This Prospectus describes the structure, administration, and operation of pooled capital funds (each, a “Fund,” and collectively, the “Funds”) administered by Mutual Frontier LLC, a limited liability company (the “Company”), and the offering of participation interests therein (“Participation Interests”).

The Company is not organized or licensed as an insurance company, does not issue insurance policies, and does not provide insurance coverage. The Funds are privately administered pooled capital arrangements designed to facilitate defined risk participation among eligible participants (“Participants”). Any loss participation or capital allocation arising from defined catastrophic events is limited to the capital available within the applicable Fund and is subject to the terms, limitations, and conditions described herein.

Participation Interests represent contractual capital participation rights within a pooled fund structure. Participation Interests do not constitute insurance policies, bank deposits, guaranteed obligations, or instruments insured or guaranteed by any governmental authority. Participation Interests do not provide assurance of protection, capital preservation, or return of contributed capital.

Participation involves the contribution of capital to a Fund, the establishment of an individual capital account (“Capital Account”), and exposure to partial or total loss of contributed capital. Allocations of loss, if any, are limited to the assets of the applicable Fund and are determined in accordance with the governing Fund documents. The Company makes no representation or guarantee regarding the availability, timing, or sufficiency of any loss allocation.

Participation Interests are illiquid, are not transferable except as expressly permitted, and are intended for long-term participation. Prospective Participants should carefully review this Prospectus and all governing documents prior to participation.