Value-Tra BV – General Terms and Conditions – version 20-01-2026

Article 1 – Definitions

In these General Terms and Conditions, the following definitions shall apply:

Company: Value-Tra BV, established in Uithoorn, registered with the Dutch Chamber of Commerce under number 65366727.

Client: any natural person or legal entity making use of the services of the Company.

Services: all forms of financial services, including but not limited to investment advisory services, asset management, financial planning, and related services.

Agreement: any agreement between the Company and the Client to which these General Terms and Conditions apply.

Article 2 – Applicability

These General Terms and Conditions apply to all offers, services, and agreements of the Company. Any deviations from these conditions shall only be valid if agreed upon in writing.

Any general terms and conditions of the Client are expressly rejected.

Article 3 – Provision of Services

The Company shall perform its services to the best of its knowledge and ability, in accordance with applicable laws and regulations.

The services provided constitute an obligation of best efforts and not an obligation to achieve a specific result.

Investment decisions shall be made on the basis of information provided by the Client and the Client’s risk profile.

Article 4 – Information provided by Client

The Client is obliged to provide all relevant information fully, accurately, and in a timely manner.

The Company shall not be liable for any damage resulting from incorrect or incomplete information provided by the Client.

Article 5 – Investment Risks

The Client acknowledges that investing involves risks and that past performance does not guarantee future results.

A decline in the value of investments, including the loss of part or all of the invested capital, cannot be excluded.

The Company shall not be liable for losses resulting from market developments.

Article 6 – Fees and Costs

The Client shall not be charged any fees for the services provided.

Article 7 – Liability

The liability of the Company shall be limited to direct damages only and shall in no event exceed the amount paid out under its professional liability insurance policy.

The Company shall not be liable for indirect damages, including consequential damages, loss of profit, or loss of opportunity.

Article 8 – Confidentiality and Privacy

The Company shall treat all Client data confidentially and shall process personal data in accordance with applicable privacy legislation (GDPR).

Data shall only be used for the purpose of providing the services.

Article 9 – Duration and Termination

The Agreement shall be entered into for an indefinite period, unless agreed otherwise.

Either party may terminate the Agreement in writing, subject to a notice period of three (3) months.

Article 10 – Complaints

Complaints regarding the services must be submitted in writing within a reasonable period of time.

The Company shall handle complaints with due care in accordance with its complaints procedure.

Article 11 – Governing Law and Disputes

All legal relationships shall be governed exclusively by Dutch law.

Any disputes shall be submitted to the competent court in the district where the Company is established, unless mandatory law provides otherwise.

Article 12 – Final Provisions

If any provision is found to be null, void, or unenforceable, the remaining provisions shall remain in full force and effect.

The Company reserves the right to amend these General Terms and Conditions.

April 2026, Value-Tra