IMPORTANT NOTICE

This Foreign Buyer Disclosure applies to all users, customers, visitors, subscribers, investors, property owners, buyers, sellers, landlords, tenants, brokers, agents, developers, contractors, lenders, vendors, and other parties interacting with LiBe Holdings, S.A.S., and any of its parents, subsidiaries, affiliates, successors, assigns, related entities, controlled entities, commonly controlled entities, licensed operators, authorized representatives, officers, directors, employees, contractors, agents, brokers, partners, and service providers (collectively, “LiBe,” “Company,” “we,” “our,” or “us”).

By accessing, browsing, registering for, purchasing, subscribing to, communicating with, or otherwise using any website, application, platform, marketplace, communication channel, listing service, marketing service, advertising service, investment-related service, software, content, digital product, subscription service, or related offering operated by LiBe, you acknowledge and agree to be bound by this Disclosure and all related legal policies.

This Foreign Buyer Disclosure (“Disclosure”) applies to all individuals, entities, trusts, partnerships, corporations, investment groups, funds, and other parties who are considering, evaluating, negotiating, purchasing, leasing, financing, investing in, or otherwise acquiring interests in real estate located outside their country of citizenship, residence, incorporation, or principal place of business.

By accessing information regarding international real estate opportunities through LiBe Holdings SAS (“LiBe,” “Company,” “we,” “our,” or “us”), you acknowledge that you have read, understood, and accepted this Disclosure.

1. NO GUARANTEE OF ELIGIBILITY TO PURCHASE

Foreign ownership laws vary significantly among countries, states, provinces, territories, municipalities, and special economic zones.

LiBe does not guarantee that any foreign individual or entity may legally:

• Purchase property
• Hold title
• Lease property
• Develop property
• Finance property
• Operate businesses on the property
• Acquire ownership interests

Users are solely responsible for determining eligibility under applicable law.

2. INDEPENDENT LEGAL REVIEW REQUIRED

Foreign buyers are strongly encouraged to obtain independent advice from:

• Licensed attorneys
• Tax advisors
• Accountants
• Financial advisors
• Immigration advisors
• Surveyors
• Title professionals

before entering into any transaction.

LiBe does not provide legal, tax, immigration, accounting, or financial advice.

3. NO IMMIGRATION BENEFITS GUARANTEED

Ownership of real estate does not automatically grant:

• Residency
• Citizenship
• Permanent residence
• Investor visas
• Work permits
• Tax benefits

Any immigration-related information is provided solely for general informational purposes.

Users must verify immigration requirements independently.

4. FOREIGN OWNERSHIP RESTRICTIONS

Certain jurisdictions may restrict foreign ownership of:

• Agricultural land
• Coastal property
• Border-area property
• Government-owned land
• Strategic assets
• Protected areas

Restrictions may change without notice.

LiBe does not guarantee that a foreign buyer may legally acquire any particular property.

5. TAX DISCLOSURE

International real estate ownership may create tax obligations, including:

Local Taxes

• Property taxes
• Transfer taxes
• Capital gains taxes
• Registration taxes
• Municipal taxes

Foreign Taxes

• Reporting obligations
• Foreign asset disclosures
• Wealth taxes
• Estate taxes
• Inheritance taxes

International Tax Issues

• Double taxation
• Withholding taxes
• Foreign tax credits
• Treaty considerations

Buyers are solely responsible for obtaining tax advice.

6. CURRENCY RISK DISCLOSURE

Cross-border transactions may expose buyers to:

• Exchange rate fluctuations
• Currency controls
• Capital restrictions
• Banking limitations

Currency values may change substantially before, during, or after a transaction.

LiBe assumes no responsibility for currency-related losses.

7. FINANCING DISCLOSURE

Financing availability varies by jurisdiction.

Foreign buyers may experience:

• Higher interest rates
• Increased down payment requirements
• Additional documentation requirements
• Banking restrictions
• Regulatory limitations

LiBe does not guarantee financing approval.

8. TITLE AND OWNERSHIP DISCLOSURE

Property ownership systems vary by jurisdiction.

Buyers should independently verify:

• Title status
• Ownership history
• Encumbrances
• Liens
• Easements
• Restrictions
• Mortgages
• Pending litigation

LiBe does not guarantee the quality or marketability of the title.

9. PROPERTY CONDITION DISCLOSURE

LiBe recommends obtaining independent inspections regarding:

• Structural condition
• Mechanical systems
• Environmental issues
• Utility services
• Construction quality
• Compliance with local codes

Buyers assume responsibility for due diligence.

10. MARKET RISK DISCLOSURE

Property values may:

• Increase
• Decrease
• Remain unchanged

Market conditions are influenced by:

• Economic trends
• Political developments
• Regulatory changes
• Natural disasters
• Demographic changes

LiBe makes no guarantees regarding appreciation or investment performance.

11. RENTAL INCOME DISCLOSURE

Projected rental income is not guaranteed.

Actual performance may differ due to:

• Market conditions
• Vacancy
• Tenant default
• Maintenance costs
• Regulatory changes
• Competition

Any projections are estimates only.

12. NO INVESTMENT GUARANTEE

LiBe does not guarantee:

• Return on investment
• Profitability
• Occupancy rates
• Rental yields
• Resale value
• Appreciation

All investments involve risk, including the possible loss of capital.

13. ANTI-MONEY LAUNDERING (AML) COMPLIANCE

LiBe reserves the right to request:

• Identity verification
• Source-of-funds documentation
• Corporate ownership information
• Beneficial ownership information

LiBe may refuse services where compliance concerns arise.

14. SANCTIONS COMPLIANCE

LiBe reserves the right to refuse transactions involving parties subject to:

• Economic sanctions
• Trade restrictions
• Government prohibitions
• Regulatory restrictions

Applicable laws may require screening and reporting.

15. CROSS-BORDER REGULATORY RISKS

Foreign buyers may be subject to:

• Reporting obligations
• Registration requirements
• Currency regulations
• Capital controls
• Foreign investment regulations

Users are responsible for compliance.

16. NO GUARANTEE OF REGULATORY APPROVALS

Certain transactions may require:

• Government approvals
• Municipal approvals
• Foreign investment registrations
• Environmental permits

LiBe does not guarantee approval.

17. NO FIDUCIARY RELATIONSHIP

Nothing in this Disclosure creates:

• Fiduciary duties
• Trustee relationships
• Investment advisory relationships
• Custodial obligations

unless expressly agreed in writing.

18. LIMITATION OF LIABILITY

To the fullest extent permitted by law, LiBe shall not be liable for:

• Investment losses
• Tax liabilities
• Regulatory penalties
• Currency losses
• Financing denials
• Immigration denials
• Transaction failures
• Property defects

Users assume responsibility for independent due diligence.

19. INTERNATIONAL APPLICABILITY

This Disclosure is intended to apply throughout:

• United States
• Puerto Rico
• Canada
• Mexico
• Central America
• South America
• Caribbean jurisdictions

Where local law grants mandatory rights, those rights shall apply.

All remaining provisions shall remain enforceable to the fullest extent permitted by law.

20. GOVERNING LAW

This Disclosure shall be governed by the laws of the Republic of Colombia.

21. JURISDICTION

Except where prohibited by mandatory law, disputes shall be subject exclusively to the courts located in:

Barranquilla, Atlántico, Colombia

LiBe Holdings SAS
NIT: 902-043-981

Barranquilla, Atlántico, Colombia

Questions regarding foreign ownership, cross-border transactions, regulatory compliance, or this Disclosure should be directed to: legal@letslibe.com

Last Updated: September 7, 2026