Compliance

Fair Housing & Equal Opportunity

Link Management Systems, Inc. and its affiliated companies are committed to the principles of the federal Fair Housing Act and, with respect to credit and lending, the Equal Credit Opportunity Act (ECOA). We are dedicated to providing fair and equal housing opportunities to all individuals and are firmly opposed to any form of discrimination in housing.

We believe that every person has the right to choose where they live and that this right should be exercised free from discrimination, intimidation, or interference based on protected characteristics.

Protected Classes

Under federal law, it is illegal to discriminate in the sale, lease, or financing of housing or in the provision of housing services based on:

• Race
• Color
• National Origin
• Religion
• Sex (including sexual orientation and gender identity)
• Familial Status (including children under 18 living with parents or legal custodians, pregnant women, and people securing custody of children under 18)
• Disability (physical or mental)

Many states and localities extend protection to additional classes, including but not limited to: source of income, marital status, age, ancestry, and military/veteran status. Link and its affiliates comply with all applicable state and local fair housing laws.

Our Obligations and Practices

As a technology company serving the housing industry, Link commits to:

• Designing and operating our platform in a manner consistent with fair housing laws
• Prohibiting the use of our Services to create, publish, or distribute content that expresses, implies, or could reasonably be understood to express a preference, limitation, or discrimination based on any protected characteristic
• Requiring users to review all AI-generated content for accuracy and fair housing compliance before use or publication
• Declining to design or offer targeting, filtering, or audience-selection features based on protected characteristics
• Supporting our users' compliance with their own fair housing obligations through product design, education, and resources
• Investigating reported misuse of our platform for discriminatory purposes and taking appropriate action, up to and including account termination
• Maintaining non-discriminatory practices in our own advertising and marketing

Reasonable Accommodations and Modifications

Federal law requires landlords and housing providers to make reasonable accommodations in rules, policies, practices, and services when necessary for a person with a disability to have equal opportunity to use and enjoy housing. This includes:

• Reasonable accommodations — changes in rules, policies, practices, or services
• Reasonable modifications — physical changes to the unit or common areas (generally at the tenant's expense, unless the housing receives federal funding)

Requests for reasonable accommodations or modifications should be documented and responded to promptly. If you need an accommodation in connection with our services, please contact us.

Filing a Fair Housing Complaint

If you believe you have experienced housing discrimination, you have the right to file a complaint. Complaints may be filed with:

• U.S. Department of Housing and Urban Development (HUD) — online at hud.gov/fairhousing, by phone at 1-800-669-9777 (TTY: 1-800-927-9275), or by mail at HUD Office of Fair Housing and Equal Opportunity, 451 7th Street SW, Washington, DC 20410
• Your state's civil rights or housing agency
• A private attorney

You may also file a complaint directly with Link by contacting our compliance team. All complaints will be taken seriously and investigated promptly.

Escrow License

Linked Escrow is an escrow agent licensed by the California Department of Financial Protection and Innovation (License No. 96DBO-189708), providing settlement and closing services in California.

Mortgage License

Mortgage origination services are provided by First Link Mortgage, NMLS #2527988, a licensed mortgage company. First Link Mortgage is licensed in the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Montana, and Texas. You may verify its license status at NMLS Consumer Access, www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Corporate Structure and Licensing

Link Management Systems, Inc. is a technology and management company. It develops and operates the Link software platform and provides administrative and management services to a family of affiliated companies. Link Management Systems, Inc. is not itself a licensed real estate broker, mortgage lender, loan originator, or escrow agent, and it does not provide real estate brokerage, mortgage origination, or escrow services.

Certain regulated services are available through separately licensed affiliated companies, each operating under its own license and the supervision of its own regulator:

You may verify the license status of First Link Mortgage at NMLS Consumer Access: www.nmlsconsumeraccess.org.

Affiliated Business Arrangement Disclosure

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