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INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

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INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

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INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

Getting to know you.

We are not permitted to provide you with information about our investment product unless you are classed as a High Net Worth Investor, Certified Sophisticated Investor or Self-Certified Sophisticated Investor.

Please read the Investor Categorisation statements, as defined by the Treasury, and select the most applicable to you.
If you do not meet one of the categories, please select “None of these categories apply” or exit the site here as this type of investment is not suitable for you.

High Net-Worth Investor

You have, throughout the financial year preceding today's date, an annual income to the value of £100,000 or more, or hold net assets of at least £250,000.

Self-Certified Sophisticated Investor

A self-certified investor who has made more than one investment in an unlisted company in the last 2 years prior to today’s date; or
A member of a network or syndicate of business angels and have been so for at least six months prior to today’s date: or
in the last two years prior to today’s date, is working, or have worked, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; or
is currently or have been in the two years prior to todays date, a director of a company with an annual turnover of at least £1 million.

Certified Sophisticated Investor

You have a written certificate signed within the last 36 months by a firm confirming you have been assessed as sufficiently knowledgeable to understand the risks associated with engaging in investment activity in Speculative Illiquid Securities, and have signed, within the past 12 months from today’s date that statement.

None of these categories apply

Unfortunately, for regulatory reasons, as you are not one of the permitted customer groups we regret that we are unable to allow you to progress any further.

Risk Warning

, this is a high-risk investment. How would you feel if you lost the money you’re about to invest?
Take 2 mins to learn more.

By clicking continue, you agree to receive the financial promotions. If would you no longer like to receive the financial promotion, you are free to leave the investment journey here.

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INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

High Net-Worth Investor Statement

Please confirm whether you qualify as a high net-worth investor on the basis that A or B apply to you.

In the last financial year did you have:

A. An annual income of £100,000 or more? Income does NOT include any one-off pension withdrawals.

If yes, please specify your income (as defined above) to the nearest £10,000 in the last financial year:

Income

B. Net assets of £250,000 or more? Net assets do NOT include: your home (primary residence), your pension (or any pension withdrawals) or any rights under qualifying contracts of insurance.

If yes, please specify your net assets (as defined above) to the nearest £100,000 in the last financial year:

Income

C. None of these apply to me.

I accept that being a high-net-worth investor will expose me to promotions for investments where there is a significant risk of losing all the money I invest. I am aware that it is open to me to seek professional advice before making any investment in a high-risk investment.

Signature

Use your mouse cursor or the tip of your finger to sign below:

Date:

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

Self-Certified Sophisticated Investor Statement

Please confirm whether you qualify as a self-certified sophisticated investor on the basis that A, B, C or D apply to you.

In the last two years have you:

A. Worked in a private equity or in the provision of finance for small and medium enterprises?

If yes, what is/was the name of the business or organisation?

B. Been the Director of a company with an annual turnover of at least £1 million?

If yes, what is/was the name of the company?

C. Made two or more investments in an unlisted company?

If yes, how many investments in unlisted companies have you made in the last two years?

D. Been a member of a network or syndicate of business angels for more than six months?

If yes, what is the name of the network or syndicate?

E. None of these apply to me.

I accept that being a self-certified sophisticated investor will expose me to promotions for investments where there is a significant risk of losing all money I invest. I am aware that it is open to me to seek advice from someone who specialises in advising on Non-Mass Market Investments.

Signature

Use your mouse cursor or the tip of your finger to sign below:

Date:

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

INVESTOR REGISTRATION

Account Details

Investor Certificate

Email Verification

Certified Sophisticated Investor Statement

Please confirm whether you qualify as a Certified Sophisticated investor on the basis that A or B apply to you.

Please confirm whether you qualify as a sophisticated investor on the basis that in the last three years you have received a certificate from an authorised firm confirming you understand the risks involved with Non-Mass Market Investments.

You do have a written certificate as outlined above.

If yes, what is the name of the authorised firm?

This doesn't apply to me.

I accept that being a self-certified sophisticated investor will expose me to promotions for investments where there is a significant risk of losing all money I invest. I am aware that it is open to me to seek professional advice before making any investment in a high-risk investment.

Signature

Use your mouse cursor or the tip of your finger to sign below:

Date:

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

Preliminary Assessment

Please answer the following questions so that we can understand your investment knowledge and experience. We are sorry if this appears a little intrusive. These are FCA regulations and we must ensure our investments and financial promotions are suitable for you before you access further information.

1.What is your primary objective for lending/investing with Somo?

2.What lending investment experience do you have in short term bridging loans secured over property and/or loans secured over property viacrowdfunding/P2P platforms?

3.In relation to investing in loans secured over property, how many loans/investments have you made?

4.How well do you understand the structure of Somo loans/investments? Please select which statement you feel is most appropriate:

My loan agreement is with Somo. It is an unsecured loan with the benefit of a trust arrangement, which holds the legal mortgages secured over the property with the borrower on behalf of me as a beneficiary. If Somo were to stop trading or become insolvent, then these security interests are ring fenced from the Somo insolvency. The liquidator or administrator should be obliged to recognise the trust arrangements and use the property in trust to return capital and interest to the relevant Lenders (and not apply these assets towards Somo’s creditors generally).

My loan agreement is directly with the borrower, and as a result, I have a direct contractual relationship with the borrower. I own part of the legal mortgage used a security. In the event of Somo’s insolvency, I would be able to pursue the borrower directly.

5.What is your intended duration for maintaining your investment(s) with Somo?

6.If the return rate you receive is reduced significantly, or you are unable to exit the investment within the preferred timeframe, or you experienced a capital loss on your investment, how would this affect your standard of living?

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If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

Preliminary Assessment

7.Where are your lending investment funds primarily from?

8.Which of the following statements about risks do you believe to be correct with this type of lending and investment product? Please select as many as you feel appropriate:

My investment is at risk from a property market crash

My investment is at risk from a platform/company insolvency

My investment is at risk from fraud or negligence on behalf of a borrower, solicitor or surveyor involved in the transaction

My investment is at risk of losing all capital and all interest

My investment is not at risk because the loan is secured over UK property

My investment is not at risk because Somo will guarantee me for any loss

There is a reduced risk as I can always sell my loan on the secondary market

9.Are there any circumstances that might adversely affect your financial circumstances in the next 3 months?

10.With regards to Somo and the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman (FOS), which statement do youbelieve is the most true?

11.With regards to how you would manage your lending investment, what is your plan?

12.If you are comfortable with our investment proposition and rates of return, how much do you wish to lend?

I confirm that I have read or will read the FAQ’s AND RISKS associated with lending and that I will seek financial advice if I am unclear of therisks associated with lending via Somo. I understand the RISKS stated on the website and I understand that there are also other unknown risks. I will not lend more than I can afford to lose.

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If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

INVESTOR REGISTRATION

Terms and Conditions

Global Lender Provisions

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The Declaration of Trust

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Please read these updated Terms and Conditions (Global Lender Provisions, the Declaration of Trust and Loan certificate) before you proceed. By clicking ‘Confirm’, you confirm that you accept, and all sub accounts that you manage then accept, these updated Terms and Conditions that will govern the relationship between Somo and you as a Lender.

You have not passed Somo’s Preliminary Assessment

After consideration of your assessment responses, we regret to inform you that we deem Somo's investment product unsuitable for your current financial situation.

We understand that this news may be disappointing but our goal is to safeguard your financial interests and prevent potential negative consequences.

If you have any questions or concerns regarding this decision, get in touch with out investor relations team investors@somo.co.uk.

You have successfully passed Somo’s Preliminary Assessment

We’re pleased to inform you that the responses you have provided qualifies you to be a registered investor with Somo.

Due to FCA regulations, we must now provide you with a 24-hour cooling off period to consider whether the investment is suitable for you before you can access our Live Loans. Look out for an email and/or text in 24-hours time that will direct you right back to where you left off.

In the mean time, you can find out more about Somo here.

We thank you for your patience. If you have any questions, please don't hesitate to contact us at investors@somo.co.uk.

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to continue to invest on our property lending platform at this time.

If you believe this is a mistake, please get in touch with our Investor Relations team at investors@somo.co.uk

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

We have your application

We are currently reviewing your application and will be back in touch before long.

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

1. You could lose all the money you invest

If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.
Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

2. You are unlikely to be protected if something goes wrong

The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here.
The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm. Learn more about FOS here.

3. You are unlikely to get your money back quickly

This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money.
You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

4. This is a complex investment

This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests in, other businesses or property. This makes it difficult for the investor to know where their money is going.
This makes it difficult to predict how risky the investment is, but it will most likely be high.
You may wish to get financial advice before deciding to invest.

5. Don’t put all your eggs in one basket

Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.