Risk Disclosure

Effective date: 21 September 2026 IMPORTANT: CAPITAL AND PROFIT ARE AT RISK Private business financing involves substantial risk. You may receive less than expected, payments may be delayed, and you may lose some or all of the capital committed. You should participate only after reviewing the signed documents, considering your financial circumstances and obtaining independent professional advice where appropriate. 1. NO GUARANTEED RETURN Target distributions, projected profits, illustrations and repayment schedules are forward-looking estimates. They are not guaranteed and are not evidence of future performance. Financing genuine commercial activity is not gambling, but a real business can still underperform or fail. Legitimate business activity therefore does not guarantee 100% repayment of capital or profit. Any guarantee or protection must be expressly documented for the specific opportunity, identify who provides it and state its conditions and limits. Its value depends on the provider’s ability and legal obligation to perform. Meridian does not guarantee an opportunity unless Meridian expressly accepts that obligation in the signed agreement. 2. BUSINESS AND CREDIT RISK Investor outcomes depend on the underlying business generating sufficient cash and meeting its obligations. Revenue may fall, costs may rise, contracts may be lost, customers may default, management may make poor decisions, or the business may become insolvent. Due diligence reduces uncertainty but cannot eliminate these risks or detect every problem. 3. DELAY, DEFAULT AND RECOVERY RISK A business may pay late, restructure, dispute an obligation or fail to repay. Enforcement, restructuring or recovery can be costly, lengthy and unsuccessful. Security, collateral or contractual remedies, where present, may be difficult to enforce or worth less than expected. 4. ILLIQUIDITY Private financing is generally not traded on a public market. You may be unable to sell, transfer or exit before the stated term. You should not commit money needed for living costs, emergencies or short-term obligations. 5. CONCENTRATION AND DIVERSIFICATION Committing a large proportion of available capital to one business, sector, country or opportunity increases loss exposure. Diversification does not prevent loss but may reduce concentration risk. 6. INFORMATION AND VALUATION RISK Private businesses may provide less frequent or standardised information than public companies. Forecasts depend on assumptions that may prove incorrect. Information can become outdated, incomplete or inaccurate after review. 7. LEGAL, REGULATORY AND TAX RISK Laws, regulation, enforcement approaches and tax treatment may change. Participation permitted in one country may be restricted in another. Each user is responsible for determining whether participation is lawful and suitable in their jurisdiction and for obtaining independent tax advice. 8. CURRENCY AND CROSS-BORDER RISK Where commitments, business revenue or distributions involve different currencies or countries, exchange-rate movements, transfer restrictions, banking delays, sanctions, political events or differing legal systems may reduce or delay amounts received. 9. PLATFORM AND TECHNOLOGY RISK Service interruptions, cyber incidents, fraud, identity theft, third-party failures or incorrect payment instructions may cause delay or loss. Confirm payment details through an authorised channel before transferring money. 10. CONFLICTS AND FEES Meridian or another intermediary may receive fees or a share connected with a transaction. These arrangements can create conflicts and reduce net distributions. Applicable terms should be reviewed before commitment. 11. YOUR DECISION Meridian’s orientation and website information are educational and administrative, not personal recommendations. You must evaluate each opportunity independently, read all signed documents and ask questions before committing. Contact meridianinvestmenthub@gmail.com if any risk or term is unclear.