Risk Disclosure Statement

Risks associated with using electronic trading services

The customer confirms and agrees that this online trading service is exclusively for the customer's use.Customers should not use or knowingly allow anyone else to use this service for any illegal purposes or activities.At all times and under all circumstances,customers must carefully keep their login numbers and passwords confidential and not disclose them to any other person.The risk of unauthorized use or unauthorized use of login numbers and passwords shall be borne by the customer.

The customer acknowledges and agrees that due to unexpected network congestion and other reasons,the Internet or other electronic or telecommunications media are not reliable communication media,and such unreliability is beyond the control of the company.Our online service system may also experience delays or interruptions due to necessary system upgrades or changes,or other uncertain factors.Based on this unreliability,transactions conducted through the Internet or other electronic or telecommunications media may occur in the following circumstances:the transmission and reception of any or all securities trading instructions or other messages may fail or be delayed,and therefore the instructions may not be executed or be delayed,and/or the price on which the instructions are executed is different from the price at which you issued the instructions.

The customer confirms and agrees that the system carries related risks(including hardware and/or software failures),and any such system failures may result in the customer's securities trading instructions being unable to be executed according to instructions or being completely unable to be executed.

The customer confirms and agrees that there is a risk of interruption,distortion,omission,pause,interception,misunderstanding,or any communication error in the transmission of any or all securities trading instructions.

The customer confirms and agrees that under normal circumstances,any or all securities trading instructions issued cannot be cancelled.All instructions issued,whether by the customer or any other person claiming to be the customer,shall be irrevocable and binding on the customer once understood and executed in good faith by the company.Except for verifying the login number and password submitted,our company has no responsibility to verify the identity of any person providing such instructions or to verify the authenticity of such instructions.

The client confirms and agrees that the information and data about securities and securities markets provided through Internet services are obtained by the Company from any securities trading market and the third party service providers appointed by the Company from time to time.Due to market fluctuations,the data transmission process may be delayed and for other reasons,information and data may not be accurate,complete,real-time,and in the correct order.Therefore,the client confirms and agrees that any reliance on this information and data may lead to incorrect investment decisions and/or actions.Before relying on or using any information,the client should check them and independently determine their market price and quotation for buying and selling.

The Shanghai Stock Exchange strives to ensure the accuracy and reliability of the information provided,but cannot guarantee its absolute accuracy and reliability,and shall not be liable for any loss or damage caused by inaccurate or omitted information

The Stock Exchange of Hong Kong Limited,its holding company and/or any subsidiary of such holding company shall make every effort to ensure the accuracy and reliability of the information provided,but cannot guarantee its absolute accuracy and reliability,and shall not be liable for any loss or damage caused by inaccurate or omitted information

General investment risk

Before making an investment decision,investors should carefully consider whether the investment product/service is suitable for their financial situation,investment objectives and experience,risk tolerance,and other relevant circumstances.They should also be aware of the relevant risks involved in the investment product/service(refer to the applicable offering documents for details).

The risk of securities trading

Securities prices can sometimes fluctuate greatly.Securities prices can rise or fall,and even become worthless.Buying and selling securities may not necessarily result in profits,but rather may lead to losses.

The risk of buying and selling shares on the ChiNext board

ChiNext stocks involve high investment risks.Especially,these companies can be listed on the ChiNext board without the need for a track record of profitability or predicting future profits.ChiNext stocks may be highly volatile and have low liquidity.

You should only make investment decisions after careful and thorough consideration.The higher risk nature and other characteristics of the ChiNext market mean that it is more suitable for professional and other investors who are familiar with investment skills.

At present,information about GEM shares can only be found on the Internet website operated by the Stock Exchange of Hong Kong Limited.Companies listed on the Growth Enterprise Market generally do not need to publish paid announcements in newspapers designated by the Gazette.

If you have any doubts about the content of this risk disclosure statement or the nature of the ChiNext market and the risks involved in buying and selling shares on the ChiNext,you should seek independent professional advice.

The risk of receiving or holding customer assets outside of Hong Kong

The client assets collected or held by our company outside of Hong Kong are regulated by applicable laws and regulations in relevant overseas jurisdictions.These laws and regulations may differ from the Securities and Futures Ordinance(Chapter 571)and the rules formulated under it.Therefore,customer assets may not enjoy the same protection as those received or held in Hong Kong.

The risk of providing an authorization letter to re pledge your securities collateral,etc

Providing authorization letters to licensees or registrants,allowing them to use your securities or securities collateral in accordance with a certain securities lending agreement,re pledge your securities collateral to obtain financial accommodation,or store your securities collateral as collateral to fulfill and repay their settlement obligations and debts,carries certain risks.If your securities or securities collateral are collected or held by a licensed or registered person in Hong Kong,the above arrangement is only valid if you have given written consent to it.In addition,unless you are a professional investor,your authorization letter must specify a validity period,which cannot exceed 12 months.If you are a professional investor,the relevant restrictions do not apply.In addition,if your licensee or registrant sends you a notice at least 14 days before the expiration of the relevant authorization that the authorization will be considered renewed,and you do not object to renewing the authorization in this way before the expiration of the relevant authorization,your authorization will be considered renewed without your written consent.There is currently no legal requirement for you to sign these authorization letters.However,the licensee or registrant may require an authorization letter in order to,for example,provide you with margin loans or be authorized to lend your securities or securities collateral to third parties or deposit them as collateral with third parties.The licensee or registrant should explain to you the purpose for which the authorization letter will be used.

Risk of margin trading

The risk of loss in obtaining financing for transactions through the storage of collateral may be significant.The losses you may suffer may exceed the cash and any other assets you hold as collateral with our company.Market conditions may prevent the execution of standby trading instructions,such as"stop loss"or"limit price"instructions.You may be required to deposit additional margin or pay interest in a short period of time.If you fail to pay the required margin amount or interest within the specified time,your collateral may be sold without your consent.You should closely monitor your account status.In the event of market fluctuations,our company may not be able to contact you or provide sufficient time for you to deposit money,and your position may be forcibly closed.In addition,you will be responsible for any shortfall amount and interest payable in your account as a result of this.Therefore,you should carefully consider whether this financing arrangement is suitable for you based on your own financial situation and investment goals.

Conduct transactions in other jurisdictions

Trading in markets of other jurisdictions(including markets formally linked to the local market)may involve additional risks.According to the regulations of these markets,the level of protection enjoyed by investors may vary or even decrease.Before conducting a transaction,you should first investigate all the rules related to the transaction you will be conducting.The regulatory agency in your own location will not be able to compel the regulatory agency or market in the jurisdiction where the exchange you have executed is located to enforce relevant rules.In view of this,before conducting a transaction,you should first inquire with the relevant business about the remedies and details available in your own jurisdiction and other jurisdictions.

Currency risk

The profits or losses incurred from buying and selling contracts denominated in foreign currency(regardless of whether the transaction is conducted in your own jurisdiction or elsewhere)will be affected by exchange rate fluctuations when converting the unit currency of the contract into another currency.

The risk of buying and selling bull/bear contracts

Mandatory withdrawal risk:When buying and selling bull/bear contracts,you should pay attention to the feature that the contracts can be"cancelled"or forcibly withdrawn on the same day.If the relevant asset value of the CBBC is equal to the mandatory buyback price/level stated in the listing documents,the CBBC will cease trading.At that time,you can only retrieve the residual value calculated by the product issuer based on the listing documents for the discontinued bull/bear contracts(note:residual value can be zero).

Financing cost:The issuance price of the bull/bear contract already includes financing costs.The financing cost will gradually decrease as the bull/bear contract approaches its maturity date.The longer the term of bull/bear contracts,the higher the total financing cost.If a bull/bear contract is withdrawn one day,you will lose the financing cost of the entire validity period of the contract.The calculation program for financing costs is included in the listing documents of the CBBC.

The risk of buying and selling futures and options

Trading risk:The risk of loss in buying and selling futures contracts or options can be extremely high.In some cases,the losses you may suffer may exceed the initial deposit amount.Even if you set backup instructions such as"stop loss"or"limit price",it may not necessarily avoid losses.Market conditions may make it impossible to execute such instructions.You may be required to deposit additional margin in a short period of time.If the required information is not provided within the specified time,your open contracts may be closed.However,you are still responsible for any shortfall in the account as a result.Therefore,before buying or selling,you should study and understand futures contracts and options,and carefully consider whether this type of trading is suitable for you based on your investment experience,financial situation,and investment goals.If you buy or sell options,you should be familiar with the procedures for exercising and expiring options,as well as your rights and responsibilities when exercising and expiring options.

Leverage effect:The risk of trading futures contracts is very high.Due to the relatively low amount of opening margin in futures contracts compared to their own value,they can play a"leverage"role in trading.Minor market fluctuations can also have a significant impact on the funds you invest or will need to invest.So,to Your Excellency,this leverage effect can be said to have both advantages and disadvantages.Therefore,you may lose all the opening margin and the additional amount deposited into the relevant firm to maintain your position.If the market conditions are unfavorable and your position or margin level increases,you will be subject to additional margin requirements and must deposit extra funds in a short period of time to maintain your position.If you fail to pay the additional funds within the specified time,you may be forced to close the position at a loss,and all resulting shortfall amounts will be borne by you.

Reduce risk trading instructions or investment strategies:Even if you adopt certain trading instructions aimed at pre-set loss limits(such as"stop loss"or"limit price"instructions),they may not be effective because market conditions can make these trading instructions impossible to execute.As for the strategy of using different position combinations,such as"cross period"and"saddle style"combinations,the risk undertaken may also be as high as holding the most basic"long"or"short"positions.

Different levels of risk:The risk of option trading is very high.Whether you are buying or selling options,you should first understand the type of option you intend to buy or sell(i.e."put"or"call"options)and the related risks.You should include the option premium and all transaction costs,and then calculate how much the option value must increase to make a profit.You can choose to offset or exercise the option or allow the option to expire when you purchase it.If the option holder chooses to exercise the option,they must carry out cash settlement or purchase or deliver the relevant assets.If the purchased option is a futures product,the holder will receive a futures position with related margin obligations.If the purchased option has no value at expiration,you will lose all investment amount,including all option premiums and transaction costs.If you intend to purchase,you should be aware that your chances of profiting from such options are extremely slim.Selling(i.e."put"or"sell")options generally carries much higher risks than buying options.Although the seller can receive a fixed amount of option premium,they may also suffer losses much higher than the option premium.If the market conditions reverse,option sellers will need to invest additional margin to replenish their positions.In addition,the option seller also needs to bear the risk that the buyer may exercise the option.The option seller has the responsibility to settle or purchase or deliver the relevant assets in cash when the option buyer exercises the option.If the option of the futures product is sold,the option seller will receive the futures position and the accompanying margin responsibility.If the option seller holds a corresponding amount of related assets or futures or other options for"hedging",the risk they bear may be reduced.If there is no"covering"arrangement for the options,the risk of loss can be infinite.Some exchanges in certain countries allow option buyers to delay payment of the option premium,so that the buyer's responsibility for paying margin fees does not exceed the option premium.Nevertheless,you will ultimately have to bear the loss of option premium and transaction costs.When the option is exercised or expires,you are required to pay the outstanding option premium at that time.

Terms and conditions of the contract:You should inquire with the trading firm about the terms and conditions of the futures contract or option being traded,as well as any related responsibilities(such as under what circumstances you may be responsible for delivering the relevant assets of the futures contract,or for options,the expiration date and time limit for exercising the option).Exchanges or settlement companies may modify the details of unexercised contracts(including option exercise prices)in certain circumstances to reflect changes in the underlying assets of the contract.

Suspending or restricting trading and price relationships:Market conditions(such as insufficient market liquidity)and/or the implementation of certain market rules(such as suspending trading of any contract or contract month due to price restrictions or"suspension"measures)can increase the risk of losses,as you will find it difficult or impossible to execute trades or close/offset positions at that time.If you encounter this situation after selling the option and have to bear the risk of loss,it may increase.

In addition,normal price relationships between related assets and futures,as well as between related assets and options,may not exist.For example,the futures contracts involved in futures options are subject to price restrictions,but the options themselves are not subject to them.The lack of relevant asset reference prices can make it difficult for investors to determine what constitutes a'fair price'.

Deposit of cash and property:If you deposit funds or other property for transactions conducted locally or overseas,you should be aware of the protections that such funds or property will receive,especially in the event of bankruptcy or insolvency of the relevant business.As for how much money or property can be recovered,it may be subject to specific legal provisions or local rules.In some jurisdictions,if the amount or property recovered is insufficient,it may be determined that the property belonging to you will be distributed proportionally in cash.

Trading in other jurisdictions:Trading in markets of other jurisdictions(including markets formally linked to the local market)may involve additional risks.According to the regulations of these markets,the level of protection enjoyed by investors may vary or even decrease.Before conducting a transaction,you should first investigate all the rules related to the transaction you will be conducting.The regulatory agency in your own location will not be able to compel the regulatory agency or market in the jurisdiction where the exchange you have executed is located to enforce relevant rules.In view of this,before conducting a transaction,you should first inquire with the relevant business about the remedies and details available in your own jurisdiction and other jurisdictions.

Off exchange trading:In certain jurisdictions and only under specific circumstances,relevant businesses are allowed to engage in off exchange trading.The business name that conducts transactions for you may be the counterparty of the transactions you make.In this situation,it may be difficult or impossible to liquidate existing positions,evaluate their value,determine fair prices,or assess risks.Therefore,these transactions may involve greater risks.In addition,the regulation of over-the-counter trading may be relatively loose and subject to different regulatory systems;Therefore,before conducting such transactions,you should first understand the applicable rules and related risks.

Risks of Exchange Traded Funds

Market risk:Exchange traded funds mainly track the performance of certain indices,industries/sectors,or asset groups(such as stocks,bonds,or commodities).Exchange traded fund managers can use different strategies to achieve their goals,but usually cannot explore defensive strategies at their discretion during a market downturn.You must be prepared to suffer losses due to fluctuations in related indices/assets.

Tracking error:This refers to the disconnect between the performance of exchange traded funds and the performance of related indices/assets,which can be caused by factors such as trading fees and other expenses of exchange traded funds,changes in the combination of related indices/assets,and replication strategies of exchange traded fund managers.(Common replication strategies include complete replication/selecting representative samples,and comprehensive replication.)

Trading at a discount or premium:The price of exchange traded funds may be higher or lower than their net asset value,mainly due to supply and demand factors,especially during periods of significant market volatility and uncertainty.Exchange traded funds that specialize in tracking markets/industries with restrictions on direct investment may also have this situation.

Foreign exchange risk:If the assets related to the structured products you are buying and selling are not denominated in Hong Kong dollars,you will still face foreign exchange risk.Fluctuations in currency exchange rates can have a negative impact on the value of related assets,which in turn affects the prices of structured products.

Liquidity risk:Securities market makers are exchange participants responsible for providing liquidity and facilitating the buying and selling of exchange traded funds.Although exchange traded funds often have one or more securities market makers,if a securities market maker fails or ceases to perform their duties,you may not be able to trade.

The risk of buying and selling derivative warrants

Time lapse risk:If all other circumstances remain the same,the closer the derivative warrant is to its expiration date,the lower its value will be,and therefore it cannot be considered a long-term investment.

Volatility risk:The price of derivative warrants can rise or fall with the extended volatility of the underlying asset price,so you need to pay attention to the volatility of the underlying asset.

The general major risks associated with trading derivative products on exchanges(including but not limited to the following)

Issuer default risk

If the issuer of exchange traded derivative products goes bankrupt and fails to fulfill its responsibilities for the issued products,investors are only considered unsecured creditors and have no priority claim against any assets of the issuer.Therefore,investors should pay special attention to the financial and credit capabilities of issuers of exchange traded derivative products.Due to the fact that exchange traded derivative products do not have asset guarantees,if the issuer goes bankrupt,investors may lose all of their investments.

Leverage risk

Exchange traded derivative products such as derivative warrants and bull/bear contracts are leveraged products,and their value can quickly change based on their leverage ratio relative to the underlying assets.Investors should be aware that the value of exchange traded derivative products can drop to zero,causing the loss of their initial investment funds.

Validity period

Most exchange traded derivative products have an expiration date,after which the product will become worthless.Investors should pay attention to the expiration date of the product to ensure that the remaining validity period of the selected product matches their trading strategy.

Abnormal price fluctuations

The price of derivative products traded on exchanges may differ from their theoretical price due to external factors such as market supply and demand,therefore,the actual transaction price can be higher or lower than their theoretical price.

The risk of RMB denominated securities

The Chinese yuan cannot be freely exchanged.The conversion between RMB and foreign currencies(including Hong Kong dollars)is subject to regulatory restrictions in China and will affect the liquidity of RMB denominated securities.RMB denominated securities may not have regular trading or an active market.Therefore,you may not be able to sell in a timely manner or significantly discount the value of your product for sale.If the Chinese yuan depreciates,investments denominated in Hong Kong dollars will also decrease.

Risk of Rights and Interests

If investors want to exercise and buy/sell rights and interests,they should pay attention to the relevant deadlines and other schedules.Unexercised rights and interests will have no value at maturity.But if the investor decides not to exercise the rights of the rights issue,no action is required unless the investor intends to transfer this right in the market.If you want to resell the rights and interests,you should pay attention to the designated buying and selling period during the subscription period,after which the rights and interests will become worthless.If investors decide to give up their rights to issue shares,their shareholding ratio will be diluted due to the company's issuance of new shares.

The risk of investing in US exchange traded securities or US derivatives

Before investing in any securities or securities related instruments regulated by US law,you should first understand the US regulations applicable to such transactions.US law typically applies to transactions in the US market,regardless of whether the laws of the client's country also apply simultaneously.There are numerous(but not all)stocks,bonds,and options listed and traded on the US Stock Exchange.Nasdaq used to be an over-the-counter trading market between traders and has now become a US exchange.For stocks,bonds,and options listed on exchanges,each exchange will issue regulations that supplement the regulations of the US Securities and Exchange Commission to protect individuals and institutions trading securities on that exchange.

Traders can continue to use exchange listed or non exchange listed tools for over-the-counter trading.Securities that are not listed on the exchange can be traded through pink price lists between over-the-counter electronic trading boards or traders with quotes from proxy(non real)traders.These trading facilities are located outside of NASDAQ.

Securities options are subject to the regulations of the US Securities and Exchange Commission and the stock exchange on which the option is listed.Futures contracts or options on commodities such as wheat or gold are subject to the regulations of the US Commodity Futures Trading Commission.Commercial options,such as real estate options,are not subject to the rules of the U.S.Securities and Exchange Commission or the U.S.Commodity Futures Trading Commission.

Regardless of whether you intend to invest in securities listed on US exchanges,over-the-counter securities,or derivatives(options or futures),clients should be aware of the relevant regulations governing the market in which they intend to trade.Investing in derivative instruments that do not require listing on an exchange tends to increase risk,and the nature of the derivative instrument market tends to further increase risk.

Market makers on the over-the-counter electronic trading board are not allowed to use electronic media to communicate with other traders in order to execute trades.They must communicate with the market manually,using standard telephone lines to communicate with other traders to execute trades,which may cause delays in communication with the market.If the trading volume increases at the same time,it may cause the volatility of securities prices on the over-the-counter electronic trading board to widen and delay the execution time.Customers should exercise extra caution when placing orders in the market and fully understand the risks associated with trading on foreign electronic trading boards.

Market data such as quotes,trading volumes,and market size may or may not be as up-to-date as expected by NASDAQ or listed securities.

Due to the possibility of fewer market makers participating in the over-the-counter securities market,the liquidity of this security may be significantly lower than that of securities listed on the market.Therefore,your instructions may only be partially executed,or even not executed at all.In addition,the price received during market downturns may differ significantly from the quoted price when entering buy and sell orders.When the trading of a certain security's shares decreases,it can lead to an increase in the difference between the selling/buying prices and cause price fluctuations.In some cases,it may not be possible to close out over-the-counter securities within a reasonable time.

The issuer of over-the-counter securities is not responsible for providing information to investors,maintaining registration with the Securities and Exchange Commission,or providing regular reports to investors.

Default risk and counterparty risk

All products carry the risk of default and/or counterparty risk.The risk of default refers to the issuer's failure to pay according to the agreement.In the event of an economic downturn,issuers may not be able to successfully borrow money to continue operating or repay old debts.Credit rating is the most commonly used tool for assessing the default risk of structured products.Credit rating represents the opinion of credit rating agencies within a certain period of time,and credit ratings are often adjusted in response to changes in the issuer's financial or market conditions.

Counterparty risk refers to the inability of the counterparty to fulfill its financial contractual obligations.Although credit ratings have a certain degree of reliability,investors should not only refer to the issuer's credit rating,but also carefully pay attention to whether the product structure itself involves derivative instruments to avoid losses.

Important documents and special risks related to trading through the Shanghai Hong Kong Stock Connect

The following are some risks and other important details of trading on the Shanghai Stock Exchange through the Shanghai Hong Kong Stock Connect through Fuchang Financial Group Holdings(the"Company").Due to the risks involved,you should only engage in relevant transactions after fully understanding the nature of the Shanghai Hong Kong Stock Connect and the risks you will bear.You should carefully consider(and consult your advisor if necessary)whether such transactions are suitable for you based on your experience,purpose,financial resources,and other factors.

You must comply with the relevant laws and regulations of mainland China and Hong Kong,as well as all relevant exchange regulations.Before making trading instructions,you must accept and agree to the risks related to the Shanghai Hong Kong Stock Connect,including but not limited to being responsible for the listing regulations of the Shanghai Stock Exchange,the regulations of the Shanghai Stock Exchange,and other relevant laws and regulations.

Same day trading is not allowed

The Shanghai Hong Kong Stock Connect does not allow same day trading.Stocks purchased on trading day(T day)can only be sold on or after T+1 day.

Off exchange trading is not allowed

All transactions must be conducted on the Shanghai Stock Exchange.Off exchange trading and manual trading will not be allowed.

Hold sufficient stocks in the company's central clearing system before the market opens

If you want to sell stocks on a trading day,you must transfer the stocks to the corresponding central settlement system account of the company before the market opens on the same trading day.

Stock and payment settlement arrangement

The trading and stock settlement of the Shanghai Stock Exchange will take place on T day,while funds(including trading amounts and related fees and taxes)will be settled on T+1 day.You should ensure that there is sufficient Chinese yuan in your household registration for settlement purposes.

The company has the right to cancel your placement order in case of emergencies

The company will have the right to cancel your buying and selling orders without prior notice in case of unexpected circumstances(such as Typhoon Signal No.8).

Daily credit limit

Securities purchased through the Shanghai Hong Kong Stock Connect on the Shanghai Stock Exchange will be subject to daily limit restrictions.So the purchase order cannot be guaranteed to be executed through the Shanghai Hong Kong Stock Connect.

Differences in Trading Days and Trading Hours

The trading days of the Shanghai Hong Kong Stock Connect require both Hong Kong and Shanghai to open their markets for trading,and banking services must be available in both places on the corresponding settlement days.The trading of A-shares will follow the trading hours of the Shanghai Stock Exchange.

Restrictions on Foreign Shareholding Proportion

The laws in mainland China restrict foreign investors from holding shares in a single domestic listed company.The company has the right to forcibly sell investors'stocks upon receiving a compulsory sale instruction from the Hong Kong Stock Exchange.Therefore,you should ensure that they fully understand the regulations in mainland China regarding restrictions on holding shares and disclosure obligations,and respect such regulations.

Short term Trading Profit Regulations

Not protected by the Investor Compensation Fund

Investors should be aware that trading on the Shanghai Stock Exchange will not be protected by the Hong Kong Investor Compensation Fund.And as Hong Kong investors do not trade through mainland Chinese brokers,they will not be protected by the China Securities Investor Protection Fund in mainland China.

warning

The Shanghai Stock Exchange may require the Hong Kong Stock Exchange to instruct companies to issue warning notices(verbal or written)to customers and not provide Shanghai Stock Exchange trading services to certain customers.

responsibility

The Hong Kong Stock Exchange,its parent company and its subsidiaries,the Shanghai Stock Exchange,its subsidiaries,and their directors,employees,and agents shall not be liable for any direct or indirect losses incurred by the company,its clients,or any third party in connection with the Shanghai Stock Exchange or the Shanghai Hong Kong Stock Connect.

Notes on Global Stock Trading

Some overseas stock exchanges operate as market makers and may only confirm trading results after the opening of the next trading day.

US persons may not buy or sell US stocks;Canadian residents are also not allowed to buy or sell Canadian stocks.

Market misconduct such as market manipulation and false trading are illegal crimes,so caution should be exercised when entering buy and sell orders.If a wrong transaction is found,the company should be notified as soon as possible.

The information contained in this article has been collected by Prudential International Securities Holdings Limited from sources believed to be accurate,but we are not responsible for any losses resulting from reliance on or reference to the relevant content.

This statement does not disclose all risks.Customers are advised to carefully review the applicable offering documents and understand the risks involved in the investment,raise questions,and seek independent professional opinions.