HBUS Inc. operates a virtual currency marketplace online and is registered with FinCEN as a money services business. Video, audio and textual materials published by HBUS Inc. online and in print from time to time are for informational purposes only and are not intended as and shall not be construed to be a guarantee of returns or an offer of or solicitation for the purchase or sale of virtual currencies. At present, virtual currencies are issued primarily by private entities and have no legal tender status in the United States. Virtual currencies are not securities and your virtual currency balances maintained by us are not insured by either the FDIC or the SIPC. Neither is HBUS Inc. an “exchange” regulated by the SEC. Trading virtual currencies can lead to large and immediate financial losses because of, among other things, volatile market prices, flash crashes, general market manipulation outside of HBUS Inc.’s control, and cybersecurity risks.