# Disclosures

# United States Borrowers

An Aside on Gas Fees

The ethereum network incentivizes its validators to transmit money, value, and funds using the Ether token. We do not transmit any money or value or keep track of who owns what. We simply use these 3rd party rails to conduct lending and swaps business.

Collar does not collect or earn gas fees paid by users, these fees are earned by validators of the Ethereum network.

In the future, Collar plans to sponsor gas fees to make it easier for users to use the protocol.

Equal Credit Opportunity Act (ECOA)

As required by the ECOA, Collar Networks and its affiliates do not discriminate based on race, color, religion, national origin, sex, marital status, age, or any other prohibited basis because we do not reject any applicants, as all loans are fully secured. Reach out to support@collarnetworks.com if you have any questions in this regard.

Notice for Active-Duty Servicemembers: SCRA Interest Rate Reduction

Active-duty servicemembers may qualify for an interest rate cap of 6% on eligible pre-service loans, as provided under the Servicemembers Civil Relief Act (SCRA). To apply, please submit a written request along with proof of active-duty status (e.g., military orders) to support@collarnetworks.com. For questions, contact us at support@collarnetworks.com. Thank you for your service.