Regulatory Disclosures

1. Platform Nature and Independence

ClairVise (clairvise.com) is the personal finance knowledge and commentary platform of Rokibul Islam Bin Yousuf, FMVA®, CERM. It is operated independently in a personal capacity and is:

• Not affiliated with any employer, financial institution, or regulated entity
• Not a licensed investment adviser, broker-dealer, or financial services provider
• Not engaged in any regulated activity under Bangladeshi securities or financial law
• Not producing research in any professional or regulated capacity

The views expressed on this Platform are strictly personal and do not represent the views, opinions, or positions of any current or former employer.

2. Professional Capacity Separation

The author is employed as a Manager, Investment Banking at Prime Bank Investment PLC., Dhaka, Bangladesh. This employment relationship has no bearing on any content published on this Platform. Specifically:

• No content on this Platform is produced in the course of employment
• No client information, proprietary research, or confidential data is used or disclosed
• No transaction-related advice or commentary is given on behalf of the employer
• Publication of content on this Platform does not require, and has not received, employer endorsement

Any reference to past transactions or professional experience is made solely to establish the author's background and credentials, using only information that is already in the public domain.

3. Not Investment Advice

Nothing on this Platform constitutes investment advice, a financial recommendation, an offer to buy or sell securities, or a solicitation of any kind. The author is not a registered investment adviser and does not provide investment advisory services.

All market commentary, analysis, and opinions are for informational and educational purposes only. Past performance references are illustrative and not indicative of future results. Any person making investment decisions based on content published on this Platform does so entirely at their own risk.

4. No Client Relationship

Visiting this Platform, engaging with its content, booking a conversation, or communicating with the author does not create any investment adviser-client, fiduciary, broker-client, or professional services relationship of any kind.

No ongoing advisory, management, or reporting obligation is created through any interaction with this Platform.

5. Conflicts of Interest

The author holds employment in the investment banking sector and may, from time to time, publish commentary on sectors, companies, or instruments that are relevant to that professional context. In such cases:

• Only publicly available information is used
• No material non-public information (MNPI) is disclosed or alluded to
• Commentary is general in nature and does not relate to specific live transactions
• The author maintains full compliance with all applicable employer policies on external communications

If a material conflict of interest arises with respect to any specific content, a disclosure note will be included in that content.

6. Certifications and Credentials

The author holds the following professional credentials, which are displayed on this Platform for informational purposes:

• FMVA® (Financial Modeling & Valuation Analyst) — Corporate Finance Institute, Canada
• CERM (Certified Expert in Risk Management) — BIBM–Frankfurt School Joint Program
• CFA Level I — CFA Institute

These credentials do not confer a regulatory licence to provide investment advice and are disclosed solely to establish professional background and analytical competence.

7. Applicable Law and Jurisdiction

This Platform is operated from Dhaka, Bangladesh. The author complies with applicable Bangladeshi laws governing public communications, securities commentary, and professional conduct. Content is published in compliance with all relevant employer policies and applicable regulatory frameworks including, but not limited to, the Bangladesh Securities and Exchange Commission (BSEC) Act and applicable Bangladesh Bank guidelines.

8. Reporting Concerns

If you have concerns about any content on this Platform — including concerns about potential regulatory non-compliance or conflicts of interest — please contact the author directly.