DISCLAIMER

THE PEOPLES MONEY including but not limited to the overall project, token, website, smart contracts and any apps
as presented in this conceptual paper is not a licensed, unlicensed or exempted financial or payment
service of any kind and in any jurisdiction. Any terminology used in this whitepaper, on the website or
within the app is intended only as a basic reference, without any effective or legal meaning of the
same terms in a regulated and/or financial environment. e-money and/or fiat money, or an asset-backed stablecoin, whether global or limited in scope.

This whitepaper taken by itself is not a contract or a contractual agreement of any kind, nor is it an
invitation, solicitation or offer to invest in the token or acquire or use tokens in any way and with any
expectation of profit therefrom. Any user of THE PEOPLES MONEY represents and warrants that such user has
received appropriate technical, administrative, regulatory and legal advice before and after accessing
and/or reading this whitepaper or the website, and/or using any portion or element of THE PEOPLES MONEY
including the token. The user hereby acknowledges and accepts that there is an inherent high risk in
accessing, acquiring or using any kind of blockchain and/or crypto system, token, platform, software or
interface, including THE PEOPLES MONEY, and further DISAVOWS any claim of any kind against any community
member directly or indirectly involved with THE PEOPLES MONEY, for any damage suffered, including total loss.

Purchasing TPM tokens involves an element of risk and may lead to the loss of a substantial part or the
entirety of the principal monies advanced. Before purchasing TPM tokens, diligently and thoroughly
assess and take into account the risks identified in this whitepaper, as well as others risks not included
or anticipated in this document. Only purchase TPM tokens if you fully understand the tokenomics of
TPM supply and issuance and the TPM economy.

Crypto assets are not regulated as financial instruments and there is no refund or compensation
available from regulatory bodies such as the UK’s Financial Services Compensation Scheme and similar
bodies in other jurisdictions. The regulatory status of crypto assets remains in flux and varies from
jurisdiction to jurisdiction, presenting owners of crypto assets with a level of legal uncertainty. It is
possible that in the future, certain laws, regulations, policies or rules relating to crypto assets,
blockchain technology or decentralized applications may be implemented that affect or restrict token
holders’ acquisition, ownership rights, and ability to buy, sell, convert or use crypto assets.

Uncertainties regarding tax legislation relating to crypto assets could leave token holders exposed to
unforeseen consequences such as taxable events retrospectively applied or to be applied in the future.
Each prospective TPM purchaser should weigh up their own individual appetite for risk and consider
consulting an independent financial adviser before making any decisions. Readers of this whitepaper
may also need to consult a tax professional, accountant, lawyer or other professionals in order to fully
satisfy themselves regarding any outstanding matters related to how THE PEOPLES MONEY is designed
and operated, before deciding whether a purchase of TPM tokens would be in line with their risk profile.
Cryptocurrencies may be unregulated in your jurisdiction. The value of cryptocurrencies may go down
as well as up. Profits may be subject to capital gains or other taxes applicable in your jurisdiction.