Financial Disclaimer

Effective Date:

August 18, 2025

This Financial Disclaimer provides important information about the financial services and investment content provided by Ladder Stone Group USA LLC ("LadderStone"). Please read this disclaimer carefully before using our services or relying on any financial information provided on our website.

1. Not a Broker-Dealer or Investment Adviser

IMPORTANT: LadderStone Group USA LLC is NOT a registered broker-dealer, investment adviser, or financial institution under U.S. federal or state laws.

• Securities Services: Securities brokerage services are provided exclusively through JonesTrading Institutional Services LLC, a registered broker-dealer and member of FINRA/SIPC.

• No Investment Advice: LadderStone does not provide investment advice, recommendations, or guidance on specific securities or investment strategies.

• Advisory Services: Any investment advisory services are provided through appropriately registered third-party advisers.

2. Forward-Looking Statements (Safe Harbor)

This website may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to:

• Projections of revenues, income, earnings, or other financial items
• Statements of plans and objectives for future operations
• Statements of future economic performance
• Statements regarding digital asset markets or trends

Risk Warning: Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those projected. Past performance is not indicative of future results.

3. Digital Assets and Cryptocurrency Risks

⚠️ HIGH RISK WARNING ⚠️
Digital assets involve substantial risk and may not be suitable for all investors.

Key Risks Include:

• Extreme Volatility: Digital asset values can fluctuate dramatically, resulting in total loss of investment
• Regulatory Risk: Changing regulations may affect the legality, taxation, or value of digital assets
• Technology Risk: Blockchain and cryptocurrency technologies are relatively new and may contain unknown vulnerabilities
• Market Risk: Digital asset markets operate 24/7 with limited regulatory oversight
• Custody Risk: Loss or theft of private keys may result in permanent loss of assets
• Liquidity Risk: Some digital assets may become difficult or impossible to sell

Important: You should never invest more than you can afford to lose entirely. Digital assets are speculative investments and should only represent a small portion of a diversified portfolio.

4. No Fiduciary Relationship

Unless explicitly stated otherwise in a written agreement:

• LadderStone does not act as a fiduciary to any client or prospect
• No advisory relationship is created by accessing this website or its content
• Users are responsible for their own investment decisions
• Independent professional advice should be sought before making investment decisions

5. Compliance with Local Laws

This website and its services may not be available in all jurisdictions. Users are responsible for determining whether their use of this website and any related services complies with applicable local laws and regulations. LadderStone makes no representation that the information or services described herein are appropriate or available for use in all jurisdictions.

6. Third-Party Content Disclaimer

This website may contain links to third-party websites or reference third-party services, data, or opinions:

• LadderStone does not endorse or guarantee the accuracy of third-party content
• Third-party links are provided for convenience only
• Users access third-party content at their own risk
• LadderStone is not responsible for the availability or content of linked sites

7. Regulatory Contact Information

For regulatory inquiries or complaints regarding securities services:

JonesTrading Institutional Services LLC

FINRA Member | SIPC Member

Registered Broker-Dealer

FINRA:

• Website: www.finra.org

• BrokerCheck: Available at FINRA.org

SIPC:

• Website: www.sipc.org

• Phone: 202-371-8300

FINAL IMPORTANT NOTICE

This disclaimer does not constitute legal, tax, or investment advice. All users should consult with qualified professionals before making any financial decisions. By using this website, you acknowledge that you have read, understood, and agree to be bound by this Financial Disclaimer.

LadderStone is not a registered broker-dealer. Securities services via JonesTrading (FINRA/SIPC).

Digital assets involve substantial risk. Not investment advice.

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