confirm receipt. Upon withdrawal:

• InProved will no longer treat you or your associated entities as Accredited Investors or Customers.

• Certain services, pricing structures, and products will no longer be accessible.

• Previous agreements and transactions remain binding under their existing terms.

Governing Law

This Declaration and Opt-In Form shall be governed by and construed in accordance with the laws of Singapore.

• ✅ By clicking "Agree & Submit" or similar call-to-action buttons, I confirm that I (and any investment company I represent) have read and understood this Declaration and Schedule A, and consent to be treated by InProved as both a Customer and an Accredited Investor for all services and transactions.

Schedule A: Summary of regulatory consequences for accredited investors & customers (expanded for investment companies & trustees)