1. About H Equities LLC

H Equities LLC ("H Equities") is a private commercial real estate capital provider that operates a bridge lending platform and a direct equity investment platform. H Equities is organized as a limited liability company under the laws of the State of New York. Elliot Horowitz serves as Managing Member.

2. Not a Bank or Depository Institution

H Equities is not a bank, savings institution, credit union, or any other type of depository institution. H Equities is not regulated by the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, or any state banking regulator. Funds provided by or invested with H Equities are not deposits and are not insured by the FDIC or any other government agency.

3. Private Capital Provider

H Equities operates exclusively in the private commercial lending and equity investment market. All transactions are structured as business-to-business or business-to-entity arrangements. H Equities does not originate consumer loans, residential mortgage loans as defined under the Truth in Lending Act (TILA) or the Real Estate Settlement Procedures Act (RESPA), or any loans subject to the Dodd-Frank Act's ability-to-repay requirements. H Equities' lending activities are limited to commercial and business-purpose loans secured by commercial real estate.

4. No Guarantee of Financing

Nothing on this website, in any communication, or in any marketing material constitutes a commitment by H Equities to provide financing or to enter into any transaction. All lending and investment decisions are made at H Equities' sole discretion and are subject to:

• Satisfactory completion of underwriting and due diligence
• Approval by H Equities' investment committee
• Execution of definitive loan documents or investment agreements
• Satisfaction of all conditions precedent to closing
• Availability of capital at the time of closing

Indicative terms discussed or presented prior to execution of definitive documents are non-binding and subject to change.

5. Past Performance

References to past transactions, aggregate deal volume, number of deals completed, or historical performance metrics on this website or in any H Equities materials are provided for illustrative and informational purposes only. Past performance is not indicative of future results. The terms, structures, returns, and outcomes of prior transactions may not be replicated in future transactions. Each deal is evaluated independently based on its own merits, risks, market conditions, and capital availability.

6. Investment Risk

Commercial real estate investment and lending involve significant risks, including but not limited to:

• Loss of principal, in whole or in part
• Illiquidity — real estate investments are not readily convertible to cash
• Market risk — real estate values may decline due to economic conditions, interest rate changes, or local market factors
• Borrower default risk on loans originated by H Equities
• Construction and renovation risk on transitional assets
• Regulatory and legal risk
• Environmental and physical risk associated with underlying properties
• Concentration risk

Prospective borrowers, co-investors, and capital partners should carefully consider these and other risks before entering into any transaction with H Equities.

7. No Securities Offering

This website does not constitute an offer to sell or a solicitation of an offer to buy any securities. H Equities does not publicly offer any securities through this website. Any offering of securities by H Equities or its affiliates will be made only to qualified investors in compliance with applicable federal and state securities laws, and only pursuant to definitive offering documents containing complete information about the offering, including risk factors.

8. Independent Advice

H Equities strongly encourages all prospective borrowers, investors, and counterparties to consult their own independent legal counsel, financial advisors, tax advisors, and accountants before entering into any transaction. H Equities does not provide legal, tax, or accounting advice. The information on this website is not a substitute for professional advice tailored to your specific circumstances.

9. Confidentiality

Deal-specific information submitted to H Equities, including property details, financial projections, and borrower information, is treated as confidential and will not be disclosed to unrelated third parties except as required for underwriting, due diligence, legal compliance, or with the submitting party's consent. However, submission of information does not create an attorney-client relationship, a fiduciary relationship, or any duty of confidentiality beyond standard business practices.

10. Equal Opportunity

H Equities is committed to compliance with all applicable fair lending laws. Lending and investment decisions are based on commercial and financial criteria. H Equities does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other characteristic protected by applicable law.

11. Geographic Scope

H Equities operates across multiple markets in the United States. Availability of specific products, loan programs, or investment structures may vary by state and jurisdiction. H Equities complies with all applicable state and federal regulations in the jurisdictions in which it operates.

12. Contact

For questions regarding these disclosures, please contact: