WORLD WEALTH BANK

PRIVATE MEMBERSHIP AGREEMENT AND TERMS OF SERVICE

Updated June 27, 2021

World Wealth Bank is a private member association and unincorporated business trust

“The Secret to Change is not to fight the old – but to build  the new”  Hippocates

The intention of World Wealth Bank (WPN), a Private Membership Association (hereinafter ‘PMA’) is to create an environment of everlasting prosperity through the sustainable practices that promote abundant wealth; health, sustainable energy, harmonic relationships, family wealth, and a spirit of community for its members.

Benefits of membership include access to information concerning the creation, recovery, maintenance, and improvement of wealth, assets, health technologies, energy technologies, orgnaic food production, and environmental technologies, some of which are in the purview of “common knowledge,” some of which are approved or cleared by the United States Food and Drug Administration (the FDA) and some of which are alternative or emerging technologies that do not have an approval or clearance by the FDA or any other privately held entities, organizations, or foreign corporations. 

        In order to protect the PMA and all members, as well as the discoverers, inventors, manufacturers, distributors of any new device, product, procedure or service that can be used for man or animal’s health and wellness care from any adverse action by the FDA, or any other “federal regulatory agency” or any other (e)”state agency”, in exchange for the benefits offered by the PMA, all members consent to the terms and conditions set forth in this contract.

        Every member joins the PMA as a real flesh and blood living sentient man or woman in their natural and highest character, capacity and standing; fully equal to all other men or women members.

        Predicated on the above and in order to protect all PMA members from the application of public law, each member privately agrees to take upon themselves the care and responsibility for their own health (and the health of those dependent upon them) and in so doing agrees to do due diligence regarding anything offered to them by any of representative, as well as make informed decisions on health and healthcare that the members think best for living a healthy life, including preventing, diagnosing and treating any discomfort, pain, deformity, disability, disease, illness or wound in or to any member’s body, mind or spirit in order to attain, restore, improve and maintain optimum physical, mental and spiritual wellness.

 Please read this contract carefully and make sure that you understand it. If you are unable to read or understand English, please have someone read and explain this contract to you.

Articles of Association

ARTICLE I: Intent and Purpose

1.1    The intent of all members of this Private Membership Association (PMA) is to be able to privately obtain all available historical or newly developed data, facts, information, knowledge and research about any and all newly developed or discovered devices, products, procedures, properties, and services that may be used in maintaining, improving or recovering health or that can be used in health or wellness care.

1.2.   The purpose of this PMA is for the members to gain access to and obtain by lease, rent, purchase or the use of any such device, property, or product and to perform such procedures or services by and on ourselves or each other using any and all treatment modalities and therapies at their highest and best capacities; without regard to any form of governmental approval, popularized commercial ideologies, clearance or permission.

ARTICLE II: PMA Name

2.1.    The name of this PMA is World Wealth Bank.

ARTICLE III: Assertion of Rights by Members

3.1.   In order to achieve the above stated purpose all PMA members consent to assert, stand upon and enforce all their applicable fundamental, unalienable, constitutionally secured, judicially or statutorily created or recognized perfect rights (rights) as human creatures.

3.2.   All members consent to the principles established as God-given rights, heirs to the World Kingdom Estate, and in the common-law with All Rights Reserved (UCC 1-308). Any references hereunder do not limit any right, value, or privilege, but only serve as a guide to the quality of life pursuant hereunder, without restraints or restriction of any organized legal fiction, corporate entities, either foreign or domestic, or corporate body code enforcers posing as law enforcement, federal government, or otherwise.

3.3.   All PMA members consent to assert and stand upon their unalienable rights to Life, Liberty and the pursuit of Happiness; private property; the specific God-Given as in the inheritance of the World Kingdom Estate included rights and any rights derived from a case decision including, but not limited to, the rights to freedom of association, speech, the press, privacy and especially regarding individual health and wellness care and acknowledge that all such rights are or can be applicable to all people.

3.4.   All PMA members agree to assert, stand upon and enforce all their perfect rights especially those expressly enumerated in (or that by reason, logic and common sense, common-law, statute or case law have been incorporated in) Article I, Section 10 and Articles in Amendment One, Four, Five, Nine and Ten of the California and federal Constitutions that secures to each and every member of the PMA the absolute unalienable right to control their own body, mind and spirit.

3.5.   All PMA members agree to assert, stand upon and enforce their absolute freedom of choice in health education and in the means, manners, modalities and treatments regarding health or wellness care at all times while dealing privately/individually with other PMA members within the operation of the PMA on matters that are or could be considered generally to be within the scope and purview of the PMA.

ARTICLE IV: Waiver of Privileges

4.1.   All PMA members agree that they do not consent to and will not call upon, depend or rely upon any governmental authority[2] for a determination of the safety, efficacy, lawfulness or legality of any form of healthcare device, product or treatment suggested, offered or provided by any other PMA member. Each PMA member agrees that they will exercise due care and do due diligence regarding any form of healthcare treatment discussed with or suggested by any other member before beginning any such treatment.

4.2.   All PMA members do hereby specifically release and hold harmless from any and all liability any governmental authority for any act or omission made by one PMA member[3] to another member including, but not limited to, any and all previously licensed chiropractors, dentists, doctors and all other “licensed” medical care providers or practitioners, governmental licensing administrative agencies or boards and all equivalent or similar agencies to THE UNITED NATIONS’ (hereinafter referred to as the “UN”) WORLD HEALTH ORGANIZATION; the UNITED STATES DEPARTMENT OF HEALTH AND HUMAN SERVICES, FOOD AND DRUG ADMINISTRATION (FDA); the NATIONAL INSTITUTE OF HEALTH; MEDICARE; MEDICAID (and all similar state agencies); and laws including, but not limited to, the PATIENT PROTECTION AND AFFORDABLE CARE ACT, Pub.L. 111-148, 124 Stat. 119 (a.k.a. “Obama Care”).

4.3.   All PMA members specifically waive all benefits offered by the Medical Practices Acts, as amended, of any of the fifty (50) independent freely associated compact (e)states of The United (E)States of America; the Federal Food, Drug and Cosmetic Act, as amended; the Food Safety Modernization Act, as amended; the Electronic Product Radiation Control Act, as amended; the FOOD AND AGRICULTURE ORGANIZATION OF THE UNITED NATIONS’ WORLD HEALTH ORGANIZATION’S Codex Alimentarius, as amended, and any and all similar local, municipal, city, county, state, federal or international legislation, public law, public policy or efforts purporting to statutorily control or regulate healthcare practitioners, devices, products, procedures, services, treatment modalities, or the sale of any devices, products, procedures or services used for health, wellness or healthcare.

4.4.   Every PMA member hereby specifically holds harmless and releases from liability each and every local, municipal, county, state, federal and international court (magistrate, judge or justice) from adjudicating any matter arising from participation in this PMA and for any act or omission (except for an act or omission creating a “clear and present danger of substantive evil” as determined by a jury for a court of competent venue and jurisdiction) made by any PMA member. No PMA member shall grant any magistrate, judge or justice of any court in The United States of America, or any international court, personal jurisdiction over such member while acting within or who has acted within the scope and purview of this PMA until such member has exercised all available remedies set forth herein in paragraphs 13 and 14.

4.5.   All PMA members hereby specifically agree that as long as each and every one of the above-referenced administrative agencies and personnel; courts and the officers thereof leaves each and every PMA member alone that all PMA members will waive any and all rights to either institute a case or civil action or become a proper party in any law suit or civil action against, or request criminal prosecution[4] for the deprivation of rights under color of law for any of the above stated persons’ or entities’ attempt to deprive any member of his/her rights included or referred to herein.

4.6    In order to provide remedy for the above waived rights, all PMA members shall have the right, starting first within the PMA, to select a panel of members to serve as arbitrators to hear any grievance a member brings against either the PMA or another member. The panel shall consist of a minimum of five members, two selected by the aggrieved party, two by the accused party and one selected by the PMA. The fifth member shall be a Director of the PMA unless the PMA itself is accused. In any case that the PMA itself is accused, the fifth member may be any other PMA member who is not an injured or aggrieved party to the issue and who is agreeable to both the aggrieved party and the accused.

4.7.   In the event that an internal arbitration is unsuccessful, all parties agree next to seek binding arbitration from a source outside the PMA. This arbitration can be conducted by and according to the rules of the American Arbitration Association or by any other recognized arbitration association or society that has established by their record that they deal fairly with all parties.

ARTICLE V: Type of Association

5.1.   The PMA is a fully informed voluntary meeting of the minds of free people acting in their natural, real, character, capacity and standing;[5] associating together pursuant to the intent, purpose, express provisions, terms, conditions and principles set forth in this contract.

5.2.   The PMA is not a public entity of any kind whatsoever created by or under any governmental authority or statute (a statutory association, corporation, Limited Liability Company, limited or general partnership, foundation, statutory trust, etc.).

ARTICLE VI:  Benefits of Membership

6.1.   The PMA offers people only one thing, membership. Membership includes access to information on devices which generate or use color, electricity, light, magnetic energy, oxygen, ozone, radiation and sound vibration stimulation and associated devices. From time-to-time the PMA may also, at its sole discretion, provide members with marketing assistance including, but not limited to, demonstrations, educational materials, presentations and training in the use of available or endorsed products and how they are complementary with most alternative, conventional, holistic or natural, complementary and comprehensive healthcare services, modalities and procedures and other healthcare equipment including, but not limited to, everything from the most ancient but effective treatments, products and procedures through the most modern advanced methods, technologies and products to diagnose all aspects of any disease or illness effecting any member and to provide all members the most effective means of affordable treatment; the sale of educational materials and products which may present alternates to conventional medical procedures; and, the sale of products which are alternatives to pharmaceutical company medications (including, but not limited to, devices which generate or use color, electricity, light, magnetic energy stimulation, radiation, vibration, or sound stimulation and devices such as low-power lasers, censors, air and water purifiers and treatment equipment, ozone generators, vitamins, minerals, herbs, enzymes, phytonutrients and whole or raw foods and drinks etc.).

6.2.   Every PMA member shall be entitled to access the member’s only part of the PMA’s website containing the PMA’s private research data and materials; to the advice and counsel of each and every other PMA member on any topic of health or wellness care. Every PMA member is encouraged to publish their own N of 1 and One of One research on the PMA’s website or to otherwise let all other PMA members know about their individual successes or failures while undergoing any particular treatment regarding the relief of discomfort or pain and the successful treatment of any wound or of any symptom of any disease or illness.

6.3.   No PMA member accepts any liability for any acts or omissions committed by either the PMA or by any other PMA member.

6.4.   Membership does not convey any right, title or interest in the PMA or to any asset or property acquired or owned by the PMA.

ARTICLE VII: Membership and Consideration

7.1.   The PMA is open to every man or woman of lawful age who is competent to enter a lawful binding contract and, through them, their family members and persons lawfully in their care, custody or under their control.

7.2.   As set forth above, although everyone is welcome to apply for membership, in order to protect the privacy of the PMA and the members thereof membership is neither offered nor available to any agent, employee, officer or official (person) engaged in any investigative or regulatory activity that is or may be relevant to the PMA by any state, federal or international government or governmental administrative agency; licensing association or board; any person engaged in any form of law enforcement performing any investigative activity or function or while acting in any official or quasi-official character or capacity whatsoever for any government or governmental authority. Anyone in any such character and capacity privately requesting membership for the enhancement, preservation, and recovery or to prolong their own or their families’ health must agree to uphold at all times the privacy of the PMA and of any and all members such person may come into contact with. Every person acting in any manner whatsoever for any administrative agency of any state, federal or international government must agree that this contract takes president over any public law and their employment or official position and agrees not to disclose anything seen, heard or discovered through membership contact with the PMA and its members to any investigative or regulatory entity, state, federal or international.

7.3.   All PMA members agree that all members are equal. There is no, and there shall never be, any public “Doctor-Patient” or “Therapist-Client” type relationship among PMA members. When dealing with PMA members offering alternative healthcare devices, products or procedures all members waive the right to the protections offered to the public by any and all governmental authorities.

7.4.   A list of all current PMA members shall be kept by the Director.

7.5.   Consideration for a Five (5) year membership in the PMA is Twenty-five (25) Dollars, United States silver coin, real money of The United States of America.[6] The membership fee includes all family members and persons in the member’s care, custody or control. The form of money accepted or the stated amount may be modified or waived by the Director or any Associate Director when requested by a prospective member and deemed to be in the best interests of the applicant however, in any event, all members agree that the PMA membership benefits offered and received by the member are worth far in excess of Twenty-five (25) Dollars, silver coin, real money of The United States of America.

ARTICLE VIII

Operation

8.1.   The PMA initially shall operate by and through the Directors. The founders shall serve as the first Directors. The founders and first Directors of the PMA are Dr. Danté Sears, CHt NLLC RMP and Alexa Silverstein.

8.2.   The PMA shall thereafter operate by and through the Directors and as determined or deemed necessary by the Directors, one or more associate directors. Associate directors may be appointed or hired by the Directors. Associate directors may be assigned one or more specific duties and may also be a spokesman for the PMA for all or certain matters. The Directors have appointed John Philip Ellis, Sr. as the first spokesman for the PMA.

8.3.   The Directors reserve the right to select from among themselves, any member or any other man or woman they deem is best able to communicate to act as spokesman should the first spokesman resign, become incapacitated or die.

8.4.   All records created or maintained by the PMA,[7] especially regarding any members’ mental, physical or spiritual condition or health are, shall at all times be, and will always remain the private property of the PMA regardless of who maintains custody of such record or where such record is archived/stored; any such record is protected by, at the minimum, Article IV in Amendment to the federal Constitution and the laws of The United States made in pursuance thereof.

8.5.   The PMA may adopt additional rules and regulations as deemed necessary by the Directors, at the sole discretion of the Directors.

ARTICLE IX: Situs

9.1.   The PMA’s primary place of operation shall be located at:

1968 South Coast Highway #5830

Laguna Beach, CA 92651

ARTICLE X: Money, Banking, Taxes and Fees

10.1. The Director and most PMA members object to the passage of the FEDERAL RESERVE ACT, the FEDERAL RESERVE SYSTEM and the FEDERAL RESERVE NOTE; that is the current paper “fiat currency” of THE UNITED STATES OF AMERICA. However, without prejudice and under the “doctrine of necessity,” the PMA, as an accommodation or under necessity, may have to receive FEDERAL RESERVE NOTES from time-to-time and shall open a bank/brokerage account for the purpose of negotiating any FEDERAL RESERVE NOTES received for paying expenses and taxes and for filing necessary government forms, for which a Director takes full responsibility.

World Wealth Bank shall develop its own negotiable instruments for PMA members to utilize fair trade, bartering, and a rate of exchange that is acceptable for fair negotiations and trades.

10.2. The Directors shall be the sole signatories on any financial account maintained by the PMA. The Directors may delegate this authority to any one director.

10.3. The Directors shall timely pay or dispute any tax assessment levied upon the PMA by any governmental authority.

10.4. The Directors shall review any business licensing law, regulation or rule which may be claimed to be applicable to the PMA’s affairs and determine if any such license is, in fact, required for the PMA’s lawful operation in the venue in which it is located.

ARTICLE XI: Dissolution

11.1  The PMA will automatically terminate upon the death of the last Director; or may terminate voluntarily upon the unanimous vote of the current Directors. Upon voluntary termination all assets of the PMA shall become the private property of the Founders, if then alive and competent; if deceased or incompetent, such assets will become the private property of their spouse, heirs, assigns, devises or estate.

ARTICLE XII: Force Majeure

12.1  Every PMA member specifically holds harmless and releases each and every local, municipal, city, county, state, federal and international magistrate, judge or court from any and all liability arising from any act or omission (except an act or omission creating a “clear and present danger of substantive evil” as determined above) which could be considered to be an “act of God” or otherwise “beyond the control of the Directors of the PMA” regarding any matter arising from a member’s participation in this PMA.

12.2. Conversely, any act or omission, of any kind whatsoever, committed by any person claiming to act or acting under color of law (not acting under actual constitutional authority) may be prosecuted, civilly and criminally, to the fullest extent of the law in any appropriate court.

ARTICLE XIII: Construction and Interpretation

13.1  The definition of all words used in this document, unless specifically defined herein, are as used in conversational English in use in the year 2015 CE, in The United States of America. No legal terms, phrases or definitions are used herein nor shall legal terms, phrases or definitions be used at any time in the future by anyone in order to give this contract a different intent or meaning than that which was intended and given by the author of this contract at the time of this document’s writing.

ARTICLE XIV: Severability

14.1. Each numbered paragraph and all clauses, conditions, provisions, or terms herein are severable. In the event that a jury of a competent court of proper venue and lawful jurisdiction finds any clause(s), condition(s), provision(s) or term(s) unlawful, illegal, void as a matter of law or unenforceable for any lawful reason, it/they shall be deemed excised from this contract and this contract and all remaining clauses, conditions, provisions and terms shall remain in full force and effect.

ARTICLE XV: Proper Venue

15.1. Proper venue is on the land inside the exterior boundaries of California.

ARTICLE XVI: Governing Law

16.1. The laws set forth in paragraph 3.2 above shall be the governing law for the PMA.

ARTICLE XVII: Assignment

17.1. Membership in the PMA is non-assignable.

ARTICLE XVIII: Entire Contract

18.1. The above stated constitutes all clauses, conditions, terms and provisions creating and governing the administration and operation of the PMA. No oral recitations or promises made by any man, woman or person shall have any force of law or legal binding effect on the PMA or on any member thereof when acting within the scope or purview of the PMA.

ARTICLE XIX: Final Claim

19.1. The administration of this contract and the PMA hereby created is generally beyond the scope of authority and powers granted by the people to the de jure Republic form of the government of California and the United States and is protected by no less than Article I, section 10, of the Constitutions for California and the United States and Articles in Amendment IX and X of the federal Constitution and the laws of the United States made in pursuance thereof.

The above named PMA is hereby created by the Directors subscribing their autographs below, by their own hands, of their own free will, and by the people identified as Charter Members subscribing their autographs below, by their own hands, of their own free will beginning on this 27th day of June, 2021.

[1]  Including the Original XIII (Thirteenth) Article in Amendment to the federal Constitution.

[2]  The term “governmental authority” used in this contract means and includes any and all local, municipal, city, county, state, federal or international governmental administrative agencies, instrumentalities, subsidiaries or organizations; each and every agent, employee, officer, official or servant thereof weather acting in an administrative, judicial or in any representative character and capacity whatsoever.

[3]  Except if the PMA or a PMA member commits any act, makes any omission, publishes or utters any statement which creates a “… clear and present danger that they will bring about substantive evils that Congress has a right to prevent.” Schenick v United States, 249 U.S. 47 (1919) as determined by a jury for a court of competent venue and jurisdiction.

[4]   See Sections 242 and 241, Title 18 UNITED STATES CODE.

[5]  Proper parties to this contract are not legal, fictional or lost “persons” acting in any commercial, legislative or public character or capacity; they do so simply as a real private living sentient fully informed man or woman.

[6]  See Article in Amendment VII [Seven] to the federal Constitution.

[7]  Includes, but is not limited to, any and all written/printed documents, photographs, X-ray films, CAT scans or MRI results whether on film or as computer generated images, audio/video recordings and the like and any and all paper, magnetic, electronic or optical storage or copies thereof.

Linked Outside Accounts: World Wealth Bank does not guarantee/warrant the accuracy of linked account values, nor assume any liability to third parties relying on this information. This information is intended to serve as a basis for further discussion with your professional advisors. Linked assets listed are NOT held at World Wealth Bank; they are held directly with a third-party custodians.

World Wealth Bank Dashboard: The information provided on the World Wealth Bank Dashboard is intended to serve as a basis for further discussion with your professional advisors. Although great effort has been taken to provide accurate numbers and explanations, the information in this summary should not be relied upon for making investment decisions. World Wealth Bank does not guarantee/warrant the accuracy of linked account values, nor assume any liability to third parties relying on this information. All assets listed are NOT held at World Wealth Bank; they are held directly with a third-party custodians.

PLEASE READ THE FOLLOWING USER AGREEMENT CAREFULLY BEFORE USING (OR CONTINUING TO USE) THIS WEBSITE OR THE APPLICATIONS AND OTHER FEATURES OFFERED THROUGH THIS WEBSITE. This website (the “website” or “site”) is operated by World Wealth Bank (“WWB”). All registered users of this website agree that access to, and use of, this site and any of the applications and other available features (collectively the “Applications”) are subject to the provisions of this User Agreement, in addition to the general Terms and Conditions of this site. In the event of any conflict between this User Agreement and the Terms and Conditions, this User Agreement shall control. If you do not agree to this User Agreement, you may not use Applications and areas of the site that are only accessible to registered users.

World Wealth Bank uses third-party technology to aggregate client assets that are held away. This technology is provided by World Prosperity Network (WPN). World Wealth Bank is affiliated with WPN under common control and ownership. Clients are not charged extra for these services, but a portion of the client fee paid to World Wealth Bank is paid to WPN for these services.

In addition to WPN, World Wealth Bank also uses a third-party service provider, WordPress to host and maintain the infrastructure of a portion of this site. The first time you access this section, you will be required to accept WordPress Terms of Use.

Wealth Portal Registration and User Account: Upon registration you are required to establish a user account, which will be accessible upon input of an authorized email address, a designated password, and other required information at either log in or initial user registration. You are responsible for maintaining the security of any user passwords or other access codes for use with the site, and you are also responsible for the integrity and security of the operating environment from which you access the site.

Scope of Access and Related Rights: Subject to the provisions of this User Agreement, World Wealth Bank grants to you a limited, revocable right to access and use solely for your own personal use (and not on behalf of any third party) this website and the Applications. You may not use this site on any basis for a third party, on any rental or timesharing basis, or where a third party is charged by you for the use of this site or the use of the Applications or the results of the Applications. You agree not to modify, adapt or translate any part of the site or the Applications, or reverse engineer, decompile, disassemble, or otherwise attempt to discern the source code of the Applications or this website. Further, you may not reproduce all or any portion of the Applications or this site. The Applications and this website are the intellectual property and confidential information of and are owned by World Wealth Bank.

Provide Accurate Information: You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other websites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.

Proprietary Rights: You are permitted to use content delivered to you through the Wealth Portal. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the service.

Content You Provide: You are licensing to World Wealth Bank and its service providers as defined above, any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the service. World Wealth Bank and its service providers may use, modify, display, distribute and create new material using such Content to provide the service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, World Wealth Bank may use the Content for the purposes set out above. As between World Wealth Bank and its service providers, World Wealth Bank owns your confidential account information.

Linked Outside Accounts: By using the service, you authorize World Wealth Bank and WPN to access third-party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant World Wealth Bank a limited power of attorney, and you hereby appoint World Wealth Bank as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third-party Internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each act and all things requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNWPNEDGE AND AGREE THAT WHEN WORLD WEALTH BANK OR WPN ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY SITES, WORLD WEALTH BANK IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the service is not endorsed or sponsored by any third-party account providers accessible through the service.

DISCLAIMER OF WARRANTIES: YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WORLD WEALTH BANK AND WPN EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WORLD WEALTH BANK AND WPN MAKE NO WARRANTY THAT: (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WORLD WEALTH BANK OR WPN THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

LIMITATION OF LIABILITY: YOU AGREE THAT NEITHER WORLD WEALTH BANK OR WPN NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WORLD WEALTH BANK OR WPN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE, (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE, (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE, (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD-PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES, OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.

Indemnification: In respect to non-advisory services performed by World Wealth Bank, you agree to protect and fully compensate World Wealth Bank and WPN and their affiliates from any and all third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney’s fees) caused by or arising from your use of the service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that WPN is a third-party beneficiary of the above provisions, with all rights to enforce such provisions as if WPN were a party to this Agreement.

Electronic Signature and Affirmations; Investor Representation; Acceptance of Investment Adviser Agreement; Reaffirmation of User Agreement:

At certain times during your use of the site and Applications on the site, you may be requested to accept or decline or otherwise acknWPNedge certain terms and conditions, agreements, notices and/or disclaimers. In each such instance, you agree that your clicking on the appropriate box, tab or other link shall constitute an electronic signature for purposes of your use of the site, and the Applications and the electronic record thereof maintained by World Wealth Bank shall be considered conclusive evidence of whether you accepted, declined or otherwise acknWPNedged such matter, absent manifest error by World Wealth Bank.

Certain areas of the site are only available for use by individual investors solely for his or her own account (an “Individual Investor”) in the United States and the information contained on this site in connection with such areas and Applications is only made available on that basis. Accordingly, upon your use of any such area or Application, you may be prompted to represent (and upon each use of such area or Application will be deemed to have represented) (the “Representation”) to World Wealth Bank that you are an Individual Investor accessing this site from the United States solely for your own account. World Wealth Bank is not a registered broker or dealer. Consequently, no information contained in this site constitutes an offer by any member, employee or affiliate of World Wealth Bank to buy or sell any securities or financial instruments. Neither World Wealth Bank nor any affiliate will have any liability to you for any losses arising directly or indirectly from any information accessed as a result of any false or erroneous Representations made by you.

Use of certain areas of the site or Applications on the site requires agreement to an Investment Adviser Agreement. When you use any such areas or Applications, you will be prompted to review and agree to or decline agreement of the terms of the Investment Adviser Agreement.

By making the Representation and by agreeing to the World Wealth Bank Advisory Agreement, you have also been deemed to have reaffirmed your agreement to, and that you have read and understood, this User Agreement.

Website and Applications Updates: From time to time, World Wealth Bank may update the Applications and this website, which updating shall be at World Wealth Bank’s sole discretion. World Wealth Bank shall have the right at any time, in its sole and absolute discretion, to modify or delete features and to change the operating interface of this website or in the Applications, or to change the hardware and computer system specifications necessary or recommended to operate or access the website and/or Applications. World Wealth Bank does not warrant the level of performance of the Applications, that newer versions of the website or Applications will continue to be accessible in a user’s specific operating environment unless that environment conforms with the specifications applicable to such new version, or that earlier versions of the website or Applications will continue to be accessible upon release of newer versions.

Termination: World Wealth Bank may terminate and disable your access to this website and the Applications at any time if you violate this User Agreement. You agree that World Wealth Bank will not be liable to you or any third party for any termination or disabling of your use of this website or the Applications as a result of your failure to comply with this User Agreement. If your use of our site is terminated or disabled for any reason, the provisions relating to Copyrights, Trademark, Warranty Disclaimers, Limitations of Liability, Indemnification and Miscellaneous, shall survive any such termination or disabling of access.

Disclaimers and Cautionary Notes: THIS SITE AND THE APPLICATIONS AVAILABLE ON OR THROUGH THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WORLD WEALTH BANK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THIS SITE, THE APPLICATIONS OR THE USE THEREOF, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WORLD WEALTH BANK DOES NOT REPRESENT OR WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR THE APPLICATIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT THE DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, THE APPLICATIONS OR THE SERVER THAT MAKES THE SITE AND APPLICATIONS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WORLD WEALTH BANK DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF THE INFORMATION ACCESSIBLE THROUGH THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY OR OTHERWISE. SOME STATES DO NOT PERMIT CERTAIN LIMITATIONS OR EXCLUSIONS ON WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. WORLD WEALTH BANK IS PROHIBITED UNDER APPLICABLE U.S. SECURITIES LAWS FROM OFFERING INDIVIDUALIZED INVESTMENT ADVICE THROUGH OUR WEBSITE AND, THEREFORE, WE ADVISE YOU THAT WE WILL NOT BE ABLE TO RESPOND TO ANY PERSONAL QUESTIONS ABOUT YOUR PARTICULAR INVESTING SITUATION. WE ALSO STRONGLY ADVISE YOU AGAINST POSTING ANY PERSONAL INFORMATION IN ANY PART OF OUR SITE THAT ALLOWS POSTING OF COMMENTS OR QUESTIONS, AS SUCH AREAS OF OUR SITE ARE OR MAY BE OPEN TO ALL USERS OF THE SITE, INCLUDING BOTH REGISTERED AND UNREGISTERED USERS AND YOUR PERSONAL INFORMATION COULD BE COMPROMISED OR STOLEN. WITH RESPECT TO ANY INFORMATION CONCERNING PERFORMANCE OF ANY FUNDS OR OTHER INVESTMENTS, WE CAUTION YOU THAT FUTURE PERFORMANCE MAY BE LOWER OR HIGHER THAN OUR EXPECTATIONS, AND THAT CURRENT PERFORMANCE MAY BE LOWER OR HIGHER THAN THE HISTORICAL PERFORMANCE, AND HISTORICAL PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. PRICE, VALUE, YIELD AND RETURN WILL VARY, AND YOU MAY HAVE A GAIN OR LOSS WHEN YOU SELL. EXCHANGE TRADED FUNDS (“ETFs”) ARE SUBJECT TO RISKS SIMILAR TO THOSE OF STOCKS. INVESTMENT RETURNS WILL FLUCTUATE AND ARE SUBJECT TO MARKET VOLATILITY, SO THAT AN INVESTOR’S SHARES, WHEN REDEEMED OR SOLD, MAY BE WORTH MORE OR LESS THAN THEIR ORIGINAL COST. UNLIKE MUTUAL FUNDS, SHARES OF ETFS ARE NOT INDIVIDUALLY REDEEMABLE DIRECTLY WITH THE ETF. MUTUAL FUNDS ARE SUBJECT TO RISKS SIMILAR TO THOSE OF STOCKS. INVESTMENT RETURNS WILL FLUCTUATE AND ARE SUBJECT TO MARKET VOLATILITY, SO THAT AN INVESTOR’S SHARES, WHEN REDEEMED OR SOLD, MAY BE WORTH MORE OR LESS THAN THEIR ORIGINAL COST. WORLD WEALTH BANK USES REASONABLE EFFORTS TO UPDATE THE INVESTMENT PLAN INFORMATION THAT IS AVAILABLE ON OUR SITE EACH DAY THAT THE MAJOR STOCK EXCHANGES IN THE UNITED STATES OPERATE. HOWEVER, THERE MAY BE CASES WHERE DUE TO TECHNICAL OR OTHER REASONS WE ARE UNABLE TO DO SO. EACH USER IS ADVISED TO CHECK THE APPROPRIATE SECTION OF THE SITE THAT INDICATES THE DATE THAT THE INVESTMENT PLAN INFORMATION WAS LAST UPDATED ON THIS SITE.

Limitations of Liability: WORLD WEALTH BANK SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY LOST PROFITS, THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE APPLICATIONS, THE PERFORMANCE OR USE OF THIS WEBSITE, THE APPLICATIONS, OR ANY INFORMATION OR PRODUCTS AVAILABLE THROUGH THIS SITE, EVEN IF WORLD WEALTH BANK HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW CERTAIN LIMITATIONS OF EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Privacy Policy: We are diligent about protecting your privacy and that of other users of this website. The use of this website is subject to our Privacy Policy, which you may review at https://www.World Wealth Bank.com/privacy-policy.

Applicability of Terms and Changes: This User Agreement is applicable to you upon your completing the registration process, which requires you to accept the User Agreement. You agree that World Wealth Bank may revise the provisions of this User Agreement at any time; provided that if World Wealth Bank makes any revisions, World Wealth Bank will provide notice to you of such revisions, which notice may be given by any of the following means: (i) by the posting of a notice on a prominent screen or area within the World Wealth Bankfin.com access menu or when you use an Application that requires you to expressly agree to the User Agreement or the Terms and Conditions (if you are not yet a registered user), (ii) by email to the email address that you provided to World Wealth Bank, (iii) by regular mail to the mailing address that you provided to World Wealth Bank, or (iv) by any other electronic or non-electronic means that World Wealth Bank believes is reasonably likely to alert you to such changes (which may include by labelling the link on our website home page to this User Agreement with the words “Updated User Terms” or similar wording, which will alert you to changes in this User Agreement).

Additional Restrictions on Use; Disclaimers Concerning User Content:

In addition to the disclaimers above, World Wealth Bank does not assume any responsibility to review any communications and materials posted to or created by users accessing the site, and World Wealth Bank is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the site, World Wealth Bank is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any contents or activities on the site. However, World Wealth Bank reserves the right to block or remove communications or materials that it determines to be: (i) abusive, defamatory, or obscene, (ii) fraudulent, deceptive, or misleading, (iii) in violation of a copyright, trademark or other intellectual property right of another or (iv) offensive or otherwise unacceptable to World Wealth Bank in its sole discretion.

You further agree that you will not utilize in any manner the site or the Applications products or services we offer on our site:

To violate, whether intentionally or unintentionally, any applicable local, state, national or international law, rule or regulation including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, the rules of any securities exchange or other market system;

To upload, post, email, otherwise transmit, or post links to any material that is false, misleading, or designed to manipulate any ETF or other security or to otherwise disclose any information that you do not have the right to disclose; or

To advertise, offer for sale or sell any securities whether registered or unregistered.

Indemnification: In respect to non-advisory services performed by World Wealth Bank, you agree to indemnify, defend, and hold harmless World Wealth Bank, its officers, directors, employees, agents, licensors and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation by you of this User Agreement or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site or the Applications using your user account.

Third-Party Links: In an attempt to provide increased value to our visitors, World Wealth Bank may link to sites operated by third parties. However, even if the third party is affiliated with World Wealth Bank, World Wealth Bank has no control over these linked sites, all of which have separate privacy and data collection practices, independent of World Wealth Bank. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, World Wealth Bank seeks to protect the integrity of its website and the links placed on it and therefore requests any feedback on not only its own site, but for sites it links to as well (including if a specific link does not work).

Notice and Address: World Wealth Bank may deliver notices to you concerning your activities on this site by means of email, a general notice on the site, or by other reliable method to the address you have provided to World Wealth Bank. World Wealth Bank’s email address is: [email protected]

Miscellaneous: Your use of this site and the Applications shall be governed in all respects by the laws of the state of California, United States, without regard to choice of law provisions, and not by the U.N. Convention on Contracts for the International Sale of Goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site or the Applications shall be in the state or federal courts located in the County of Los Angeles, California. Any cause of action or claim you may have with respect to the site or the Applications must be commenced within one (1) year after the claim or cause of action arises. World Wealth Bank’s failure to insist upon or enforce strict performance of any provision of this User Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of this User Agreement. World Wealth Bank may assign its rights and duties under this User Agreement to any party at any time without notice to you.