READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE LOCATED AT divesenterprises.com ("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.

DIVES ENTERPRISES HOLDINGS OÜ RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. WE SUGGEST THAT YOU REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.

Important Notice

Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance, or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by Dives Enterprises Holdings OÜ ("Dives Enterprises") or its affiliates to buy or sell any securities, futures, options, or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold Dives Enterprises, its officers, directors, employees, affiliates, agents, licensors, and suppliers harmless against any and all claims, losses, liability, costs, and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms, or from any decisions that the visitor makes based on such information.

The investments and strategies discussed on the Website may not be suitable for all investors and are not obligations of Dives Enterprises or its affiliates or guaranteed by Dives Enterprises or its affiliates. Dives Enterprises makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the Website, Dives Enterprises does not represent that any investment vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.

All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Fixed income investments are subject to risk including interest rate, credit, market, and issuer risk. Currency exchange rates may cause the value of an investment to go up or down. Alternative strategies involve higher risks than traditional investments, may not be tax efficient, and have higher fees than traditional investments; they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. BEFORE ACQUIRING SHARES IN A HOLDING COMPANY, WHICH MAY REPRESENT STOCK OR EQUITY IN ITS SUBSIDIARIES OR OTHER HOLDING COMPANY ASSETS, IT IS YOUR RESPONSIBILITY TO READ THE COMPANY'S PROSPECTUS OR OFFERING MATERIALS.

This Website is for information purposes only and is not intended to be relied upon as a forecast, research, or investment advice. The information on this Website does not constitute a recommendation, offer, or solicitation to buy or sell any securities or to adopt any investment strategy. Although this material is based upon information that Dives Enterprises considers reliable and endeavors to keep current, Dives Enterprises does not assure that this material is accurate, current, or complete, and it should not be relied upon as such. Any opinions expressed on this Website may change as subsequent conditions vary. Past performance is no guarantee of future results.

The information and services provided on this Website are provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, Dives Enterprises disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. Dives Enterprises does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links, or other items contained on this Website and does not warrant that the functions contained in this Website will be uninterrupted or error-free, that defects will be corrected, or that the Website will be free of viruses or other harmful components. Dives Enterprises expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.

Fund and Advisor Disclosures

Investments in a Dives Enterprises product or client account are not bank deposits and are not insured or guaranteed by Dives Enterprises or the Federal Deposit Insurance Corporation, any other government agency, or any bank. Please carefully consider a fund's investment objective, risks, charges, and expenses before investing. For this and other information, call or write to Dives Enterprises for a free prospectus or view one online. Read it carefully before you invest or send money.

Dives Enterprises Holdings OÜ ("DEH")

DEH, a private limited company based in Estonia, specializes in providing asset management services. DEH offers a range of investment options tailored for qualified institutional investors, including diversified portfolios and bespoke investment strategies. The company operates under the regulatory oversight of the European Financial Supervision Authority, ensuring compliance with national and EU financial regulations. Investments managed by DEH are not bank deposits and are not insured or guaranteed by the Estonian Guarantee Fund (Tagatisfond), any other government agency, or Dives Enterprises and its affiliates. Potential investors are advised to carefully evaluate the investment objectives, risks, charges, and expenses associated with DEH-managed funds before investing. DEH’s investment vehicles are exclusively available to qualified institutional investors and are not offered to the general public; prospectuses are not published, and prices are not listed in local publications. For more information, please contact your DEH account manager or visit divesenterprises.com.

SEC Materials

Certain information provided through this Website has been filed with the Securities and Exchange Commission ("SEC") (such materials being referred to as "SEC Materials"). The SEC Materials and other public disclosures contained on this Website contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act, with respect to Dives Enterprises Holdings OÜ's future financial or business performance, strategies, or expectations. Forward-looking statements are typically identified by words or phrases such as "trend," "potential," "opportunity," "pipeline," "believe," "comfortable," "expect," "anticipate," "current," "intention," "estimate," "position," "assume," "outlook," "continue," "remain," "maintain," "sustain," "seek," "achieve," and similar expressions, or future or conditional verbs such as "will," "would," "should," "could," "may" or similar expressions.

In addition to risk factors previously disclosed in SEC Materials and those identified elsewhere in this Website, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance:

• the introduction, withdrawal, success, and timing of business initiatives and strategies;
• changes and volatility in political, economic, or industry conditions, the interest rate environment, foreign exchange rates, or financial and capital markets, which could result in changes in demand for products or services or in the value of assets under management;
• the relative and absolute investment performance of Dives Enterprises Holdings OÜ's investment products;
• the impact of increased competition;
• the impact of future acquisitions or divestitures;
• the unfavorable resolution of legal proceedings;
• the extent and timing of any share repurchases;
• the impact, extent, and timing of technological changes and the adequacy of intellectual property and information security protection;
• the impact of legislative and regulatory actions and reforms, and regulatory, supervisory, or enforcement actions of government agencies relating to Dives Enterprises Holdings OÜ;
• terrorist activities, international hostilities, and natural disasters, which may adversely affect the general economy, domestic and local financial and capital markets, specific industries, or Dives Enterprises Holdings OÜ;
• the ability to attract and retain highly talented professionals;
• fluctuations in the carrying value of Dives Enterprises Holdings OÜ's economic investments;
• the impact of changes to tax legislation, including income, payroll, and transaction taxes, and taxation on products or transactions, which could affect the value proposition to clients and, generally, the tax position of the Company;
• Dives Enterprises Holdings OÜ's success in maintaining the distribution of its products;
• the impact of Dives Enterprises Holdings OÜ electing to provide support to its products from time to time and any potential liabilities related to securities lending or other indemnification obligations;
• the impact of problems at other financial institutions or the failure or negative performance of products at other financial institutions.

Dives Enterprises Holdings OÜ's latest Annual Report on Form 10-K and subsequent reports filed with the SEC, accessible on the SEC's website at www.sec.gov and on this Website, discuss these factors in more detail and identify additional factors that can affect forward-looking statements.

Trademarks, Copyrights, and other Intellectual Property

The content on this Website is owned or licensed by Dives Enterprises Holdings OÜ and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. This content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame, or deep link this Website, including any text, graphics, video, audio, software code, user interface design, or logos. You may download material displayed on this Website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without Dives Enterprises Holdings OÜ's written permission. Modification or use of the materials for any other purpose violates Dives Enterprises Holdings OÜ's intellectual property rights.

• All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to Dives Enterprises Holdings OÜ and/or their respective owners. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of Dives Enterprises Holdings OÜ or such other third party that may own the trademark displayed on this Website. Your use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.
• The use of the images displayed on this Website by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

For any inquiries or permissions, please contact us at [email protected].

Links to Other Websites

Dives Enterprises Holdings OÜ ("Dives Enterprises") may provide links on this website to one or more websites operated by third parties. Dives Enterprises exercises no control over the content of such other websites or the products/services offered therein. The presence of any such links does not imply an endorsement by Dives Enterprises of the websites, their contents, the products or services offered, or the operators of those websites. Your decision to access and utilize such linked websites is governed by their respective terms of use and privacy policies, and you do so at your own discretion and risk. Dives Enterprises disclaims any responsibility for the privacy policies and practices of third-party websites linked from our website.

Links to Dives Enterprises from Other Websites

You are prohibited from displaying hyperlinks on your websites to any website owned or operated by Dives Enterprises without prior written authorization. If you wish to include a hyperlink to a Dives Enterprises website on your own site, you must enter into a written agreement with Dives Enterprises governing such hyperlink usage. Accessing any Dives Enterprises website does not grant you the right to use any of Dives Enterprises' names, logos, trademarks, or copyrighted material without explicit written consent. Requests to display hyperlinks to Dives Enterprises websites on your websites should be directed to [email protected].

Transmissions to and From this Website

Electronic communications are susceptible to interception by third parties; therefore, transmissions to and from this website may not be secure. Communications to Dives Enterprises, particularly those containing confidential information, should be sent by mail to: Dives Enterprises Holdings OÜ, Tornimäe 7, 10145 Tallinn, ESTONIA, Attn: Webmaster. Dives Enterprises reserves the right to utilize, for any purpose, any ideas, concepts, know-how, or techniques provided by website users through this website. You acknowledge that Dives Enterprises has granted you limited access to specific files related to Dives Enterprises Holdings OÜ and agree not to attempt to access unauthorized computer files. Dives Enterprises makes no warranties regarding the security of this website, including the potential for unauthorized individuals to access information transmitted through it. Dives Enterprises reserves the right to discontinue or modify this website and its content at any time without notice.

Account and Transaction Information on this Website

Certain clients of Dives Enterprises may access account information, including transactions, through this website. Unless otherwise stated, such account information is unaudited and may be based on estimates. Do not base investment decisions solely on this information, as it is subject to change.

Privacy Policy

Please take a moment to review our Privacy Policy, which is an integral part of this Agreement and is hereby incorporated by reference. Our Privacy Policy outlines our information collection practices and the measures we undertake to safeguard the privacy and security of your information.

Email and Marketing

By completing the registration process to access our website or services, you are granting Dives Enterprises Holdings OÜ permission to send you email communications for marketing and general communication purposes to the email address provided. You may opt out of these communications at any time by following the instructions provided in the email.

Jurisdiction and Governing Law

The information provided on our website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would contravene any law or regulation or subject Dives Enterprises Holdings OÜ or its affiliates to any registration requirement within such jurisdiction or country. Each product or service referenced on our website is intended for availability to U.S. residents unless otherwise specified. Accessing our website from locations outside the United States may be at your own risk, and you are responsible for compliance with local laws.

• The Terms are governed by the laws of the Republic of Estonia without regard to its conflict of law provisions.
• Any legal action relating to these Terms shall be exclusively brought in the courts of Tallinn, Estonia, and you consent to the jurisdiction of such courts for the purpose of resolving any disputes with Dives Enterprises Holdings OÜ.

Limitation of Liability

DIVES ENTERPRISES HOLDINGS OÜ, ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES, OR DAMAGES RESULTING FROM THE USE OR LOSS OF USE OF OUR WEBSITE), EVEN IF DIVES ENTERPRISES HOLDINGS OÜ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE CLAIM IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS.

IF YOU ARE A RESIDENT OF A JURISDICTION THAT DOES NOT PERMIT THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Broker-Dealer's Potential Conflicts

As a holding company, Dives Enterprises Holdings OÜ, and/or its affiliates (including any entities that are "affiliates" as that term is defined in relevant legal frameworks) may engage in transactions as a principal for its own account or as an agent for its subsidiaries or clients in connection with the acquisition or divestiture of assets. If Dives Enterprises Holdings OÜ or its affiliates receive compensation, fees, or commissions in connection with any such transaction, potential conflicts of interest may arise. You acknowledge and understand this potential conflict and retain the right to conduct similar transactions through alternate channels.

Timeliness of Information

All information provided on the Dives Enterprises Holdings OÜ website is accurate only as of the date indicated and may be subject to change without notice due to subsequent market events or other factors. It is your responsibility to ensure that you are accessing the most current information available. Dives Enterprises Holdings OÜ is not liable for any losses or damages incurred due to reliance on outdated information.

Prohibited Uses

• Access to certain parts of the Dives Enterprises Holdings OÜ website is restricted and requires authentication. You agree not to attempt unauthorized access to these areas or any other protected materials;
• If you possess credentials for accessing non-public areas, you are responsible for safeguarding them. Notify Dives Enterprises Holdings OÜ immediately if you suspect any unauthorized access or misuse of your credentials.
• Use this Website in any manner that could damage or overload any server utilized by Dives Enterprises Holdings OÜ, or any network connected to such servers;
• Disrupting or interfering with the use of the Dives Enterprises Holdings OÜ website by others;
• Misusing any trademarks, trade names, or proprietary information owned by Dives Enterprises Holdings OÜ;
• Employing any automated tools or manual processes to scrape, monitor, or duplicate content from the Dives Enterprises Holdings OÜ website without explicit written permission;
• Creating the impression of affiliation, sponsorship, or endorsement by Dives Enterprises Holdings OÜ without authorization.

Unauthorized Use of Content

By accessing the Dives Enterprises Holdings OÜ website, you agree to indemnify and hold harmless Dives Enterprises Holdings OÜ, its affiliates, and their respective officers, directors, employees, and agents from any losses, damages, claims, liabilities, or costs arising from your unauthorized or inappropriate use of the website content or materials.

For further inquiries or to report any issues regarding compliance, please contact us at [email protected].

System Outages And Incomplete Transmissions

INTERNET SOFTWARE OR TRANSMISSION PROBLEMS MAY PRODUCE INACCURATE OR INCOMPLETE COPIES OF INFORMATION AND MATERIALS THAT MAY BE DOWNLOADED AND DISPLAYED ON A USER'S COMPUTER. DIVES ENTERPRISES HOLDINGS OÜ IS NOT LIABLE FOR ANY DAMAGES, CHANGES, OR OMISSIONS THAT OCCUR DURING TRANSMISSION OF INFORMATION AND MATERIALS.

Termination

Dives Enterprises Holdings OÜ may terminate your access to the Website for any reason, without prior notice.

Waiver

No waiver by Dives Enterprises Holdings OÜ of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.

Integration and Severability

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

The preceding Terms of use represent the entire agreement between Dives Enterprises Holdings OÜ and the user relating to the subject matter herein.