Disclaimers

General Disclaimers: The information contained herein is as of [DATE], unless otherwise noted. The information and its contents are the property of Ribbit Capital (“Ribbit”).

Additional important information about Ribbit, including our Form ADV Part 2A Brochure, is available at the SEC's website: http://www.adviserinfo.sec.gov.

Registered Investment Adviser Disclosure: Ribbit is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training.

Not a Securities Offering or Offering of Investment Advice. This Site, and anything contained herein, does not provide investment advice or strategies to any individual or entity and is not intended to constitute an offer to sell or buy any securities. Any such offer or solicitation will only be made through formal offering materials. The investments and strategies discussed on this Site may not be suitable for all investors and are not obligations of or guaranteed by Ribbit or any of its affiliates. The investments are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other entity and are subject to investment risks, including the loss of the principal amount invested. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision. Decisions based on this Site are the sole responsibility of the user. If you would like investment, accounting, tax or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs. All Content is presented only as of the date published or indicated and may be superseded by subsequent market events or other circumstances. You are responsible for refreshing your screen or setting the cache settings on your Internet browser to ensure you are viewing the most current version of the Site.

Looking Forward: The Content on the Site may contain forward-looking statements that are based on beliefs, assumptions, current expectations, estimates, and projections about the financial industry, the economy, Ribbit itself or its investments. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. Furthermore, Ribbit undertakes no obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events, or otherwise.

Past Performance: Any performance-related Content on the Site is exclusively an indication of past performance. Ribbit makes no representation that any investment or transaction will result in profits or losses similar to those achieved in the past, or that significant losses will be avoided. Certain companies represent past and present investments made by multiple Ribbit Funds which may have different strategies, including with respect to degree of governance or involvement by Ribbit. Some information herein may reflect our strategic principles and historic performance from which we have developed general theses, but there is no guarantee that historical trends will continue into the future or that our strategy and principles will ultimately prove to be correct.

Disclaimer Regarding Presentation of Subset of Portfolio Companies: The portfolio companies shown represent a substantial portion of Ribbit's current and past portfolio companies in active Ribbit strategies (i.e., those that are currently in their investment period). Certain portfolio companies among the active strategies have been excluded for a variety of reasons such as, but not by limitation, due to their confidential nature, size or nature of ownership interest, or otherwise for non-performance based reasons subject to Ribbit's discretion. The portfolio companies identified here, because they comprise only a subset of all portfolio companies, are not representative of all of the investments made by each Ribbit Fund. It should not be assumed that Ribbit's investments in the portfolio companies included herein have been or will be profitable. Some portfolio companies have been invested in by multiple Ribbit Funds, and the actual holdings may vary for each Fund. While Ribbit generally targets and structures investments which are downside protected to limit risk of capital loss with potential for equity upside, there can be no assurances that the downside protection of Ribbit investments will mitigate losses or reduce losses compared to traditional private equity investments or credit funds or that Ribbit's overarching investment objectives will be achieved.

Financial Information Disclosure: This website may contain information that includes or is based upon forward-looking statements within the meaning of federal securities laws. Forward-looking statements are made based on Ribbit's current expectations and beliefs concerning future developments and their potential effects. You can identify these statements by the fact that they do not relate solely to historical or current facts. They generally include words such as “believe”, “expects”, “anticipates”, “intends” and similar words. There can be no assurance that future developments will be in accordance with Ribbit's expectations or that the effect of future developments will be those anticipated by Ribbit. The following important factors, risks and uncertainties are among those that may affect such statements: (a) changes in performance of financial markets and interest rates; (b) development of new financial products; and (c) regulatory, accounting or tax changes that may affect the cost of, or demand for, our financial products or services. While Ribbit periodically reassesses material factors, risks and uncertainties, we do not intend to revise any forward-looking statements to reflect changes in events, circumstances or expectations or to reflect the occurrence of unanticipated events after the date on which a statement is made.