Investment Risk Disclaimer

IMPORTANT NOTICE: Please read this disclaimer carefully before making any investment decisions.

General Investment Risks

Investing capital involves substantial risk and is not suitable for all investors. The value of investments can go down as well as up, and you may lose some or all of your original investment. Past performance is not indicative of future results, and no guarantee can be made that profits will be achieved or losses avoided.

Key Risk Factors

Market Risk: Investment values fluctuate due to market conditions, economic factors, political events, and investor sentiment. Market volatility can result in significant losses.

Liquidity Risk: Some investments may be difficult to sell quickly or at fair market value, potentially limiting your ability to access your capital when needed.

Credit Risk: There is a risk that issuers of securities or counterparties may default on their obligations, resulting in partial or total loss of investment.

Currency Risk: Investments denominated in foreign currencies are subject to exchange rate fluctuations that may negatively impact returns.

Inflation Risk: The purchasing power of investment returns may be eroded by inflation over time.

Interest Rate Risk: Changes in interest rates can significantly affect the value of fixed-income securities and other interest-sensitive investments.

Important Considerations

• No Guaranteed Returns: No investment strategy or product can guarantee profits or protect against losses.

• Professional Advice: You should consider seeking independent financial advice tailored to your specific circumstances, risk tolerance, and investment objectives before making investment decisions.

• Diversification: While diversification may help reduce risk, it does not eliminate the possibility of loss.

• Investment Horizon: Consider your investment timeline and liquidity needs before committing capital.

• Risk Tolerance: Only invest amounts you can afford to lose and ensure investments align with your risk profile.

Regulatory Information

This disclaimer does not constitute investment advice, and Koodos Group is not acting as your investment advisor. All investment decisions remain your sole responsibility. Please ensure you understand the terms and conditions of any investment product before proceeding.

By proceeding with any investment, you acknowledge that you have read, understood, and accepted these risks.

This disclaimer is for informational purposes only and does not constitute legal or financial advice. Please consult with qualified professionals regarding your specific situation.

Last Updated: 29/07/25