1. General Information Only

The information provided on this website and in all Stable Securities communications is general information only. It does not take into account your personal financial situation, objectives, or needs. Before making any investment decision, you should assess whether the information is appropriate for your circumstances and consider seeking professional financial advice.

2. Not Financial Advice

Nothing on this website constitutes financial product advice, investment advice, tax advice, or legal advice. The information is provided for general informational purposes only. You should obtain independent advice from a licensed financial advisor before making any investment decisions.

3. Investment Risks

All investments carry risk, including the risk of losing some or all of your invested capital. Specific risks associated with construction lending investments include:

• Default Risk: Borrowers may default on loan repayments, potentially resulting in delays or loss of capital
• Security Risk: Property values may decline, reducing the value of security backing loans
• Construction Risk: Projects may experience delays, cost overruns, or failure to complete
• Market Risk: Property market conditions may deteriorate, affecting borrower ability to repay or sell completed projects
• Liquidity Risk: Redemptions are subject to notice periods and fund liquidity; you may not be able to access capital when desired
• Concentration Risk: The fund invests in a specific sector (construction lending) and geographic region
• Interest Rate Risk: Changes in interest rates may affect borrower capacity and investment returns
• Regulatory Risk: Changes in laws or regulations may affect the fund's operations or investments

4. No Guarantee of Returns

Target returns stated are indicative only and are not guaranteed. Actual returns may be higher or lower than targets. Past performance is not a reliable indicator of future performance. You may lose some or all of your invested capital.

5. Wholesale Investors Only

Investment opportunities described on this website are available only to wholesale clients as defined in section 761G of the Corporations Act 2001 (Cth). This generally includes persons who:

• Have net assets of at least $2.5 million; or
• Have gross income of at least $250,000 per annum for each of the last two financial years; or
• Invest at least $500,000; or
• Are a professional investor or sophisticated investor as defined in the Act

6. Read the Information Memorandum

Before investing, you must read and understand the Information Memorandum (IM) and all other relevant disclosure documents. The IM contains detailed information about the investment including objectives, strategy, fees, risks, and terms. These documents are available from Stable Securities on request.

7. Forward-Looking Statements

This website may contain forward-looking statements about future performance, market conditions, or strategy. These statements are based on current expectations and assumptions that may prove incorrect. Actual results may differ materially from those projected. Forward-looking statements should not be relied upon as guarantees of future performance.

8. Past Performance

Any historical performance information provided is for illustrative purposes only. Past performance is not a reliable indicator of future performance. Future returns may differ from historical results due to market conditions, portfolio composition, or other factors.

9. Taxation

Investment in Stable Securities products will have taxation implications. The taxation treatment depends on your individual circumstances. You should obtain independent taxation advice before investing. Stable Securities does not provide tax advice.

10. Fees and Charges

Returns quoted are generally net of management fees. However, there may be other costs associated with investing. Please refer to the Information Memorandum for full details of all fees, charges, and costs.

11. Cooling Off Period

As these investments are available to wholesale clients only, the usual retail client protections including cooling off rights do not apply. Once an investment is made, you may not be entitled to a cooling off period.

12. Complaints

If you have a complaint about our services, please contact us in writing. We have an internal dispute resolution process and are members of the Australian Financial Complaints Authority (AFCA), which provides a free and independent dispute resolution service.

13. Regulatory Information

14. Acknowledgement

By proceeding to invest with Stable Securities, you acknowledge that:

• You have read and understood this disclaimer
• You understand the risks of investing
• You have read the Information Memorandum
• You have sought independent advice (or chosen not to)
• You qualify as a wholesale investor
• The investment is suitable for your circumstances

15. Contact Us

For more information or to discuss any aspect of this disclaimer: