A+ HYBRID PROGRAM. INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN Standard

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1 LOCATION LOAN AMOUNT Loan Terms Maximum Amortization RATES YSP A+ HYBRID PROGRAM INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN Nationwide except AL, AK, MI, NV, Available only in PA, NJ, NY ND, VT, WV Minimum: $125,000 Maximum: $1,000,000 Fixed-rate terms of 1, 3 or 5 years with 15 year maturity 30 Years with balloon at 15 year maturity Hybrid Fixed for 3 or 5 years then adjusts monthly 25 years or 30/10: 30 year with a 10 year balloon 1-Year 6.5% fixed 3 Year 6.75% fixed 5-Year 7% fixed Floor Rate = initial start rate Adjustable Rate is indexed at WSJ Prime with a 2% margin Lifetime Cap = 6% above Floor Rate Periodic Cap Up = 3% per year Periodic Cap Down = 1% per year Frequency of adjustable rate resets = 3 Months Fixed rate period starts at: *5 yr. FHLB +2.75% (*5 day avg. rounded up to nearest.25%) Adjustable rate period starts at: Prime +3 2% maximum allowable 1% maximum allowable PREPAYMENT PENALTY 1 Year (5,3) 3 Year (3,2,1) 5 Year (5,4 3,2,1) 3 Year (3,2,1) 5 Year (5,4,3,2,1) ELIGIBLE PROPERTY TYPES LTV DSCR Multifamily: N/O/O and : Mixed use : 60, : Professional office space : 60, : #Retail store- Strip/free standing : 60, : Office/warehouse on a case-by-case basis : 65 Owner-occupied only PERSONAL GUARANTEES MAXIMUM COMBINED LOAN-TO-VALUE (See attached grid for maximum CLTV by individual property types) LIEN POSITION Personal guarantees are required on all loans See Program Matrix for LTV by property type First liens only OCCUPANCY Owner-occupied Non-owner occupied

2 CASH OUT REFINANCES MINIMUM DEBT COVERAGE RATIO Mortgage Consumer Credit CHARGE OFFS/COLLECTIONS A+ HYBRID PROGRAM Maximum cash out to borrower is $150,000 Maximum cash out to borrower is $150,000, will increase on case-bycase basis All properties subject to debt service coverage ratio minimums. See Program grid for DSCR by property type. For DSCR purposes, rent for owner-occupied units will be determined by current market rents. DSCR on business income will also be a method for determining eligibility. By exception, personal DTI ratios may also be considered. All mortgages must be current. All accounts must be paid As Agreed. Minimum FICO score 700. All APEX credit scores must be in the 700 s. No current delinquencies. Charge offs are not allowed in the prior twenty-four (24) month period. BANKRUPTCIES INELIGIBLE PROPERTY TYPES APPRAISALS ENVIRONMENTAL AGE OF DOCUMENTATION UNDERWRITING DOCUMENTATION REQUIRED Bankruptcies are not allowed in the prior five (5) year period. Churches Daycares Gas stations Salvage yards Farmland Vacant lots Manufacturing Condo hotels Cooperatives Manufactured housing Restaurant/Bars Motel/Hotel Mobile Home Park Office/warehouse (case-by-case basis) Industrial properties Rural properties in areas under 25% built up Any property with a vacancy rate over 15% An APEX obtained appraisal is required on all properties All loans must have an environmental questionnaire completed. All loans will require environmental due diligence. Credit documentation cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing. 1. Summary sheet 2. COMPLETED 1003 application 3. Credit report 4. Mortgage broker agreement Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation included on the Summary sheet.

3 LOAN AMOUNT LOAN TERM RATE PREPAYMENT PENALTY PERSONAL GUARANTEES MAXIMUM COMBINED LOAN-TO-VALUE (See attached grid for maximum CLTV by individual property types) PROGRAM A0 INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN Minimum: $500,000 Maximum: $1,000,000 5 Years 25 Years Fixed Rate 8.99% PAR 5% Months % Months % Months % Months % Months Personal guarantees are required on all loans See Program Matrix for LTV by property type LIEN POSITION First liens only OCCUPANCY Owner-occupied Non owner-occupied CASH OUT REFINANCES Maximum cash to borrower is $150,000 MINIMUM DEBT COVERAGE RATIO Mortgage Consumer Credit ARM Prime + 4% 5% Months % Months % Months % Months % Months All properties subject to debt service coverage ratio minimums. See Program grid for DSCR by property type. For DSCR purposes, rent for owner-occupied units will be determined by current market rents. DSCR on business income will also be a method for determining eligibility. By exception, personal DTI ratios may also be considered. Mortgage must be current. Mortgage must have been rated for at least twenty-four (24) months. All accounts must be paid As Agreed. Minimum FICO score 650. CHARGE OFFS/COLLECTIONS BANKRUPTCIES APPRAISALS ENVIRONMENTAL AGE OF DOCUMENTATION Charge offs are not allowed in the prior twelve (12) month period. Bankruptcies are not allowed in the prior four (4) year period. An APEX obtained appraisal is required on all properties All loans must have an environmental questionnaire completed. All loans will require the payment of an Environmental Processing Fee of $500 - $1,500. Credit documentation cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing.

4 PROGRAM A0 ELIGIBLE PROPERTY TYPES INELLIGIBLE PROPERTY TYPES See Property Types Churches Gas stations Salvage yards Farmland Vacant lots Manufacturing Condo hotels Cooperatives Manufactured housing Mobile homes Restaurant/Bars Rural properties in areas under 25% built up Any property with a vacancy rate over 15% PROPERTY TYPES LTV DSCR 2-4 unit property unit property unit property Motel/Hotel Mixed use (1 commercial unit residential) Mixed use (commercial & residential) Professional office space Retail store Strip/free standing Mobile home park Small commercial Office/Warehouse Industrial properties UNDERWRITING DOCUMENTATION REQUIRED 1. Summary sheet 2. COMPLETED 1003 application 3. Credit report 4. Mortgage broker agreement Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation included on the Summary sheet.

5 LOAN AMOUNT LOAN TERM RATE ARM INDEX PREPAYMENT PENALTY PERSONAL GUARANTEES MAXIMUM COMBINED LOAN-TO-VALUE MINIMUM PROPERTY VALUE PROGRAM A1 INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN Minimum: $25,000 Maximum: $500,000 5 Years 25 Years Fixed Rate starting at 8.99% Adjustable Rate Wall Street Journal Prime 5% Months % Months % Months % Months % Months Personal guarantees are required on all loans CLTVs considered up to 80% on a case by case basis $75,000 or $12,000 per unit LIEN POSITION OCCUPANCY First liens on primary collateral Owner-occupied Non owner-occupied CASH OUT REFINANCES Maximum cash to borrower is $150,000 MINIMUM DEBT COVERAGE RATIO Mortgage Consumer Credit CHARGE OFFS/COLLECTIONS BANKRUPTCIES APPRAISALS ENVIRONMENTAL See Program grid for DSCR by property type. All loans qualified at the program note rate. For loans less than $250,000, a debt ratio of 45% can be employed for alternative qualifications. Mortgage must be current. Mortgage must have been rated for at least twenty-four (24) months. Mortgage rating cannot have more than two 30-day delinquencies in the prior twelve (12) month period. Majority of accounts must be paid As Agreed. Limited 30 day and 60 day delinquencies allowed with explanation. Charge offs are not allowed in the prior twelve (12) month period. Charge offs over $500 are not allowed in the period between months 13 and 24. Open charge offs must be paid prior to or at closing. Bankruptcies are not allowed in the prior two (2) year period. An APEX obtained appraisal is required on all properties All loans must have an environmental questionnaire completed. All loans will require the payment of an Environmental Processing Fee of $500 - $1,500.

6 AGE OF DOCUMENTATION ELIGIBLE PROPERTY TYPES INELIGIBLE PROPERTY TYPES PROGRAM A1 Credit documentation cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing. See Property Types Auto repair/auto body Church/House of worship Gas stations Salvage yards Farmland/rural property Vacant lots Manufacturing/rural properties Dry cleaners (drop-off/pick-up considered) Condo hotels Cooperatives Manufactured housing/mobile homes Assisted living facilities Restaurants/Bar PROPERTY TYPES MAX LTV and DSCR (Subtract 5%LTV for 100% investment properties) Single family residence (additional collateral only) if 100% investment property 2-4 unit property if 100% investment property 5+ unit property if 100% investment property Motel/Hotel if 100% investment property Mixed use (commercial & residential) if 100% investment property Professional office space if 100% investment property Retail store (Free Standing/Strip) if 100% investment property Mobile home park if 100% investment property Office/Warehouse if 100% investment property Church/House of worship O/O only Garage/Storage/Auto O/O only Small commercial if 100% investment property 1. Summary sheet UNDERWRITING DOCUMENTATION REQUIRED 2. COMPLETED 1003 application 3. Credit report 4. Mortgage broker agreement Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation included on the Summary sheet.

7 LOAN AMOUNT LOAN TERM RATE ARM INDEX PREPAYMENT PENALTY PERSONAL GUARANTEES MAXIMUM COMBINED LOAN-TO-VALUE MINIMUM PROPERTY VALUE PROGRAM A2 LIMITED INCOME VERIFICATION BUSINESS LOANS Minimum: $25,000 Maximum: $500,000 5 Years 25 Years Fixed Rate starting at 8.99% Adjustable Rate Wall Street Journal Prime 5% Months % Months % Months % Months % Months Personal guarantees are required on all loans CLTVs considered up to 80% on a case by case basis $75,000 or $12,000 per unit LIEN POSITION OCCUPANCY First or second Owner-occupied Non owner-occupied CASH OUT REFINANCES Maximum cash to borrower is $150,000 BORROWER QUALIFICATIONS Mortgage Consumer Credit CHARGE OFFS/COLLECTIONS BANKRUPTCIES FINANCIAL REVIEW RESTRICTIONS APPRAISALS Full income verification is not required. Borrower is required to describe the type of business & provide relevant documentation to prove how income is generated. Mortgage must be current. Mortgage must have been rated for at least twenty-four (24) months. Mortgage rating cannot have more than one 30-day delinquencies in the prior twelve (12) month period. Majority of accounts must be paid As Agreed. Limited 30 day delinquencies allowed with explanation. Charge offs are not allowed in the prior twelve (12) month period. Charge offs over $500 are not allowed in the period between months 13 and 24. Bankruptcies are not allowed in the prior two (2) year period. 3 primary business/trade references may be required. The existence of the business for at least three (3) years must be documented. Business tax returns for the past two (2) years required. Corporate or business losses cannot exceed 5% of the gross sales. No start-up ventures. An APEX obtained appraisal is required on all properties

8 ENVIRONMENTAL AGE OF DOCUMENTATION ELIGIBLE PROPERTY TYPES INELIGIBLE PROPERTY TYPES PROGRAM A2 All loans must have an environmental questionnaire completed. All loans will require the payment of an Environmental Processing Fee of $500 - $1,500. Credit documentation cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing. See Property Types Gas stations Salvage yards Farmland/rural property Vacant lots Manufacturing/industrial properties Dry cleaners (drop-off/pick-up considered) Condo hotels Cooperatives Manufactured housing/mobile homes Assisted living facilities Restaurants (free standing) PROPERTY TYPES MAX LTV OWNER OCCUPIED / NON OWNER OCCUPIED Single family residence (additional collateral only) 70 / unit property 70 / unit property 70 / unit property 70 / 65 Motel/Hotel BPS Mixed use (1 commercial & 1-4 unit residential) 70 / 65 Mixed use (commercial & residential) 70 / 65 Professional office space 70 / 65 Retail store (Free Standing/Strip) 60 Restaurant/bar (not freestanding) 60 Mobile home park 60 Office/Warehouse BPS Church/House of worship 60 Garage/Storage BPS + primary residence Small commercial 60 Recreational properties 50 Auto repair/auto body BPS 1. Summary sheet UNDERWRITING DOCUMENTATION REQUIRED 2. COMPLETED 1003 application 3. Credit report 4. Mortgage broker agreement

9 PROGRAM A5 LOAN AMOUNT LOAN TERM COMMERCIAL LOANS Minimum: $25,000 Maximum: $350,000 5 Years 25 Years RATE Fixed Rate starting at 10.5% PREPAYMENT PENALTY PERSONAL GUARANTEES MAXIMUM COMBINED LOAN-TO-VALUE 5% Months % Months % Months % Months % Months Personal guarantees are required on all loans CLTVs considered up to 65% on a case by case basis MINIMUM PROPERTY VALUE $75,000 LIEN POSITION OCCUPANCY Mortgage Consumer Credit CHARGE OFFS/COLLECTIONS BANKRUPTCIES APPRAISALS ENVIRONMENTAL AGE OF DOCUMENTATION ELIGIBLE PROPERTY TYPES INELIGIBLE PROPERTY TYPES First liens on primary collateral Owner-occupied Non owner-occupied (case by case) Mortgage must have been rated for at least twenty-four (24) months. Mortgage rate sporadic 30, 60, 90 day case by case. Case by case, written credit explanation required at time of application Charge offs are allowed in the prior twelve (12) month period Bankruptcies must be discharged An APEX obtained appraisal is required on all properties All loans must have an environmental questionnaire completed. All loans will require the payment of an Environmental Processing Fee of $500 - $1,500. Credit documentation cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing. See Property Types Gas stations Salvage yards Farmland/rural property Vacant lots Manufacturing/industrial properties Dry cleaners (drop-off/pick-up considered) Condo hotels Cooperatives Manufactured housing/mobile homes Assisted living facilities Restaurants/Bar (free standing)

10 PROGRAM A5 PROPERTY TYPES MAX LTV Single family residence (additional collateral only) unit property unit property unit property 60 Motel/Hotel 55 Mixed use (1 commercial & 1-4 unit residential) 65 Mixed use (commercial & residential) 60 Professional office space 60 Retail store (Free Standing/Strip) 55 Office/Warehouse 50 Garage/Storage 50 Small commercial 55 Auto repair/auto body BPS + primary residence UNDERWRITING DOCUMENTATION REQUIRED 1. Summary sheet 2. COMPLETED 1003 application 3. Credit report 4. Mortgage broker agreement