SCDC INVESTMENT DISCLAIMER

OUR INVESTMENT DISCLAIMERS

SCDC Program Disclosures and Risk Statement

Last Updated: August 6, 2026

Please read this page in full before submitting a Reservation Deposit or signing any SCDC agreement. It describes what the S.H.A.R.E. Community Development Corp Founding Investor-Purchaser program is, what it is not, and the risks of participating.

1. What the Founding Investor-Purchaser Program Is

S.H.A.R.E. Community Development Corp, a Texas corporation ("SCDC," "the Company," or "the Developer"), develops and constructs multifamily apartment buildings and sells completed individual buildings to purchasers. SCDC may designate any wholly owned subsidiary or affiliated entity to develop, hold title to, execute a purchase contract for, and convey a building. Doing so does not relieve SCDC of its obligations. References to "SCDC" on this page include those subsidiaries and affiliated entities.

This page applies to sharecommunitydevelopmentcorp.com and scdctexas.com and to every related page, form, and online feature SCDC operates (together, the "Site"). The footer of scdctexas.com links to the copies of these policies hosted on sharecommunitydevelopmentcorp.com; those copies govern both websites.

The Founding Investor-Purchaser Pre-Sale Reservation of Interest Agreement (the "Reservation Agreement") is an agreement to reserve a place in SCDC's construction queue and to reserve the right — but not the obligation — to enter into a future real estate purchase contract for one or more completed buildings.

Under the Reservation Agreement:

• It is not a real estate purchase contract. Signing it does not establish any legal right, claim, title, or beneficial interest in any lot, building, or community, and it may not be recorded in any public record.
• There is no obligation to buy. The Reserving Party is never obligated to purchase a building in any year, including Year 1, and may decline for any reason.
• Ownership, if a purchase closes, is direct and individual. Each building is conveyed in fee simple to the purchaser's own registered legal entity under its own real estate purchase contract, with its own legal description, its own third-party appraisal, and its own closing. There is no pooled fund, no fractional or undivided interest, no partnership or membership interest, no unit, and no share of stock in SCDC or any SCDC affiliate.
• The price is set later. A purchase contract is delivered only after land is acquired and subdivided so a legal description exists, a third-party licensed multifamily appraisal is completed for the specific location, and SCDC determines the price it will offer. Until then, no price, location, or legal description is fixed.
• Plans are preliminary. Concepts, renderings, drawings, and brochures are preliminary and subject to change in SCDC's sole discretion, including location, design, layout, amenities, and common areas. Do not rely on any representation other than those contained in a future purchase contract or the governing community documents.

2. What the Program Is Not

The Reservation Agreement and the Founding Investor-Purchaser program are not:

• an offer to sell, or the solicitation of an offer to buy, any security;
• a private placement, a Private Placement Memorandum, or a Regulation D offering;
• a real estate investment trust (REIT) or an interest in one;
• an apartment syndication, fund, joint venture, limited partnership interest, or limited liability company membership interest;
• a crowdfunding offering or an investment portal;
• a loan, note, or debt instrument issued by SCDC;
• a franchise or business opportunity;
• a bank deposit. Amounts paid to SCDC are not insured by the FDIC, the NCUA, the SIPC, or any other federal or state agency, and are not guaranteed by SCDC or any other party.

No federal or state securities regulator, real estate commission, or other governmental authority has reviewed, approved, recommended, endorsed, or passed upon the merits of the Founding Investor-Purchaser program, the accuracy or adequacy of these materials, or any projection appearing on this website.

3. The Reservation Deposit — Read This Section Carefully

The Reservation Deposit is $5,000.00 per package, paid by wire transfer.

• It is not held in escrow. SCDC does not hold the Reservation Deposit separately, in escrow, or in trust, and pays no interest on it. SCDC uses the funds for land acquisition, development costs, operations, and other general business purposes. This is a material term. If you require escrow protection, do not participate.
• It is non-refundable. Except in the specific circumstances listed below, the Reservation Deposit is 100% non-refundable, including if you simply change your mind.
• You may lose the entire Reservation Deposit. Because the funds are unsegregated and spent in SCDC's operations, your ability to recover any amount — including in a circumstance where a refund is owed — depends on SCDC's financial condition at that time. SCDC does not guarantee repayment.

The only circumstances in which a refund is available under the current Reservation Agreement are:

1. SCDC does not deliver a purchase contract for signature within five (5) years of the effective date of the Reservation Agreement;
2. You met and continue to meet every self-certification criterion at the time of the Agreement and at loan final approval submission, and SCDC is nonetheless unable to assist you in securing 100% financing approval using its capital stack;
3. After a purchase contract is executed, the first lien lender's appraisal does not equal or exceed the contract purchase price, or does not meet lending criteria for 100% financing; or
4. SCDC terminates the Reservation Agreement because it is unable to build the community or buildings.

Circumstances that do not produce a refund include, without limitation: electing an outside lender who does not provide adequate financing; declining the terms of a lien holder after approval; declining the offered price or location; failing to meet the self-certification criteria at the time of financing; and voluntary termination for any other reason.

The Reservation Agreement and the Refund Policy control. Where this page and those documents differ, those documents govern.

4. Qualification Is Self-Certified, Not Verified

To enter the Reservation Agreement you self-certify that you meet SCDC's stated criteria — including a FICO 8 score of 680 or higher with all three bureaus at the time of financing, minimum verifiable annual income thresholds, and purchase through an unencumbered registered legal entity with an EIN and an active bank account.

SCDC does not verify these representations at the reservation stage and does not perform an underwriting, credit, or suitability analysis. Self-certifying does not mean you will qualify for financing. Lending decisions are made by third-party lenders on their own criteria at a later date.

SCDC is not a bank, lender, mortgage broker, mortgage loan originator, real estate brokerage, investment adviser, or broker-dealer, and does not provide any of those services.

100% financing is not guaranteed. It is a structure SCDC seeks to arrange, not a commitment that any lender will approve you.

5. Affiliate Relationships and Conflicts of Interest

SCDC and its affiliates and subsidiaries have financial interests at multiple points in this transaction. You should understand these before participating:

• SCDC or an affiliate develops and constructs the buildings and sells them to you, and profits on that sale.
• The first lien lender will be selected from a group chosen by SCDC or an affiliate.
• The second lien holder will be an affiliate of SCDC.
• Property management will be provided by an SCDC property management subsidiary or affiliated entity, licensed as required in the applicable state or jurisdiction, and compensated for those services.
• Each building is operated under its own property management agreement, with its own operating and escrow accounts held in the name of the entity that owns that building.
• Buildings are subject to a Private Member Association and to community governing documents, and must remain non-owner-occupied investment properties.
• SCDC sets the purchase price it offers, at or below a third-party appraised value it commissions.

These relationships mean SCDC's interests and yours are not identical at every point. SCDC discloses them so you can evaluate them, and encourages you to have your own attorney, accountant, and lender review any transaction.

6. Projections Are Illustrations, Not Promises

Any pro forma, financial model, projected return, cash flow estimate, appreciation estimate, or "wealth multiplier" illustration published by SCDC in any medium — website, brochure, presentation, video, webinar, or briefing — is hypothetical and illustrative only.

• Projections are based on assumptions about rents, occupancy, expenses, interest rates, construction costs, timing, and market conditions that may prove incorrect.
• Projections are not based on the actual operating results of completed, delivered, and leased SCDC buildings.
• No projection is a guarantee, a warranty, or a prediction. Actual results may differ materially and may be negative.
• Figures shown have not been independently audited or verified unless expressly stated.

A projection about a property's value is a projection about that property. It is not a statement of what any person will receive.

Past performance is not indicative of future results. Hypothetical or simulated performance is not indicative of future results.

7. Real Estate Risk

Owning multifamily rental real estate is speculative and involves substantial risk, including the risk of losing your entire equity and of personal or entity liability on financing. Significant expenses — debt service, taxes, insurance, and maintenance — generally do not decline when income falls.

Factors that may adversely affect the income from and value of a building include:

• downturns in national, regional, and local economic conditions, particularly rising unemployment;
• the attractiveness of the property to tenants and competition from other properties;
• increases in supply of, or decreases in demand for, comparable multifamily properties in the market;
• tenant defaults, non-payment, turnover, and eviction costs and delays;
• changes in interest rates and in the availability and terms of debt financing, including refinancing risk on any balloon maturity;
• changes in operating costs, vendor costs, and management performance;
• changes in, or increased costs of compliance with, laws, regulations, and fiscal policies, including tax, environmental, zoning, and fair housing laws;
• changes in the cost or availability of insurance, including for wind, flood, mold, or asbestos;
• environmental conditions and retained liabilities;
• construction delays, defects, design flaws, cost overruns, and supply chain disruption;
• rent control, rent stabilization, or other housing laws limiting rent increases;
• the illiquidity of real estate — you may be unable to sell when you wish, or at all;
• residents' perceptions of safety, convenience, and neighborhood quality;
• ongoing capital improvement requirements; and
• civil unrest, acts of God including hurricanes, floods, and earthquakes, which may cause uninsured losses, and acts of war or terrorism.

SCDC makes no guarantee of investment performance, rental income, occupancy, appreciation, or resale value.

Development-stage risk is additional and distinct: land may not be acquired, entitlements and governmental approvals may not be obtained, financing may not close, and communities may not be built on the timeline shown or at all.

8. Testimonials and Endorsements

Testimonials on this website reflect the individual experiences and opinions of the people who gave them, at the time they gave them.

• Some people who provided testimonials received a benefit from SCDC. Under SCDC's Testimonial Addendum, an Investor-Purchaser who provides a video testimonial may receive an expanded reservation — the right to purchase five additional buildings in Year 5 of their Agreement and in subsequent purchase years, without the upfront deposit ordinarily required at the time a reservation is made. No buildings are given free. See Section 9 for the full description of how these expansions work.
• Testimonials are not a guarantee of results and are not representative of the experience of all participants. Individual results vary.
• Testimonials describe expectations, not realized returns, except where a testimonial expressly says otherwise and that statement has been verified.
• Testimonials are not a substitute for your own due diligence, and are not an endorsement by any regulator.

9. Referral and Testimonial Reservation Expansions

What is granted is an expanded right to purchase — not a payment, and not free property.

An existing Investor-Purchaser who refers another Investor-Purchaser whose Reservation Deposit is received, or who provides a video testimonial, may receive an expanded reservation under SCDC's Referral Addendum or Testimonial Addendum. The expansion adds the right to purchase five additional buildings in Year 5 of that person's Agreement and in subsequent years in which buildings are purchased.

If the Investor-Purchaser chooses to exercise that right:

• they pay the same purchase price for those buildings, determined the same way as for their original buildings;
• the buildings are financed on the same terms as their original buildings; and
• they pay the same per-building deposit — that deposit is withheld at the time the sales contracts are executed, rather than paid upfront when the expanded reservation is granted.

The expanded reservation is a right, not an obligation. It may be declined, like any other reservation. SCDC is not obligated to offer buildings in any year beyond Year 1. All of the risks and terms described elsewhere on this page apply equally to any building purchased under an expanded reservation.

Why we disclose this. If someone introduced you to SCDC or gave a testimonial you are relying on, that person may hold an expanded reservation connected to your participation. That is a benefit, even though nothing is given free, and you should know about it when you weigh what you have been told.

Referring parties and persons giving testimonials are not employees, agents, brokers, dealers, investment advisers, or representatives of SCDC. They are not authorized to make representations on SCDC's behalf, and SCDC is not responsible for statements they make. Rely only on SCDC's written materials and on the Reservation Agreement.

10. No Legal, Tax, Accounting, Financial, or Real Estate Advice

Nothing on this website is legal, tax, accounting, financial, insurance, appraisal, or real estate advice, and nothing here is a recommendation to enter any transaction. SCDC does not assess whether participation is suitable for you.

You are strongly encouraged to consult your own attorney, CPA or tax adviser, and financial adviser before signing any agreement or wiring any funds. SCDC welcomes your advisers' participation in any briefing.

11. Accuracy, Third-Party Content, and Forward-Looking Statements

Information on this website is believed accurate when published but is not guaranteed, is provided as a summary only, and is not a substitute for due diligence. SCDC may update or correct this website at any time without notice.

Third-party articles, links, or media that mention SCDC are not approved, endorsed, or controlled by SCDC, and SCDC is not responsible for their content.

Statements on this website that are not statements of historical fact — including statements about plans, timing, projects, market conditions, and expected results — are forward-looking statements based on current expectations and assumptions about multifamily housing demand in SCDC's target markets, construction cost and schedule, financing availability, and general economic conditions. These assumptions are subject to business, economic, competitive, and regulatory risks, most of which are outside SCDC's control. Actual results may differ materially. Do not place undue reliance on forward-looking statements. SCDC undertakes no obligation to update them except as required by law.

12. Wire Fraud Warning

SCDC's wiring instructions rarely change. If you receive any communication appearing to come from SCDC with new, revised, or altered wire instructions, treat it as fraudulent and call SCDC at a number you independently trust before sending funds. SCDC does not accept ACH transfers in place of wired funds.

13. Disputes

Any dispute arising out of or relating to this page or your use of SCDC's websites is governed by the dispute resolution provisions of the SCDC Website Terms of Use, which provide for a sixty (60) day informal resolution period followed by final and binding individual arbitration seated in Houston, Harris County, Texas, administered by the American Arbitration Association under its Commercial Arbitration Rules, under the Federal Arbitration Act. Those provisions waive trial by jury and waive class, collective, and representative proceedings.

Any dispute arising out of or relating to a signed Founding Investor-Purchaser Pre-Sale Reservation of Interest Agreement, any addendum, or a Purchase Contract is governed by the arbitration provisions of those signed agreements, which control over this page.

14. Order of Precedence

If anything on this website conflicts with the signed Reservation Agreement, any addendum, or a subsequent real estate purchase contract, those signed documents control. This page is informational and is not a contract.

15. Contact

S.H.A.R.E. Community Development Corp

2700 Post Oak Blvd, 21st Floor Suite 104, Houston, Texas 77056
Galleria Office Tower 1 - The Galleria Complex
Uptown District Houston

Telephone: (281) 863-9929

Email: admin@scdctexas.com

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OUR INVESTMENT DISCLAIMERS

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