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Disclosures

Fudex DAO, LLC — a Wyoming Corporation Last updated: June 10, 2026 Version 1.0
1. General disclosures 2. No advice or recommendation 3. Market & price risk 4. Liquidity & P2P risk 5. NAV, premiums & discounts 6. Blockchain & technology risk 7. Custody & registrar 8. Regulatory status 9. FUDEX Card disclosures 10. Fee disclosures 11. Tax 12. Geographic restrictions 13. Complaints

1.General disclosures

This page summarizes the principal risks and regulatory characteristics of using FUDEX.IO, operated by Fudex DAO, LLC, a Wyoming Corporation ("FUDEX"). It supplements — and should be read together with — our Terms of Service and Privacy Notice.

Securities involve risk, including possible loss of principal. Only invest what you can afford to lose, and consider whether tokenized funds are suitable for your circumstances.

2.No advice or recommendation

Nothing on FUDEX.IO — including fund pages, market data, charts, premiums/discounts, reputation metrics, or educational material — is investment, legal, accounting or tax advice, or a recommendation or solicitation to buy, sell or hold any security or to pursue any trading strategy. Listing a fund is not an endorsement of its merits. FUDEX does not act to influence the price of any token it lists.

3.Market & price risk

  • The value of a tokenized fund rises and falls with its underlying assets — equities, real estate, or money-market instruments.
  • Income distributions (dividends, interest) are not guaranteed and may change.
  • Even a money-market fund targeting a stable $1.00 NAV can lose value in stressed conditions.
  • Past performance, including charts shown on the platform, does not predict future results.

4.Liquidity & P2P risk

FUDEX.IO is a peer-to-peer market: you trade by accepting another member's offer or posting your own. There is no market maker and no central order book. As a result:

  • Liquidity depends entirely on open member offers and may be thin or absent at any time.
  • You may be unable to sell promptly, or only at prices below oracle NAV.
  • Escrow settlement depends on counterparties completing within their stated window; disputed escrows may take time to resolve.
  • Settled on-chain trades are final and cannot be reversed.

5.NAV, premiums & discounts

An oracle publishes each fund's net asset value on-chain. P2P prices are set by members and can trade above (premium) or below (discount) NAV. The oracle may lag the underlying fund's official NAV, especially outside market hours or during volatility. Premiums and discounts shown on the platform are informational and may change at any moment.

6.Blockchain & technology risk

  • Irreversibility. On-chain settlement is permanent; transfers cannot be undone.
  • Smart-contract risk. Escrow and token contracts may contain defects or be exploited despite audits.
  • Network risk. Congestion, forks or outages of the underlying blockchain can delay settlement.
  • Key management. Although ownership is recoverable through the registrar's identity-verified process, losing your credentials can delay access to your assets.
  • Oracle risk. NAV feeds can be delayed, interrupted or incorrect.

7.Custody & registrar

Tokens on FUDEX.IO are book-entry securities. FUDEX tokenizes each fund 1:1 and lists it on the platform; underlying shares are held in segregated custody accounts, and Empire Stock Transfer, an SEC-approved transfer agent, maintains the master ownership registry as custodian of record. On-chain balances are continuously reconciled against that registry. Mint and burn are authorized only by the transfer-agent wallet — token supply cannot change without a matching registry record.

Your assets are not bank deposits. They are not insured by the FDIC, and account balances are not covered by SIPC or similar investor-compensation schemes unless expressly stated.

8.Regulatory status

The regulatory treatment of tokenized securities continues to develop and differs by jurisdiction. FUDEX's status, and the protections available to you, vary depending on where you live, and you may not be protected by government compensation or regulatory protection schemes available for other financial products. Future changes in law or regulation could affect the operation of the platform, the transferability of tokens, or the availability of the Services in your jurisdiction.

9.FUDEX Card disclosures

  • Card payments trigger a just-in-time redemption of your selected fund balance at oracle NAV — spending reduces your invested position.
  • Spending may be a taxable event (see Section 11).
  • Cashback rates depend on your average balance held and may change; cashback is paid in fund tokens whose value fluctuates.
  • Card issuance, eligibility and limits are subject to separate cardholder terms and geographic restrictions. Third-party ATM fees may apply.

10.Fee disclosures

FUDEX charges a flat 0.20% fee on each settled P2P trade, displayed before you confirm. Minting at NAV carries no platform fee. Banking partners, card networks and ATM operators may impose their own charges. Fees are subject to prospective change with notice under the Terms of Service.

11.Tax

Trading, redeeming, receiving distributions or cashback, and spending with the FUDEX Card can each create tax consequences, including capital gains or losses and taxable income. Tax may be payable on any return and on any increase in the value of your holdings. FUDEX does not provide tax advice — consult an independent advisor about your individual position. We provide transaction records and may issue tax forms where required by law.

12.Geographic restrictions

The Services are available only to residents of supported jurisdictions, and individual features (including the FUDEX Card and specific funds) may be restricted further. Eligibility is confirmed during identity verification and reviewed on an ongoing basis. Using a VPN or other means to misrepresent your location violates the Terms of Service and can result in account closure.

13.Complaints

If something goes wrong, contact us first — most issues are resolved by support within days:

  • In-app: Account → Customer Support → New ticket
  • Email: complaints@fudex.io
  • Mail: Fudex DAO, LLC — Complaints, Sheridan, Wyoming, USA

We acknowledge complaints promptly, investigate, and respond with our findings. If you remain unsatisfied, you may have the right to refer the matter to a regulator or dispute-resolution body in your jurisdiction.

FUDEX.IO

Tokenized real-world funds, traded peer-to-peer and recorded by an SEC-approved transfer agent.

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© 2026 Fudex DAO, LLC. — a Wyoming Corporation.

Tokens are ERC-3643 permissioned book-entry securities; mint/burn is authorized only by the transfer-agent wallet. Ownership is recorded by Empire Stock Transfer (SEC-approved registrar) and mirrored on-chain. This is not investment advice. Securities involve risk, including possible loss of principal. Trading available to verified, whitelisted users only.