Regulatory Information

1. Regulatory Status and Authorisation

Greenwealth Agrotech Limited ("Greenwealth") is incorporated in the Abu Dhabi Global Market (ADGM) and is authorised and regulated by the Financial Services Regulatory Authority (FSRA) of the ADGM to conduct the following Regulated Activity:

2. Governing Regulatory Framework

Greenwealth's operations are governed by the following principal legislation and rules, as amended from time to time:

Primary Legislation

• Abu Dhabi Global Market Financial Services and Markets Regulations 2015 (FSMR)
• ADGM Companies Regulations 2020
• ADGM Anti-Money Laundering and Countering Financing of Terrorism Regulations 2019
• ADGM Data Protection Regulations 2021

FSRA Rules and Guidance

• FSRA Crowdfunding Rulebook (CROWD)
• FSRA Conduct of Business Rulebook (COBS)
• FSRA General Rulebook (GEN)
• FSRA Anti-Money Laundering and Sanctions Rules and Guidance (AML)
• FSRA Client Assets Rulebook (CASS)
• FSRA Fees Rules (FEES)

3. Supervisory Authority

Greenwealth is supervised by the Financial Services Regulatory Authority (FSRA) of the Abu Dhabi Global Market. The FSRA is an independent financial services regulator established under the ADGM Financial Services and Markets Regulations. The FSRA's contact details are:

4. Client Money and Asset Protection

Greenwealth holds investor funds in segregated client money accounts in accordance with the FSRA Client Assets Rulebook (CASS). Key features of our client money arrangements are:

• Investor funds are held in one or more designated client money accounts at an FSRA-approved or UAE Central Bank-regulated credit institution;
• Client money is legally segregated from Greenwealth's own funds and cannot be used to satisfy Greenwealth's operating expenses or creditor claims;
• Investor funds are only transferred to project owners upon successful completion of a fundraising round; and
• In the event of Greenwealth's insolvency, client money will be distributed to investors in accordance with the CASS Rules under the supervision of a Resolution Administrator.

5. Complaints Procedure

5.1 Internal Complaints Process

If you have a complaint about our services, please contact us in the first instance:

Our Complaints Handling Procedure is available on the Platform and describes the full process, escalation routes, and your rights at each stage.

5.2 Referral to the FSRA

If you are a Retail Investor and remain dissatisfied after completing our internal complaints process, or if we have not responded within 30 business days, you may refer your complaint to the Financial Services Regulatory Authority (FSRA) at the contact details set out in Section 3 above.

The FSRA does not adjudicate all consumer complaints but will consider whether our conduct has been in compliance with applicable regulations. The FSRA does not operate a financial ombudsman scheme equivalent to those found in some other jurisdictions.

6. Financial Promotions and Marketing

All investment promotions issued by or on behalf of Greenwealth comply with the requirements of the FSRA Conduct of Business Rulebook (COBS) including rules on fair, clear, and not misleading communications. Greenwealth will not make cold calls or send unsolicited marketing communications without your consent.

Any forward-looking statements, projections, or past performance figures included in marketing materials are accompanied by appropriate risk warnings and disclaimers. Past performance is not a reliable indicator of future results.

7. Resolution Plan

In accordance with the FSRA Crowdfunding Rulebook, Greenwealth maintains a Resolution Plan ("Wind-Down Plan") that describes how existing investor positions and client money would be managed in the event of platform closure or insolvency. Key elements include:

• Appointment of a Resolution Administrator approved by the FSRA;
• Continued maintenance of investment records for the duration of all outstanding investment obligations;
• Return of uninvested client money to investors within a defined timeframe;
• Ongoing servicing of loan book obligations (for loan-based crowdfunding) by the Resolution Administrator; and
• Notification to all investors of platform closure and their options.

A summary of the Resolution Plan is available upon request from compliance@greenwealthagro.net.

8. Conflicts of Interest Policy

Greenwealth maintains a Conflicts of Interest Policy in accordance with FSRA COBS requirements. A summary of identified conflicts and our management procedures is available on the Platform. The principal conflicts identified are:

• Commercial incentives arising from fee arrangements with both investors and project owners;
• Potential investments by Greenwealth personnel in platform-listed projects; and
• Relationships between Greenwealth and affiliated service providers.

All material conflicts are disclosed in project-specific documentation. Greenwealth maintains an independent Project Assessment Committee to review project listings without commercial bias.

9. Regulatory Capital

Greenwealth maintains minimum regulatory capital in accordance with the FSRA's capital adequacy requirements for Category 3C firms. We are required to hold capital equal to the higher of: (a) the applicable Base Capital Requirement; or (b) an Expenditure-Based Capital Minimum calculated by reference to our annual operating expenditure. We confirm that as at the date of this document, Greenwealth meets its regulatory capital requirements.

10. Important Regulatory Notices

The Greenwealth Platform is not a bank, deposit-taking institution, or securities exchange. It does not accept deposits, and no interest is paid on uninvested funds held in client accounts. Greenwealth is not a party to any investment agreement between investors and project owners except as expressly stated.

11. Applicable Laws on Investor Protection

In addition to FSRA regulation, investors in the ADGM benefit from the following protections:

• Right to bring civil claims in the ADGM Courts under the FSMR;
• ADGM Data Protection Regulations governing the use of personal data;
• Consumer protection principles embedded in the FSRA Conduct of Business Rulebook; and
• Anti-money laundering protections under ADGM AML Regulations.

12. Document Register

This Legal Pack comprises the following documents, each forming part of the overall terms applicable to your use of the Greenwealth Platform:

In the event of any conflict or inconsistency between these documents, the order of precedence shall be: (1) Regulatory Information; (2) Terms of Use; (3) Full Risk Disclosure; (4) Risk Warning; (5) Privacy Policy; (6) Cookies Policy, unless expressly stated otherwise in a specific provision.