Investment Disclosures

1. General Risk Disclosures

Investing involves risk, including possible loss of principal. Before investing, consider your investment objectives, risk tolerance, time horizon, and liquidity needs.

• Market Risk: Fund asset values may decline due to economic, political, or market conditions
• Liquidity Risk: Withdrawals require admin approval and ACH settlement — funds are not immediately accessible
• Concentration Risk: The Fund may hold concentrated positions subject to significant volatility
• Counterparty Risk: Risk of failure by banking partners, custodians, or payment processors (Straddle, Plaid, Morgan Stanley)
• Operational Risk: Risk of loss from system failures, cybersecurity incidents, or human error
• Regulatory Risk: Changes in law or regulation may adversely affect the Fund or payment processing

2. Fund Information

• Fund Name: RepInvest Growth Fund
• Custodian: Morgan Stanley
• Currency: USD
• Minimum Investment: $100.00
• NAV Frequency: Daily (business days)
• Deposit Method: ACH via Straddle (bank linking via Plaid)
• Withdrawal: Subject to admin approval, processed via ACH through Straddle

The Fund is a pooled investment vehicle. Investors receive units priced at NAV. RepInvest does not guarantee any specific return or protect against loss of principal.

3. NAV & Pricing

NAV is calculated daily as: Total Fund Value ÷ Total Units Outstanding. NAV is recorded manually by RepInvest administrators based on custodian account data from Morgan Stanley. Units are issued and redeemed at the NAV recorded on the relevant settlement date, which may differ from the NAV on the date you initiated your transaction.

4. Liquidity Risk

RepInvest is not a liquid investment. Unlike a bank account or publicly traded securities:

• Withdrawals require administrator approval before processing
• ACH transfers via Straddle take 1–3 business days to settle after approval
• RepInvest may delay or suspend withdrawals in extraordinary circumstances
• Only invest funds you do not need immediate access to

5. Regulatory Status

RepInvest, Inc. is not a registered investment adviser, broker-dealer, or bank. Nothing on the Platform constitutes investment advice. The RepInvest Growth Fund is a private investment fund not registered under the Investment Company Act of 1940.

ACH payment services and KYC/AML identity verification are provided by Straddle, Inc., an embedded payment processor compliant with Section 326 of the USA PATRIOT Act, CIP requirements, and FinCEN's Customer Due Diligence program. Bank account linking is provided by Plaid Technologies, Inc. Fund assets are custodied with Morgan Stanley Smith Barney LLC.

Straddle operates under applicable financial regulations and handles all payment compliance obligations. RepInvest, as the platform, carries no payment liability or flow-of-funds exposure under Straddle's compliance framework.

6. Tax Considerations

Investment returns may be subject to federal and state income taxes. RepInvest does not provide tax advice. Consult a qualified tax professional regarding the tax implications of investing through RepInvest. You will receive applicable tax forms (1099 or K-1) for reportable transactions.

7. Conflicts of Interest

RepInvest administrators who manage the Fund may have interests that differ from yours. Management fees and performance fees create an incentive to grow the Fund regardless of individual investor outcomes. We mitigate conflicts through transparent NAV pricing, immutable audit logs, and independent custody with Morgan Stanley.

8. Past Performance

All performance data reflects the RepInvest Growth Fund's historical NAV change from inception. Performance is shown before applicable fees unless otherwise stated. Individual investor returns will vary based on deposit and withdrawal timing.

9. Contact

• Legal: legal@joinrepinvest.com
• Support: support@joinrepinvest.com