Investor Agreement

At liwwa, Inc and its subsidiaries, it is important to us that our investors fully understand the transaction structure, the fees, and the risks inherent in investing through liwwa’s investment platform (“Marketplace”). Please read the following terms carefully because checking the box during registration signifies your understanding, agreement, and acceptance to these terms:

• Any amounts transferred or credited to an investor account on liwwa and/or invested in any loan does not at any time constitute a Term Deposit.

• Investors on liwwa face the risk that borrowers may default on their loans. liwwa’s ability to transfer investment returns to the investor is wholly dependent upon the borrower issuing the repayment to liwwa. The risks of investing through liwwa, as with any other form of investment, mean that investors may lose part or all of their investment.

• If at any point in the future, liwwa ceases to exist as a company, becomes insolvent, or faces any other distribution event, investors may experience delays in repayment of loans they have invested in. In this unlikely event, investors may lose a portion of or all of their invested funds.

• To become an eligible investor with liwwa, the Investor shall have satisfied the “Know Your Customer requirements” by providing accurate, current, and complete information (including proof of identity and address). liwwa reserves the right to reject any Investor that does not comply with the Company’s “Know Your Customer” requirements at the Company’s sole discretion.

• To the best of the Investor’s knowledge, all information provided in connection with investing at liwwa is correct and complete in all material respects as of the date thereof, and there are no omissions from any such information that result in information being materially incomplete, incorrect, or misleading as of the date thereof.

• We may terminate access to your account at any time without prior notice to you if you fail to comply with our Investor Agreement.

• liwwa conducts a thorough assessment of the borrowers' credit risk and assigns them proprietary credit scores. Therefore, it's the investors’ responsibility to decide on the investments that best suit their risk appetite either manually by investing in individual loans or by using liwwa’s “Auto-Invest” tool.

• liwwa does not have an active secondary market for the loans that investors invest in. This means that investors will only be able to access funds invested when the borrower repays liwwa, and liwwa subsequently deposits the investment returns in the investor’s account.

• To ensure that liwwa’s incentives and risks are aligned with those of the investors, liwwa’s service fee is only applied when a borrower makes a scheduled repayment. When borrowers make their scheduled repayments, liwwa will deduct its service fee and disburse the remaining amount to the investors’ liwwa account. At that point, the investor may withdraw the amount or reinvest it in different loans. liwwa’s service fee is variable and depends on the loan’s parameters, the details of which can be found on liwwa’s website.

• It is advised that investing through liwwa shall be done as part of a diversified portfolio. It is recommended that investors invest small amounts across multiple types of loans through liwwa’s Auto-Invest tool, as opposed to a large amount in one or a few individual loans.

• Investors shall not rely at any time on any past performance as a guarantee of future investment performance hence past performance is not a reliable indicator of future results.

• Investing through liwwa is not covered by any compensation or insurance schemes.

• liwwa operates a marketplace lending site which allows retail (i.e., individual) investors to lend to borrowers (SMEs). liwwa always takes a balance sheet stake in loans on its Marketplace, and also allows banks and other institutional lenders to participate in the Marketplace.

• Investors will receive amount pledged in addition to the profits on a pro rata basis of the loan tenor and amount invested in the loan.

• Funds invested from one country must be withdrawn to a bank account in that same country.

• While loans on liwwa are denominated in U.S. Dollars, loans are given out and repayments are made in the borrower’s local currency. liwwa commits to disburse payment to the investors’ liwwa account in U.S. Dollars at the exchange rate effective at the time the payment is made by the borrower.

• Investors on liwwa shall submit their feedback and/or complaints via the designated email address [email protected], or any other customer-dedicated channel.

Happy Investing!