Anti-money Laundering and Anti-terrorist Financing User Guide of Dcoin OTC

Article 1: Purpose and Basis. With money laundering activities will cause serious damage to the development of the Cryptocurrency transactions, feed and breed for corruption and degrade social conduct, damage the legitimate rights and interests of users, destroy the basis of cryptocurrency transaction platform stable operation, increase the laws and operations risk of the cryptocurrency transaction platform, to prevent money laundering and terrorist financing activities, Dcoin fully perform anti-money laundering and counter-terrorism financing legal regulations. According to "Dcoin anti-money laundering rules," User agreement ", "Large transaction management measures" and so on, these guidelines are formulated.

Article 2: Application Range. These guidelines apply to all users trading on the OTC platform of Dcoin (hereinafter referred to as the "OTC"). The users shall comply with the laws of the country or region where the users are located in respect of anti-money laundering and anti-terrorist financing and shall implement the provisions of these guidelines to the extent prescribed by the laws of the country or region where the users are located. If the country or region where the users are located has more stringent requirements, such provisions shall be observed.

Article 3: The Anti-money Laundering and Anti-terrorism Financing.  The anti-money laundering and anti-terrorism financing means that to take relevant measures in accordance with relevant laws and anti-money laundering regulations of Dcoin to prevent criminals through the OTC transactions to cover up and hide drug crimes, the underworld property organization crime and terrorism crime, smuggling, embezzlement and bribery crimes, financial fraud crimes, destroying financial management order crime and the illegal income and its benefits to the source and nature of the money laundering activities.

Article 4: Anti-money Laundering Related Provisions of Dcoin. The anti-money laundering (including anti-terrorist financing, the same below) related rules of Dcoin include the "Anti-money Laundering Rules of Dcoin", the anti-money laundering part of the "User Agreement", the "Large transaction management measures" and these guidelines. In the event of any conflict between the provisions of these guidelines and other rules, these guidelines shall prevail.

Article 5: Anti-money Laundering Basic Principles of OTC Platform. OTC platform shall carry out customer risk monitoring in accordance with the following principles:

• The principle of comprehensiveness. OTC platform will take all risk factors that customers may be suspected of money laundering into consideration and take reasonable measures to monitor the risks of all customers.
• The principle of prudence. On the basis of fully understanding customers, OTC platform will improve its ability to identify customers and prudently monitor customer risks.
• The principle of sustainability. OTC platform will continue to pay attention to customer risks and respond accordingly.
• Confidentiality principle. The customer identity information, transaction information and risk level information held by the OTC platform shall be kept strictly confidential and shall not be provided to any entity or individual except in accordance with legal provisions and regulatory requirements.
• The principle of hierarchical management. According to the risk level of customers, the OTC platform shall periodically review the basic information of customers saved. The audit of customers with higher risk level shall be stricter than that of customers with lower risk level.

Article 6: Submission of Individual User Documents. an individual user shall submit the following information and materials in accordance with Dcoin's anti-money laundering regulations:

• Personal name;
• Copy of ID card or passport;
• Other information or documents that should be provided in response to an OTC request.

Article 7: Submission of Documents of Institutional Users. OTC institutional users shall submit the following information and materials in accordance with relevant anti-money laundering regulations of Dcoin:

• Company name;
• The registered office address of the company;
• Legal representative of the company;
• The domicile of the company's legal representative;
• The company's business license;
• A copy of the ID card or passport of the company's legal representative;
• Other information or documents that should be provided in response to an OTC request.

Article 8: Review of Users' Documents. OTC platform will verify and record relevant information submitted by customers in accordance with the customer identification system stipulated in the anti-money laundering regulations of Dcoin. If there is any doubt about the information submitted by customers, OTC platform has the right to verify with relevant competent authorities or departments.

Article 9: Monitoring of Low-risk Users. OTC platform will detect low-risk users according to the specific requirements of Dcoin's anti-money laundering regulations. OTC platform reserves the right to adjust the level of low-risk users.

Article 10: Monitoring of High-risk Users. OTC platform will audit high-risk customers every six months, update the basic information of the customer's identity, and learn about the source of funds, use of funds, financial status or business status of the customer.

Article 11: Saving The User File. The OTC platform will take necessary measures according to law to keep the customer identity information and transaction information for a certain period of time. According to the international common rules, the user identity information shall be kept for at least five years after the end of the business relationship and the customer transaction information after the end of the transaction.

Article 12: Notes For Users:  OTC users shall pay attention to the following:

• It is prohibited to lend the user's own account to others;
• It is prohibited to rent or lend users' own identity cards;
• It is prohibited to rent, lend or disclose users' account, bank card, passbook, password and other important personal property information;
• Users shall actively cooperate with OTC platform to identify recognition;
• Select and use safe and reliable third-party financial institutions for payment activities when conducting transactions on the OTC platform.

Article 13: Report of Suspicious Activities.  OTC platform users may report to the OTC platform if they discover that any account may be engaged in money laundering or terrorist financing activities during transactions on the platform.

Article 14: Interpretation of Guidelines.  These guidelines are interpreted by OTC platforms.

Article 15: Effective Date. These guidelines shall come into force as of the date of promulgation.