IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

All financial institutions are required by Federal law to gather, verify, and record information that identifies each person who opens an account in order to aid the government in its fight against the funding of terrorism and money laundering operations.

What this means to you is that we will ask for your name, address, date of birth, and other details that will allow us to identify you when you register an account. We could also request to see your driver's license or other forms of identification.

1 Depending on the information provided by the applicant in the application form, they may be eligible for personal loans up to $50,000. Guaranteed personal loan eligibility is contingent upon our investors transferring funds to your account, your compliance with the requirements, and other factors. For more information and terms and conditions, see the Borrower Registration Agreement. all loans made by WestunitedBank for personal use.

2 Following your acceptance of the loan offer, the conclusion of all required verification steps, and final approval, you may get your funds one business day later. One business day funding also depends on how quickly your bank can complete the transaction.

3 The information included in the HELOC application determines eligibility for a HELOC up to $500,000. An in-home appraisal is required for loans over $250,000. Title insurance is necessary for loans exceeding $250,000.

There may be some states where HELOCs through Swisslendings are not available. For more details, please carefully read your HELOC credit agreement.

The underwriting and issuance of all HELOCs is handled by WestunitedBank EQ, LLC, an Equal Housing Lender. NMLS #1464945.

4 as of January 31, 2023 (the "Calculation Date"), the weighted average historical return for loans originated by Swisslendings. The loan must have been originated (a) on or after July 1, 2009, and (b) at least 12 months before the Computation Date in order to be considered in the historical return ("Historical Return") calculation. Historical Returns are based on real payments (other than principle) made to investors on 3- and 5-year term loans generated through the Swisslendings platform, net of fees and losses (including from charged-off loans).

The Historical Return for loans made through Swisslendings is determined as follows. First, based on the precise month and year that they were produced in as well as their Swisslendings Rating at origination, loans are divided into unique "oeGroups." For each Group, we determine: (a) the total interest paid, plus late fees, minus servicing fees, minus collection fees, in each case, on active loans; (b) the total principal balances outstanding on active loans at the end of each day since origination; and (c) the net recoveries on charged-off or defaulted loans; net debt sale proceeds on sold loans; minus gross principal losses. . The "Historical Return" for the Group is then calculated by annualizing the result. The cumulative-outstanding-principal-dollar-weighted average of each Group's Historical Returns is then calculated for each Group. As a result, we are given the "weighted average Historical Return" for loans made through Swisslendings. Active loans are those that are current with payments or have a delinquency of less than 120 days for the purposes of this computation. A loan is not considered active if it has been paid off, charged off, or is in default.

The Historical Return calculation (a) is revised each month; and (b) does not take into account servicing-related corrective non-cash adjustments that could change a borrower loan's status or outstanding balance. The prepayment and default behavior of the loan supporting each Note determines the actual return on each Note, which is highly uncertain. Individual outcomes might differ. The information offered is not meant to be investment advice or a guarantee about the performance of any Note, and historical performance is not a guarantee of future outcomes.

All personal loans made by WestunitedBank.

Swisslendings Marketplace, Inc. Tax ID Number: 92-2227782
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