Investment Risk Disclosure

This Investment Risk Disclosure (the “Disclosure”) is provided by Arcvale Capital (“Arcvale”). It is intended to highlight — not exhaustively describe — material risks associated with private investment opportunities presented on Arcvale’s platform. You should read every offering document carefully and consult your own legal, tax, and financial advisors before investing.

1. No advice; no offer

Arcvale is not a registered investment adviser, a broker-dealer, a placement agent, or a fiduciary. Nothing on the Arcvale website, in the portals, or in our communications is an offer to sell, a solicitation of an offer to buy, or a recommendation regarding any security, investment, or strategy.

2. Accredited investors only

Opportunities presented through Arcvale are offered only to verified accredited investors as defined under SEC Rule 501 of Regulation D. By participating, you represent that you meet that standard and acknowledge that Arcvale relies on your self-certification.

3. Speculative and illiquid

Private investments — including real estate, business acquisitions, earnest money positions, debt, and equity in operating companies — are speculative and illiquid. There is generally no public market for these interests, and you may be required to hold the investment indefinitely. You should be prepared to lose your entire investment.

4. Risk of total loss

Each opportunity carries the risk of partial or total loss of invested capital. Causes of loss may include but are not limited to: business underperformance, market disruption, tenant default, construction or operational failures, borrower default, fraud, litigation, interest rate movements, regulatory changes, and macroeconomic conditions.

5. No guarantee of returns

Any projected, target, or historical returns are estimates only, based on assumptions that may not materialize. Past performance is not indicative of, and does not guarantee, future results.

6. Earnest money & transactional capital

Short-term capital deployments — including earnest money, deposit funding, and transactional bridge capital — are particularly sensitive to deal close timing. Capital may be delayed, renegotiated, or lost if the underlying transaction does not close, if a borrower defaults, or if a counterparty fails to perform. Arcvale is a marketplace facilitator and is not liable for borrower default or counterparty performance.

7. Conflicts of interest

Arcvale, its affiliates, and its principals may invest in, sponsor, manage, or have other interests in the opportunities presented. Specific conflicts are described in each opportunity’s offering documents.

8. Tax considerations

Private investments have complex tax consequences that vary by investor. You should consult your own tax advisor before committing capital.

9. Forward-looking statements

Materials on the Services may contain forward-looking statements regarding strategy, markets, or projections. Such statements involve risks and uncertainties, and actual results may differ materially.

10. Diligence

You are responsible for conducting your own diligence on any opportunity. Information provided by Arcvale is summarized for convenience and is not a substitute for the full offering documentation.

11. Acknowledgment

By using the Services and by committing capital to any opportunity you acknowledge that you have read, understood, and accepted this Disclosure.

12. Contact

Questions about this Disclosure may be sent to legal@arcvalecapital.com.