A New Framework for Long-Term Growth: The Loyalty Program

Starting March 24, we are introducing a new loyalty system designed to reward long-term capital commitment and platform continuity. This framework is built on three structural pillars: portfolio size, investment maturity, and continuous activity.

1. Portfolio-Based Tiers

Investors are categorized into four distinct tiers based on their active outstanding portfolio (working capital) at the moment funds are allocated to a project:

• Tiers: Explorer, Grower, Steward, and Legacy.

• Mechanism: Your tier is determined and locked at the time of allocation. This status dictates the specific yield bonuses and referral advantages applicable to that investment for its duration.

2. Yield Bonuses and Maturity

To support the stability of the platform's projects, additional rewards are tied directly to the investment lifecycle:

• Cycle Completion: Yield bonuses are granted only upon the successful completion of the full investment term (the original term defined at the time of allocation).

• Early Exit Policy: Any withdrawal prior to the maturity date is considered an early exit. To maintain the integrity of the program, early exits result in the disqualification of that specific investment from all loyalty-related rewards.

3. Platform Loyalty Uplift (Time-Based)

This component recognizes sustained platform presence over multiple years, independent of portfolio size:

• Continuity Requirement: An additional yield uplift is applied for continuous activity over multi-year periods.

• The €500 Threshold: To keep the "loyalty clock" running, the outstanding portfolio must remain at or above €500. If the portfolio falls below this threshold at any point, the continuity counter resets, and a new period begins only once the minimum requirement is met again.

4. Tier-Enhanced Referral Program

We are evolving our referral structure from a standard fixed-reward model to a tier-enhanced system. In addition to improved bonuses for each friend who joins, investors can now earn rewards based on the active portfolio of those they refer. Higher tiers will also benefit from extended timeframes to qualify for these rewards.

Specific tier thresholds, yield percentages, and full technical documentation will be published in the new Loyalty Program and Refer a Friend section of your account on March 24.

We advise all investors to review their current active portfolio levels to ensure they meet their desired tier requirements and maintain the €500 minimum to preserve their continuity history.