Conversation Preparation Sheet

1 What the Conversation Is

The first conversation is a private, direct discussion between you and Czar. It is not a sales call. It is not a pitch. It is an honest exchange of information designed to help both parties determine whether the arrangement is appropriate.

The conversation typically covers:

• How the arrangement works in plain terms.
• The 80/20 profit-sharing structure.
• The promissory note and what it contains.
• The withdrawal policy and what "subject to liquidity" means in practice.
• The risk disclosure — including the January 2026 loss event.
• Your specific questions and concerns.
• Whether the arrangement is appropriate for your situation.

2 What to Read Before the Conversation

Reading the following documents before the conversation will make the discussion more productive and ensure you arrive with a baseline understanding of the arrangement:

• The Office — What We Are, In Plain Terms — the full plain-English explanation of what the arrangement is and how it works.
• Risk Disclosure Statement — the complete risk disclosure, including the January 2026 loss event.
• Frequently Asked Questions — 20 common questions answered directly.
• Track Record — the full monthly performance history, including all loss months.
• Sample Promissory Note — the standard terms used in the arrangement.

3 What to Bring

Use this checklist to prepare for the conversation:

• A list of your questions — written down in advance.
• A clear sense of how much you are considering lending (a range is fine).
• An honest assessment of whether you can afford to lose the amount entirely.
• Any concerns you have about the arrangement — bring them directly.
• An open mind. The conversation may confirm the arrangement is right for you, or it may confirm it is not.

4 Questions to Consider Asking

These are questions that prospective Members commonly ask. You are welcome to ask any or all of them:

5 What Czar Will Ask You

The conversation goes both ways. Czar will also ask you questions to determine whether the arrangement is appropriate. These typically include:

• How you know the founders, officers and staff of Abilities Finance, LLC, and the nature of your relationship.
• Whether you have read the risk disclosure and understand the risks.
• Whether the amount you are considering is money you can genuinely afford to lose.
• Whether you have any questions or concerns that have not been addressed.
• Whether you want to take time to consult with a lawyer or financial advisor before proceeding.

Czar reserves the right to decline any arrangement that does not feel appropriate — regardless of the amount involved.

6 What Happens After the Conversation

After the conversation, one of three things happens:

1. Both parties agree to proceed. A promissory note is prepared, reviewed by both parties, and signed. Funds are transferred only after the note is executed.
2. One or both parties decide not to proceed. This is a completely acceptable outcome. There is no pressure, no follow-up, and no hard feelings.
3. One or both parties want more time. There is no deadline. Take whatever time you need.

7 What the Conversation Is Not

• It is not a sales call. Czar is not trying to persuade you.
• It is not a commitment. No obligation is created by having the conversation.
• It is not a guarantee of returns. Past performance is disclosed honestly, including losses.
• It is not a public offering. This arrangement is exclusively for people with a pre-existing personal relationship with Czar.

8 Related Resources