Website & Securities Disclosures

3.1 General information only

This website contains general educational and informational material regarding multifamily real estate, Lova Capital Group, potential investment processes, and selected third-party operator information. It is not a prospectus, private placement memorandum, offering circular, subscription agreement, or recommendation concerning any security.

3.2 No offer; definitive documents required

Nothing on the public website constitutes an offer to sell or a solicitation of an offer to buy any security. Any offer will be made only by the applicable issuer through definitive offering documents delivered to a prospective investor in accordance with applicable federal and state securities laws. Those documents will contain the controlling terms and should describe material risks, fees, expenses, conflicts, eligibility requirements, transfer restrictions, tax considerations, and the roles of relevant parties.

An indication of interest, investor-community registration, webinar registration, conversation, or questionnaire is non-binding. Lova and any applicable issuer may decline or limit participation as permitted by law and the offering documents.

3.3 Offering eligibility varies

Not every opportunity is available to every person. Eligibility may depend on the exemption used, investor status, sophistication, financial circumstances, jurisdiction, relationship with the issuer or its representatives, investment minimum, and other offering-specific requirements. The website's use of the word "investor" does not mean every visitor is eligible for every offering.

Some lawful exemptions permit participation by a limited number of sophisticated non-accredited investors subject to conditions and enhanced disclosure obligations; others permit general solicitation but limit purchasers to verified accredited investors; other exemptions may permit broader participation through specified offering and intermediary requirements. The applicable issuer and its counsel must determine the route for each offering before any offer is made.

3.4 Lova's role

Lova evaluates selected multifamily opportunities and may invest alongside other participants. Lova's role may vary by opportunity and may include another capacity disclosed in the applicable offering documents. The applicable issuer, sponsor, manager, operating partner, property manager, and other material parties will be identified in those documents. Visitors should not infer a role, duty, or affiliation from the public website beyond what is expressly stated.

Unless definitive offering documents expressly provide otherwise, the public website does not give Lova authority to bind an issuer or operating partner, alter offering terms, accept subscriptions, hold investor funds, or make investment decisions on behalf of a visitor.

3.5 Brokerage and investment-adviser status

Lova does not provide individualized investment advice or brokerage services through the public website. Any description of Lova's regulatory status depends on its actual activities, affiliations, compensation, discretion, communications, and role in a particular offering. No statement on this website creates a regulatory exemption or replaces the disclosures in definitive offering documents.

3.6 Fees, compensation, co-investment, and conflicts

Lova, the applicable issuer, sponsors, managers, operating partners, and their affiliates may have economic interests that differ from those of passive investors. Depending on the opportunity, one or more parties may co-invest, own interests, receive management fees, acquisition or disposition fees, financing fees, construction or property-management fees, reimbursements, carried interest, promote, or other compensation. Actual compensation and conflicts must be described in the definitive offering documents. Prospective investors should evaluate those disclosures before investing.

This website does not state or imply that Lova is independent, unbiased, fee-free, or aligned solely because it invests alongside others. Any applicable compensation, economic interest, and conflict will be described in the definitive offering documents.

3.7 Material investment risks

Private real estate investments are speculative and involve substantial risk. Risks may include loss of some or all invested capital; illiquidity and transfer restrictions; lack of a public market; uncertain distributions; operating losses; vacancies and rent pressure; tenant, property-management, and construction risk; renovation delays and cost overruns; casualty and environmental risk; leverage and refinancing risk; interest-rate and rate-cap risk; lender remedies and foreclosure; changes in insurance, taxes, utilities, labor, and regulation; market and valuation changes; cybersecurity incidents; conflicts of interest; reliance on key persons and third parties; tax consequences; and delays or inability to execute an exit strategy.

Risk descriptions on a website are necessarily abbreviated. The offering documents, not this list, should contain the complete offering-specific risk discussion.

3.8 Targets, projections, and forward-looking statements

Target returns, budgets, business plans, rent assumptions, renovation schedules, valuations, financing assumptions, hold periods, and other projections are forward-looking, based on assumptions, and subject to uncertainty. Actual results may differ materially. No target, forecast, distribution schedule, or exit assumption is promised or guaranteed. Words such as "expect," "target," "project," "estimate," "plan," "may," and similar terms may identify forward-looking statements.

3.9 Past and third-party performance

Past performance does not guarantee future results. Operator-level results are not Lova's standalone investment results and are not necessarily representative of any future property, fund, investor, market, strategy, or holding period. Results may vary because of leverage, timing, fees, promote, cash flows, tax treatment, refinancing, 1031 exchanges, market conditions, and investor-specific circumstances.

Unless expressly stated otherwise, Rise48 statistics and reporting examples shown on the website are reproduced from information supplied by Rise48 and have not been independently audited or verified by Lova. They should be displayed with a source name, source date, measurement period, definitions, and a link to the Performance Methodology page.

3.10 Operator and third-party information

References to Rise48 or another operator do not imply that the operator guarantees Lova's statements or that every future Lova opportunity will involve that operator. Names, logos, reports, photographs, and performance materials belonging to third parties may be used only with permission. Third-party information may become outdated, and Lova may correct or remove it without notice.

3.11 No regulatory approval

Neither the U.S. Securities and Exchange Commission nor any state securities regulator has approved or endorsed the website, Lova, an offering, or the accuracy or completeness of website content. Registration of an offering or filing of a notice, if applicable, should not be described as regulatory approval.

3.12 No assurance of distributions or liquidity

Cash distributions, if any, depend on property operations, reserves, financing requirements, manager discretion, and the applicable governing documents. Distributions may be delayed, reduced, suspended, or consist partly of a return of capital. Investment interests may be restricted and may need to be held indefinitely.

3.13 Tax matters

Tax consequences vary by investor and may include taxable income without corresponding cash distributions, depreciation recapture, state filing obligations, unrelated business taxable income, effectively connected income, or other consequences. Website references to tax advantages are general and are not promises. Each prospective investor should consult an independent tax adviser.

3.14 Geographic and access restrictions

The website is operated from the United States. Content is not directed to any person or jurisdiction where its distribution or use would be unlawful. Access from a location does not mean an offering is lawful or available there. Offering availability is determined only under applicable law and definitive documents.

3.15 Corrections and updates

Lova seeks to present information accurately but does not promise that public content is complete or current. If Lova discovers a material error in a displayed metric, attribution, or description, it should promptly correct the public page, preserve internal records of the correction, update the as-of date, and evaluate whether prior recipients require notice.

3.16 Independent review

A prospective investor should independently review the property, market, financing, business plan, risks, fees, conflicts, operator, and offering documents and consult independent advisers. No webinar question-and-answer session replaces that review.