LEGAL DISCLOSURES

Keystone Private Lending

---

1. Not a Bank Disclosure

Keystone Private Lending is not a bank, is not FDIC insured, and does not provide traditional banking services.

All financing is provided through private capital under cooperative agreements.

---

2. Non-QM Disclosure

Keystone Private Lending offers Alternative Residential Mortgage Loans, including Non-Qualified Mortgage (Non-QM) products.

Non-QM loans:

• are legal under U.S. federal law,

• comply with Ability-to-Repay (ATR) requirements,

• are subject to federal and state consumer protection laws.

Non-QM does not mean subprime or predatory.

---

3. Ability-to-Repay (ATR) Statement

All borrowers are evaluated based on documented ability to repay, including but not limited to:

• income or cash-flow verification,

• asset review,

• debt obligations,

• property value and collateral.

---

4. Equal Credit Opportunity Notice

Keystone Private Lending complies with the Equal Credit Opportunity Act (ECOA) and does not discriminate on the basis of:

• race,

• color,

• religion,

• national origin,

• sex,

• marital status,

• age,

• receipt of public assistance.

---

5. Fair Housing Act Compliance

Keystone Private Lending supports fair housing practices and complies with the Fair Housing Act.

---

6. Investment Risk Disclosure (For Lenders)

Participation as a private lender or cooperative member involves risk, including potential loss of principal.

Returns are not guaranteed, and past performance does not predict future results.

All participants are encouraged to consult independent financial and legal advisors.

---

7. Foreclosure Disclosure

In the event of borrower default, foreclosure may occur in accordance with applicable laws.
However, Keystone Private Lending’s cooperative model prioritizes:

• restructuring,

• refinancing,

• borrower stabilization,

before foreclosure is considered.

---

8. No Legal or Financial Advice

Keystone Private Lending does not provide legal, tax, or financial advice.

Users are encouraged to consult licensed professionals before making financial decisions.

---

9. Privacy Reference

Use of this Site is also governed by our Privacy Policy, which describes how personal information is collected, used, and protected.

---

10. Contact Information

For questions regarding these Terms or Legal Disclosures:

Keystone Private Lending
United States
info@keystone-private-lending.com.com