Opportunity & Risk Disclosure

1. Purpose of This Disclosure

MONNETY provides access to structured opportunities arising from real-world commercial and operational transactions.

This Disclosure explains important characteristics and risks that users should consider before acquiring M-Units associated with an Opportunity Contract.

Each opportunity is different and must be evaluated according to its own documentation, conditions, duration and settlement mechanism.

2. Real Operation First

MONNETY follows the principle:

OPERATION → STRUCTURE → OPPORTUNITY → PARTICIPATION → SETTLEMENT

An opportunity is created based on an underlying commercial or operational transaction.

Depending on the sector, an underlying operation may involve commodities, mining, refining, logistics, real estate, construction, agriculture, international trade, energy or other documented commercial activities.

The existence of an Opportunity Contract does not mean that the underlying operation is free from commercial, operational, regulatory or other risks.

3. Opportunity Contracts

Each opportunity presented through MONNETY is described through an individual Opportunity Contract.

Depending on the opportunity, the contract may specify:

• Contract ID;
• Available M-Units;
• M-Unit Value;
• Minimum Participation;
• Maturity;
• Estimated Return, where applicable;
• Estimated Maturity Value;
• Settlement conditions;
• Operational conditions;
• Other relevant information.

Users should review the applicable Opportunity Contract before acquiring M-Units.

4. M-Units

M-Units represent the participation units associated with a specific Opportunity Contract.

A Participant may acquire:

• Whole M-Units; or
• Permitted fractions of an M-Unit.

The amount acquired determines the Participant's recorded participation in the respective opportunity according to the applicable Opportunity Contract.

M-Units associated with one opportunity do not automatically represent participation in any other MONNETY opportunity.

5. Estimated Returns

Where an Opportunity Contract displays an estimated return, that amount is an estimate based on the economic assumptions and conditions applicable to that specific opportunity.

The actual settlement may depend on the completion of the underlying operation, contractual performance, operational conditions, market conditions, costs, delays, counterparties and other factors.

6. Operational Risk

Underlying commercial operations may involve risks including:

• Delays;
• Operational disruptions;
• Supply problems;
• Transportation issues;
• Counterparty failure;
• Contractual disputes;
• Market changes;
• Regulatory changes;
• Currency fluctuations;
• Force majeure events;
• Unexpected operational costs.

The specific risks applicable to an opportunity may vary.

7. Counterparty Risk

An opportunity may depend on one or more commercial counterparties, suppliers, buyers, operators, service providers, financial institutions or other parties.

The failure or delay of a relevant counterparty may affect the execution or settlement of an opportunity.

8. Regulatory and Legal Risk

International commercial operations may be subject to different laws, regulations, licenses, customs requirements, sanctions regimes, tax rules and other governmental requirements.

Regulatory conditions may change during the life of an opportunity.

MONNETY does not represent that every opportunity will be unaffected by future regulatory developments.

9. Liquidity and Early Withdrawal

Unless expressly provided in the applicable Opportunity Contract, participation remains associated with the opportunity until its stated maturity or settlement.

Early withdrawal may not be available.

Participants should therefore consider the applicable maturity period before acquiring M-Units.

10. Settlement

Each Opportunity Contract establishes its own settlement conditions.

Settlement depends on the successful completion or applicable resolution of the underlying operation and the conditions established for that opportunity.

MONNETY does not guarantee that every underlying commercial operation will be completed according to its original expectations.

11. Conditions and Estimated Returns

The amount payable to the Participant at maturity will be determined in accordance with the applicable Opportunity Contract and the participation acquired by the Participant.

Where an Opportunity Contract presents an estimated return or estimated maturity value, such figures are based on the commercial, operational and other assumptions applicable to the respective opportunity at the time it is structured.

The estimated return may vary where circumstances affecting the underlying operation, applicable costs, settlement conditions, regulatory requirements, taxes or other relevant factors change during the life of the opportunity.

Accordingly, the estimated return and estimated maturity value should be understood as estimated figures and not as fixed or guaranteed economic results, unless expressly stated otherwise in the applicable Opportunity Contract.

Any amount due to the Participant at maturity will be processed in accordance with the settlement conditions established in the applicable Opportunity Contract.

12. Independent Decision

Each Participant is responsible for reviewing the information available for an opportunity and determining whether participation is appropriate for their own circumstances.

Participants should obtain independent professional, financial, tax or legal advice where appropriate.

13. Underlying Documentation

MONNETY seeks to maintain documentary support for each opportunity.

Depending on the opportunity, documentation may include:

• Commercial agreements;
• Supply agreements;
• Purchase agreements;
• Offtake agreements;
• Mandates;
• Letters of authorization;
• Logistics documentation;
• Invoices;
• Counterparty information;
• Other relevant commercial records.

Certain documents may contain confidential commercial information and therefore may not be publicly disclosed in their entirety.

Appropriate supporting information may be made available when required for verification, compliance or due diligence purposes.

14. Final Notice

By accessing an Opportunity Contract and acquiring M-Units, the Participant acknowledges that commercial and operational opportunities involve uncertainty and that estimated economic outcomes are not guaranteed.