Legal Disclosures.

This document consolidates the principal legal disclosures relating to Dave Carter Group LLC and its affiliated entities. It is intended to promote transparency about who we are, what we do, and the regulatory framework governing our work.

This document is supplemented by our Brokerage Disclosure (which details the legal separation between advisory and brokerage activities), our Privacy Policy, and our Terms of Use. Together, these documents describe the legal framework within which we operate.

The services described on our websites are provided by three distinct legal entities, each governed by its own jurisdiction and regulatory regime:

For the complete legal framework governing these entities, please see our Brokerage Disclosure.

Dave Carter Group LLC provides advisory and consulting services, which include but are not limited to:

• Real estate investment advisory and underwriting review
• Business strategy and operational consulting
• Cross-border investment structuring counsel
• Diaspora wealth and capital planning guidance
• Portfolio review and ongoing advisory mandates
• Coordination with licensed professionals (attorneys, tax advisors, brokers)

The LLC does not perform licensed brokerage activity, provide regulated investment advice (as defined under US securities law), practice law, or provide tax preparation or opinions. Each of those functions is performed by appropriately licensed third parties, whom we coordinate with.

Our content and services are provided for advisory and informational purposes. They reflect the professional opinions, research, and experience of our team. They are not a substitute for personalized advice from:

• A qualified attorney for legal matters
• A licensed CPA or tax professional for tax matters
• A registered investment advisor (RIA) for regulated investment matters
• A licensed real estate broker in the applicable jurisdiction for brokerage matters (other than Kola Adisa's personal New York license)

You should consult appropriate professionals before making decisions based on any information or guidance we provide. We encourage — and, for serious engagements, require — clients to retain their own counsel.

Kola Adisa, in his capacity as a licensed New York REALTOR®, operates in strict compliance with:

• The Federal Fair Housing Act (42 U.S.C. §§ 3601 et seq.)
• The New York State Human Rights Law
• New York City Human Rights Law (where applicable)
• All other applicable local fair housing ordinances
• The Code of Ethics of the National Association of REALTORS®

No discrimination is practiced or tolerated on the basis of race, color, religion, national origin, sex, disability, familial status, sexual orientation, gender identity, age, military status, source of income, marital status, or any other protected characteristic under applicable federal, state, or local law.

If you believe you have experienced housing discrimination in connection with services provided by Kola Adisa, you may contact the US Department of Housing and Urban Development (HUD) or the New York State Division of Human Rights. You may also raise the concern directly with us at info@davecartergroup.com.

Kola Adisa maintains active membership in the following professional organizations, which impose ethical standards, continuing education requirements, and professional conduct obligations on their members:

• National Association of REALTORS® (NAR) — Professional conduct and ethics standards for US real estate professionals
• New York State Association of REALTORS® — State-level professional standards and continuing education
• Staten Island Board of REALTORS® (SIBOR) — Regional MLS access and local industry oversight
• New York Real Estate Institute (NYREI) — Professional training and credentialing body
• Association of Estate Agents of Nigeria (AEAN) — Ethical standards for Nigerian real estate practice

Membership in these organizations does not constitute endorsement of any particular transaction, strategy, or outcome. It reflects a commitment to ongoing professional development and ethical practice.

Our services are provided in accordance with applicable federal, state, and international laws, including but not limited to:

• US federal laws governing financial services, anti-money laundering (AML), and know-your-customer (KYC) obligations
• New York State real estate licensing law and Department of State regulations (as applicable to Kola Adisa's personal license)
• Wyoming business law as applicable to Dave Carter Group LLC's formation and operations
• Nigerian commercial law and Corporate Affairs Commission (CAC) regulations as applicable to Dave Carter Integrated Services Ltd
• US Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) sanctions regulations
• Applicable international regulations governing cross-border capital flows and diaspora remittances

We conduct appropriate due diligence and compliance reviews for client engagements. For complex cross-border matters, we coordinate with qualified legal counsel in the relevant jurisdictions.

Cross-border real estate transactions and advisory work involving both the United States and Nigeria are subject to multiple regulatory regimes. These may include, but are not limited to:

• US tax reporting obligations for foreign assets (FBAR, FATCA)
• Nigerian foreign exchange regulations and Certificates of Capital Importation
• Transfer pricing and withholding tax considerations in both jurisdictions
• Double-taxation treaty considerations (where applicable)
• AML/KYC obligations across jurisdictions
• Nigerian Land Use Act compliance for real estate acquisitions

While we provide advisory counsel on cross-border structuring, the ultimate legal and tax responsibility rests with the client and their retained legal and tax professionals. We do not provide legal or tax advice ourselves — we coordinate with those who are licensed to do so.

We endeavor to operate with transparency regarding potential conflicts of interest. Our practices include:

• Fee transparency: Advisory fees are disclosed upfront. Brokerage commissions, where applicable, follow industry-standard disclosure requirements.
• Dual representation: Where Kola Adisa is representing both buyer and seller in a New York transaction, such dual agency is disclosed in writing as required by New York law.
• Referral relationships: When we refer clients to attorneys, tax advisors, licensed brokers in other jurisdictions, or third-party service providers, we disclose any material referral arrangements.
• Entity-related interests: Where the LLC (USA) coordinates with DCIS Ltd (Nigeria) on a client engagement, the ownership relationship between these entities is disclosed, and fees for each entity's services are separately contracted and transparent.
• Personal interests: Where the advisory team or founder has a personal financial interest in a matter under discussion (e.g., a property being considered by a client in which we also have interest), such interest is disclosed before any advice is given.

Any client testimonials, case studies, or references to past work on our websites, in our publications, or in marketing materials:

• Are provided with the express permission of the individuals quoted
• Reflect the experience of specific individuals in specific circumstances
• Are not guarantees of comparable results for other clients
• May be anonymized or identified only by initials or descriptive titles to protect privacy
• Are not compensated unless explicitly and transparently disclosed

Real estate investments and advisory outcomes vary based on many factors. Past results are not indicative of future performance.

Our websites and publications may contain forward-looking statements — projections, expectations, opinions about market direction, and forecasts. These statements:

• Are based on information available at the time of writing
• Involve assumptions that may prove incorrect
• Are subject to risks, uncertainties, and changes in circumstances
• Do not guarantee any future outcome or performance

Readers should not place undue reliance on forward-looking statements. Markets change. Regulations change. Economic conditions change. Any decisions based on forward-looking content should be made in consultation with appropriate professionals and with independent verification of underlying assumptions.