This Advisory is issued for the information and guidance of all members ("Members") of the Pointers Business Forum ("PBF" or the "Forum").

PBF has, of late, received communications reportedly concerning business and financial dealings between inter se Members, including but not limited to:

• (i) non-receipt of payment for goods or services rendered


• (ii) transactions subsequently disputed, repudiated, or canceled on various grounds


• (iii) loans or financial assistance extended by one Member to another that remain unrepaid in accordance with the agreed terms.

PBF has further received representations alleging that certain Members have repeatedly defaulted on payment or repayment obligations, raising concerns about habitual default on financial commitments, for the reasons best known to them.

For the avoidance of doubt, PBF does not adjudicate, certify, endorse, or otherwise assume responsibility for the private business or financial transactions entered into between Members.

PBF neither possesses the mandate nor holds any intention to determine the merits of, or otherwise arbitrate, individual commercial or financial disputes arising between Members.

Members are strongly advised to exercise the utmost caution and to undertake appropriate due diligence before entering into any business transaction, extending credit, supplying goods or services on credit, or advancing loans to any other Member. Membership of PBF shall not, under any circumstances, be construed or relied upon as a representation, warranty, or guarantee as to the creditworthiness, integrity, solvency, or financial conduct of any individual or entity holding such membership.

Members are advised to reduce every transaction to clear and unambiguous written documentation, including, without limitation, the scope of work or supply, pricing, payment terms, repayment schedules, timelines, and conditions governing cancellation or termination.

Members are further advised to adopt appropriate safeguards commensurate with the value and risk of the transaction, particularly where substantial sums are involved.

PBF shall bear no liability whatsoever for any loss, damage, dispute, default, or non-repayment arising out of or in connection with transactions between Members. Notwithstanding the foregoing, the Executive Committee of PBF reserves the sole right, at its sole and absolute discretion, to take such action as it deems appropriate — including suspension or removal of a Member from PBF's platforms — against any Member whose conduct, based on credible information & documentary evidences, available to PBF, is found to be repeatedly prejudicial to the interests and credibility of the Forum or its Members. PBF shall not be obliged to disclose the internal reasons or basis underlying any such action.

This Advisory is not intended to interfere with, adjudicate, or otherwise involve PBF in legitimate business disagreements or private financial matters between Members.

Its purpose is solely to safeguard the trust, credibility, and integrity of the business networking environment that PBF seeks to provide to its Members.

Without assuming any affirmative duty of monitoring or any civil liability for third-party acts, PBF reserves the absolute, unfettered right, at its sole discretion, to suspend, terminate, or revoke the membership and access rights of any individual or entity deemed to have engaged in conduct prejudicial to the reputation, stability, or operations of the Forum. The exercise or non-exercise of this administrative right shall not create any cause of action or liability against PBF.

By maintaining membership in PBF, each Member irrevocably indemnifies, undertakes, releases, acquits, holds harmless, and forever discharges the Forum Entities from any claims, demands, proceedings, damages, losses, costs (including legal fees), and liabilities of any nature whatsoever, whether known or unknown, arising from or related to any Private Transaction with another Member, in any manner whatsoever.

All Members are urged to exercise prudence, verify counterparties before transacting or extending credit, ensure proper documentation of all arrangements, and bear in mind at all times that membership of PBF, ipso facto, is not, and shall not be treated and deemed to be construed as a substitute for independent commercial and financial due diligence, in any manner whatsoever.

Pursuant to the governance and collective interests of the members of PBF concerned, this advisory notice is formally promulgated, and all stipulations, directives, and provisions set forth herein are legally binding and mandatory; accordingly, all members shall strictly adhere to and comply with the same in their entirety and in all respects, failing which, the Governing Body by majority reserves the right to take any action against the erring Members.