I.LENDER DISCLOSURE

Please carefully consider Roza Capital Group, LLC’s investment objectives, risks, and associated costs or expenses before investing. Real estate investments are not guaranteed or insured and past performance is not a guarantee of future performance. Please ask questions and ask for more information before you consider any investment.

Determine Your Investment Strategy and Timeframe – Many factors should be considered before you make any investment. Real estate investing requires a clear understanding of your risk tolerance. You should also determine if you will require periodic investment returns or if you can wait to gain a potentially greater return on investment by waiting for a property to sell. Go into this or any other investment with clarity and confidence, after asking questions and getting answers that deal with your personal investment goals.

Be Confident In Whom You Work With – The old adage is true, trust but verify. Be sure that the company you entrust your real estate investment money to has a track record of success and living up to its claims. Remember that past performance is not a guarantee of future success. Your investment is not guaranteed and is not insured. A lack of past performance is also something to be concerned about. Remember that any investment is made up of risks and returns.

You Are Buying a Business – Investing in real estate carries with it a great potential for creating wealth and some risk factors. These include, but are not limited to, rising interest rates, increases in the costs of rehabbing properties, a softening in the real estate market, the failure of renters to pay rent on a timely basis, and other factors. Other risks, such as fire or title problems, can be insured against. If you wish to exit your investment early, you should be aware that a replacement investor will have to be found and the amount of time that will take may vary.

Invest with a Professional – The company you work with should know what they are doing and look under every rock! They should be hands-on and understand all the important aspects of finding, choosing, investing in, and selling real estate. Even the most professional company is run by humans and there may be mistakes made. Mistakes may increase costs and you should be prepared for this possibility. A track record of sound business judgment is something you should insist upon when you invest.

Failing to Have Adequate Insurance – Investment property brings liability. Adequate insurance coverage is an absolute must! Be sure that the company you invest with obtains adequate insurance for its investment properties.

Document Your Investment – Ask about what kind of documentation the company provides. Do they offer a promissory note that details the investment you are making with them? Do they offer you a first or second mortgage on a specific investment property? Do they file the transaction with the appropriate real estate registry?

These steps do not guarantee a profit, but they are all important in operating a successful real estate investment business. It’s all part of documenting who owns what and what everyone’s rights and responsibilities are. Investment property can be one of the most rewarding aspects of your financial portfolio. Be certain to have all your ducks in a row before you invest. Do your homework and work with professionals upon whom you can rely.

II.EDUCATIONAL DISCLAIMER

Financial Outlook Disclaimer:

Any/all informational brochures, websites, booklet, webinars, and, but not limited to, presentations, contain forward-looking statements relating to the business and financial outlook of Roza Capital Group, LLC that are based on its management’s current expectations, estimates, forecasts and projections and are not guarantees of future performance. Actual results may differ materially from those expressed in these forward-looking statements, and you should not place undue reliance on any such statements. A number of important factors could cause actual results to differ materially from the forward-looking statements contained in the informational education. Forward-looking statements in any/all documents speak only as of the date on which such statements were made, and we undertake no obligation to update any such statements that may become untrue because of subsequent events. We claim the safe harbor protection from forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.
III.DISCLAIMER

State & Federal Securities Disclaimers:

i.This is not an offer to sell securities. This is not an offer or invitation to sell or a solicitation of any offer to purchase any securities in the United States or any other jurisdiction. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and fully understanding such documents. Roza Capital Group, LLC and its affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be. This information should be construed as informational and not as an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance with the securities act of 1933 or any state securities laws.

IV.EARNINGS AND INCOME DISCLAIMERS

We request that you carefully read this:

ANY EARNINGS OR INCOME STATMENTS, OR EARNINGS OR INCOME EXAMPLES, ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU'LL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

WHERE SPECIFIC INCOME FIGURES ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSON OR BUSINESSES HAVE EARNED THAT AMOUNT. THERE IS NO ASSURANCE YOU'LL DO AS WELL. IF YOU RELY UPON OUR FIGURES; YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

ANY AND ALL CLAIMS OR REPRESENTATIONS, AS TO INCOME EARNINGS, ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS. TESTIMONIALS ARE NOT REPRESENTATIVE.

THERE CAN BE NO ASSURANCE THAT ANY PRIOR SUCCESS, OR PAST RESULTS, AS TO INCOME EARNINGS, CAN BE USED AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS.

MONETARY AND INCOME RESULTS ARE BASED ON MANY FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR WORK ETHIC, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL DO AS WELL, OR MAKE ANY MONEY AT ALL. THERE IS NO ASSURANCE YOU WILL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

REAL ESTATE BUSINESSES AND EARNINGS DERIVED THEREFROM, HAVE UNKNOWN RISKS INVOLVED, AND ARE NOT SUITABLE FOR EVERYONE. MAKING DECISIONS BASED ON ANY INFORMATION PRESENTED IN OUR PRODUCTS, SERVICES, OR WEB SITE, SHOULD BE DONE ONLY WITH THE KNOWLEDGE THAT YOU COULD EXPERIENCE SIGNIFICANT LOSSES, OR MAKE NO MONEY AT ALL. ONLY RISK CAPITAL SHOULD BE USED.

ALL PRODUCTS AND SERVICES BY OUR COMPANY ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. USE CAUTION AND SIK THE ADVICE OF QUALIFIED PROFESSIONALS. CHECK WITH YOUR ACCOUNTANT, LAWYERS OR PROFESSIONAL ADVISER, BEFORE ACTING ON THIS OR ANY INFORMATION.

USERS OF OUR PRODUCTS, SERVICES AND WEB SITE ARE ADVISED TO DO THEIR OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND ALL INFORMATION, PRODUCTS, AND SERVICES THAT HAVE BEEN PROVIDED SHOULD BE INDEPENDENTLY VERIFIED BY YOUR OWN QUALIFIED PROFESSIONALS. OUR INFORMATION, PRODUCTS, AND SERVICES ON THIS WEB SITE SHOULD BE CAREFULLY CONSIDERED AND EVALUATED, BEFORE REACHING A BUSINESS DECISION, ON WHETHER TO RELY ON THEM. ALL DISCLOSURES AND DISCLAIMERS MADE HERIN OR ON OUR SITE, APPLY EQUALLY TO ANY OFFERS, PRIZES, OR INCENTIVES, THAT MAY BE MADE BY OUR COMPANY.

YOU AGREE THAT OUR COMPANY IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR BUSINESS DECISIONS RELATING TO ANY INFORMATION PRESENTED BY OUR COMPANY, OR OUR COMPANY PRODUCTS OR SERVICES.