What is your debt recovery procedure?

In the unfortunate event that a borrower defaults and remains in arrears for an extended period of time, we will implement our credit recovery protocol in order to ensure the borrower fulfills their contractual obligations, hence protecting our investors. This is as follows:

• Should a project borrower default on an installment payment, our team will contact the entity to report the outstanding debt and request its prompt settlement. To compensate our investors for the delay in receiving their interest payment, we will charge an arrears interest rate for each day the outstanding amount is not settled, starting from the first day of default. The project investors will receive this interest once the payment has been settled.

• Should the borrower be unable to settle the debt, Goparity shall maintain active communication with the borrower through all available means (e.g., email, and phone). Without voluntary settlement within 15 days, Goparity will assess the expected amount to be recovered from the borrower. This will vary depending on the borrower and is subject to factors such as the entity's activity, assets, guarantees, and general liabilities.

• Should Goparity successfully recover part of the amount owed, and if this is sufficient to cover all associated recovery costs (i.e. internal resources, lawyers, enforcement agents, costs and taxes) and the reimbursement to investors, Goparity will pursue a single class action lawsuit representing all investors.

As part of this joint class-action lawsuit, Goparity will maximize the recovered amount due in the shortest time frame possible. In certain circumstances, this may involve establishing judicial and/or extra-judicial payment agreements with the borrowers to establish conditions for them to resume regular payments to investors, ensuring the project is carried forward.