Fair Lending Policy

Ross Mortgage Corporation is committed to treating all consumers fairly, consistently,
and equitably in its lending and interim servicing practices. It is Ross’ policy to comply
with all applicable fair lending laws and to treat all credit applicants equally and without
regard to race, color, religion, national origin, age, sex, gender identity, marital status –
including same-sex, sexual orientation, disability, income derived from any public
assistance program, or an applicant’s exercise of any right under the Consumer Credit
Protection Act, as we provide quality financial services to existing and prospective

Ross Mortgage Corporation is committed to promoting the availability of credit to
consumers and providing applicants with fair and equal treatment throughout the
mortgage application process. Ross Mortgage will not tolerate discrimination by any of
its officers, employees, or agents against any applicant or borrower in any aspect of a
consumer credit transaction as embodied in the Equal Credit Opportunity Act and the
Fair Housing Act.

Equal Housing Lender