Effective Date: April 1, 2026

Lending Hand Inc. is committed to responsible lending, fair treatment of borrowers, and compliance with applicable federal and Indiana lending and collection laws. Lending Hand maintains and follows the following standards:

a. Ability to Repay
Lending Hand takes reasonable steps to verify and evaluate a borrower's ability to repay their debt obligations without defaulting or relying on re-borrowing. Lending decisions are based on documented underwriting criteria, which may include income, existing obligations, credit history, prior repayment history, and other lawful indicators of ability to repay.

b. Prevention of Debt-Trap Practices
Lending Hand does not engage in practices designed to create or prolong debt traps for borrowers. This includes:

• No prohibited prepayment penalties.
• No automatic renewal of loan terms where prohibited or inconsistent with Lending Hand policy.
• No extension of new credit to a borrower who does not meet applicable underwriting and repayment requirements.
• No encouraging repeated borrowing as a means of repaying existing debt.
• Loan amounts and terms are determined using established underwriting and eligibility standards.

c. Fair Lending & Non-Discrimination
Lending Hand follows applicable Fair Lending, Equal Credit Opportunity, and non-discrimination laws and regulations. Applicants and borrowers will not be discriminated against based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance income, exercise of applicable consumer-credit rights, or any other characteristic protected by law.

Credit decisions and loan amounts are based on legitimate, documented underwriting and eligibility criteria and are applied consistently to similarly situated applicants.

Lending Hand does not engage in abusive, deceptive, unfair, or discriminatory lending or collection practices.

d. Fair Debt Collection Practices
Lending Hand maintains collection practices designed to comply with applicable federal and state debt collection requirements, including the Fair Debt Collection Practices Act (FDCPA) where applicable.

Lending Hand prohibits abusive, deceptive, threatening, harassing, or otherwise unlawful collection practices.

Any loan servicer or collection organization collecting on Lending Hand's behalf is expected to comply with applicable debt collection laws and Lending Hand's responsible collection standards.

e. Collection Vendors & Debt Buyers
Lending Hand requires applicable third-party collection agencies, loan servicers, collection vendors, and debt buyers to adhere to applicable fair debt collection laws and responsible collection standards.

Lending Hand conducts appropriate due diligence and monitoring of applicable third parties involved in servicing or collecting Lending Hand accounts and will address identified compliance concerns as appropriate.

f. Responsible Underwriting & Fair Treatment
Lending Hand applies documented underwriting standards consistently and evaluates applicants using legitimate factors related to eligibility, creditworthiness, fraud prevention, and repayment risk.

Automated underwriting, credit scoring, and decisioning systems used by Lending Hand must operate according to approved lending criteria. Manual exceptions or overrides must have a legitimate business reason and appropriate documentation.

g. Compliance & Oversight
Lending Hand periodically reviews its lending, servicing, and collection practices for compliance with this policy. This may include review of underwriting decisions, loan amounts, adverse actions, customer complaints, collection activity, vendor performance, and exceptions to established lending procedures.

Lending Hand Inc. certifies that it maintains policies and procedures reasonably designed to support responsible lending, verify borrowers' ability to repay, prevent inappropriate debt-trap practices, promote fair and non-discriminatory lending, prohibit abusive collection practices, and provide appropriate oversight of third-party collection vendors and debt buyers.

Contact Us

If you have any questions regarding this policy, please contact:

Lending Hand Inc.
Phone: 574-583-0004
Email: office@lendinghandinc.com
Website: lendinghandinc.com