Legal Disclosures

01General Information

2GenPen, Inc. ("2GenPen," "Company," "we," "us," or "our") is a Delaware corporation headquartered in Morristown, New Jersey and a financial technology company specializing in artificial intelligence-driven credit intelligence, advanced credit analytics, and structured finance technology.

Our proprietary MUseQ® technology is designed to analyze credit characteristics, evaluate relative credit survivability, and support comparative credit analysis across asset classes. Information, commentary, analysis, illustrations, and materials on http://www.2genpen.com (the "Website") are provided for general informational, educational, and business purposes only.

02Not a Credit Rating Agency

2GenPen is not a credit rating agency and is not registered with the U.S. Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO).

MUseQ® provides proprietary credit intelligence and quantitative analytical assessments. Such assessments, including numerical scores, comparisons, and other outputs, are not represented as formal credit ratings issued by a credit rating agency. No output is intended to satisfy a regulatory, contractual, or investment requirement for a recognized credit rating. Users must independently determine fitness for their purposes and applicable regulatory requirements.

03No Investment or Financial Advice

2GenPen is not acting as an investment adviser, financial adviser, broker-dealer, or securities intermediary through the Website. No content is investment, financial, legal, accounting, tax, or other professional advice, or a recommendation to buy, sell, hold, finance, or transact in securities, credit instruments, or financial products.

Content does not consider any user's objectives, financial condition, risk tolerance, or circumstances. Visitors should independently evaluate information and consult qualified advisers before financial decisions. No advisory, fiduciary, or client relationship arises merely from Website access.

04Artificial Intelligence and Analytical Limitations

MUseQ® incorporates proprietary analytical methods, quantitative modeling, and artificial intelligence. All models have limitations, including data quality and availability, assumptions, estimation errors, model uncertainty, changing market conditions, and unforeseen events.

No analytical system identifies all risks or consistently predicts future results. 2GenPen does not guarantee any score, assessment, projection, comparison, or estimate will predict future credit performance or outcomes. Such information must be considered together with other evidence and independent professional judgment, never as the sole basis for a financial decision.

05Risks and Scope of Analysis

Relative credit survivability assessments do not necessarily address every financial, investment, or transactional risk. Other risks include liquidity, interest rates, market pricing, operational circumstances, legal developments, economic conditions, and counterparty exposure. No assessment guarantees repayment, returns, financial stability, market value, or avoidance of loss. Users are responsible for evaluating relevant risks.

06Accuracy and Third-Party Information

Website information may come from public materials, third-party sources, proprietary research, and analytical models. 2GenPen makes no warranty of accuracy, completeness, reliability, timeliness, or suitability. It may not independently verify all third-party information and does not audit every underlying data item. Content, assumptions, and conclusions may change without notice; no duty to update applies except as required by law.

07Case Studies, Hypothetical Results, and Forward-Looking Statements

Case studies, transaction examples, financial illustrations, hypothetical scenarios, estimates, and forward-looking statements may rely on uncertain assumptions. Potential efficiencies, savings, relative value opportunities, and anticipated benefits are illustrative, not guarantees. Actual outcomes may differ materially.

Historical results, illustrative transactions, and hypothetical performance are not guarantees of future results.

08No Offer or Solicitation

Nothing on the Website is an offer to sell, an offer to buy, or a solicitation or recommendation concerning any security, financial instrument, investment product, or transaction. Actual offerings, financings, and commercial arrangements are governed by definitive transaction documents and applicable law.

09Intellectual Property

MUseQ® technology and associated methods, models, software, analytics, and proprietary materials are protected by intellectual property rights. Website text, visuals, graphics, designs, research, and other materials are owned by or licensed to 2GenPen unless otherwise indicated. Access grants no license except as expressly authorized in writing or permitted by law. Unauthorized reproduction, modification, distribution, reverse engineering, or commercial exploitation is prohibited.

10Third-Party References and External Links

Third-party entities, publications, transactions, or linked websites may be referenced for information only, without implying endorsement, sponsorship, affiliation, or verification. 2GenPen is not responsible for independent websites' content, accuracy, availability, security, or practices.

11Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND CONTENT ARE PROVIDED 'AS IS' AND 'AS AVAILABLE,' WITHOUT EXPRESS, IMPLIED, OR STATUTORY WARRANTIES.

2GenPen disclaims warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, title, and noninfringement to the extent permitted by law. The Company does not warrant that content is error-free, uninterrupted, current, secure, or appropriate for any particular purpose.

12Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 2GENPEN, INC., ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM ACCESS TO, USE OF, OR RELIANCE ON THE WEBSITE OR ITS CONTENT.

This includes lost profits, investment losses, lost opportunities, interruption, and data loss, whether in contract, tort, negligence, or another legal theory. Nothing excludes liability that cannot lawfully be excluded. Additional Website terms appear in the Website Terms of Use.

13Intended Audience

The Website is primarily for institutional, commercial, and professional audiences including financial institutions, municipal issuers, institutional investors, credit professionals, and structured finance participants, and is not intended to provide individualized retail investment recommendations.

14Changes to Disclosures

2GenPen may change these Legal Disclosures. Changes take effect upon publication unless otherwise specified or required by law.

15Contact Information

2GenPen, Inc., a Delaware corporation headquartered in Morristown, New Jersey. Website: http://www.2genpen.com. Questions may be directed through the contact information published on the Website.

01Acceptance of Terms

These Website Terms of Use ("Terms") govern access to http://www.2genpen.com (the "Website"), operated by 2GenPen, Inc., a Delaware corporation headquartered in Morristown, New Jersey ("2GenPen," "Company," "we," "us," or "our"). By using the Website, you agree to these Terms. If you disagree, do not use it.

These Terms govern the public Website. Separate written agreements govern any independently licensed technology, commercial services, applications, or transactions and control in the event of conflict for the services they cover.

02Permitted Website Use

Users receive a limited, revocable, nonexclusive, nontransferable permission to view public content for lawful internal informational and business purposes, subject to these Terms. Commercial redistribution, resale, sublicensing, and exploitation are not authorized. All ungranted rights are reserved.

03Intellectual Property Rights

Website content, models, methods, software, research, graphics, images, marks, designs, and other materials are owned by or licensed to 2GenPen and protected by intellectual property law. MUseQ® is proprietary technology associated with 2GenPen. No patent, trademark, copyright, or trade secret license is granted by implication. Unauthorized reproduction, modification, distribution, reverse engineering, sublicensing, or commercial exploitation is prohibited.

04Prohibited Activities

Users shall not engage in unlawful, fraudulent, deceptive, or unauthorized use; disrupt security or operations; access restricted systems without permission; transmit malicious code; systematically scrape or redistribute content for unauthorized commercial purposes; derive proprietary models or algorithms; remove rights notices; or violate others' intellectual property, privacy, or other rights. 2GenPen may restrict access for violations subject to law.

05Nature of Website Content

Content describes 2GenPen, MUseQ® technology, credit intelligence, structured finance concepts, and business matters. It is informational, not professional advice.

2GenPen is not a credit rating agency and is not registered as an NRSRO. MUseQ® outputs are proprietary assessments, not formal credit ratings or guarantees of performance. Nothing on the Website recommends buying, selling, holding, financing, or transacting in a security or financial instrument.

The Legal Disclosures provide additional qualifications and are incorporated into these Terms by reference.

06Independent Evaluation and No Reliance

Financial and credit information involves uncertainty and risk. Users must independently evaluate analytical results and financial decisions and seek professional advice when appropriate. Website content is not a sole basis for investment, lending, financing, or risk management decisions. Website access creates no advisory, fiduciary, or client relationship.

07Accuracy of Information and Analytical Limitations

Content may use third-party data, artificial intelligence, quantitative models, and proprietary methodologies. 2GenPen does not guarantee accuracy, completeness, timeliness, reliability, predictive performance, or fitness. Model outputs depend on assumptions and data and may change. The Company does not verify each third-party item or undertake to update all published material.

08Hypothetical and Forward-Looking Information

Examples, case studies, proposed structures, projections, and estimates depend on assumptions. Financial outcomes, savings, performance, and transaction results are not guaranteed, and actual outcomes may differ materially.

09External Links and Third-Party Content

Links to independent sites and third-party publications are informational conveniences and are not endorsements. 2GenPen does not control or warrant their accuracy, security, availability, or privacy practices. Users access them at their own risk.

10User Communications and Submissions

Users must be authorized to provide information sent through forms or email. Do not send sensitive, confidential, proprietary, or material nonpublic information through public channels without an approved secure process. An inquiry alone does not establish a contractual, confidential, advisory, or fiduciary relationship. Personal information is addressed in the Privacy Policy.

11Feedback

For nonconfidential ideas or suggestions voluntarily submitted regarding the public Website or technology, the sender grants 2GenPen a worldwide, nonexclusive, perpetual, irrevocable, royalty-free right to use, modify, reproduce, and incorporate that feedback. This does not override written confidentiality agreements, applicable privacy law, or other legal restrictions.

12Disclaimer of Warranties

THE WEBSITE AND CONTENT ARE PROVIDED 'AS IS' AND 'AS AVAILABLE.' TO THE FULLEST EXTENT PERMITTED BY LAW, 2GENPEN DISCLAIMS EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AND AVAILABILITY.

The Company does not guarantee uninterrupted, error-free, or secure access, or analytical, credit, financial, or commercial results.

13Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 2GENPEN, INC. AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, AND SERVICE PROVIDERS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM WEBSITE ACCESS, USE, OR INABILITY TO USE THE WEBSITE OR ITS CONTENT.

This covers investment losses, lost profits, lost opportunities, business interruption, and loss of data. For claims solely relating to public Website access and not governed by a separate written commercial agreement, total aggregate Company liability is limited to the greater of amounts paid directly to 2GenPen specifically for public Website access in the preceding 12 months or US $100, to the extent permitted by law. Nothing limits rights or liability that cannot lawfully be limited.

14Indemnification

To the extent permitted by law, users agree to defend, indemnify, and hold harmless 2GenPen and its affiliates, officers, directors, employees, representatives, and agents against third-party claims, losses, costs, and reasonable legal expenses arising directly from material breach of these Terms, unlawful Website use, infringement of others' rights, or intentional interference with Website systems. 2GenPen may participate in or assume the defense of such claims.

15Availability, Suspension, and Termination

2GenPen may modify, suspend, restrict, or discontinue Website access with or without notice subject to law. It may restrict users violating these Terms. Intellectual property, disclaimers, liability limits, indemnification, and other provisions that should survive by nature will survive termination.

16Privacy

Personal information is handled according to the 2GenPen Privacy Policy and applicable law.

17Compliance with Applicable Laws

Users must comply with applicable laws, including export controls, sanctions, and intellectual property restrictions.

18Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict-of-law principles, except where mandatory applicable law provides otherwise.

Subject to applicable law, any legal action arising from or relating to these Terms or use of the Website shall be brought in the state or federal courts located in New Jersey, and the parties consent to the jurisdiction of those courts. Nothing in these Terms limits rights or remedies that cannot lawfully be waived.

19Severability and Waiver

If a provision is unenforceable, the remainder continues to the extent permitted by law. Non-enforcement does not waive rights.

20Entire Agreement

These Terms and the Legal Disclosures govern public Website access. The Privacy Policy separately describes personal information practices. Signed agreements control the commercial services and transactions to which they apply.

21Changes to Terms

2GenPen may amend these Terms, with updates effective on publication unless otherwise specified or required by law. Continued use after publication signifies acceptance to the extent legally permitted.

22Contact Information

2GenPen, Inc., a Delaware corporation headquartered in Morristown, New Jersey. Website: http://www.2genpen.com. Questions may be directed through the contact information published on the Website.

01Introduction

2GenPen, Inc. ("2GenPen," "Company," "we," "us," or "our") is a Delaware corporation headquartered in Morristown, New Jersey. This Privacy Policy describes personal information practices for http://www.2genpen.com (the "Website") and related business communications. The Website is primarily for commercial, professional, and institutional audiences. Separate notices or agreements may govern separately contracted technology and services.

02Information We Collect

Information provided voluntarily. Depending on interaction, we may collect names, professional titles, company names, business email addresses, telephone numbers, correspondence, contact-form information, and other information provided voluntarily.

Technical and usage information. The Website, hosting infrastructure, and technical providers may collect IP addresses, browsers, operating systems, device information, pages viewed, referring sites, access dates and times, usage/navigation data, and security-related technical information.

Other sources. We may receive business contact information from referrals, public professional sources, business partners, and other lawful sources.

03How We Use Personal Information

We may use personal information to answer inquiries; communicate with partners and prospective customers; provide information about 2GenPen and MUseQ®; conduct lawful business development and marketing; operate, maintain, secure, and improve the Website; understand Website performance; administer business records; comply with law; and protect rights, property, and security. Processing is subject to applicable law.

04Cookies and Similar Technologies

Depending on its configuration, the Website may use cookies and similar technologies for essential functionality, security, performance measurement, analytics, or preferences. Browsers and any available Website privacy controls may allow users to manage cookies; disabling them may affect functionality. Where legally required, appropriate notices, choices, consent, or opt-out mechanisms will be provided.

05Sharing and Disclosure of Information

We may share information as permitted by law with hosting, cybersecurity, communications, analytics, and operations providers; attorneys, accountants, and other advisers; affiliates; government authorities or courts where appropriate; parties to actual or proposed acquisitions, financings, restructurings, or sales; and other recipients with permission or lawful authorization.

Any sale or sharing for targeted advertising, if conducted, is subject to applicable disclosure and opt-out requirements. This policy does not represent that a category of processing does or does not occur unless expressly stated.

06Marketing Communications

Where permitted, business contacts may receive information about company developments, MUseQ®, services, events, and publications. Recipients may opt out using available unsubscribe options or the Company's published contact method. Nonmarketing administrative, transactional, or legally required notices may still be sent when appropriate.

07Data Security

2GenPen seeks to maintain reasonable administrative, technical, and organizational safeguards suited to the information and related risks. No internet transmission or storage method is completely secure; absolute security cannot be guaranteed. Do not submit sensitive credentials, confidential financial records, or material nonpublic information through ordinary public forms without an authorized secure process.

08Data Retention

We retain personal information as reasonably necessary for collection purposes, business relationships, legal obligations, dispute resolution, and protection of rights. Retention varies with type, purpose, sensitivity, and requirements. Information no longer needed will be deleted, anonymized, or otherwise handled according to law and Company practices.

09Individual Privacy Rights

Depending on location and applicable law, individuals may request access, correction, deletion, information about disclosures, restrictions on processing, or certain opt-outs, including concerning targeted advertising where relevant. Requests may be submitted using Website contact information; verification may be required. Responses will comply with applicable deadlines and laws.

10U.S. State Privacy Requirements

Certain states provide additional privacy rights. Where such laws apply to 2GenPen and particular processing, required notices, rights, opt-outs, and exceptions will be honored. Business-contact information and institutional activities may be subject to statutory exemptions depending on the jurisdiction and circumstances.

11International Visitors

2GenPen is U.S.-based and primarily serves business and institutional audiences. Information may be processed in the United States or other provider jurisdictions. Where international data laws apply, required measures and transfer safeguards will be implemented.

12Children’s Privacy

The Website is not directed toward persons under 18. We do not knowingly solicit personal information from children. If relevant information is identified, we will take steps required by law.

13Third-Party Websites

External websites and services may have independent privacy and security practices. This Policy does not cover information collected by those third parties. Visitors should review their notices.

14Changes to This Privacy Policy

We may revise this Policy to reflect practice, functionality, operational, or legal changes. Updates will be posted with an effective date, with any additional notice or consent required by law.

15Contact Information

2GenPen, Inc., a Delaware corporation headquartered in Morristown, New Jersey. Website: http://www.2genpen.com. Privacy inquiries and requests may be sent through the contact information published on the Website.