INVESTMENT

Our vision is to make property financing and investing attainable for anyone, anywhere in the world. Our talented team of 60+ top-notch professionals is all about growth, on both a business and a personal level. Our core values are being determined, bold, and free to embrace diversity. We practice empathy and honesty every step of the way.

MDAICReal’s mission is to offer property financing and investment solutions through a single marketplace for both individuals and businesses globally.

If you would like to inquire about a deposit made, please attach a payment order, if possible. If you send us a document or an image, please check that the document's quality is good and has all the necessary information. If you would like to inquire about a deposit made, please attach a payment order, if possible. If you send us a document or an image, please check that the document's quality is good and has all the necessary information.

Investors from some jurisdictions have been restricted from creating an account. This restriction can apply because of several reasons, for example:

• the legislation of your country of residency requires a license or imposes regulatory obligations on MDAICReal;
• your country of residence is considered a high-risk jurisdiction;
• international sanctions have been imposed on your country of residence;
• there are other regulatory risks due to which, we have decided not to service investors from such countries.

In addition to country of residence, this restriction may apply to private investors when their country of tax residence is a restricted jurisdiction, and to a company investor when the company is registered in a restricted jurisdiction.

For more information, please see the clause 2.7 and 2.9 of the User Terms, or contact us at info@mdaicreal.com.

If you still have not received the letter or SMS, please contact our customer support via email info@mdaicreal.com.

For other changes, like your name, please send your request to MDAICReal support via info@mdaicreal.com with a copy of your ID and your new name and we will assist you with updating your data. Please send the request from the email address that is connected to your MDAICReal account.

An unsecured loan is a loan which does not have any collateral in place, such as land or apartment, and is solely based on a borrower’s credit history and potential ability to repay. Secured loans have assets as collateral so that if a borrower cannot repay the loan, MDAICReal's security agent will start the asset sales process. Hereby, the risk of losing the money lent to the borrower is minimized.

An “inactive account fee” is charged as contractual penalty to users who have deposited funds in their accounts but who have not made any new investments on the Primary or on the Secondary market for the last 12 months and who have no active loans in their portfolio. The fee will be applied monthly in case there is a positive balance on the user’s account. If the cash balance is €0 then the fee will not be applied. If the user makes an investment, the account status will be switched to active again.

The syndication process can take anything from a few minutes up to 2 weeks. How fast the loan is funded depends mostly on the attractiveness and terms of the project.

The list of required information and documentation includes but is not limited to information on the requested loan amount; loan period; interest and repayment schedule; description of the project – how the money will be used; description of the mortgage (location, condition); appraisal report; business plan; pictures of the collateral if applicable; information about the borrower's previous projects and introduction of the borrower. All documents can be uploaded in the loan application form. Additional documents can be sent to info@mdaicreal.com or directly to your appointed loan manager.

• • A development loan is a loan that it used to finance the bankable development's planning process or the bankable development or EPC of the property itself.
  • A bridge loan is a short-term loan used to meet current obligations before securing a permanent financing option, enhancing the value of the property or selling the underlying asset.
  • A business loan is a loan that is used to raise capital for supporting the day-to-day activities of the firm, business expansion, acquisition of equipment or goods, cover pending obligations (taxes, etc.).

Despite the loan type, all MDAICReal's loans are secured with a mortgage.

Investors' money is held in a segregated client money bank account. The account is separate from MDAICReal's operational bank account and is protected in the unlikely event that anything happens to MDAICReal. Any uninvested money that is in your account can be withdrawn instantly. Investors funds are being kept partially within the Lemonway payment service provider in BNP Paribas, and in Raiffeisn Bank.

All details required for making a payment can be found by logged in users on our webpage under the "deposit/withdraw" section. Users are welcome to make their deposits to MDAICReal via SEPA payments, Raiffeisen Bank link, but also through third party service providers such as Wise Borderless, Lemonway, Revolut and Paysera. A user's deposit is the means to verify the bank account, hence the deposit needs to be done from the investor's personal bank account! If you are using the Wise service, please make sure you are using a multi-currency account for your deposits. More information can be found here. Attention should also be paid to the countries where such accounts cannot be opened - you will find the countries listed here.

Please be aware that MDAICReal only accepts euro payments - unfortunately, payments in other currencies will be rejected.

Lemonway is a payment service provider ensuring efficient and secure means for handling investors' funds and transactions. Lemonway is regulated by the ACPR – Banque de France since 2012. MDAICReal is gradually moving investors to Lemonway, hence not all investors' accounts are currently in Lemonway but also in Raiffensen Bank. Lemonway accounts are in the name of the beneficiary (investor or borrower) and they are opened automatically when you sign up and are verified on the MDAICReal marketplace. All money movements are initiated based on your instructions/activities on the MDAICReal interface.

Lemonway users receive a personal IBAN account ensuring full segregation of investors' funds. When making deposits to your virtual account, you need to transfer funds to your personal IBAN account in Lemonway. Similarly to regular deposits, all account data can be found from "deposit / withdraw" section.

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Investment Strategies represent an automatic investment tool (evolution of Auto Invest) which enables you to establish the criteria of your desired investment portfolio and we will do everything else for you by ensuring allocation to suitable loans on the marketplace. Minimum investment amount is EUR 55 and you can reactivate, deactivate or change your strategy at all times.

To choose a strategy that will build your portfolio for you, select the “Invest” page from the upper panel while logged in and enable the feature. The investor has the opportunity to choose from a variety of criteria while seeing an overview of past loans and how many loans the selected criteria apply to. You also have the option to choose between 2 pre-determined strategies: Conservative and Balanced. More details can be found directly on the Investment Strategies activation page.

Balanced investment strategy. Just like the name says, the approach here is tilted towards maximizing your returns while still keeping security at a premium, but with a slightly higher tolerance for risk. The perfect balance if the yield of your portfolio is your main aim.

Custom investment strategy. For the more experienced investor who knows their LTVs from their collateral value and their bridging loans from their development loans, this fully customizable strategy will hit the sweet spot. You'll be able to set up Auto Invest to meet your exact criteria, adjust it any time you want to, and exercise total control over your investment automation.

You can read about the currently applicable loan criteria for each of the available Investment Strategy from the activation page.

Increasing the Automated Investment Strategies investment amount over EUR 50 does not always guarantee that the investment is made to the respective extent. While the application endeavours to make investments in the amount you have set, in some cases the application may also calculate a smaller amount for the investment. The application prefers investors who have set EUR 50 as the investment amount, which means that the investments of such investors are drawn into projects first followed by investments of investors who have set a larger investment amount.

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The referral program lets you earn extra bonuses by inviting friends, acquaintances, and family members to join the platform.

To receive your bonus, you should share your personal referral code (MDAICR code) with the potential new investor.

A successful investor registration is counted when a new investor verifies their account and invests any amount into any of MDAICReal projects that reaches "funded" status.

The user can withdraw the investment credit after successful investment in a primary market project once the project is repaid.

The Secondary market is a feature through which investors can prematurely sell their investments, should they have the need for additional liquidity. The Secondary market can be used by all investors who are involved in MDAICReal’s investment opportunities. From the buyers' side – all registered and verified MDAICReal users are welcome to purchase investments from the Secondary Market.

All returns are divided between the two parties based on their actual investment duration. Meaning that the seller is entitled to all interest payments made before they sell their claim, while the buyer receives all interest payments after they purchase the claim. However, the seller can choose to sell at a more expensive rate (up to the amount of unreceived interest), although such a sale is unlikely to attract a buyer. If the buyer purchases a loan that is in debt, meaning that certain penalties, indemnities or interest payments have not been done and the claim exists, then all claims and any potential proceeds will belong to the buyer. Once the seller has sold an investment, they have no future claims to any of the proceedings.

There are no fees for using the Secondary Market for the buyer. For the seller, a 3% transaction fee will be applied.

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The Instant Exit program is a voluntary feature that can be used for immediate liquidity through selling the claims in an investor's portfolio. When using the Instant Exit feature a fixed 35% discount on the outstanding principal amount is automatically applied. The Instant Exit feature is only available once there are sufficient funds in the Instant Exit pool and when the pool has not reached the pre-set exposure limits. Please be aware that the current feature has limited availability as the product is in beta-testing mode.

As of today, the Instant Exit pool is limited and as a result certain limitations apply to ensure the needed diversity for the period of beta-testing the product. Limitations on the total pool of claims sold via the Instant Exit feature are as follows:

• • Maximum exposure into one loan in the total pool of funds - 10%
  • Maximum exposure into one borrowing company’s and/or representative’s loans - 25%
  • Maximum exposure into loans funded against one collateral property - 25%.