This is a Home Equity Agreement (HEA) — an option purchase agreement in which Barastone makes an upfront payment to you in exchange for a contractual right to a percentage of your home's value at settlement, calculated using the Settlement Multiplier in your Agreement. You retain ownership and title to your home. Repayment is deferred until the home sells, is refinanced, or the term ends. There are no monthly payments. A Final Settlement Amount based on your home's value at that time is due at the end of the Investment Period or upon sale or refinance. In a high-appreciation scenario, this amount may substantially exceed the investment proceeds received. The amount owed at settlement depends on your home's value at that time and may be more or less than the amount you received. A lump-sum settlement — including the original advance plus a percentage of the home's total future appraised value — will be due at exit. To protect homeowners, the maximum cost is subject to a homeowner protection cap of no more than 20% annualized, regardless of future home value. A lien will be recorded against your property. This product may not be suitable for all homeowners. You are encouraged to seek independent legal and financial advice before entering into a Home Equity Agreement. Barastone operates through SRET Trust series.