General Disclosures

Peer Street, Inc. (“PeerStreet”) operates a website at (this “Site”).

Investments offered prior to December 2, 2019 are governed by the Private Placement Memorandum-01 and Investor Agreement-01. Investments offered on or after December 2, 2019 are governed by the Private Placement Memorandum-02 and Investor Agreement-02.

Investing in PeerStreet Notes (the “Notes” as defined in the PPM) involves risks, including the risk borrowers will not repay their loans and the risk of PeerStreet discontinuing the servicing of the loans which could result in investors losing all or most of their investment. PeerStreet's obligation to make any payment on the Notes it issues is wholly dependent upon a borrower or other third party paying PeerStreet on the corresponding loan in which you invested.

Before purchasing any of the Notes, you should carefully read the PPM, particularly the Risk Factors (as defined in the PPM), which provides detailed information about the risks of investing in the Notes.

The Notes are not guaranteed or insured by any governmental agency or instrumentality, any third party or by PeerStreet. Neither the U.S. Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through this Site. Investors must be able to afford the loss of their entire investment.

PeerStreet does not make investment recommendations, and no communication through this Site or in any other medium should be construed as such. Any financial projections or returns shown on this Site are illustrative examples only, and there can be no assurance that any valuations provided are accurate or in agreement with market or industry valuations. PeerStreet has no obligation to update the information presented on this Site and consequently, does not guarantee the accuracy of such information. Any investment information contained on this Site has been secured from sources PeerStreet believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor. Investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed on this Site, and are encouraged to consult with a financial advisor, attorney, accountant, and any other professional that can help you to understand and assess the risks associated with any investment opportunity. Nothing on this Site should be construed as a solicitation or offer, or recommendation, to buy or sell any security.

When you make an investment on PeerStreet, you are investing in a mortgage dependent promissory note. A mortgage dependent promissory note is a promissory note in which the investor receives a stated interest rate for a stated term that is dependent on payment of the underlying loan between PeerStreet and the borrower. Accordingly, investors do not own the underlying property and their name is not on the property title or loan documents.

Automated Investing Disclosures:

Depending on your existing holdings, the cash balance of your account, and your investment criteria, it may take a long period of time for Automated Investing to deploy the investable cash in your account, and the entire balance in your account may never be deployed. Holding uninvested cash in your account will reduce your overall returns. You should review your investment criteria periodically to ensure that they are consistent with your current circumstances and financial goals.

Automated Investing only places orders to purchase Notes on the PeerStreet platform in accordance with your investment criteria; it does not sell Notes to rebalance your portfolio.

Investors who utilize PeerStreet's Automated Investing tool will have priority access to available investments on the Site (excluding certain investments which shall be identified from time to time in PeerStreet's sole discretion).