Fair Lending Policy Statement

Consistent with federal law, it is the policy of Zebit, Inc. to provide equal access to its credit product (“ZebitLine”) and services to all qualified applicants regardless of race or color; religion; national origin; gender; marital status; age (provided the applicant has the capacity to contract); disability, source of income or other prohibited basis under the Equal Credit Opportunity Act. Zebit will undertake all reasonable efforts to ensure that every applicant for credit receives consideration and treatment that is fair and equitable. As part of its fair lending policy, Zebit will notify applicants of action taken on their ZebitLine applications in accordance with federal law. Zebit will retain records of credit applications in accordance with applicable requirements.