Risk, Regulatory and Eligibility Notice

1. Purpose and status of this notice

This notice explains the limits of the information published by A1A Limited and summarises principal risks and eligibility boundaries relevant to its current private-credit strategy. It is general information only and does not replace the official documents of any investment vehicle.

2. No offer, solicitation or recommendation

Nothing on an A1A website, landing page, social-media page, article, email or preliminary discussion constitutes an offer, invitation or solicitation to subscribe for or acquire an investment; a recommendation; investment, legal or tax advice; a guarantee of access; or a subscription facility.

No investment can be made through the public website. An investment opportunity may be considered only through the applicable approved documentation and formal process made available by the appointed regulated manager to persons it determines are eligible.

3. Intended audience and eligibility

Information about the current strategy is intended only for professional investors, well-informed investors and appropriate professional intermediaries, as those concepts apply under the relevant law and official investment-vehicle documents. It is not directed to retail investors or to persons in jurisdictions where the communication or potential participation would be unlawful.

Any status selected on an A1A enquiry form is preliminary self-description used to route a conversation. A1A does not confirm legal investor classification or eligibility. The appointed regulated manager independently determines whether a person satisfies the applicable category, jurisdictional, suitability, KYC/AML and other acceptance requirements.

4. A1A's role and the regulated structure

A1A Limited owns and operates the A1A Global Partners platform and is the strategy architect. It develops the commercial strategy, risk architecture and operating model, leads the investor relationship and provides the investor-facing interface and A1A strategy and portfolio reporting. The current strategy is implemented through a separate regulated investment vehicle with independent regulated management, administration, depositary and external-audit functions.

Official vehicle information, including NAV and other formal fund data, is supplied through the appointed regulated and administrative functions and may be incorporated into A1A's investor-facing reports. A1A reporting does not replace those official records or notices. A1A is not the alternative investment fund manager, fund administrator, depositary or external auditor. A1A does not accept subscription funds through its website and does not perform formal investor classification, KYC/AML, investor due diligence, onboarding or acceptance. Those responsibilities sit with the appointed regulated manager and administrator under the vehicle's official arrangements.

5. Strategy description

A1A's current strategy is designed around the selective acquisition of eligible, short-duration, first-lien U.S. mortgage notes rather than loan origination. Selection may consider collateral, borrower equity, loan-to-value, documentation, jurisdiction, servicing capability, concentration and available workout or enforcement pathways.

Before acquisition, collateral is assessed using prudent underwriting assumptions rather than relying solely on a stated market value, and loan-to-value is considered against a conservatively assessed collateral value. This is intended to provide an additional buffer against valuation uncertainty and adverse market movement.

Following acquisition, the designated U.S. originator and servicer remains responsible under the applicable servicing arrangements for active servicing, including payment monitoring, borrower communication, management of agreed repayment and exit milestones, and early escalation where performance diverges from plan. A1A monitors servicing performance and material exceptions through defined reporting and escalation procedures. These features are intended to support risk management but do not eliminate risk or assure payment, exit or recovery.

6. Principal risks

Loss of capital. The value of an investment can fall, and an investor may lose some or all capital invested.

Borrower credit and default. A borrower may fail to make payments or meet other obligations, reducing income and requiring workout or enforcement action.

Collateral and property value. Real-estate values can decline. Valuations may be wrong or become outdated, and sale proceeds may be insufficient after senior claims, taxes, costs and delays.

Loan-to-value and borrower equity. These measures can provide a protection layer but do not prevent loss, particularly if values fall, documents are defective or enforcement is delayed.

Liquidity. Mortgage notes and interests in a private investment vehicle are not readily tradable. Redemptions, transfers or realisation may be restricted, delayed, suspended or unavailable under the official terms.

Valuation. Private assets may not have observable market prices. Valuations can involve estimates, judgement and uncertainty and may differ from eventual recoveries.

Enforcement and recovery. Foreclosure, power-of-sale, workout and other remedies depend on the jurisdiction, documents, facts, courts, servicers and legal process. They may be contested, costly or slow, and success is not guaranteed.

Servicing and operational risk. Errors, system failures, fraud, poor servicing, cyber incidents or failures by service providers can interrupt collections, reporting, controls or recovery activity.

Concentration. Exposure to particular borrowers, lenders, servicers, property types, regions or states can amplify losses from an adverse event.

Counterparty risk. Originators, sellers, banks, servicers, custodians, advisers and other counterparties may default, fail to perform or become insolvent.

Currency and cross-border risk. Differences between the currency of assets, expenses and an investor's reference currency can affect value and returns. Cross-border arrangements may create additional legal, tax and operational risk.

Leverage. If leverage is permitted or used under official terms, it can increase returns but also magnify losses, liquidity pressure and the risk of forced realisation.

Legal, regulatory and tax change. Changes in law, regulation, enforcement practice, tax or market structure can affect eligibility, costs, operations, recoveries, distributions and value.

Strategy and launch risk. A new or developing strategy may have limited operating history and may encounter execution, capacity, funding, deployment and scaling challenges.

7. No performance assurance

Any target, objective, illustration, scenario, model, case study, historical note-file analysis or operating data is not a promise, forecast or guarantee. Work undertaken by A1A since 2023 to develop and test its approach does not represent a live regulated-fund track record unless an approved document expressly states otherwise. Past or modelled outcomes are not reliable indicators of future results.

8. Jurisdiction and enforcement information

References to selected U.S. jurisdictions, non-judicial foreclosure or power-of-sale procedures describe aspects A1A may consider in its strategy research. The legal route and outcome depend on the state, security instrument, property, borrower, facts and applicable law. No jurisdiction provides certain, immediate or cost-free recovery.

9. Controlled information and document priority

Following a relevant discussion, A1A may grant gated platform access to A1A-owned strategy, framework, investor FAQ, due-diligence and supporting materials. These materials support informed evaluation but are not the official prospectus, constitutional or subscription documents and do not confirm eligibility or acceptance.

If a prospect wishes to explore proceeding, A1A may introduce them to the appointed regulated manager. The manager provides the official prospectus and applicable constitutional, offering, subscription and risk documents and conducts the formal eligibility and onboarding process. Those official documents and notices contain the legally operative terms. If A1A or website content differs from them, the official documents prevail.

10. Independent assessment

Potential investors must assess their own objectives, financial position, risk tolerance, liquidity needs, legal position and tax circumstances and should obtain independent professional advice. Neither an A1A enquiry nor a discussion with Timothy Moisis is a personal investment recommendation or a substitute for that assessment.

11. Security and fraud prevention

A1A will not request funds or financial credentials through its public website. Official personnel use @a1agp.com email addresses. Verify suspicious communications through [email protected] before taking action.