(a)

any initial contribution made by the crowdfunding service provider into the contingency fund;

(b)

the type of fees that are collected for accruing the contingency fund;

(c)

the criteria the contingency fund management takes into account when deciding the type of fees to be levied;

(d)

the criteria the contingency fund management takes into account when deciding the amount of fees to be levied for each loan;

(e)

the decision-making process to determine the amount and nature of fees to be levied;

(f)

the investment strategy adopted by the contingency fund for investing the funds under management;

(g)

the legal ownership of the funds;

(h)

how the funds will be dissolved in the event of the maturity of the contingency fund;

(i)

how the funds are segregated from other assets owned by the crowdfunding service provider;

(j)

how the money paid into the contingency fund will be treated in the event of the insolvency of the contingency fund operator.