Investor Agreement

Effective date: 21 September 2026 IMPORTANT This page summarises the standard investor relationship with Meridian. It is not itself an agreement to invest. A binding commitment exists only through the signed documents for a specific opportunity. Those documents control if they differ from this summary. 1. PARTICIPATION An eligible investor may choose to commit capital to a specified private business-financing opportunity after completing required orientation, identity and eligibility checks. Meridian may accept, decline or limit participation where lawful. 2. INDEPENDENT DECISION The investor confirms that they will review the opportunity information, Risk Disclosure and signed documents; ask questions; assess affordability and risk; and obtain independent investment, legal and tax advice where appropriate. Meridian does not provide a personal recommendation or fiduciary promise through the Platform. 3. CAPITAL COMMITMENT The opportunity-specific agreement will state the committed amount, recipient, funding process, term, approved use, payment schedule, distribution method, fees, reporting and exit or maturity provisions. The investor must transfer funds only to the verified destination stated in signed or independently confirmed instructions. 4. COMMERCIAL INVESTMENT; NO GUARANTEE Capital supports genuine commercial business activity and participation is not gambling. Nevertheless, genuine businesses can make losses, pay late or fail. Capital and profits are not guaranteed. Target distributions and projected profits are estimates and actual payments may be lower, delayed or zero. A guarantee or protection is effective only if the specific signed agreement expressly creates it, names the responsible provider and describes its coverage, conditions, exclusions and enforcement. Meridian does not guarantee 100% repayment of capital or profits unless Meridian expressly accepts that precise legal obligation in the signed agreement. 5. DISTRIBUTIONS Distributions depend on the underlying business meeting the obligations and conditions stated in the signed agreement. The agreement will explain calculation, timing, payment priority and treatment of shortfalls, delays or defaults. Dashboard figures are informational records and do not replace contractual statements. 6. FEES AND COMPENSATION Applicable platform, administration, transaction or management charges and any Meridian share must be disclosed before commitment or in the signed agreement. The investor authorises deductions only as set out there. Fees can reduce net distributions. 7. ILLIQUIDITY AND TRANSFERS Private arrangements may not have a secondary market. Transfer, withdrawal, cancellation or early exit may be prohibited or require consent. The investor should be able to hold the participation for the full stated term. 8. INVESTOR OBLIGATIONS The investor must provide accurate information, maintain lawful source of funds, keep account and payment details secure, comply with verification requests, avoid unlawful transfers and promptly report errors or suspected fraud. The investor must not rely on AI-generated answers instead of the original signed documents. 9. REPORTING AND COMMUNICATIONS Meridian may provide updates, statements or documents through the Platform, email or other agreed channels. The investor must keep contact information current. Information may be delayed or revised when updated records become available. 10. DEFAULT, LOSS AND RECOVERY If the financed business defaults, rights and remedies are determined by the signed agreement. Recovery may involve negotiation, restructuring or enforcement and may be incomplete. Meridian does not promise a particular recovery result or timetable. 11. DATA AND CONFIDENTIALITY Personal and transaction information is handled under the Privacy Policy. The investor must keep non-public business and opportunity information confidential except where disclosure is legally required or authorised. 12. GOVERNING LAW, COMPLAINTS AND CONTACT The governing law, dispute forum and notice procedure are stated in the opportunity-specific agreement. Complaints or questions should first be sent to meridianinvestmenthub@gmail.com with relevant details. Mandatory rights under applicable law remain unaffected.