Legal & Disclosures

NWX Consorcio is a brand name of NWX Consorcio LP, a Delaware Limited Partnership. NWX Management LLC serves as the General Partner and professional administrator of NWX Consorcio LP, replicating the role of a licensed administrator as established by the Brazilian consorcio model regulated by the Central Bank of Brazil under Law 11.795/2008. NWX Consorcio is not a bank, not a lender, and does not accept deposits. Inspired by over 60 years of Brazilian consorcio regulation, NWX Consorcio has been adapted for operation in the United States as a structured collective asset acquisition program.

All participant contributions are held in segregated custodial accounts at FDIC-insured U.S. banking institutions, completely separate from the operational funds of NWX Management LLC. NWX Management LLC cannot access, redirect, or use participant funds for any purpose other than participant benefit as defined in the Offering Circular. FDIC insurance covers funds held at member institutions up to applicable limits. NWX Consorcio LP is not itself FDIC-insured. Participant contributions to the common fund are at-risk as defined in the Participant Agreement.

NWX Consorcio charges a fixed administrative fee of 19% applied to the credit letter value and distributed across the full term of the participant's plan. This fee is not interest and does not accrue daily. The 19% fee is all-inclusive: 5% Reserve Fund (group delinquency protection), 2% Directors & Officers Insurance (governance liability coverage), 12% Professional fund administration by NWX Management LLC. No origination fee, monthly service fee, or additional charges apply. Savings comparisons are based on standard amortization calculations using published market rates from the Federal Reserve, Freddie Mac Primary Mortgage Market Survey, and other public sources. Individual results may vary.

Participation in NWX Consorcio does not constitute an investment in securities, a savings account, a deposit product, or an insurance contract. Participants have no expectation of financial profit, interest, dividends, or capital appreciation. The credit letter received upon contemplation represents purchasing power equal to the value selected, not a financial return. NWX Consorcio LP has filed a Form D notice with the U.S. Securities and Exchange Commission under applicable federal exemptions.

Allocation timing is not guaranteed. NWX Consorcio holds monthly group assemblies in which contemplation is determined by the combined absolute value of three factors: bid amount (if any), payment punctuality history, and seniority within the group. Every participant in good standing will eventually receive their credit letter. NWX Consorcio does not guarantee a specific contemplation date. Bid payments are due only if the participant is selected. Two bid types are available: Financial Bid (additional cash amount, paid only if contemplated) and Embedded Bid (up to 20% deducted from credit letter value, no cash required upfront).

NWX Consorcio operates in compliance with applicable federal regulations including: SEC Regulation D Rule 506(c) (structured offering exemption), FTC Consumer Protection Guidelines (full disclosure standards), BSA/AML Requirements (applicable federal compliance). The Offering Circular provided to every participant upon enrollment follows FTC disclosure standards and contains complete participation terms. This website does not constitute financial, legal, investment, or tax advice. Participants are advised to consult a licensed attorney or financial advisor before enrolling.

NWX Consorcio credit letters may be used for the acquisition of: Real estate, Vehicles, Commercial property, Other qualifying goods as defined in the Offering Circular. Asset eligibility is subject to program criteria and participant compliance with all contractual obligations. Credit letters are not transferable and may not be used for purposes other than asset acquisition as defined in the Offering Circular.

The FICO® Score building option is an opt-in feature available to eligible participants. NWX Consorcio reports participant payment history to Equifax, Experian, and TransUnion upon participant election. Credit reporting is subject to participant eligibility and applicable Fair Credit Reporting Act requirements. FICO® is a registered trademark of Fair Isaac Corporation. NWX Consorcio is not affiliated with Fair Isaac Corporation. Individual credit score results may vary and are not guaranteed.

NWX Consorcio is not a rotating savings and credit association (ROSCA), tanda, cundina, savings club, or informal savings pool. NWX Consorcio is a professionally managed Delaware Limited Partnership with institutional custody, contractual governance, D&O insurance, a reserve fund, and full participant disclosure, structurally equivalent to a licensed Brazilian administrator operating under U.S. law.

FICO® is a registered trademark of Fair Isaac Corporation. Equifax®, Experian®, and TransUnion® are registered trademarks of their respective owners. NWX Capital Group LLC, NWX Consorcio LP, and NWX Management LLC are independent entities with no affiliation, sponsorship, or endorsement by any aforementioned company or by the Central Bank of Brazil.

NWX Consorcio operates three physical offices: Atlanta (HQ): 1165 Northchase Pkwy, Ste 470, Marietta, GA 30067. Orlando: 2121 S Hiawassee Rd, Orlando, FL 32835. Miami Area: 1937 E Atlantic Blvd, Ste 106, Pompano Beach, FL 33060.

Full participant agreements and the Offering Circular are provided to every participant prior to enrollment and available upon request. For legal inquiries: legal@nwxconsorcio.com. Last updated: April 2026.