Mandatory Disclaimer (Read Carefully): This document is provided strictly for informational and discussion purposes only and does not constitute, and may not be relied upon as, an offer to sell, a solicitation of an offer to buy, or a recommendation to purchase or sell any securities or investment products in any jurisdiction. This material does not constitute investment, legal, tax, accounting, or other professional advice, and no person should rely on the contents herein as the basis for any investment decision.
No representation or warranty, express or implied, is made as to the accuracy, completeness, or reliability of the information contained herein. All information is subject to change without notice and may be updated, amended, or withdrawn at any time without obligation. Any projections, forecasts, forward-looking statements, or expectations are inherently uncertain, are based on assumptions that may not materialize, and should not be relied upon.
Net Asset Value (NAV) calculations referenced herein are derived using a linear mark-to-model methodology incorporating variable discount rate cash flow appreciation to forecasted policy asset maturity. Such methodologies are inherently subjective, involve significant assumptions, and may not reflect actual realizable value. Investors must refer exclusively to the detailed valuation policy described in the applicable Series Memorandum that are inherently subject to change and variance at any time.
This document is qualified in its entirety by, and must be read in conjunction with, the applicable Series Memorandum and all related offering documents (collectively, the "Offering Documents"), which alone contain the definitive terms, conditions, disclosures, and risk factors. In the event of any inconsistency, the Offering Documents shall control in all respects.
This material is strictly intended for licensed financial professionals located in Latin America. It is not directed to, and must not be distributed to or relied upon by, any person or entity in the United States or in any jurisdiction where such distribution or use would be unlawful or require registration or licensing not obtained. Any unauthorized distribution is strictly prohibited.
Winterleaf acts solely as a supplier and marketer on behalf of the issuer and does not act as a fiduciary, investment advisor, or agent for any investor. No fiduciary duty is owed by Winterleaf to any recipient of this material. Broker-dealers, financial advisors, and intermediaries are solely responsible for all representations made to clients and for ensuring that clients are directed to, and fully understand, all risk disclosures contained in the Offering Documents.
The underlying investment involves life settlement assets. The Series Memorandum permits the acquisition of policies that may have credit ratings or characteristics outside of any general parameters described herein. Such assets carry material risks, including but not limited to longevity risk, credit risk, liquidity risk, valuation risk, regulatory risk, and counterparty risk. Life settlements are complex, illiquid, and inherently risky investments and are not suitable for all investors.
Premium obligations may not be fully prepaid in all cases and, where not prepaid, must be funded on an ongoing basis. Where premium prepayment is utilized, such prepayment is typically limited to the estimated life expectancy of the insured and may prove insufficient, requiring additional capital contributions. Failure to maintain required premium payments may result in partial or total loss of investment.
Any references to income, yield, distributions, or returns are purely illustrative. Annual income payments, coupon payments, cash reserves, investment grade policy ratings, redemptions, and investment returns are not guaranteed, may be delayed, reduced, or eliminated, and are subject to the terms, limitations, and risks described in the Offering Documents.
Early redemptions, where permitted, are subject to restrictions, delays, and potential penalties, including the possibility of receiving less than the invested amount or no proceeds at all. There is no assurance of liquidity. Investors may be required to hold the investment for an indefinite period. Redemption requests may be deferred, suspended, or processed in subsequent periods in accordance with the Offering Documents. The timing and amount of any redemption are uncertain and subject to multiple contingencies.
Past performance, if any, is not indicative of future results. No guarantee is made that any investment objectives will be achieved or that any investor will receive a return of capital. Loss of the entire investment is possible.
By receiving this document, the recipient acknowledges that they are solely responsible for conducting their own independent investigation and due diligence and for obtaining independent advice from qualified legal, tax, financial, and other professional advisors prior to making any investment decision. Reliance on this document is strictly prohibited.