Terms of Engagement

These Terms of Engagement (the "Terms") govern the relationship between Oak Point Trust (the "Trust") and each Client, Settlor, Beneficiary, and associated party engaging the Trust's services. By engaging the Trust or accessing its services, you agree to be bound by these Terms in their entirety.

1. Definitions and Interpretation

1.1 In these Terms, unless the context otherwise requires:

• "Trust" means Oak Point Trust, an international trust structure established under the laws of a recognised offshore financial centre.
• "Services" means trust administration, fiduciary services, asset protection structuring, wealth management, and all related support.
• "Trust Deed" means the principal trust instrument governing the Trust.

1.2 Headings are for convenience only and do not affect interpretation.

2. Scope of Services

2.1 The Trust shall provide Services strictly in accordance with the Trust Deed, these Terms, and applicable law.

2.2 No advice is given on tax, legal, or investment matters. The Client must obtain independent professional advice in their own jurisdiction.

3. Client Representations and Warranties

The Client represents and warrants on a continuing basis that:

• All information supplied to the Trust is accurate, complete, and not misleading
• No assets introduced to the Trust are derived from illegal activities
• The Client is not subject to any sanctions or is a Politically Exposed Person (PEP) unless fully disclosed and accepted in writing
• The Client will comply with all tax reporting obligations (including CRS and FATCA)
• The Client shall indemnify the Trust against any loss, cost, or liability arising from any breach of the above

4. Fees and Payment

4.1 The Client shall pay all fees, disbursements, and expenses in accordance with the Fee Schedule as amended from time to time.

4.2 Fees are non-refundable.

4.3 Interest shall accrue on late payments at the rate of 1.5% per month.

5. Limitation of Liability

5.1 To the maximum extent permitted by law, the Trust's total aggregate liability shall not exceed the total fees paid by the Client in the twelve (12) months preceding the claim.

5.2 The Trust shall not be liable for any indirect, consequential, or punitive losses.

6. Termination

6.1 The Trust may terminate the engagement immediately if the Client breaches any provision, fails to provide satisfactory due diligence, or if continued engagement would expose the Trust to material risk.

6.2 Upon termination the Client remains liable for all outstanding fees and indemnities.

7. Governing Law and Jurisdiction

7.1 These Terms and all matters relating to the Trust shall be governed exclusively by the laws of the jurisdiction in which the Trust is established.

7.2 The Client irrevocably submits to the exclusive jurisdiction of the courts of that jurisdiction and waives any objection on the grounds of forum non conveniens.

8. Anti-Money Laundering, Compliance & Sanctions

The Trust maintains full compliance with all applicable AML, CTF, CRS, FATCA, and sanctions requirements. The Client agrees to provide all requested information immediately upon demand. Failure to comply may result in suspension or termination of the relationship and mandatory reporting to authorities.

9. Confidentiality & Data Protection

The Trust will maintain confidentiality in accordance with its governing law and its Privacy & Confidentiality Policy, but may disclose information where required by law, regulation, or court order. The full terms governing data protection are set out in the Privacy & Confidentiality Policy, which forms an integral part of these Terms.

10. Miscellaneous

10.1 These Terms may be amended by the Trust at any time. Continued engagement constitutes acceptance of any amendments.

10.2 If any provision is held to be invalid, the remainder shall continue in full force.

10.3 No waiver of any breach shall constitute a waiver of any subsequent breach.

Acceptance