Disclosures

FDIC Insurance Disclosure

Clinvesta Regional Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Deposits held in Clinvesta checking, savings, and business accounts are insured by the FDIC up to $250,000 per depositor, per insured bank, for each account ownership category.

FDIC insurance covers deposits in the event of Clinvesta Regional Bank failure. The standard insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category. Joint accounts, retirement accounts, and certain other account types may be eligible for additional coverage.

Investment products, including our Bronze, Silver, and Gold investment plans, are NOT deposits, are NOT insured by the FDIC or any other government agency, are NOT guaranteed by Clinvesta Regional Bank, and are subject to investment risk including possible loss of principal.

Investment Risk Disclosure

All investment products offered through Clinvesta carry inherent risks. Before investing, you should carefully consider your investment objectives, risk tolerance, time horizon, and financial situation.

The projected returns displayed for each investment plan are based on historical performance and are not guarantees of future results. Actual returns may differ materially from projected returns.

Capital protection applies to the return of your original principal at the end of the investment cycle. It does not guarantee investment returns or protect against the loss of returns. Capital protection is subject to the financial condition of Clinvesta Regional Bank.

You should not invest money that you cannot afford to lose or that you may need access to before the maturity of your investment plan.

Equal Housing Lender

Clinvesta Regional Bank is an Equal Housing Lender. We do not discriminate in lending on the basis of race, color, national origin, religion, sex, familial status, or disability.

All loan and mortgage products are subject to credit approval, income verification, and applicable regulatory requirements. Terms and conditions vary based on individual financial profiles.

Anti-Money Laundering (AML) Disclosure

Clinvesta Regional Bank maintains a comprehensive Anti-Money Laundering program in compliance with the Bank Secrecy Act and applicable regulations. We are required to verify the identity of all customers and may request additional documentation at any time.

We are required by law to report suspicious activity to the Financial Crimes Enforcement Network (FinCEN) and other relevant authorities. We may be prohibited by law from informing you if we have filed a suspicious activity report.

Transactions that appear inconsistent with a customer's stated financial profile or that exhibit indicators of money laundering, fraud, or terrorist financing may be delayed, blocked, or reported to authorities.

Electronic Communications Disclosure

By opening a Clinvesta account, you consent to receive electronic communications including account statements, notices, disclosures, and regulatory documents via email. You have the right to receive paper copies of any electronic communication upon request.

To receive electronic communications, you must have a valid email address and a device capable of accessing and retaining electronic documents. You are responsible for keeping your email address current.

Fees and Charges Disclosure

Clinvesta is committed to transparent pricing. All fees applicable to your account type are disclosed in our current fee schedule. Fee schedules are available upon request and are updated periodically with 30 days' advance notice to customers.

Withdrawal processing fees, where applicable, are disclosed before completion of the withdrawal request. You will be informed of any charges before they are applied to your account.

Cryptocurrency and Digital Assets

Clinvesta currently accepts Bitcoin (BTC) as a method of deposit. Cryptocurrency transactions are irreversible once confirmed on the blockchain. Clinvesta is not responsible for losses resulting from incorrect wallet addresses or unauthorized transfers.

Cryptocurrency values are highly volatile. The dollar value of any cryptocurrency deposit at the time of confirmation may differ materially from the value at the time of initiation.

Clinvesta does not provide cryptocurrency investment advice and is not responsible for changes in the value of cryptocurrency assets.

Contact for Regulatory Inquiries

For questions regarding these disclosures or your regulatory rights as a Clinvesta customer, please contact our Compliance Department at support@clinvesta.com or write to 14 Finance Boulevard, New York, NY 10004, United States.