SCDC REFUND POLICY

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OUR REFUND POLICY

SCDC Reservation Deposit Refund Policy

Last updated: August 6, 2026

This page summarizes the Reservation Deposit refund terms in the SCDC Founding Investor-Purchaser Pre-Sale Reservation of Interest Agreement (the “Agreement”) between the person or entity making the reservation (the “Reserving Party”) and S.H.A.R.E. Community Development Corp (“SCDC,” the “Company,” or the “Developer”). This page is a summary. If anything here differs from your signed Agreement, the signed Agreement controls.

In this document, “SCDC,” “we,” “us,” and “our” mean S.H.A.R.E. Community Development Corp, a Texas corporation, together with its wholly owned subsidiaries and affiliated entities. SCDC may designate any wholly owned subsidiary or affiliated entity to perform its obligations, including to develop, hold title to, execute a purchase contract for, and convey a building. Doing so does not relieve SCDC of its obligations.

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

Important. The Agreement is a reservation of interest. It is not a real estate purchase contract, and it reserves the right — not the obligation — to enter into a future purchase contract. Because it is not a purchase contract, the Reservation Deposit is not held in escrow or in trust and does not earn interest.

The Reservation Deposit Is at Risk

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.

You could 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. This is a material term. If you require escrow protection, do not participate.

The Deposit Is Non-Refundable, With Limited Exceptions

The Reserving Party acknowledges and accepts that, except under the conditions below, reserving building(s) and then cancelling can cause potential financial harm to the Developer, and therefore the Reservation Deposit is 100% non-refundable — including if you simply change your mind.

The Four Refund Conditions

A 100% refund of the Reservation Deposit will be made, and the Reservation relinquished, upon the occurrence of any of the following four (4) conditions:

1. SCDC does not deliver a Purchase Contract for the Reserving Party to sign within five (5) years of the effective date of the Agreement.
2. The Reserving Party meets all of the Self-Certification conditions below at the time of the Agreement and at loan final-approval submission, and SCDC is unable to assist the Reserving Party in securing 100% financing approval for the Building(s) using its proprietary capital stack.
3. After executing the final Purchase Contract, the first-lien lender’s appraisal of the Building(s) is not equal to or greater than the purchase price in the Purchase Contract, or does not meet the lending criteria to receive 100% financing for the Purchase Contract.
4. SCDC does not construct the Community (see the “Termination of Agreement by Developer” section of the Agreement).

The Reserving Party shall not be held responsible for any denial by the lien holders.

When a Refund Is Not Issued

No refund is issued in circumstances including, without limitation:

• External Lender. The Reserving Party may elect lenders outside SCDC’s list of lenders (an “External Lender”) to finance any portion or all of the future Purchase Contract. Using an External Lender does not obligate SCDC to include the Developer Contribution and/or the seller-carried second lien. If an External Lender does not provide adequate financing to finalize the Purchase Contract, no refund is issued.
• Declining approved lien holder terms. If the Reserving Party does not accept the terms of any lien holder after being approved, the Reserving Party is not entitled to a refund.
• Declining a purchase. Declining the offered price, location, or a purchase for any other reason.
• Failing self-certification at financing. Not meeting the self-certification criteria at the time of financing.
• Voluntary termination. Terminating the reservation for any other reason.

Reserving Party Self-Certification (Summary)

To qualify for financing to finalize a future Purchase Contract, the Reserving Party self-certifies that the following will be met at the time of Sales Contract execution and the lending-approval process. This is a summary; the Agreement contains the full terms. SCDC does not verify these representations at the reservation stage and does not perform an underwriting, credit, or suitability analysis.

• Up to five (5) individuals may qualify together as a group under one Pre-Sale Agreement.
• The Building(s) must be purchased in a registered legal entity owned in full or in part by the Reserving Party, unencumbered, with an EIN and an active bank account at the time of signing the future Purchase Contract.
• Each signer has a FICO 8 credit score of 680 or higher with all three bureaus (Experian, TransUnion, and Equifax) at the time of financing.
• Verifiable annual income equal to or exceeding $50,000 for one individual, or $75,000 combined for a group of two to five individuals owning a registered legal entity.
• The Reserving Party is free of any legal restriction that would prevent entering into the Agreement, the final Purchase Contract, and financing.

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

Affiliate Relationships

The first lien lender will be selected from a group chosen by SCDC or an affiliate, and 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. SCDC sets the purchase price it offers, at or below a third-party appraised value it commissions. See the Program Disclosures and Risk Statement for the full conflict-of-interest disclosure.

How the Deposit Is Applied

If the Reserving Party proceeds with a Purchase Contract, the Reservation Deposit is applied toward the total earnest money due under that Purchase Contract.

Referral and testimonial reservations. An Investor-Purchaser who refers another Investor-Purchaser whose Reservation Deposit is received, or who provides a video testimonial, may receive an expanded reservation — the right to purchase five additional buildings in Year 5 and subsequent purchase years. No buildings are given free. If exercised, the purchaser pays the same purchase price, on the same financing terms, and the same per-building deposit, withheld at the time the sales contracts are executed rather than paid upfront. The right may be declined. See the Program Disclosures and Risk Statement for the full description.

Changes to This Page

SCDC may update this summary at any time, and the current version is the one posted here. An update to this page does not and cannot modify the terms of an Agreement you have already signed. Your signed Agreement governs, and may be changed only by a written instrument signed by both parties.

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, governed by 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 to it, or a Purchase Contract is governed by the arbitration provisions of those signed agreements, which control over this page.

Contact Us

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
Email: admin@scdctexas.com
Phone: 281-863-9929

This page is provided for general informational purposes and is not legal advice.
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