1. GENERAL RISK WARNING

1.1 Subscription for the Shares involves risk.

1.2 The value of the Shares may increase or decrease.

1.3 You may lose some or all of the capital invested.

1.4 You should not subscribe unless you are able to bear the economic risk of the investment for an indefinite period.

2. ILLIQUIDITY

2.1 The Shares are not listed on any exchange.

2.2 There is no public market for the Shares.

2.3 The Shares are non-transferable except with prior written consent of the Company and in accordance with its constitutional documents.

2.4 There is no assurance that any resale, transfer, redemption, or exit opportunity will be available.

3. NO GUARANTEE OF RETURNS

3.1 The Company does not guarantee any return on investment.

3.2 Any valuation information reflects the Company’s internal methodology and does not constitute a promise of future value.

3.3 Past performance, if referenced, is not indicative of future results.

4. DIVIDEND RISK

4.1 Dividends, if any, are declared at the discretion of the Company.

4.2 There is no obligation on the Company to declare or pay dividends.

4.3 The timing and amount of any dividend may vary.

5. BUSINESS RISK

5.1 The Company’s KiiBank operations may be affected by operational, technological, regulatory, commercial, and market risks.

5.2 Changes in law, regulation, taxation, or market conditions may adversely affect the Company and the value of the Shares.

6. REGULATORY AND LEGAL RISK

6.1 The regulatory environment applicable to financial services may change.

6.2 Changes in regulation may impose additional obligations, costs, or restrictions on the Company’s operations.

7. TAXATION

7.1 You are responsible for obtaining independent advice regarding the tax consequences of subscribing for the Shares.

7.2 The Company does not provide tax advice.

8. NO ADVICE

8.1 The Portal and any information provided through it are for informational purposes only.

8.2 The Company does not provide investment, legal, accounting, or tax advice.

8.3 You are responsible for making your own independent assessment of the suitability of the investment.

9. ACKNOWLEDGEMENT

By submitting a subscription request, you acknowledge that:

(a) You have read and understood this Risk Disclosure Statement;

(b) You understand that the Shares are illiquid and non-transferable;

(c) You understand that you may lose the capital invested; and

(d) You are making an independent decision to subscribe for the Shares.