Licenses and Disclosures

Banking Authority

Lightstream Lending Bank, N.A. is a national bank chartered and regulated by the Office of the Comptroller of the Currency (OCC). Our institution ID is LS-4402-K. We are an Equal Housing Lender. Our principal place of business is located at P.O. Box 117320, Atlanta, GA 30368-7320.

Licensing

Lightstream Lending Bank, N.A. holds money transmission licenses from various state regulatory authorities where required by law. Our lending operations are conducted under authority granted by the Office of the Comptroller of the Currency and comply with all applicable federal and state lending laws, including the Truth in Lending Act and the Fair Housing Act.

Consumer Protection Compliance

We comply with all applicable consumer protection laws and regulations, including but not limited to the following:

• Truth in Lending Act (TILA) and Regulation Z
• Fair Credit Reporting Act (FCRA)
• Fair Housing Act
• Gramm-Leach-Bliley Act (GLBA)
• Equal Credit Opportunity Act (ECOA)
• Fair Debt Collection Practices Act (FDCPA)
• Dodd-Frank Act and Consumer Financial Protection Bureau regulations
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• Americans with Disabilities Act (ADA)

Disclosure Commitments

Lightstream Lending Bank, N.A. is committed to clear and transparent disclosure of all loan terms, rates, and fees. All fees and pricing information are disclosed before you sign your loan agreement. We provide clear written disclosures in accordance with Truth in Lending Act requirements.

Fair Lending Practices

We are committed to fair and equal treatment of all applicants and customers. We do not discriminate in any aspect of our lending operations on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public benefits. All loan approval decisions are based on creditworthiness and ability to repay, evaluated through consistent underwriting standards applied equally to all applicants.

Data Security and Privacy

Lightstream Lending Bank, N.A. maintains comprehensive information security programs designed to protect customer information. Our security measures comply with federal banking regulations, including the Gramm-Leach-Bliley Act Safeguards Rule and the Privacy Rule. We conduct regular security audits and penetration testing to identify and remediate vulnerabilities.

Accessibility

We are committed to ensuring that our website and online services are accessible to individuals with disabilities in compliance with Section 508 of the Rehabilitation Act and the Americans with Disabilities Act. Our website has been tested to meet WCAG 2.1 Level AA standards. If you experience accessibility barriers, please contact us and we will work with you to provide an alternative means of accessing our services.

Third-Party Service Providers

Lightstream Lending Bank, N.A. uses third-party service providers to support our lending operations. These providers include payment processors, verification services, credit reporting agencies, and technology providers. All service providers are contractually required to maintain appropriate safeguards over customer information and comply with applicable laws and our policies.

Complaint Resolution

We are committed to resolving customer complaints promptly and fairly. If you have a complaint regarding our products or services, please contact us immediately. Complaints may also be filed with the Consumer Financial Protection Bureau at www.consumerfinance.gov or by phone at 1-855-500-2541.

Regulatory Contacts

Contact Information

For questions regarding our licenses, disclosures, or regulatory compliance: