Disclaimer

Last updated: March 2026

Disclaimer

This website is issued by Colter Bay Capital FM Pty Ltd (ABN 66 691 340 306) (Colter Bay Capital) as a Corporate Authorised Representative (CAR 001318150) of Polar 993 Advisory Pty Ltd (ACN 649 554 932) (AFSL 531197) (Polar Advisory). Colter Bay Capital's authority under its Corporate Authorised Representative Agreement with Polar Advisory is limited to general advice regarding The Colter Bay Private Credit Fund only to wholesale clients. Polar 993 Limited (ACN 642 129 226) (AFSL 525458) (Polar 993) is the trustee of The Colter Bay Private Credit Fund.

This website is provided for use only by the recipient as a wholesale client under the Corporations Act 2001 (Cth). The information contained in this website is of a general nature only and is not to be taken to contain any financial product advice or recommendation. Nothing in this website is intended as financial product advice and it does not take into account any person's investment objectives, financial circumstances or specific needs.

This website is neither an offer to sell nor a solicitation of any offer to acquire interests or any other investment and should not be used as the basis for making an investment in The Colter Bay Private Credit Fund.

Colter Bay Capital, Polar 993 and Polar Advisory and their directors, officers, employees, agents or associates do not guarantee repayment of capital, the performance of any fund or any service. Past performance is not a reliable indicator of future performance.

Investment Risks

Investment in private credit involves significant risks, including but not limited to:

• Credit Risk: Issuers may default on their obligations, resulting in loss of principal.
• Illiquidity Risk: Private credit investments are illiquid and may not be readily redeemable.
• Market Risk: Economic conditions may adversely affect the value of investments.
• Interest Rate Risk: Changes in interest rates may affect returns.
• Concentration Risk: The portfolio may be concentrated in particular sectors or issuers.
• Operational Risk: Losses may arise from inadequate processes, people, or systems.
• Leverage Risk: The fund may utilise a liquidity facility as part of investment funding. Leverage can amplify both gains and losses.
• Key Person Risk: The fund's performance depends significantly on the expertise and judgment of key investment personnel. The departure of key individuals could adversely affect fund performance and operations.
• Valuation Risk: The fund invests in illiquid private credit assets that are not traded on public markets. Valuations are based on models and estimates and therefore there is a risk that the valuation of a security (and the portfolio as a whole) at certain points in time may differ from the amount that could be realised if forced to do so e.g. under a forced sale scenario.
• Regulatory Risk: Changes to laws, regulations, or government policies (including tax laws) may adversely affect the fund's operations, the value of its investments, or returns to investors.

Past performance is not a reliable indicator of future performance. Investment performance (including the return of your capital) is not guaranteed.

Third-Party Information

This website may contain information from third-party sources. While we believe these sources to be reliable, we make no representation or warranty as to their accuracy or completeness.

Complaints & Dispute Resolution

If you have a complaint about the financial services provided by Colter Bay Capital, please contact our licensee, Polar 993 Advisory Pty Ltd:

• Email: compliance@polar993.com
• Phone: +61 3 9507 2544
• Address: Level 5, 476 St Kilda Road, Melbourne VIC 3004

If your complaint is not resolved to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme. Polar 993 Advisory Pty Ltd is a member of AFCA (Member No. 11629).

• Phone: 1300 931 678
• Email: info@afca.org.au
• Website: www.afca.org.au
• Address: GPO Box 3, Melbourne VIC 3001