Disclosures

1. General Investment Disclosures

Spry & Hodler Investment Group ("the Company") provides investment management services across cryptocurrency, real estate, and agricultural asset classes. The information provided on our website and marketing materials is for informational purposes only and does not constitute investment advice, financial advice, trading advice, or any other sort of advice.

2. Risk Disclosures by Asset Class

Cryptocurrency Investments

• Cryptocurrency markets are highly volatile and can experience rapid price fluctuations within short periods
• Digital assets are not backed by any government or central bank and are not insured by the FDIC or SIPC
• Regulatory environments for cryptocurrency vary by jurisdiction and are subject to change, which may adversely impact the value of your investments
• Blockchain technology, while robust, carries risks including smart contract vulnerabilities, network attacks, and protocol failures
• Cryptocurrency exchanges and custodial services may be subject to hacking, fraud, or insolvency
• Tax treatment of cryptocurrency varies by jurisdiction and may change over time

Real Estate Investments

• Real estate investments are illiquid and may require extended holding periods before capital can be returned
• Property values are subject to market conditions, economic cycles, interest rate changes, and local factors
• Rental income may fluctuate due to vacancy rates, tenant defaults, or changes in market rental rates
• Real estate investments may be subject to environmental liabilities, zoning changes, and regulatory requirements
• Fractional real estate ownership carries additional risks related to co-ownership structures and governance
• Property maintenance, insurance, and tax costs may reduce net returns

Agricultural Investments

• Agricultural investments are subject to weather events, natural disasters, pest infestations, and crop diseases
• Commodity prices fluctuate based on global supply and demand, trade policies, and currency exchange rates
• Agricultural land values may be affected by soil quality degradation, water availability, and environmental regulations
• Climate change poses long-term risks to agricultural productivity and land values
• Agricultural investments may have seasonal cash flows and require patience through production cycles
• Government subsidies and agricultural policies may change, affecting profitability

3. Performance Disclosures

Performance figures presented on our platform and marketing materials are subject to the following conditions:

• Historical returns are calculated net of management fees but may not include all applicable costs
• Performance data is sourced from our internal records and third-party data providers. While we believe these sources to be reliable, we cannot guarantee their accuracy
• Benchmarks used for comparison purposes may differ in composition, risk profile, and investment strategy from our funds
• Individual investor returns may vary from stated fund performance due to timing of investments, withdrawals, and fee structures
• Return figures for periods of less than one year are not annualized

4. Fee Disclosure

Our fee structure includes the following components, which may vary by investment plan:

Additional transaction costs (trading fees, blockchain gas fees, property transfer taxes) may apply and are passed through at cost. Full fee schedules are provided in your investment agreement.

5. Conflicts of Interest

We are committed to transparency regarding potential conflicts of interest:

• The Company and its affiliates may invest in the same assets or asset classes as our clients
• We may receive compensation, referral fees, or revenue-sharing arrangements from third-party service providers
• Our portfolio managers may have personal investments in assets related to those managed on behalf of clients
• We maintain policies and procedures to identify, manage, and mitigate conflicts of interest

6. Custody and Asset Protection

Client assets are held in segregated accounts separate from the Company's operating funds. Cryptocurrency assets are custodied by regulated, institutional-grade custodians with insurance coverage. Real estate assets are held through special purpose vehicles (SPVs) with clear ownership structures. Agricultural investments are managed through regulated commodity pools or direct land ownership entities.

7. Regulatory Status

Spry & Hodler Investment Group operates under the regulatory oversight applicable to our business activities in each jurisdiction where we provide services. Our regulatory registrations and licenses are maintained in good standing and available for verification upon request.

Our services may not be available in all jurisdictions. It is your responsibility to ensure that your use of our services complies with the laws and regulations of your jurisdiction.

8. Forward-Looking Statements

Our website and materials may contain forward-looking statements regarding anticipated performance, market conditions, or business strategies. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. We undertake no obligation to update forward-looking statements.

9. Contact for Additional Information

For further disclosures or to request additional information, please contact: