Risk Notice

Please read and ensure you understand the following risk notice before engaging with Melbury Place:

You could lose all the money you invest
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Investments offered by Melbury Place involve a high degree of risk. If the underlying business fails, you may lose the entirety of your investment. High advertised returns do not guarantee security, and past performance is not indicative of future results.

Advertised returns are not guaranteed.

This is not a savings account. Returns may vary, and the issuer's inability to meet obligations may result in lower-than-expected or no returns. Higher potential returns often correlate with higher levels of risk.

Limited investor protections
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Depending on your jurisdiction, protections from financial compensation schemes may be limited or unavailable:

• United Kingdom:
Investments are not covered by the Financial Services Compensation Scheme (FSCS) for poor investment performance. For regulated advice claims, please check eligibility at www.fscs.org.uk.

• Australia:
Investments are not covered under the Australian Financial Complaints Authority (AFCA) or the Australian Government's Financial Claims Scheme (FCS).

• United States:
Investments are not insured by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC).

• Hong Kong:
Investments are not protected under the Investor Compensation Fund (ICF) administered by the Securities and Futures Commission (SFC).

Limited liquidity
Investments in our products are not readily liquid. Investors may face delays in withdrawing their capital, and early withdrawal may not be possible or could incur penalties.

Complexity of investment
Our investment structures may be complex, involving underlying assets or strategies that are difficult to understand or evaluate. You should seek independent financial advice to assess suitability.

Diversification is key
Investors are encouraged to diversify their portfolios and avoid investing more than 10% of their overall capital in high-risk investments.

Tax considerations
Investors may be subject to withholding taxes and other levies depending on their jurisdiction. Seek tax advice to understand potential implications.

Fraud and operational risks
Despite rigorous due diligence, investments carry the risk of fraud, operational failures, or economic downturns that could negatively impact returns.

You are unlikely to get your money back quickly
This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money.

Advice
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Melbury Place does not offer financial advice or make recommendations. If you are in doubt as to whether lending to Melbury Place is suitable for you, you should seek independent advice from a financial adviser or other professional.

Risk Priority
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Melbury Place enables you to make fixed rate loans indirectly to a borrower either secured a strong covenant. The loans will be made under individual loan notes directly between you and Melbury Place. Melbury Place is a trading style of Capjourney Ltd, a limited liability company. Loan notes may have different maturities and interest rates but all rank equally, including the loans made by the Directors of Melbury Place and their family members. Melbury Place takes security and receives interest and principal payments from borrowers, which it then uses to service its own borrowings.

Insolvency
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If Melbury Place were to become insolvent or stop trading for any reason, it could present some risk to you. An administrator would be appointed to take over from the directors of the company. The administrator would seek to realise the value of the company’s assets (its loan book) and distribute proceeds to its creditors (primarily the lenders). The value of the loan book sold in distress may not be sufficient to cover all of its debts.

Regulation
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Melbury Place makes unregulated loans. We are not authorised and regulated by any financial regulator in any of the countries in which we operate nor are loans to Melbury Place governed by any consumer credit act.

All Risks
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All risks to your loan cannot be foreseen but it is anticipated that the most likely risks are highlighted within this document.

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