APPENDIX 1: PROHIBITED BUSINESSES AND PROHIBITED USE The following categories of businesses, business practices, and sale items are barred from Welnance services ("Prohibited Businesses"). By opening a Welnance account, you confirm that you will not use Welnance services in connection with the following businesses, activities, practices, or items: Operating as an unlicensed money transmitter, money service, payment service provider, e-money, or any other financial services business which requires licensure, including but not limited to exchanges of virtual currencies, sales of money orders or traveler's checks, and escrow services Counterfeit products or any product or service that infringes upon the copyright, trademark, or trade secrets of any third party Stolen goods Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs Gambling, except where permitted by Welnance Sports forecasting or odds making Prostitution or illegal escort services Violent acts towards self or others, or activities or items that encourage, promote, facilitate or instruct others regarding the same Funding any of the items included on this Prohibited Businesses list Extortion, blackmail, or efforts to induce unearned payments Unlicensed sale of firearms and certain weapons Engaging in deceptive marketing practices Any business that violates any law, statute, ordinance or regulation You may not use your Welnance Account to engage in the following categories of activity ("Prohibited Use"). By opening a Welnance Account, you confirm that you will not use your Account to do any of the following: Violate or assist any party in violating any law, statute, ordinance, regulation or any rule of any self-regulatory or similar organization of which you are or are required to be a member (for example, those laws, rules, or regulations governing financial services, controlled substances, or consumer protections); Partake in a transaction which involves the proceeds of any unlawful activity; Partake in any transaction involving online gambling except where permitted by Welnance; Defraud or attempt to defraud Welnance or other Welnance users; Infringe upon Welnance's or any third party's copyright, patent, trademark, or intellectual property rights; Provide false, inaccurate or misleading information; Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information; Interfere with another individual's or entity's access to or use of any of the Welnance Services; Defame, abuse, harass, stalk, threaten or otherwise violate or infringe the legal rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others; Publish, distribute or disseminate any unlawful material or information; Transmit or upload any material to the Welnance Site that contains viruses, Trojan horses, worms, or any other harmful or deleterious programs; Harvest or otherwise collect information from the Welnance Site about others, including without limitation email addresses, without proper consent; Act as a payment intermediary or aggregator or otherwise resell any of the Welnance Services, unless expressly authorized by Welnance in writing; Transfer any rights granted to you under this Agreement; Use the Welnance Account information of another party to access or use the Welnance Site, except in the case of specific Merchants and/or applications which are specifically authorized by a user to access such user's Welnance Account and information; Otherwise attempt to gain unauthorized access to the Welnance Site, other Welnance Accounts, computer systems or networks connected to the Welnance Site, through password mining or any other means; or Engage in transactions involving items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the law. Take any action that Welnance deems as circumventing Welnance controls, including, but not limited to, opening multiple Welnance Accounts or abusing promotions which Welnance may offer from time to time. Laos Residents are prohibited from using Welnance for money transmission or to conduct any other financial activity requiring licensure or covered by regulations governing financial services.