Corporate Registration Certificate

1. Company particulars🔗

Registered particulars

• Registered name: Farm Fresh Capitals Ltd.
• Trading name: Farm Fresh Capitals
• Company number: FFC-2024-08154
• Type: Private company limited by shares
• Date of incorporation: 12 March 2024
• Jurisdiction of incorporation: Registered in Switzerland · operating internationally through partner networks and, where required, licensed subsidiary entities.
• Financial year: 1 January to 31 December.
• Base reporting currency: United States Dollars, with member wallets supported in the currencies of operation.

Nature of the business

Farm Fresh Capitals Ltd. operates a member-facing agricultural investment platform. The platform allows members to allocate wallet balances to standardised investment plans that are underwritten, monitored and reported on by the Company. Underlying investments span row-crop and specialty agriculture, livestock, agri-technology, rural renewable energy, post-harvest infrastructure, and adjacent sleeves in real estate, foreign exchange and digital assets, all of which support the agricultural core.

The Company acts as the platform operator and, where required by local law, contracts with regulated intermediaries for the specific licensed activities of custody, payment processing, KYC verification and audit. The commercial relationship between the Company and each member is set out in the Terms of Service, and the risks a member bears in participating on the platform are described in the Risk Disclosure. Members are asked to read both documents before their first funding transaction, and are notified when either is updated.

Brand and identity

The name “Farm Fresh Capitals” and the associated logotype are trademarks owned by the Company. Domain ownership of farmfreshcapitals.com is held by the Company and administered through a recognised registrar. All member communications are sent from addresses at the farmfreshcapitals.com domain, and members are encouraged to verify sender addresses on any material communication they receive. Any use of the Company’s name or marks outside the platform is unauthorised unless licensed in writing by the Company.

2. Registered office & contact🔗

Registered office

Farm Fresh Capitals Ltd. maintains its registered office at the address on file with the registrar. Postal correspondence should be directed to the registered office. Members and counter-parties should note that day-to-day operations are managed through the Company’s digital channels, and the fastest route to a response for most enquiries is email at the addresses set out below.

Primary contact channels

• General enquiries and account support: support@farmfreshcapitals.com
• Investor and material-allocation enquiries: investors@farmfreshcapitals.com
• Partnership and operator enquiries: partners@farmfreshcapitals.com
• Legal, compliance and regulatory correspondence: legal@farmfreshcapitals.com

Service commitment

The Company’s stated service commitment is that every enquiry receives a first response within one business day. Members with an active account are encouraged to raise service issues through the in-dashboard support tab, which links the ticket to the member’s account history automatically and routes it to the appropriate team. Enquiries relating to a specific plan should reference the plan identifier so that the response can address plan-specific facts accurately.

Verification of official communications

All official communications from the Company are sent from an address at the farmfreshcapitals.com domain. The Company does not use general-purpose email providers for official correspondence, and members should treat any communication purporting to come from the Company but not sent from the farmfreshcapitals.com domain as unverified. If in doubt, members should forward the communication to legal@farmfreshcapitals.com for verification and refrain from acting on it until confirmation is received.

The Company will never ask a member to send funds to an address outside their registered wallet, disclose their password by email or telephone, or make investment decisions on their behalf without a written, dashboard-recorded instruction from the member. Any communication requesting any of the above should be treated as suspicious and reported to the Company immediately.

3. Objects & scope of business🔗

Registered objects

The Company’s registered objects, as filed with the registrar, include (without limitation):

• Origination, structuring and administration of agricultural investment plans.
• Curation of investments in farm operators, agricultural technology, post-harvest infrastructure and rural renewable energy.
• Custody and administration of member wallets, including reconciliation and reporting.
• Foreign-exchange risk management for the Company’s own book and, where separately authorised, for member wallets.
• Sourcing and administration of adjacent investment sleeves that complement the agricultural core, including a conservatively-sized digital-asset programme and a real-estate portfolio focused on food-supply infrastructure.
• Advisory, research and educational activities related to agricultural finance and rural investment.
• All ancillary activities that support the objects above, including technology development, member service, compliance and audit liaison.

Scope and permitted activities

The Company operates within the scope of the objects above and within the perimeter of the licences and registrations it holds in each jurisdiction where it deploys capital. Activities that fall outside the objects or outside the licensed perimeter are declined regardless of the commercial opportunity they represent.

The Company does not offer, and members should not expect, the following categories of activity through the platform: unsecured personal or business lending; consumer credit products; margin trading against member positions; proprietary trading using member funds; underwriting of securities issuances outside the plan-catalogue framework; or any activity that would require a banking licence in the jurisdiction of registration and for which no such licence is held.

Perimeter around the plan catalogue

Every investment opportunity offered to members is packaged as a plan in the platform’s live catalogue and is subject to the disclosure standards described in the Terms of Service. The Company does not offer bespoke, off-catalogue investment terms to individual members. Where an institutional counter-party seeks a bespoke arrangement, that arrangement is documented separately outside the plan catalogue and is subject to independent legal review on both sides.

Consumer protection

Although the Company is not itself a consumer-credit provider or a bank, it applies consumer-protection principles to member interactions: clear disclosure, cooling-off arrangements where they exist, dispute-resolution procedures, and a route to independent complaint escalation. Full detail of these arrangements is available on request to legal@farmfreshcapitals.com.

4. Directors, officers & governance🔗

Governance

The Company is governed by its Board of Directors. The Board sets strategy, appoints and supervises senior management, and reviews performance against the Company’s policies and against the risk framework described in the Farm Fresh Reference Deck. Board composition, appointments and resignations are filed with the registrar as required by law, and the current composition of the Board is available on written request to legal@farmfreshcapitals.com.

Executive Committee

Day-to-day management of the Company is delegated by the Board to an Executive Committee. The Executive Committee is responsible for the operating plan, the annual budget, the deployment of member capital across the plan catalogue, the operational quality of the platform, and the timeliness of member reporting. The Executive Committee reports to the Board on a monthly cadence and to members through the reporting channels described in the Farm Fresh Reference and the Terms of Service.

Committees of the Board

• Audit Committee — oversees the annual external audit, reviews the internal control environment, and receives reports from internal audit and compliance. Reports to the full Board quarterly.
• Risk Committee — oversees the risk framework, sets concentration limits, reviews stress-test outputs and approves any material change to the framework. Reports to the full Board quarterly.
• Compliance Committee — oversees regulatory registrations, AML/CTF programme performance, and the Company’s response to regulatory enquiries. Reports to the full Board quarterly.
• Nomination and Remuneration Committee — oversees the appointment and compensation of senior management. Reports to the full Board annually.

Officers of the Company

The senior officer positions include a Chief Executive Officer, a Chief Investment Officer, a Chief Operating Officer, a Chief Financial Officer, a Chief Technology Officer, a Chief Compliance Officer and a Head of Member Service. Each officer has a written mandate approved by the Board and reports to the Chief Executive Officer other than the Chief Compliance Officer, who has a direct reporting line to the Board through the Compliance Committee to preserve independence.

Conflicts of interest

The Company maintains a written conflict-of-interest policy that applies to all directors, officers and employees. Personal transactions in any listed exposure the platform is invested in are subject to pre-clearance and disclosure. Family or beneficial-ownership relationships with any operator introduced to the platform must be disclosed before the operator is considered. Where a conflict cannot be avoided, the affected person recuses themselves from the relevant decision and the recusal is minuted.

Whistleblowing

The Company operates an independent whistleblowing channel that allows employees, partners, operators and members to report concerns confidentially. Reports are received by the chair of the Audit Committee and investigated under a written protocol. Retaliation against a person raising a good-faith concern is prohibited and is itself grounds for disciplinary action.

5. Share capital & ownership🔗

Share capital

• Authorised share capital: CHF 1,000,000
• Issued share capital: CHF 250,000
• Share class: Ordinary shares of CHF 1.00 each
• Voting rights: One vote per ordinary share on all matters requiring a shareholder resolution.
• Pre-emption rights: Existing shareholders have pre-emption rights on new share issues pro-rata to their existing holdings, subject to any exception approved by shareholder resolution.
• Transfer restrictions: Transfers of shares are subject to Board approval as set out in the Articles, preserving the closely-held character of the Company.
• Register of shareholders: A register of shareholders is maintained by the Company Secretary and updated on every transfer or issue. Certified extracts are available to shareholders on request.

Ownership

The Company’s founding shareholders hold the majority of the issued share capital and continue to be involved in the operation of the business. Employee shareholders hold a minority participation aligned to the long-term performance of the Company. The Company does not have publicly-listed shares, and its ownership structure is not disclosed at the individual-shareholder level in this certificate; institutional counter-parties may request an ownership disclosure under mutual non-disclosure through legal@farmfreshcapitals.com.

Capital adequacy

The Company maintains capital adequacy consistent with the scale and risk profile of the platform’s operations. Capital adequacy is reviewed annually by the Board on the basis of a report from the Chief Financial Officer and, where relevant, an external opinion. Additional capital may be raised from time to time to fund growth or to strengthen the balance sheet, and any such raise is subject to the pre-emption arrangements described above.

Distributions

The Company’s policy is to reinvest a majority of retained earnings into the platform — specifically into technology, operations, and the partner network — rather than to distribute them to shareholders. Distributions are considered from time to time by the Board, taking into account capital adequacy, growth plans and operating outlook. Any distribution is subject to the applicable statutory tests.

Employee incentives

The Company operates a long-term incentive arrangement for senior employees, tied to multi-year performance against defined operational and financial metrics. The arrangement is designed to align employee interests with the long-term performance of the platform rather than with short-term profit maximisation, and it is reviewed annually by the Nomination and Remuneration Committee.

Reserves and retained earnings

The Company’s policy is to build and maintain reserves at the corporate level in addition to the plan-level first-loss reserves described in the Farm Fresh Reference Deck. Corporate reserves provide a buffer against operational shocks that are not attributable to any specific plan and give the Company the ability to invest in longer-term infrastructure improvements without needing to raise fresh capital on unfavourable terms. Reserve adequacy is reviewed by the Audit Committee annually and reported to the Board.

Beneficial ownership

Beneficial ownership information is maintained in accordance with the applicable transparency regime and made available to competent authorities on lawful request. The Company&rsquo>s beneficial-ownership disclosure obligations are treated as a strict-compliance matter rather than an administrative formality.

Dividends

Any dividend declared by the Company is calculated in accordance with the Articles of Association and subject to the applicable statutory tests, including the availability of distributable reserves. The Board’s general disposition, as set out under “Distributions” above, is to reinvest earnings rather than to distribute them, and dividends are therefore expected to be an exception rather than a routine feature of the Company’s capital-management policy.

6. Regulatory registrations & licences🔗

Commercial-register oversight

Farm Fresh Capitals is registered as a private company limited by shares in the jurisdiction of incorporation and operates under commercial-register oversight in that jurisdiction. Any material change to the Company’s registered particulars — directors, officers, registered office, share capital, objects — is filed with the registrar within the statutory deadlines. A stamped extract from the commercial register is available on request to legal@farmfreshcapitals.com and is delivered within one business day.

AML/CTF and KYC controls

The Company maintains anti-money-laundering (AML), counter-terrorist-financing (CTF) and know-your-customer (KYC) controls consistent with international good practice. Detailed policy is set out in our AML & KYC Policy. Highlights include:

• Full KYC verification of every member before their first funding transaction, using document verification, sanctions screening and, where applicable, enhanced due diligence.
• Ongoing monitoring of member activity against defined risk indicators.
• Automated screening of every payment against relevant sanctions lists.
• Filing of reports with the relevant authorities where the legal test for a suspicious-activity report is met.
• Regular staff training on AML/CTF obligations and refresher training on schedule.

Data protection

The Company’s data-protection posture is described in the Privacy Policy. In summary, the Company collects the minimum data required to run each member’s account and comply with regulatory obligations; applies technical and organisational safeguards proportionate to the sensitivity of the data; and enables members to exercise the rights available to them under the applicable data-protection regime, including access, rectification and erasure where permitted.

Payment-services and custody arrangements

Where the Company’s activity in a specific jurisdiction requires a payment-services or custody licence, the Company either holds that licence directly, operates under an exemption where one is available, or contracts with a regulated third party that holds the relevant licence. Details of the arrangements in specific jurisdictions are available on request to legal@farmfreshcapitals.com.

Cross-border activity

Members from multiple jurisdictions access the platform. The Company respects local restrictions on cross-border marketing of investment products and, in jurisdictions where a specific restriction applies, either declines to serve members in that jurisdiction or serves them only in the manner permitted by the local regime. Members are responsible for ensuring that their participation on the platform is compatible with their own local rules, including any tax obligations, and are encouraged to seek independent local advice if they are uncertain.

Marketing communications

The Company’s marketing communications are prepared to a fair, clear and not-misleading standard consistent with the expectations of the applicable regulatory regimes. Where a jurisdiction requires specific disclosures to accompany investment-related marketing, those disclosures are included in the relevant communications. The Compliance function reviews marketing communications before publication in the jurisdictions where a pre-publication review is required and monitors published communications where a periodic review is required.

Financial promotions

The Company distinguishes between generic informational content, which is available to all visitors to the platform, and product-specific financial promotions, which are restricted to members who have completed KYC and whose access is compatible with the applicable regime. Where a member proceeds to fund a plan, the plan card’s disclosures are the operative product documentation; introductory marketing content is not a substitute for reading the plan card.

Suitability

The Company does not provide investment advice and does not make suitability assessments in the regulated sense of that term. Members are responsible for deciding whether a specific plan is suitable for their circumstances, and are encouraged to seek independent advice where they are uncertain. The Company’s role is to make available a plan catalogue with sufficient disclosure that the member can make an informed decision, together with reporting during and after the plan cycle that keeps the member informed.

7. Statutory filings & audit🔗

Statutory filings

Annual financial statements, board changes and any changes to registered particulars are filed with the registrar within the statutory deadlines. Where the jurisdiction of registration requires the filing to be made in a specific language or format, the Company arranges the necessary translation and formatting; where a filing must be certified or notarised, the Company arranges certification through recognised professionals.

External audit

A statutory auditor is appointed where required by law, and an annual audit is conducted by an independent audit firm. The audit report is presented to the Board through the Audit Committee and is made available to members on written request. Where the audit surfaces material findings, those findings are disclosed to members through the reporting cadence described in the Terms of Service.

Interim reviews

In addition to the annual external audit, the Audit Committee conducts an interim review each quarter, focused on internal control performance, reconciliation quality, and any incidents that have arisen since the previous review. Interim-review findings that are material to members are disclosed within the standard reporting cadence.

Regulatory reporting

Where the Company is subject to specific regulatory reporting requirements in a jurisdiction, those reports are prepared and filed within the statutory deadlines by the Compliance function and reviewed by the Chief Compliance Officer before submission. Copies of filed reports are retained in the Company’s records for the periods required by law.

Retention of records

The Company retains member account records, transaction records, correspondence and internal decision records for the periods required by the applicable regulatory regimes. Retention periods vary by category, and the Company applies the longest applicable period where multiple regimes overlap. Records are stored securely and access is restricted to authorised personnel on a need-to-know basis.

Tax

The Company complies with its own tax obligations in the jurisdictions where it is subject to tax and, where required by law, exchanges information with tax authorities on member accounts. Members are individually responsible for the tax treatment of their participation on the platform in their own jurisdictions, and the Company’s reporting is not a substitute for professional tax advice.

8. Attestation & interpretation🔗

Attestation

This certificate summarises information filed with the registrar as at the effective date shown at the top of this document. It is issued by the Company for informational purposes to help members, counter-parties and other interested parties understand the corporate standing and regulatory posture of the platform. The register itself is the primary source of truth and prevails in the event of any inconsistency between this certificate and the register.

Interpretation

Words and expressions used in this certificate have the meanings given to them in the Company’s constitutional documents. Where a term is used both in this certificate and in the Terms of Service, the definition in the Terms of Service applies. References to legislation include any modification or re-enactment for the time being in force.

Language

This certificate is published in English, Spanish, French and Arabic. In the event of an inconsistency between the language versions, the English version prevails, save that where a filing has been made to the registrar in a specific language, the language of the filing controls that specific fact.

Updates

The Company reviews this certificate at least annually and updates it whenever a material change is filed with the registrar. Superseded versions are archived for the periods required by law and are available on request through the legal channel. Members are notified through the standard reporting cadence when a new version is published.

Requesting a stamped extract

Members or counter-parties who require an original, stamped extract from the commercial register (rather than this Company-issued summary) may request one at any time by writing to legal@farmfreshcapitals.com. The Company will arrange the extract through the registrar and deliver it, together with any certification required by the requesting party, within one business day of the request being received.

Contact for questions about this certificate

Any questions about the content of this certificate, or about the corporate standing of the Company more generally, should be directed to legal@farmfreshcapitals.com. The legal team responds within one business day and can escalate to the Chief Compliance Officer where appropriate. Members are welcome to raise questions on any point they would like clarified; the Company would rather answer a question than have a member proceed on the basis of an incorrect assumption.

9. Complaints, disputes & escalation🔗

Complaints handling

The Company operates a written complaints-handling procedure that applies to every complaint received from a member, counter-party or other interested party. Complaints are logged in a dedicated register, acknowledged within one business day, and resolved as promptly as the nature of the complaint permits. A designated Complaints Officer supervises the process and reports to the Compliance Committee on a monthly basis. Members are encouraged to raise complaints through the in-dashboard support tab, which links the complaint to the member’s account history automatically; complaints may also be raised by email to support@farmfreshcapitals.com or to legal@farmfreshcapitals.com where the complaint concerns a legal or regulatory matter.

Escalation and independent review

Where a complaint cannot be resolved to the member’s satisfaction through the standard process, it may be escalated internally to the Chief Compliance Officer and, if still unresolved, to the Compliance Committee of the Board. Members are also entitled to raise the matter with any competent external body available to them in their jurisdiction — ombudsman, regulator, consumer-protection agency — and the Company will cooperate fully with any such review. The Company does not require members to waive their right of external escalation as a condition of using the platform.

Dispute resolution and governing law

The Terms of Service set out the governing law and dispute-resolution mechanics that apply between the Company and each member. In summary, disputes are subject first to a good-faith negotiation period, then to mediation where the parties agree, and only then to formal proceedings in the specified forum. The Company’s preference is always to resolve disputes through dialogue rather than through litigation, on the pragmatic view that litigation is slow, costly and destructive of the relationship even for the party that ultimately prevails.

Records of complaints

Aggregate statistics on complaints handled — volume, category, average resolution time, escalation rate — are reviewed by the Compliance Committee quarterly and reported to the Board annually. Where a category of complaint recurs, root-cause analysis is undertaken and the underlying process is amended to reduce future incidence. This feedback loop is one of the ways the Company improves the service over time.

10. Business continuity & incident response🔗

Business continuity

The Company maintains a written business-continuity plan (BCP) that addresses the events most likely to disrupt platform operations: technology failures, cyber incidents, key-person unavailability, and disruption to critical third-party service providers. The BCP sets out recovery-time objectives for each critical service, identifies alternative arrangements where a primary service is unavailable, and specifies the communication protocol that keeps members informed during any incident.

Technology resilience

Platform infrastructure is deployed with redundancy across independent points of failure. Data is backed up on a schedule aligned to the sensitivity of each data category, with backups held in a separate region from the primary infrastructure. Backups are tested through periodic restore exercises so that a real restore, when needed, is a rehearsed procedure rather than a first attempt. Cybersecurity controls include multi-factor authentication for all administrative access, principle-of-least-privilege permission granting, encryption of data at rest and in transit, continuous monitoring for anomalous activity, and periodic penetration testing by an independent specialist.

Incident response

The incident-response protocol activates on any deviation from expected service or on any indication of a security event. The on-call team assesses the scope, contains the incident, restores service in accordance with the BCP, and communicates with affected members within the platform’s standard event-disclosure window. A written post-incident review is prepared for every material incident, and lessons learned are incorporated into subsequent revisions of the BCP.

Third-party risk management

The Company’s dependence on third-party service providers — custodians, KYC vendors, banking partners, hosting providers — is managed through a written third-party risk-management programme. Each material provider is subject to initial due diligence before onboarding, contractually committed to defined service levels, and reviewed annually against actual performance. Where a provider fails to meet standards, the Company maintains substitutability by keeping alternative providers in a state of readiness rather than depending on a single sole source for any critical function.

Insurance

The Company carries professional-indemnity, cyber-liability and general commercial insurance appropriate to the scale and nature of its operations. Insurance is not a substitute for good practice, but it is a meaningful backstop against the residual risk that remains after prevention, detection and response have done their work. Insurance policies are reviewed annually and adjusted as the scope of the platform’s operations evolves.

11. Environmental, social & governance posture🔗

Environmental posture

The Company is committed to environmental practices consistent with responsible investment in the agricultural sector. The renewable-energy sleeve reduces the carbon footprint of the farms it serves and provides a positive contribution outside the Company’s direct operational boundary. The agricultural sleeve favours operators who apply conservation-tillage, rotational cropping and other soil-health programmes that preserve long-run productivity, and the Company reports on the environmental outcomes of the portfolio annually in an impact report available to members.

Social posture

The Company invests in geographies where the agricultural sector is a major source of livelihood for rural populations. Operator selection includes an assessment of labour practices, community relations and social licence to operate. Cooperatives and aggregator organisations are important partners in the operating model, and the Company’s relationship with these organisations is structured to be a long-term partnership rather than a series of transactions. Members allocated to the agricultural sleeve are contributing not only to their own returns but to the working capital, technology and infrastructure that keep rural producers competitive.

Governance posture

Governance is exercised through the Board and its committees as described in section 4. The Company’s governance posture includes independent directors on the audit and compliance committees, a written conflicts policy applicable to all directors and officers, and an independent whistleblowing channel. The Company’s stated ambition is to raise its governance posture over time as the platform grows, including through the addition of further independent directors, and any such enhancement is disclosed to members through the standard reporting cadence.

Reporting

The Company publishes an annual impact report that sets out the environmental and social outcomes of the portfolio in specific, quantified terms — hectares under sustainable cultivation, tonnes of avoided post-harvest loss, kilowatt-hours of renewable energy generated, rural households connected, permanent jobs supported. The impact report is prepared to a defined methodology and is reviewed by the Audit Committee before publication. Members are asked to read it as they would any other statutory report on the Company.

Materiality

The Company treats environmental, social and governance factors as material to the investment decision and as material to the operator relationship. Operators who fail to meet stated standards after a reasonable period of engagement are removed from the plan catalogue. The materiality assessment is reviewed annually by the Risk Committee and any change to the criteria applied is documented and disclosed.

12. Enforcement, judgments & regulatory findings🔗

Regulatory findings

The Company discloses in this section, in summary form, any material regulatory finding or enforcement action against it. As at the effective date of this certificate, there are no material regulatory findings or enforcement actions to disclose. Members who wish to verify this statement independently may contact the relevant registrars and regulators directly. The Company’s commitment is to update this section promptly whenever a matter arises that would be material to members or counter-parties.

Judgments and settlements

The Company discloses in this section, in summary form, any material judgment or settlement in a court or arbitral forum affecting it. As at the effective date, there are no material judgments or settlements to disclose. Should any such matter arise, the disclosure will include the nature of the claim, the outcome, and the impact on the Company’s operations and financial position where these are relevant to members.

Regulatory correspondence

The Company cooperates fully with regulatory enquiries and correspondence. Where a regulator seeks information about a specific member or account, the Company provides the information required by law under proper legal process, and, where legally permissible, notifies the member. Where a regulator seeks information about the Company’s operations generally, the Company responds within the timeframe specified.

Sanctions compliance

The Company screens every payment and every member against relevant sanctions lists on an ongoing basis. Where a match is detected, the transaction is held pending investigation and, where required, is reported to the relevant authority. Members who consider they have been affected in error should contact legal@farmfreshcapitals.com so that the matter can be reviewed promptly.

Tax transparency

The Company complies with its own tax obligations and cooperates with cross-border tax-information-exchange regimes where applicable. Members are individually responsible for the tax treatment of their platform activity in their own jurisdictions, and are encouraged to seek professional tax advice where they are uncertain. The Company does not provide tax advice.

Ongoing disclosure

This section is updated whenever a material regulatory or legal matter arises that would be material to members or counter-parties. Members are notified through the standard reporting cadence when an update is published. Historical versions of this section are retained for the periods required by law and are available on written request to legal@farmfreshcapitals.com.

13. Member relationship & account operation🔗

Opening an account

A member relationship begins when an individual completes registration at farmfreshcapitals.com/user/register.php, accepts the Terms of Service, and completes KYC verification. Registration is designed to be completed in under a minute and KYC review completes within twenty-four hours. On completion of verification, the member’s wallet is opened and the member becomes able to fund it through the supported payment rails.

Funding and withdrawals

Funding is credited to the member wallet as soon as the payment network confirms settlement of the incoming payment. Withdrawals are processed against the wallet balance and are typically settled within one to three business days depending on the withdrawal method and the receiving institution. Withdrawal requests are subject to the standard AML/CTF checks and, where a request falls outside the member’s established pattern, may be subject to additional verification.

Allocations and cycle lock

Members allocate wallet balances to plans through the platform’s allocation interface. Once an allocation is confirmed, the allocated amount is locked into the plan cycle and is not available for withdrawal until cycle end. Plans that offer optional early-exit liquidity disclose the applicable mechanics and any associated costs on the plan card. Members are encouraged to build laddered portfolios that combine short-cycle and longer-cycle exposures to produce regular liquidity events.

Returns and reinvestment

Plan returns are calculated at cycle end and credited to the member wallet. Members may withdraw the return, reinvest it into another plan, or leave it in the wallet for later allocation. Automatic-reinvestment preferences may be set at the account level and are respected in preference to manual instructions where a conflict arises, subject to the member being able to change the preference at any time.

Account statements

Monthly account statements are generated automatically and stored in the member account for download. Statements reflect wallet balances, open positions, closed positions and any transactions during the statement period. Members are encouraged to review statements each month and to raise any query with the support team promptly, so that any discrepancy can be resolved while the underlying transaction records are still fresh.

Communication preferences

Members may set their communication preferences through the account settings interface. Critical operational communications — KYC updates, security notifications, material events on plans a member is allocated to — are delivered regardless of preference because the Company considers them essential to the safe operation of the account. Non-essential communications, such as new-plan announcements or educational content, are subject to member preference and may be opted out of at any time.

Account closure

Members may close their accounts at any time by writing to support@farmfreshcapitals.com. Closure requires the wind-down of any open positions on their normal cycle schedule, unless the plan offers early-exit liquidity, and the withdrawal of remaining wallet balances through supported rails. The Company retains member records after closure for the periods required by applicable law.

Deceased-member arrangements

Where the Company is notified of the death of a member, the account is placed into a supervised state pending presentation of the required documentation from the deceased’s estate. On presentation, the wallet balance and any proceeds from open positions are transferred in accordance with the estate’s lawful instructions. The Company handles these situations with additional care and works closely with executors to make the process as straightforward as circumstances allow.

Dormant accounts

Accounts that have shown no member-initiated activity for a period exceeding the threshold set out in the Terms of Service are classified as dormant. Dormant accounts are subject to additional protective controls: the member is contacted through the last-known verified channels to confirm continued interest, and where no response is received within a reasonable period, the account may be placed into a further-restricted state pending fresh verification. The purpose of the dormancy regime is to protect member funds against fraud in circumstances where the member is no longer actively monitoring the account, and no funds are ever released from a dormant account without renewed identity confirmation.

Data portability and access

Members may request a machine-readable export of their account data at any time through the support channel. Exports include account particulars, transaction history, allocation history and communications history within the periods for which records are retained. Where a member requests correction of their data, the Company processes the request in accordance with the Privacy Policy and applicable law.

Security of the account

The Company applies commercial-grade authentication controls to every member account, including support for multi-factor authentication and monitoring for anomalous sign-in patterns. Members are strongly encouraged to enable multi-factor authentication on their account, to use a unique password not reused elsewhere, and to report any suspicious activity through the support channel immediately. Where the Company observes credential-stuffing or other account-security threats affecting a member, it may temporarily restrict access and require fresh verification before restoring full operation of the account, in preference to allowing potentially compromised access to continue.