Financial Commitment Agreement

1. Parties and project

This Financial Commitment Agreement ("Agreement") is between you ("Participant", "you") and ShareVillage ("Platform") regarding your pledge toward a specified property project listed on the Platform ("Project").

The Project name, property, selected home (unit), and commitment amount are shown on the confirmation screen before you accept.

The legal entity that will acquire the property (typically a special-purpose vehicle, "SPV") will be identified in the buyer approval pack before completion. You contract with the Platform for platform services; acquisition documents will be presented separately for approval.

2. Nature of a commitment

A commitment is a conditional pledge of funds toward the collective acquisition of the Project property. It is not a completed purchase of real estate.

Legal ownership transfers only after: (a) the funding threshold is reached, (b) due diligence is completed, (c) project legal documents are approved by you and other participants, and (d) completion at the notary or equivalent.

• This is collective home ownership, not a financial investment.
• No financial return is promised.
• ShareVillage does not hold your funds directly.

3. Payment partner and safeguarding

Financial commitments are processed through a regulated payment partner (currently intended: Mangopay or equivalent EMI). You must complete identity verification as required by the payment partner.

Funds are held in segregated accounts under the payment partner's terms until release conditions are met or a refund is due.

ShareVillage does not custody client money on its own balance sheet.

4. Withdrawal before funding threshold

Before the Project reaches its minimum funding threshold (as shown on the Platform), you may withdraw your financial commitment in full, subject to a processing period of up to 14 business days and any fees charged by the payment partner.

5. After funding threshold

Once the funding threshold is reached, commitments become locked pending due diligence and preparation of the acquisition structure.

Withdrawal may only be possible if the Project does not proceed, or as set out in the buyer approval pack and project legal documents. Conditions will be disclosed before you confirm your commitment.

6. Due diligence and approval

After the threshold is reached, independent legal and technical due diligence will be conducted on the property.

You will receive a buyer approval pack including due diligence summary, acquisition structure, unit allocation, and estimated final costs.

You must explicitly approve or decline before your funds may be released toward acquisition. If you decline within the stated window, refund rules in the approval pack apply.

7. Individual ownership and resale

The Project aims to allocate individual homes to participants. Your rights to a specific unit, shared areas, and resale are defined in the shareholders' agreement and related documents prepared by project lawyers, not in this Agreement alone.

Marketing on the Platform describes the intended model: individual ownership of your chosen home with shared management of common areas. Final terms are in the project legal pack.

8. Costs and fees

Your commitment contributes toward the total acquisition target, including property price, taxes, legal costs, ShareVillage platform fee, and reserves as shown in the cost breakdown.

Indicative figures may change after due diligence. You will not be required to increase your commitment without a new explicit approval step unless otherwise agreed in the buyer approval pack.

9. Your confirmations

By accepting, you confirm that:

• You are 18 or older and acting for yourself (or with authority if acting for an entity).
• You understand this is not an investment product and you do not expect financial returns.
• You have read the withdrawal and locking conditions.
• Funds pledged are lawful and belong to you.
• You will obtain independent legal and tax advice if you require it before approving acquisition documents.

10. ShareVillage's role

ShareVillage provides software, coordination, and milestone tracking. We are not the seller of the property and not your lawyer.

We may introduce a legal partner for the Project. Project lawyers act for the acquisition structure; you may wish to retain your own adviser.

11. If the project does not complete

If the Project fails to reach threshold, due diligence fails, required approvals are not obtained, or the seller does not complete, funds will be handled according to the payment partner rules and the buyer approval pack, typically by refund to Participants minus permitted costs disclosed in advance.

12. Liability

ShareVillage's liability in connection with this Agreement is limited to the extent permitted by law. Nothing excludes liability that cannot be excluded under mandatory consumer protection rules.

13. Governing law

Governing law and dispute resolution will be specified in the lawyer-reviewed version [PLACEHOLDER: jurisdiction]. Consumer rights in your country of residence may apply.

14. Acceptance

You accept this Agreement by checking the confirmation boxes and completing the commitment flow on the Platform. The date and time of acceptance are recorded with your account.