Investments in property and related products are subject to multiple types of risk:

• Market risk: Property values may fall due to economic, political or local factors. Past performance does not guarantee future performance.
• Liquidity risk: Property is an illiquid investment. Selling may be slow, difficult or impossible under certain market conditions.
• Currency risk: International investments (e.g. TRNC - GBP, Turkey - TRY) are exposed to foreign exchange fluctuations.
• Legal and regulatory risk: Legislation varies and changes across different jurisdictions (Cyprus, Serbia, Bulgaria, UAE). We strongly recommend consulting a local legal advisor before any transaction.
• Developer risk: Construction delays, developer insolvency, project changes or failure to obtain proper permits are possible risks when purchasing off-plan property.
• Tax risk: Tax treatment of investments varies depending on the investor's tax residence. The investor is solely responsible for fulfilling tax obligations.

Recommended procedures and protective mechanisms for investors:

• Letter of Intent (LOI): Signing a letter of intent or reservation agreement by the investor and developer/seller to withdraw the property from the market.
• Due Diligence: Careful legal and financial review of the property. Findes Group recommends engaging an independent local lawyer.
• Milestone payments: It is recommended to pay the purchase price in tranches tied to construction milestones (e.g. 30% on signing, 20% on foundation, etc.).
• Escrow account: Where possible and appropriate, funds should be held in a fiduciary account (escrow) at a notary or bank until contractual conditions are met.
• Representations and warranties: The investor should require written warranties from the seller regarding absence of debts, mortgages and legal disputes (clean title).

In accordance with the Anti-Money Laundering and Terrorist Financing Prevention Act (ZPPDFT-2) and international standards, Findes Marketing d.o.o. (or authorised local partner/lawyer) is required to perform customer identification procedures (KYC - Know Your Customer) for all investments above the legal threshold.

The investor must provide:

• A valid identity document (passport or national ID card),
• Proof of residence address (Utility bill),
• Proof of source of funds (Source of Funds), if required by a bank, notary or legislation of the jurisdiction where the investment is made.

• Findes Marketing d.o.o. (Registration No. 9004459000) is registered in the Republic of Slovenia as a marketing and business consulting company. It holds no licence to provide securities services.
• Investra International Ltd (Company No. 16626956) is registered in the United Kingdom as an IT services and advertising space provider.
• Insurance intermediation and brokerage are provided exclusively by Findes plus d.o.o. and Findes plus 2 d.o.o., which are officially licensed and registered with the Insurance Supervision Agency (AZN) of the Republic of Slovenia.