21st Century Best & Reliable Financial Vehicle Towards Financial Freedom!: July 2015

FinnCiti - City Building Simulation e-Game

About Company

SMI Global Capital Limited.

Headquarter :

Albion Plaza,

2-6 Graniville Road

Tsim Sha Tsui,

Kowloon, Hong Kong.

e-game website : http://www.finnciti.com

e-mail : info@finnciti.com

SMI is a personal financial management educational website game and it is not an investment company. SMI’s very first program launched on 28/05/07 was revamped to an entire new platform called Finnciti-City Building Simulation Game on 12/12/12. It is now continuously thriving after over 8 years being in operation, effectively helping many average peoples in multiplying their spare money. It's success in quantifiable terms, their historical performance had drawn many companies to imitate its foot step.

SMI is registered in the Majesty Seychelles Island, where Global 500 companies such as: Motorola's, Nokia, the world's largest AIA companies were registered there. Seychelles Island is a very well-developed and independent, a tax-free paradise island, where registration is tax-free. Hence SMI also registered there and company CEO (老总) will strive a strong foundation to run this program confidently.

Founder

A Singaporean, private professional fund manager who sought to help Asians ordinary people to grow their money. His name is Simon Ng (老总-黄彦清).

Simon Ng is a strong believer in utilizing the power of leverage and duplication to create wealth. His mission is to provide an unique platform for ordinary individuals to create an infinite income stream not only for themselves, but also for their next generations.

He is always a real expert in the well-known financial experts in South East Asia, well-known fund manager, success guru, with fruitful financial teaching training experience and profound expertise in Singapore. His father was one of Indonesia's largest rubber suppliers, means that he was born in a wealthy family. He has achieved his financial freedom at the age of 31-years-old and becoming one of the Singaporean multi-millionaires. Money for him, it is only a number in the bank. He has two idols worship. The first one is the World's Richest Investor -Mr. Warren Buffet, who is very good at rendering long-term average annual return of 23.6% to his clients, once being the richest man in the world; second is the world's outstanding stock manipulator George Soros. George Soros specialized in the short-term speculation. The average annual income is 30% -38% to his clients. Our founder and CEO Mr.Simon Ng (老总)'s total best record at the Nikkei (stock index, the average index of the 252 companies in Japan) was 15 years without losing. The average annual income to his corporate clients is 41% and the highest in 2005 reached to 76%.

Between 2003 and 2007, he thought hardly and deeply from his bottom of heart about how he could help ordinary folks grow their money, similar to the successes that he had achieved for his corporate clients. It would be novelty to help ordinary people in these days of uncertainty, unemployment, retrenchment, job scarcity, high cost of living, stress and fear. He spent 4 years deriving a reliable and strategic system to ensure that his objective would be met.

His objective is very simple - that is helping ordinary people to have HANDSOME growth on their money in his system.

Our CEO & founder hold strongly to 4 basic guiding philosophy, that are responsibility, integrity, respect and appreciation to ensure that the money system is always healthy, harmonious and continue to grow from strength to strength.

4 years later, finally he successfully developed a so called "3-out-3-in" millionaires equation. Set so that people can achieve financial freedom, currently the world's most powerful financial models and supporting only to win and not to lose in the e-game trading. It is not speculative nor direct sales. It is a combination of ( Warren Buffet compounding interest ) + (stock market Marketing) + (Harvard market exponential growth) + (website new business models).

Some one's sitting in the shade today because someone planted a tree a long time ago.

Practice has been proven, many millionaires and multi-millionaires have been created since its launched in 2007, and obtained many good recognition from the global market, and it is an existing world-renowned brand. Thanks CEO for this prominent platform.

Why Finnciti?

Company's Idea:

Help Civilian Program. (Helping Civilians reach financial freedom)

Making money work for you, providing a unique platform for all of us to improve our lives.

10 REASONS FOR JOINING FINNCITI

No sponsoring is required.

No special skills, no any work experience; no age limit, no under boss control,equal career opportunities.

No influence to your current job, can do as part-time.

You can work in your own way and deadline, no any pressure.

No risks, NO LOSER platform.

Small amount investment, as little as USD105 only.

100% successful opportunity, you deserve it.

The sooner you join, the earlier you win.

50%--400% annual profit with this platform.

Plan for retirement within 3 to 5 Years.

How Does It Work?

You can create an unlimited ID personal account, an user name can be used to manage up to 30 ID personal account.

For example, a set of 100,000EP land are formed in the right and leftsides, you will get 8%,which is 8000EP.

A management bonus of 10% and 5% applied to 1st and 2nd generation of sponsorship. Management bonus is such as you recommend a new developer, say "A" and when "A" matching bonus is 4000EP, then you can get a 10%, that is, 400EP. If "A" recommends a new developer "B" and when "B" matching bonus is 2000EP, then you can get a 5%, which is 100EP.

Register Your Account

Prepare for registered your account

Prepare two e-mail, one is used for your Finnciti account.

Have a designated bank account in order to register.

Select Account package ==>Price List

Normal 10 thousand land (10,000Ep).

Silver 20 thousand land (20,000Ep).

Gold 50 thousand land (50,000Ep).

Platinum 100 hundred thousand land (100,000Ep).

Ruby 200 hundred thousand land (200,000Ep).

Diamond 500 hundred thousand land (500,000Ep).
Note: Only 500 thousand land package must apply form the company and only 3 account for each family.

Are you ready?

You must have two different e-mail accounts.

With the designated bank account.

Have your registration Pin Code ordered from your referrals.

Began to register a new account in step

Step 1 To open Finnciti visit the Web site. https://www.finnciti.com , click on SIGN UP button.

Step 2 Clicks on NEW PROFILE button.

Step 3 Enter your e-mail, Captcha Code and click SEND VERIFICATION LINK button.

Step 4 Please take your registration link in your e-mail.

Step 5 Carefully fill in all the information.

Sign Up Code: Referrals ID No. => Placement ID No. => 1 = left or 2 = right => Your Pin Code => Package type .

Full Name: Your bank account name,must be the same.

Screen Name: Take a simple and easy to remember user name, for sign in, in the future the same username can manage up to 30 ID accounts, it can be more convenient.

Secondary Email Address: This is your backup e-mail.

Bank Country: Which country of your bank accounts. That is, you can use a foreign bank account to participate in this platform.

Accept all terms of the term, enter verification code and press SIGN UP can be.

Step 6 Check your e-mail, there are three account passwords for sign in and other operating.

Sign In to your account https://www.finnciti.com
Fill in all personal information.
Your new account can now officially operating.

What is 3 Out 3 In?

3 out 3 in Robots Selling Formula

Country

Participating country

Finnciti supports ID registration in 18 countries, globally the number of participating bank reaches 51.

Australia

Australia—ANZ
Australia—Westpac

Canada

Canada—Royal Bank of Canada (RBC)
Canada— Canadian Imperial Bank of Commerce (CIBC)

China

China – Agricultural Bank of China 农业银行
China – Bank of Communications 交通银行
China – China Construction Bank 建设银行
China – China Merchants Bank 招商银行
China – Industrial and Commercial Bank of China 工商银行
China – Bank Of China 中国银行
China – China Trust 中信银行
China – Industrial Bank (CIB) 兴业银行

Hong Kong

Hong Kong – HSBC Hong Kong
Hong Kong – Hang Seng Bank
Hong Kong – Bank Of China

Indonesia

Indonesia – Bank Central Asia (BCA)

Italy

Euro – UniCredit Banca
Euro - Skandinaviska Enskilda Banken AB (SEB)

Japan

Japan – Shiga Bank
Japan – Bank of Tokyo – Mitsubishi UFJ (MUFG)

Korea

Korea – Kookmin Bank (KB)
Korea – Woori Bank
Korea – Shinhan Bank

Malaysia

Malaysia – Malayan Banking (MBB)
Malaysia –Public Bank

New Zealand

New Zealand – Bank of New Zealand

Philippines

Philippines – Bank of the Philippines Island
Philippines – UnionBank of the Philippines
Philippines – Allied Bank
Philippines – Metrobank
Philippines – Banco De Oro (BDO)

Singapore

Singapore – Development Bank (DBS) – Autosave
Singapore – United Overseas Bank (UOB)
Singapore - Development Bank POSB (DBS) – Savings Plus
Singapore - POSB Savings
Singapore - POSB Current

Sweden

Sweden – NordeaBank

Sweden – Scandinavian Private Bank

Taiwan

Taiwan – HSBC Taiwan
Taiwan – TaiWan Cooperative Bank
Taiwan – Cathay United Bank
Taiwan – Hua Nan Bank

Thailand

Thailand – Kasikorn Bank

United Kingdom

United Kingdom – Santander UK
United Kingdom – Halifax UK
United Kingdom – NatWest Bank

United States of America

United States– Wells Fargo
United States – JPMorgan Chase & co
United States – Citigroup Inc
United States – Bank ofAmerica Corporation

Vietnam

Vietnam – Vietcombank

Currency Exchange

100 EP Update:14-06-2015
Country	Currency	Sell	Buy
Australia	AUD	1.10	1.20
Canada	CAD	0.96	1.04
China	CNY	6.02	6.54
Euro	EUR	0.85	0.93
United Kingdom	GBP	0.61	0.66
Hong Kong	HKD	7.44	8.15
Indonesia	INR	12787.16	13852.76
Japan	JPY	118.45	128.33
Korea	KRW	1,117.00	1,211.00
Malaysia	MYR	3.61	3.91
New Zealand	NZD	1.21	1.31
Philippines	PHP	41.20	44.70
Sweden	SEK	7.85	8.51
Singapore	SGD	1.28	1.40
Thailand	THB	32.32	35.02
Taiwan	TWD	28.05	30.35
United States	USD	0.96	1.05
Vietnam	VND	20,109.50	21,785.50

Compounding

User Agreement

FINNCITI USER AGREEMENT

SUMMARY:
This User Agreement is the legal agreement between User (referred to individual who wishes to join and has actually joined FINNCITI Pte Ltd (hereinafter referred to as "FINNCITI" or "This Company") as a user of FINNCITI) and FINNCITI Pte Ltd (hereinafter referred to as "FINNCITI" or "This Company"). Therefore, please read all the contents in this user agreement carefully before you register as a user of FINNCITI. Due to situational changes in user, market condition and operation, FINNCITI has the right to alter this user agreement and related terms of service. When amending this user agreement and related regulations, FINNCITI website will announce the modified clause in the related web pages but will not give individual notification to the user separately. A user shall inquire for related notice in FINNCITI official website during each log in into FINNCITI website to read about changes to this User Agreement and other terms of service. The user understand and agree that: regardless whether this agreement is actually being studied carefully or not, as long as the user register as a member of FINNCITI, the user are deemed to have agreed to this user agreement, various terms of service announced by FINNCITI and also any amendments made to this agreement and various terms of service while be willing to be bonded by it. If any dispute occurs, the user cannot counter plead with the reason that he or she has not read the agreement carefully.

FINNCITI reserves the final interpretation right on this agreement and FINNCITI has the ultimate right to determine whether the user violates this agreement or related regulations. This agreement, related terms of service, amendments made irregularly by FINNCITI to this agreement and related terms of service and also data saved in the system memory of FINNCITI's server are the judging standards for client's actions.

ONE: COPYRIGHT STATEMENT

Sources and Copyright of Website Content

1. The copyright of any content, whether it is a trademark, design, text, image or other information, presented by any media in this website belongs to FINNCITI, without the need for special instructions.

2. "All rights reserved" marked in this site is the copyright statement with autonomy authority on the logo icon of the whole site, site design, site structure and also contents and images autonomously designed, compiled and produced by this site.

3. FINNCITI shares equally all the intellectual property rights, subject to related copyrights, trademarks, service trademark, patents, exclusive rights and other protections under intellectual property law.

4. Web services contents of FINNCITI include: texts, software, images, charts and all contents in the advertisement; including other information provided by FINNCITI to the user. All these contents are protected by the relevant law stated above.

5. This site partially contains text content provided by other organization, group or commercial establishment. The copyrights of these contents belong to corresponding providers. This site has obtained permission from the copyright holders before extracting or reproducing these contents and recites the sources according to the agreement.

Quoting Contents from This Website

1. You can browse and download contents from this website for non-commercial purposes provided that the copyright law and related statement by FINNCITI in the content of this website are complied. For commercial purposes (For example: copying, downloading, storing, or sending, converting, renting, presenting, disseminating, publicizing or any form of distributions of any content in this website through hardcopy or electronic-crawling system, or producing derivative product related to the content), a written permission from FINNCITI and indicating that the source and copyright are trademarked by FINNCITI when using the contents is necessary. Corresponding written application can be emailed to info@FINNCITI.com. For websites and print media which violate related laws and regulations, disrespect the statement made by this website and conduct unauthorized use of contents from this website without permission from this website without indicating the sources, this website reserves the right to take legal actions and to hold related party accountable.

2. Without clear written permission from FINNCITI, no one shall copy or make mirrors on non-affiliated server.

3. If you want to utilize contents provided by other organization, groups or commercial establishment contained in this website, please contact appropriate copyright holder directly. Any affair and legal responsibility related to this conduct are not related to this website.

4. Any person and organization that are permitted to reproduced and spread all the contents in any means have to abide to the following conditions:

(1) Extracts or Quotes shall reflect the actual meaning in the original document.

(2) The sources must be cited, namely the URL of this website: http://www.finnciti.com .

Notes on Linking

If you want to provide link to this website on other websites, please abide to the following regulations:

1. A formal agreement must be signed with FINNCITI to link to this website.

2. Unless having special agreement in the FINNCITI Agreement, link must be directed to URL "http://www.finnciti.com" but not any other pages of this website.

3. The appearance, position and other aspects of the link must not damage or blur the name and trademark of FINNCITI.

4. The appearance, position and other aspects of the link must not lead viewers to false impression.

5. When viewer activated the link, the content from this website must be presented in full screen but not in frame on the linked site.

6. FINNCITI can reclaim the right to link to this website at any time.

TWO: CONFIDENTIALITY INSTITUTION

FINNCITI protects your online privacy seriously. For us, protecting your personal privacy is very important. FINNCITI has made every effort to take your personal privacy protection problem into account when designing this website.

FINNCITI guarantees that:

1. FINNCITI will disclose your personal information within this website.

This website will not disclose personal information or personal contact methods of Client unless required by legal procedure. The purpose to register Client's personal information with the Company is to ensure that the Company can pay normally when Client obtained profits (bank information and information of heir); to communicate smoothly with the Company (Client's email); to verify Client's identity with the Company when necessary (Identity Card Number) and etc.

2. FINNCITI will not sell your registration information (name, phone numbers, addresses and other information), unless you authorize us to do so.

This Company will not sell or exchange your name, addresses, phone number, email address or any other registration information unless being first specially authorized by you. There are two exceptions under this regulation: FINNCITI will disclose your personal information under relevant law enforcement and this Company will share partial registration information with partner companies or subsidiaries (bounded by duty of confidentiality). FINNCITI uses safe techniques, applies privacy management tools and restricts employee's access to private information to protect your personal privacy. Only limited number of authorized staffs can access your personal information.

THREE: CLIENT REGISTRATION

1. FINNCITI adopts semi-open registration system. Any new account registration must be recommended by a registered account. The account that recommends new account registration will become the recommender of the new account. Only individuals who registered their accounts can become Clients of this Company and enjoy products and services from this Company.

2. A Client has to obtain all policies and information about the Company from the recommender. Having not understood the Company's system and regulation after registration shall not be used as an excuse to request for withdrawal or any compensation from FINNCITI. (Client can verify the information obtained with the company before registration Information that shall be understood includes but not limited to: user name and account number policy, three-level password policy, system maintenance fee policy, sToken account funds 30-day cancellation policy, bonus policy, level cap and weekly cap policy, various payment service policy of the Company and etc).

Remark: Simple explanations about partial system are conducted here: (Please obtain details from your recommender, this Company is not responsible to explain in details to non-clients of the company.)

Screen Name and Account Number System: Every account shall have corresponding account number (ID); different account number can use the same Screen Name. The accounts with the same screen name uses same personal information, heir information, bank information and password to log in to the same Virtual Office. Therefore, accounts with the same screen name have to be transferred to the same person at the same time during account transfer. Different accounts with different ID shall have corresponding different number of sTokens, different amount in the e-wallet. (This information can be checked by clicking different ID icons in the NODE function.)

Three-Level Password System: Each account has three levels of passwords for different functions.

System Maintenance Fee Policy: Each account has to guarantee to have enough money in their account by 1st of each month to pay for account maintenance fee. Maintenance free and payment time notification is available in the Summary function in the account summary. Accounts that do not prepare maintenance fee on time will be suspended temporarily. Accounts that do not prepare or reimburse maintenance fee for three months continuously will be suspended permanently.

sToken Account Funds 30-Day Cancellation Policy: The Company provides that funds in sToken Accounts must be used to buy sToken within 30 days, else, will be cancelled by the system. Client has no right to request the Company to reimburse for sTokens that was cancelled.

Various Payment Service and Procedure of the Company:

Password Inquiry: When the Client forgets the password and inquires to the Company, the Client have to email copy of identity card to the specialized business email address of this Company info@finnciti.com from the email address registered in the account. Inquiry fee is 5 USD which will be deducted by the Company from the account that inquires for the password.

Changing Bank Account: When a Client needs to change his or her bank account information, the Client has to email copy of identity card and new bank information to the specialized business email address of this Company info@finnciti.com from the email address registered in the Client's account. Changing fee is 5 USD which will be deducted by the Company from the account that inquires for the password.

Account Transfer: Both parties fill up forms designated by the Company. Transfer fee is 20 USD. The email shall be directed to the assigned email address info@finnciti.com

3. This Company is a network company registered in the British Virgins Islands. Client of any citizenship has to understand the relevant local laws and regulations in this country before registering an account in this Company. Client has to join this Company under the condition that the local law is obeyed. If Client does not obey to the local laws and regulations, the Client has to bear the consequences and this Company will not be responsible.

4. The Client shall possess corresponding capacity and responsibility. Parents or guardians shall represent users who are minors or mentally handicapped to complete the registration process and be responsible to the actions and incidents occurs within the minors' ID. The Company will not hold any responsibility for any minors or mentally handicapped persons who independently registered an account in this Company without consulting their parents or guardians. No one shall request this Company for compensation based on this reason.

5. The Client shall provide complete, detailed and true personal information (including personal identification information and other personal information); personal identification information includes legal names and identity card number. The Client shall constantly update other information besides personal identification information and bank information to fulfill the requirement that the information has to be truthful, accurate and complete.

6. The Client needs PIN Cord when registering an account with this Company whereby the Client has to be aware of the legality of the PIN Cord. If an illegal PIN Cord is bought and discovered by this Company, the account will be sealed by the Company. (Each PIN Cord has an owner. Only the owner of the PIN Cord or authorized person of such PIN Cord can sell the PIN Cord. Before buying a PIN Cord, you can inquire for the information of the owner from the seller and send the information to this Company for verification.)

7. The account will be permanent and cannot be cancelled after the Client successfully registered. The Client have to read all the necessary information before registering and shall not request to cancel the account or request for refund for PIN Cord based on any excuse.

FOUR: PASSWORD SECURITY

1. The Client is responsible to keep the account and password safe. The Client shall not transfer or loan out the account or password at will, shall not share the account with other person and shall not disclose password of his or her own account or information used for registration to anyone. The Client bear total responsibility for the safety of his or her account and password and also for the series of actions or activities occur after the combination of account user name and password being used to log into the system. (If the Client authorizes other person to administer the account, the Client will still need to be responsible for any actions within the account.)

2. The Client shall bear own responsibility if the account password was leaked out due to Client's own fault (For example: using passwords that are too simple, using someone Else's computer or allowing others to use the Client's computer) or virus infection on the Client's computer (including but not limited to Trojan, attacks from hackers or any other reasons).

3. If the Client discovered that the account or password was illegally used by other person or abnormal usage situation, please contact FINNCITI immediately and submit relevant proofs that the account belongs to the Client to request for the account to be suspended. The Client understands and agrees that FINNCITI will not be responsible for the compensation for losses incurred. Meanwhile, FINNCITI bears no obligation to disclose any data to the Client.

FIVE: SAFETY OF CONTACTS METHOD

1. Email Address: FINNCITI mainly contact with the Client through emails. The Client must ensure the security and usability of the email address registered in the account. The Client has to be responsible for any consequences caused by and documents sent from the email address registered in his or her account. (If the Client forgets his or her own registered email address and password or the email address expires for usage, any consequences caused must be assumed by the Client.)

2. Telephone: Due to the low security to contact through phone, phone contacts are only limited to certain common affair. The Company has the right to request the Client to contact through email with the Company when necessary.

3. Due to different mailbox settings, spamming rules by email providers (example: 126.com, mail.qq.com, etc), emails that were sent from FINNCITI may not reach to the Client Inbox efficiently. It is encouraged that the Client seek these providers advice in making sure that the mails sent from FINNCITI are white list. The Client understands and agrees that FINNCITI will not be responsible for the compensation for losses incurred due to the failures in receiving FINNCITI emails.

SIX: CUSTOMER'S BEHAVIOUR RESTRICTIONS

1. The Client shall ensure that he or she abide to the respective country's law and regulations in the process of using FINNCITI's account and service and shall not conduct any illegal activities using the account and services provided by FINNCITI.

2. The Client shall not conduct any "hack" to the FINNCITI's server, including but not limited to invading the server or trying to make the server overloaded; attack, crack, change and use other account's password; conduct attacks or invades in any form to the FINNCITI server using any techniques.

3. The Client shall not produce, disseminate or use any form of additional program, supporting program or third-party program to log in or receive services provided by FINNCITI; The Client shall not exploit any intellectual property of FINNCITI to create or provide identical or similar service, such as emulation server.

4. The Client shall not exploit possible technical flaws or bugs in the program to cheat or to gain profit.

5. FINNCITI prohibits users to exploit service provided by FINNCITI to conduct actions irrelevant to such service, including but not limited to jeopardizing reputation or privacy of others; using own, anonymous or impersonation name to disseminate information or texts which are defamatory, false, threatening, indecent, obscene, unlawful, offensive or infringing upon others' right; spreading pornographic or other expressions that violate the social morality; transmit or spread computer virus; engaging in unlawful transactions, putting up false or crime inducing information and others.

6. The Client shall cooperate with the management of FINNCITI in their work, respond to inquiry documents in time and clarify the facts. Else, FINNCITI has the right to terminate the service provided to the Client at any time. The Client shall not submit any request to FINNCITI for compensation or refund.

7. The Client shall bear the responsibility for the consequences caused by actions or activities (including but not limited to the process of user's self-execution or interactions with other Clients) in the process of receiving service provided by FINNCITI. FINNCITI bears no responsibility for user's action, activities or transaction in the process of using the service provided.

SEVEN: ASSUMPTION OF RISK AND RELEASE OF LIABILITY

1. The Client shall understand and agree that the service provided by FINNCITI may be fully or partially interrupted, temporarily unavailable, delayed due to malfunction or failure of the network hardware and software equipment owned by this Company, other partner companies or related telecommunication carriers, or due to manual operation negligence of partner or related telecommunication staffs; or suspension or termination of service or loss of user's file due to data falsification, forgery or altercation caused by intrusion of others into FINNCITI network. The Client shall not request any compensation from Karin network.

2. FINNCITI bear no responsibility to any damage compensation for any direct, indirect or derived damages or profit loss caused by the Client's use of the service or the unavailability of the service.

EIGHT: LINKS

All the links provided by FINNCITI in all web pages in the company website www.finnciti.com may link to other personal, company or organization website. Such sites are provided for the purpose to facilitate Client in searching or obtaining information on his or her own. FINNCITI does not guarantee the authenticity, integrity or reliability of the products, service or information provided by personal, company or organization website linked. No employment, appointment, proxy, partnership or any other similar relationship exist between FINNCITI and these personal, company or organization. (Unless this Company makes a statement that such company is partner of this Company.)

NINE: COMPENSATION

If Client violated terms of service or related law, causing FINNCITI or related business, employees, trustees, agents and/or other relevant implementation aid-party to suffer damages or expense (including but not limited to legal costs, legal fees, actual losses and other expenses incurred due to legal proceeding or administrative procedures), the Client shall bear the responsibility to indemnify the damages.

TEN: ADVERTISEMENT INFORMATION DISCLAIMER

FINNCITI may post commercial advertisement or promotional advertisement from other company on the related website position during the process of providing service. These contents belong to the advertiser or product and services providers whereby FINNCITI is just a medium to publish the contents. Services or products bought by the Client through FINNCITI website or other linked websites are transactions between only the Client and respective product and service provider hence are not related to FINNCITI.

ELEVEN: FORCE MAJEURE

Under any circumstances, FINNCITI will not be responsible for any delay or dysfunction caused by factors beyond reasonable control, including but not limited to unforeseen situations or reason beyond the control of FINNCITI, such as natural disaster, war, terrorism, riots, embargo, administrative or military authoritative acts, flood, fire, accidents, strike or shortage of transportation, fuel, labor, material or computer software and hardware.

TWELVE: GOVERNING LAW

1. Any invalidity of a partial or a full clause provided by these terms of service will not affect the validity of other clauses.

2. If any dispute or controversy occurs between the Client and FINNCITI, it must be first settled through friendly negotiations. If negotiation fails, the Client hereby completely agrees to refer the dispute or controversy to the jurisdiction of the British Virgin Islands District Court where FINNCITI is located.