Risk Disclosure

Important Notice

Investing in fractional real estate shares through Investra involves significant risks. This disclosure outlines the principal risks associated with investing through our platform. You should carefully consider these risks before making any investment decision.

1. Investment Risk

Capital Loss: Real estate investments can decrease in value. You may lose some or all of your invested capital. Past performance is not indicative of future results.

No Guaranteed Returns: Projected ROI figures are estimates only and are not guaranteed. Actual returns may be lower than projected or negative.

2. Liquidity Risk

While Investra offers a marketplace for trading shares, there is no guarantee that:

1. You will be able to sell your shares when you want to
2. You will receive your desired price or any price close to your original investment
3. The marketplace will have sufficient buyers for your shares

Your investment may be illiquid for extended periods, potentially years.

3. Market Risk

Real estate markets are subject to:

1. Economic downturns and recessions
2. Changes in interest rates affecting project values
3. Local market conditions and demographic shifts
4. Supply and demand fluctuations
5. Changes in project taxes and regulations

4. Project-Specific Risks

Individual properties may face:

1. Vacancy periods reducing rental income
2. Tenant defaults and non-payment of rent
3. Unexpected maintenance and repair costs
4. Natural disasters, fires, or other project damage
5. Environmental issues or contamination
6. Zoning changes or development restrictions

5. Regulatory Risk

Real estate investment platforms are subject to evolving regulations. Changes in:

1. Securities laws and financial regulations
2. Tax laws affecting real estate investments
3. Cross-border investment restrictions
4. Platform operation requirements

These changes may adversely affect your investments or Investra's ability to operate.

6. Platform Risk

Risks associated with the Investra platform include:

1. Technical failures or cyberattacks
2. Business failure or insolvency of Investra
3. Changes to platform fees or terms
4. Errors in project valuation or due diligence

7. Currency and Exchange Rate Risk

If you invest in properties denominated in currencies other than your home currency, you are exposed to exchange rate fluctuations that can affect your returns when converted back to your currency.

8. Concentration Risk

If you invest heavily in a single project or geographic area, you face concentration risk. A diversified portfolio across multiple properties and locations can help mitigate but not eliminate this risk.

9. Taxation Risk

Tax implications of your investments may be complex and subject to change. You are responsible for understanding and complying with all applicable tax obligations. We recommend consulting with a tax advisor.

10. Limited Control

As a fractional investor, you have limited or no control over project management decisions, sale timing, or other operational matters. These decisions are made by project managers or majority stakeholders.

11. Information Risk

While we strive for accuracy, project information may be incomplete, outdated, or contain errors. You should conduct your own due diligence before investing.

Recommendation

You should only invest money that you can afford to lose. Fractional real estate investing is suitable only for investors who:

1. Understand the risks involved
2. Can afford to lose their entire investment
3. Have a long-term investment horizon
4. Do not need immediate liquidity

We strongly recommend seeking independent financial and legal advice before investing.

Acknowledgment

By investing through Investra, you acknowledge that you have read, understood, and accepted all risks outlined in this disclosure.

Last updated: November 2025