Portfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil

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1 Portfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil Up to 55% LTV w/720 FICO / loan amount up to $1.0 mil 1 unit Portfolio JUMBO FULL Doc PFF Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil Up to 55% LTV w/720 FICO / loan amount up to $1.0 mil 1 unit Special Conforming SC Up to 75% LTV w/620 FICO 1 unit Fixed term Up to 65% LTV w/620 FICO 2 4 unit Fixed term Up to 65% LTV w/620 FICO 1 unit ARM term Up to 60% LTV w/ 620 FICO 2 4 unit ARM term Premier Conforming PC Up to 75% LTV w/620 FICO 1 unit Fixed/ARM terms Up to 70% LTV w/620 FICO 2 4 unit Fixed/ARM terms Premier High Balance PH Up to 65% LTV w/620 FICO 1 4 unit Fixed/ARM terms Traditional Conforming TC Up to 70% LTV w/720 FICO 1 unit Fixed term Up to 60% LTV w/720 FICO 1 unit ARM term Up to 65% LTV w/720 FICO 2 4 unit Fixed term Up to 60% LTV w/720 FICO 2 4 unit ARM term CURRENT TURN TIMES: Underwriting: hrs (PURCHASE) hrs (REFI) Condition Sign off: hours from date received in underwriting for review Docs Out: hours Doc Review(Purch): hours Doc Review (Refi): hours Suspended Loan Files: 2 3 business days Portfolio Jumbo: 2 4 business days ***Please note: Borrowers with multiple properties (4+), Super Jumbo and/or multiple transactions are subject to longer turn times due to complexity. IMPORTANT DATES TO REMEMBER: Last day to Order Docs: March 30, 2015 Last day to Re Draw: March 30, 2015 Last day tofund: April 6, 2015 ALL PRODUCTS (excluding Non Conforming & Portfolio): MAXIMUM REBATE AFTER PRICING ADJUSTMENTS AND BEFORE LENDER PAID COMPENSATION or MI DEDUCTIONS IS CAPPED AT 4.000% Lender Paid Compensation (LPC) remains at 2.750% FILES WITH COMPLETE DOCUMENTATION WILL RECEIVE PRIORITY AND UNDERWRITING TURN TIME DAYS WILL START COUNTING FROM THE DAY THE SUBMISSION FILE IS COMPLETE AND ASSIGNED TO AN UNDERWRITER

2 ALT DOC PROGRAM For Self-Employed Borrowers (Portfolio Program #PFA) NO /1 ARM term available (5/2/5 caps) NO PREPAY Non-owner Cash out OK 620 Minimum FICO DTI up to 50% max No seasoning on Cash out Up to $2,500,000 loan amount (minimum loan amount $50,000) Gift funds are allowed (minimum 30% of borrower s own funds) 12 month seasoning on Foreclosure and short sale Primary borrower must be self-employed; may have W-2 co-borrower Qualify at start rate 1 year LIBOR index / Margin % LTV max 3 OPTIONS for Alternative Income Verification (see below): Option #1 CPA LETTER - CPA letter stating income over the last 12 months - 3 month most recent personal bank statements - 25% or greater of ownership interest in business (certified) - CPA/Tax preparer attestation for same business in the last 2 years 3 Documentation Options Option #2 P & L STATEMENT (Net business income) - 12 month P&L prepared & certified by 3rd party CPA/Tax Preparer - 3 month most recent personal bank statements - 100% of ownership interest in business (certified) - CPA/Tax preparer attestation for same business in the last 2 years Option #3 12 mos. PERSONAL BANK STATEMENTS Contact your AE for more info. Phone: month P&L prepared by borrower OR 3rd party CPA/Tax Preparer (certified) - 12 month most recent personal bank statements - 25% or greater of ownership interest in business (certified) - CPA/Tax preparer attestation for same business in the last 2 years

3 PREMIER Conforming & High Balance Program Highlights 1 YR Tax Return Program with an AUS Approval DTI max up to 50% per AUS Approval Blended ratios on all transactions with an AUS Approval Non Occupant Co-borrower permitted with AUS Approval Omit debt with 12 month cancelled checks Cash out okay for recently listed properties. Cash out with 1 Day off the market (C/O and R/T must not be currently listed) Cash out on High Balance up to 75% LTV Max (1 unit owner occupied with minimum FICO 620) Cash out refinance with less than 6 months seasoning on delayed financing. No title seasoning required for Cash out if property was purchased without Mortgage Financing Borrowed/Secured Funds Funds for purchase transaction may be from HELOC on other secured properties, or other sourced and seasoned funds. Contact your Sales Representative for more details! Office: / Toll Free: / License No / NMLS ID: 76296

4 Are the County Loan Limits killing your loans??? We can save your loans with our Non-Conforming Products with loan amounts as low as $417,001! CLASSIC SUPER JUMBO (CSJ) Max loan amount up to $5.0 Mil Minimum FICO 680 Primary Only Purchase or R/T Terms Available: 30 & 15 Yr Fixed, 7/1 & 5/1 Arm 30 and 60 Day Lock Terms available Cash out up to $500,000 Max DTI 43% (Primary) and 40% (Investment) ADVANTAGE SUPER JUMBO (ASJ) Max loan amount up to $5.0 Mil Minimum FICO 720 Terms Available: 30 & 15 Yr Fixed, 7/1 & 5/1 Arm 14 and 30 Day Lock Terms available Cash out up to $500,000 SELECT SUPER JUMBO (SSJ) Loan amount up to $1 Mil w/ CASHOUT to $300,000 with Max LTV at 75% (owner occupy only) & Minimum FICO 700 Loan Amounts From $417.1 to $2.5 Mil Terms Available: 30 Yr Fixed, 7/1 & 5/1 Arm 2nd home (Purchase & Rate/Term) Max 65% LTV up to $2.0 Mil Loan Amount 2 unit Primary (Purchase & Rate/Term) Max 70% LTV up to $1.0 Mil Loan Amount Contact your AE for more info. Phone:

5 NON-PERMANENT RESIDENT BORROWER Product Highlights Conforming or High Balance Conforming Loans Min. 1 Fico Score with 700 Max DTI 45% No MI Purchase, Rate/Term Refinance or Cash out transactions Max 80% LTV (Purchase or Rate/Term) Cash out Conforming Max 75% LTV up to $200,000 cash back Cash out High Balance Max 60% LTV up to $200,000 cash back Eligible Property type: 1 unit SFR, PUD, Condo 30 & 15 year fixed terms 10/1 and 7/1 ARM terms (ARMs qualify at note rate) No prepayment penalty Credit history AUS determines 2 year U.S. employment for non-permanent resident aliens not required. ( 2 year employment history is required to be listed on application) 2 year residency in the U.S. for non-permanent resident aliens not required. Require a valid visa that meets our classes listed in Eligible Visa Classification Chart on our website in Learning Center/Resources Tab. Borrower(s) with a valid SSN - treated the same as U.S. citizens for qualifying. Must have a AUS Eligible for credit review purposes. AUS may give you ineligible out of scope or similar messages due to insufficient credit. (Foreign credit transfers complimentary client assistance can be provided) Income documentation supported by ( may require 1 or more income document depending on applicant scenario): Current Employment Contract Paystubs WVOE previous employment by a foreign corporation with prior year earnings or Foreign income earned by a borrower who is employed by a foreign corporation or a foreign government and is paid in foreign currency. Borrowers may use foreign income to qualify if the following requirements are met. - Copies of his or her signed federal income tax returns for the most recent two years that include foreign income. Contact your AE for details! Website: Office:

6 VOE WAGE EARNER ONLY Product Highlights Conforming or High Balance Conforming Loans Salaried borrowers only W2 transcripts may be required Max DTI 45% No MI Min. 700 Fico Score Written VOE must include YTD earnings and covering prior two year earnings Income used must be base salary only, borrowers who generally have reported expenses (2106) do not qualify. Primary Residence only Purchase, Rate/Term Refinance or Cash out transactions Max 80% LTV (Purchase or Rate/Term) Cash out Conforming Max 75% LTV up to $200,000 cash back Cash out High Balance Max 60% LTV up to $200,000 cash back Eligible property type: 1 Unit - SFR, PUD, Condo Max 1-4 financed properties 30 & 15 year fixed terms 10/1 and 7/1 ARM terms (ARMs qualify at note rate) No Prepayment Penalty Contact your AE for details! Website: Office:

7 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) VOE - WAGE EARNER ONLY 30YR FIXED 15YR FIXED 10/1 ARM 7/1 ARM PFV-30 PFV-15 PFV-101 PFV (4.375) (4.250) (3.500) (3.375) (3.875) (3.750) (3.500) (3.375) (3.875) (3.750) (3.375) (3.250) (3.375) (3.250) (3.250) (3.125) (3.750) (3.625) (3.250) (3.125) (2.875) (2.750) (2.875) (2.750) (3.375) (3.250) (3.000) (2.875) (2.375) (2.250) (2.375) (2.250) (3.250) (3.125) (2.500) (2.375) (1.875) (1.750) (2.000) (1.875) (2.875) (2.750) (1.875) (1.750) (1.375) (1.250) (1.500) (1.375) (2.250) (2.125) (1.375) (1.250) (0.875) (0.750) (1.125) (1.000) (1.500) (1.375) (1.000) (0.875) (0.375) (0) (0.625) (0.500) (0.750) (0.625) (0.500) (0.375) (0.125) ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term Conforming or High Balance FICO <= Salaried borrowers only ***MAX 2.00 REBATE AFTER ADJUSTMENTS (NOT W2 transcripts required INCLUDING LPC) Max 45% DTI No MI CASH OUT FICO/LTV - All Terms LIBOR ARM CAPS & MARGIN ARMs qualify at note rate FICO <= PRODUCT MARGIN CAPS INDEX Min 700 Fico Score / /2/ Written VOE w/ YTD earnings and / /2/ covering prior two years Primary residence only PRICE ADJUSTERS Purchase, Rate & Term Refi, Cash Out Max 1 4 financed properties Product LTV Price Adjust No Self Employed Income Condo w/ term >15Yr & ARM ALL LTVs 0.75 Use SC Special Conforming basic Loan Amount $80K-$99,999 ALL LTVs 0.50 borrower qualification & No Impound ALL LTVs documentation requirements High Balance LN Amt >$417k ALL LTVs Streamline Income Verified Asset Program (Portfolio SIVA #PFS) 5/1 ARM 7/1 ARM Price Adjustments PFS-51 PFS-71 Feature Price Rate 45 Day Rate 45 Day Cash Out (1.000) (1.000) Loan Amount >$1,000,000 to $1,125, (0.750) (0.750) Loan Amount >$1,125,000 to $1,250, (0.500) (0.500) Loan Amount >$1,250,000 to $1,375, Loan Amount >$1,375,000 to $2,000, ESCROWS REQUIRED LIBOR ARM CAPS & MARGIN SELF EMPLOYED ONLY PRODUCT MARGIN CAPS INDEX MIN. LOAN AMOUNT: $300,000 MIN. 700 FICO MAX. LOAN AMOUNT: $2.0 MIL 5/ /2/ MAX. 70% LTV 7/ /2/ MAX. 43% DTI STREAMLINE INCOME NO TAX RETURN INVESTOR APPROVAL NO 4506 REQUIRED REQUIRED PRIOR TO DOC MAX PREMIUM OF 1.00% OF LOAN AMOUNT OR $10,000 AFTER ADJUSTMENT ALT DOC & FULL DOC PROGRAM (Portfolio Program Options PFA-1 / PFA-2 / PFA-3) 5/1 ARM PFA-51 (or) PFF-51 Note Rate Adjustments Rate 60 Day Feature Rate (1.000) Cash Out (0.750) Financial Statement (0.500) Foreclosure/Short Sale (0) Investment Property Full Doc (Code: PFF) + MIN. 620 FICO MAX. 60%LTV MAX. 50%DTI INVESTOR APPROVAL REQUIRED PRIOR TO DOC Margin Cap /2/5 MAX LOAN AMOUNT $2.5 MIL NON-OWNER CASH OUT OK!!! NO SEASONING ON CASH OUT GIFT FUNDS ARE ALLOWED 12 MO. SEASONING ON FORECLOSURE & SHORT SALE Index (1 Yr Libor) 0.69 Conforming High Balance Lender Fee: $1,295 1 Unit $417,000 $625, Desk Review Fee: $150 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension:

8 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) TRADITIONAL CONFORMING & HIGH BALANCE 30YR FIXED 15YR FIXED 7/1 ARM 5/1 ARM TC-30/TH-30 TC-15/TH-15 TC-71/TH-71 TC-51/TH (6.125) (5.875) (5.250) (5.000) (3.250) (3.000) (3.250) (3.000) (5.750) (5.500) 500) (4.875) (4.625) (2.875) (2.625) (3.000) (2.750) (5.250) (5.000) (4.375) (4.125) (2.500) (2.250) (2.750) (2.500) (4.500) (4.250) (3.750) (3.500) (2.125) (1.875) (2.500) (2.250) (3.750) (3.500) (3.250) (3.000) (1.625) (1.375) (2.125) (1.875) (3.250) (3.000) (2.750) (2.500) (1.250) (1.000) (1.750) (1.500) (2.625) (2.375) (2.250) (2.000) (0.875) (0.625) (1.375) (1.125) (1.875) (1.625) (1.625) (1.375) (0) (0.875) (0.625) (0.875) (0.625) (0.875) (0.625) LTV/FICO - Greater Than 15Yr Term & ARM Subordinate Adjusters-All Terms FICO <= LTV CLTV FICO ADJUST 740+ () < = < () < = >= () < >= < >= LIBOR ARM CAPS & MARGIN CASH OUT REFI FICO/LTV - All Terms PRODUCT MARGIN CAPS INDEX FICO <= / /2/ N/A N/A N/A 5/ /2/ N/A N/A N/A 7/ /2/ N/A N/A N/A 10/ /2/ N/A N/A N/A 3/1 & 5/1 ARM Products: Qualify Note Rate N/A N/A N/A N/A N/A N/A ***MAX 4.00 REBATE AFTER ADJUSTMENTS (NOT INCLUDING LPC OR PRICE ADJUSTERS - refer to matrix for eligibility MI) Product LTV Price Adjust ARM % 5 10 Properties OK High Balance Cash-Out(cumulative) Max 60% 1.00 Condo w/ term >15Yr & ARM % 0.75 Derogatory Credit OK 2 Units Max 85% 1.00 PLEASE REFER TO 1ST PAGE OF 3-4 Units Max 75% 1.00 RATE SHEET FOR Loan Amount $80K-$99, % 0.50 MI (MORTGAGE INSURANCE Non-Owner <= 75% 2.00 Non-Owner % 3.25 PRICING ADJUSTMENTS) Non-Owner % 3.75 No Impound High Balance LN Amt >$417k NON-PERMANENT RESIDENT BORROWER 30YR FIXED 15YR FIXED 10/1 ARM 7/1 ARM NPB-30 NPB-15 NPB-101 NPB (4.250) (3.125) (3.250) (3.125) (2.500) (2.375) (2.625) (2.500) (3.750) (2.750) (2.875) (2.750) (2.000) (1.875) (2.375) (2.250) (3.250) (2.375) (2.500) (2.375) (1.625) (1.500) (2.000) (1.875) (2.375) (2.000) (2.125) (2.000) (1.250) (1.125) (1.625) (1.500) (1.875) (1.500) (1.625) (1.500) (0.750) (0.625) (1.125) (1.000) (1.375) (0.875) (1.000) (0.875) (0) (0.125) (0.625) (0.500) (0.500) (0.500) (0.625) (0.500) (0) (0.125) (0.125) ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term FICO <= Conforming or High Balance Bl year credit history not required CASH OUT REFI FICO/LTV - All Terms 2 year US employment and FICO <= residency in U.S. for nonpermanent resident aliens not required LIBOR ARM CAPS & MARGIN Valid visa on Eligible Visa ***MAX 2.00 REBATE AFTER PRODUCT MARGIN CAPS INDEX Classifcation Chart(see Learning ADJUSTMENTS (NOT INCLUDING LPC) 7/ /2/5 Gross Center/Resources on 10/ /2/5 Gross cslending.com) PRICE ADJUSTERS Product LTV Price Adjust Borrower with valid SSN qualifies Condo w/ term >15Yr & ARM ALL LTVs 0.75 as US Citizen Loan Amount $80K-$99,999 ALL LTVs 0.50 No Impound ALL LTVs High Balance LN Amt >$417k ALL LTVs Conforming High Balance Lender Fee: $1,295 1 Unit $417,000 $625,500 Desk Review Fee: $150 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension:

9 6061 Dale St. Suite H, Buena Park, CA Tel: * Fax: Effective Date: 3/25/2015 Effective Time: 9:30 AM SPECIAL CONFORMING 14 Day Lock Expire Date: 25 Day Lock Expire Date: 4/8/2015 4/20/2015 Pricing Dept Fax: IMPORTANT DOC INFO Last Day to Order Docs: 3/30/2015 Last Day to Re-draw: 3/30/2015 Last Day to Fund: 4/6/2015 Doc Cut-Off Time: 2:00 PM (PST) 30/25YR FIXED 20YR FIXED 15YR FIXED 10YR FIXED SC-30/25 SC-20 SC-15 SC (6.375) (6.125) (6.125) (5.875) (5.500) (5.250) (5.125) (4.875) (6.000) (5.750) (5.625) (5.375) (5.125) (4.875) (4.875) (4.625) (5.500) (5.250) (5.125) (4.875) (4.625) (4.375) (4.500) (4.250) (4.750) (4.500) (4.625) (4.375) (4.000) (3.750) (3.875) (3.625) (4.000) (3.750) (4.125) (3.875) (3.500) (3.250) (3.500) (3.250) (3.500) (3.250) (3.625) (3.375) (3.000) (2.750) (3.250) (3.000) (2.875) (2.625) (3.000) (2.750) (2.500) (2.250) (2.750) (2.500) (2.125) (1.875) (2.125) (1.875) (1.875) (1.625) (2.250) (2.000) (1.125) (0.875) (1.250) (1.000) (1.125) (0.875) (1.625) (1.375) 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM SC-101 SC-71 SC-51 SC (3.500) (3.250) (3.500) (3.250) (3.500) (3.250) (2.750) (2.500) (3.500) (3.250) (3.125) (2.875) (3.250) (3.000) (2.500) (2.250) (3.375) (3.125) (2.750) (2.500) (3.000) (2.750) (2.250) (2.000) (2.875) (2.625) (2.375) (2.125) (2.750) (2.500) (2.000) (1.750) (2.375) (2.125) (1.875) (1.625) (2.375) (2.125) (1.750) (1.500) (1.875) (1.625) (1.500) (1.250) (2.000) (1.750) (1.500) (1.250) (1.375) (1.125) (1.125) (0.875) (1.625) (1.375) (1.000) (0.750) (0.500) (0) (0.500) (0) (1.125) (0.875) (0.500) (0) (0) (0.125) AGENCY CONFORMING ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term & ARM Subordinate Adjusters-All Terms FICO <= LTV CLTV FICO ADJUST 740+ () < = < () < = >= () < >= < >= LIBOR ARM CAPS & MARGIN CASH OUT REFI FICO/LTV - All Terms PRODUCT MARGIN CAPS INDEX FICO <= / /2/ N/A N/A N/A 5/ /2/ N/A N/A N/A 7/ /2/ N/A N/A N/A 10/ /2/ N/A N/A N/A 3/1 & 5/1 ARM Products: Qualify Note Rate N/A N/A N/A N/A N/A N/A ***MAX 4.00 REBATE AFTER N/A N/A N/A ADJUSTMENTS (NOT INCLUDING LPC OR PRICE ADJUSTERS - refer to matrix for eligibility MI) Product LTV Price Adjust ARM % Condo w/ term >15Yr & ARM % Units Max 85% Units Max 75% 1.00 Loan Amount $80K-$99, % 0.50 Non-Owner <= 75% 2.00 Non-Owner % 3.25 Non-Owner % 3.75 No Impound BORROWER PAID MI (BPMI) LENDER PAID MI (LPMI) Monthly-Fixed Rate Only Single-Fixed Rate Only LTV LTV MI ADJUSTERS - apply to factor MI ADJUSTERS - apply to price <25yr (0.03) (0.05) (0.08) (0.11) (0.14) <25yr (0.18) (0.18) (0.28) (0.39) (0.39) R&T Refi R&T Refi Non-Own N/A N/A N/A Non-Own N/A N/A N/A 2nd Home nd Home Conforming High Balance Lender Fee: $1,075 1 Unit $417,000 $625,500 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension:

10 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) SPECIAL HIGH BALANCE 30 YR FIXED 15 YR FIXED 7/1 ARM 5/1 ARM SH-30 SH-15 SH-71 SH (4.125) (3.875) (3.500) (3.250) (3.500) (3.250) (3.125) (2.875) (4.125) (3.875) (3.250) (3.000) (3.375) (3.125) (2.875) (2.625) (4.125) (3.875) (3.000) (2.750) (3.125) (2.875) (2.625) (2.375) (3.750) (3.500) (2.625) (2.375) (2.875) (2.625) (2.250) (2.000) (3.000) (2.750) (2.125) (1.875) (2.500) (2.250) (2.000) (1.750) (2.500) (2.250) (1.875) (1.625) (2.000) (1.750) (1.750) (1.500) (2.125) (1.875) (1.625) (1.375) (1.625) (1.375) (1.500) (1.250) (1.625) (1.375) (1.125) (0.875) (1.250) (1.000) (1.125) (0.875) (0.750) (0.500) (0.500) (0) (0.875) (0.625) (0.750) (0.500) SPECIAL HIGH BALANCE ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term & ARM Subordinate Adjusters-All Terms FICO <= LTV CLTV FICO ADJUST 740+ () N/A < = < () N/A < = > = () N/A < N/A > = N/A < N/A > = N/A CASH OUT REFI FICO/LTV - All Terms LIBOR ARM CAPS & MARGIN FICO <= PRODUCT MARGIN CAPS INDEX N/A N/A N/A N/A N/A N/A 5/ /2/ N/A N/A N/A N/A N/A N/A 7/ /2/ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 3/1 & 5/1 ARM PRODUCTS: QUALIFY N/A N/A N/A N/A N/A N/A NOTE RATE N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A PRICE ADJUSTERS - refer to matrix for eligibility ***MAX 4.00 REBATE AFTER Product LTV Adjustment ADJUSTMENTS (NOT INCLUDING LPC OR High Balance Cash-Out (cumulative) Max 60% 1.00 MI) Condo w/ term >15Yr & ARM to 90% 0.75 Note: For 20 and 25 year fixed 2 Units Max 75% 1.00 pricing, refer to the 30 year fixed 3-4 Units Max 75% 1.00 product (SH 30) Non-Owner Max LTV 65% 2.00 No Impound BORROWER PAID MI (BPMI) Monthly-Fixed Rate Only LENDER PAID MI (LPMI) Single-Fixed Rate Only LTV LTV MI ADJUSTERS - apply to factor MI ADJUSTERS - apply to price <25yr (0.03) (0.05) (0.08) (0.11) (0.14) <25yr (0.18) (0.18) (0.28) (0.39) (0.39) R&T Refi R&T Refi Non-Own N/A N/A N/A Non-Own N/A N/A N/A 2nd Home nd Home >$417k >$417k Conforming High Balance Lender Fee: $1,075 1 Unit $417,000 $625,500 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension:

11 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) PREMIER CONFORMING 30/25YR FIXED 20YR FIXED 15YR FIXED 10YR FIXED PC-30 PC-20 PC-15 PC (6.375) (6.125) (6.125) (5.875) (5.500) (5.250) (5.125) (4.875) (6.000) (5.750) (5.625) (5.375) (5.125) (4.875) (4.875) (4.625) (5.500) (5.250) (5.125) (4.875) (4.625) (4.375) (4.500) (4.250) (4.750) (4.500) (4.625) (4.375) (4.000) (3.750) (3.875) (3.625) (4.000) (3.750) (4.125) (3.875) (3.500) (3.250) (3.500) (3.250) (3.500) (3.250) (3.625) (3.375) (3.000) (2.750) (3.250) (3.000) (2.875) (2.625) (3.000) (2.750) (2.500) (2.250) (2.750) (2.500) (2.125) (1.875) (2.125) (1.875) (1.875) (1.625) (2.250) (2.000) (1.125) (0.875) (1.250) (1.000) (1.125) (0.875) (1.625) (1.375) 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM PC-101 PC-71 PC-51 PC (3.250) (3.000) (3.250) (3.000) (3.250) (3.000) (2.500) (2.250) (3.250) (3.000) (2.875) (2.625) (3.000) (2.750) (2.250) (2.000) (3.125) (2.875) (2.500) (2.250) (2.750) (2.500) (2.000) (1.750) (2.625) (2.375) (2.125) (1.875) (2.500) (2.250) (1.750) (1.500) (2.125) (1.875) (1.625) (1.375) (2.125) (1.875) (1.500) (1.250) (1.625) (1.375) (1.250) (1.000) (1.750) (1.500) (1.250) (1.000) (1.125) (0.875) (0.875) (0.625) (1.375) (1.125) (0.750) (0.500) (0) (0) (0.875) (0.625) (0) PREMIER CONFORMING ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term & ARM Subordinate Adjusters-All Terms FICO <= LTV CLTV FICO ADJUSTER 740+ () < = < () < = > = () < > = < > = LIBOR ARM CAPS & MARGIN CASH OUT REFI FICO/LTV - All Terms PRODUCT MARGIN CAPS INDEX FICO <= / /2/ N/A N/A N/A 7/ /2/ N/A N/A N/A 10/ /2/ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A PRICE ADJUSTERS - refer to matrix for eligibility Product LTV Adjustment ARM % Condo w/ term >15Yr & ARM % Units Max 80% Units Max 80% 1.00 Loan Amount $80K-$99, % 0.50 Non-Owner <= 75% 2.00 Non-Owner % 3.25 Non-Owner % 01-85% No Impound - CA only BORROWER PAID MI (BPMI) Monthly-Fixed Rate Only 3/1 & 5/1 ARM Products: Qualify Note Rate + 2 ***MAX 4.00 REBATE AFTER ADJUSTMENTS (NOT INCLUDING LPC OR MI) 1 yr tax return LENDER PAID MI (LPMI) Single-Fixed Rate Only LTV LTV MI ADJUSTERS - apply to factor MI ADJUSTERS - apply to price <25yr (0.03) (0.05) (0.08) (0.11) (0.14) <25yr (0.18) (0.18) (0.28) (0.39) (0.39) R&T Refi R&T Refi Non-Own N/A N/A N/A Non-Own N/A N/A N/A 2nd Home nd Home Conforming High Balance Lender Fee: $1,075 1 Unit 2 Units $417,000 $533,850 $625,500 $800, Day Extension: Units $645,300 $967, Day Extension:

12 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) PREMIER HIGH BALANCE 30YR FIXED 15YR FIXED 7/1 ARM 5/1 ARM PH-30 PH-15 PH-71 PH (4.125) (3.875) (3.500) (3.250) (3.250) (3.000) (2.875) (2.625) (4.125) (3.875) (3.250) (3.000) (3.125) (2.875) (2.625) (2.375) (4.125) (3.875) (3.000) (2.750) (2.875) (2.625) (2.375) (2.125) (3.750) (3.500) (2.625) (2.375) (2.625) (2.375) (2.000) (1.750) (3.000) (2.750) (2.125) (1.875) (2.250) (2.000) (1.750) (1.500) (2.500) (2.250) (1.875) (1.625) (1.750) (1.500) (1.500) (1.250) (2.125) (1.875) (1.625) (1.375) (1.375) (1.125) (1.250) (1.000) (1.625) (1.375) (1.125) (0.875) (1.000) (0.750) (0.875) (0.625) (0.750) (0.500) (0.500) (0) (0.625) (0.375) (0.500) (0) PREMIER HIGH BALANCE ADJUSTMENTS LTV/FICO - Greater Than 15Yr Term & ARM Subordinate Adjusters-All Terms FICO <= LTV CLTV FICO ADJUSTER 740+ () N/A < = < () N/A < = > = () N/A < N/A > = N/A < N/A > = N/A LIBOR ARM CAPS & MARGIN CASH OUT REFI FICO/LTV-All Terms PRODUCT MARGIN CAPS INDEX FICO <= / /2/ N/A N/A N/A N/A 7/ /2/ N/A N/A N/A N/A 3/1 & 5/1 ARM Products: Qualify Note Rate N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A PRICE ADJUSTERS - refer to matrix for eligibility Product LTV Adjustment High Balance Cash-Out (cumulative) Max 75% 1.00 Condo w/ term >15Yr & ARM % Units Max 75% Units Max 75% 1.00 Non-Owner <= 75% 2.00 Non-Owner % 3.25 No Impound BORROWER PAID MI (BPMI) Monthly - Fixed Rate Only 2 ***MAX 4.00 REBATE AFTER ADJUSTMENTS (NOT INCLUDING LPC OR MI) 1yr tax return Note: For 20 and 25 year fixed pricing, refer to the 30 year fixed product (PH 30) LENDER PAID MI (LPMI) Single - Fixed Rate Only LTV LTV MI ADJUSTERS - apply to factor MI ADJUSTERS - apply to price <25yr (0.03) (0.05) (0.08) (0.11) (0.14) <25yr (0.18) (0.18) (0.28) (0.39) (0.39) R&T Refi R&T Refi Non-Own N/A N/A N/A Non-Own N/A N/A N/A 2nd Home nd Home >$417k >$417k Conforming High Balance Lender Fee: $1,075 1 Unit $417,000 $625,500 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension:

13 14 Day Lock Expire Date: 4/8/ Day Lock Expire Date: 4/20/2015 Pricing Dept Fax: Dale St. Suite H, Buena Park, CA IMPORTANT DOC INFO Tel: * Fax: Last Day to Order Docs: 3/30/ Last Day to Re-draw: 3/30/2015 Effective Date: 3/25/2015 Last Day to Fund: 4/6/2015 Effective Time: 9:30 AM Doc Cut-Off Time: 2:00 PM (PST) CLASSIC SUPER JUMBO 30YR FIXED CSJ-30 15YR FIXED CSJ-15 7/1 ARM CSJ-71 5/1 ARM CSJ-51 Rate 30 Day 60 Day Rate 30 Day 60 Day Rate 30 Day 60 Day Rate 30 Day 60 Day (3.125) (2.750) (3.250) (2.875) (2.250) (1.875) (2.125) (1.750) (2.750) (2.375) (2.875) (2.500) (2.000) (1.625) (1.875) (1.500) (2.375) (2.000) (2.625) (2.250) (1.750) (1.375) (1.625) (1.250) (2.000) (1.625) (2.250) 250) (1.875) (1.375) (1.000) (1.375) (1.000) (1.500) (1.125) (1.875) (1.500) (1.125) (0.750) (1.125) (0.750) (1.000) (0.625) (1.500) (1.125) (0.750) (0.375) (0.875) (0.500) (0.500) (0.125) (1.125) (0.750) (0.500) (0.125) (0.625) (0) (0.750) (0.375) (0.125) (0.375) (0.375) (0.125) 0 CLASSIC SUPER JUMBO ADJUSTMENTS LTV/FICO - FIXED/ARM ADJUSTMENTS Max loan $5.0 MILLION FICO Cashout 0.50 MIN FICO 680 PRIMARY ONLY PURCH or R/T Refi 7/1 & 5/1 CASHOUT UP TO $500, Refi 15YR & 10/ AUTOMATIC PAYMENT (ACH) IS REQUIRED Refi 30YR & 20YR MAX DTI 43% FOR PRIMARY TRANSACTION Max Price - Fixed N/A Max Price - ARM /1 & 5/1 MARGINS 2.25 Index - LIBOR /2/5 7/1 & 5/1 CAPS ADVANTAGE SUPER JUMBO 30YR FIXED 15YR FIXED 7/1 ARM 5/1 ARM ASJ-30 ASJ-15 ASJ-71 ASJ-51 Rate 14 Day 30 Day Rate 14 Day 30 Day Rate 14 Day 30 Day Rate 14 Day 30 Day (3.000) (2.875) (2.125) 2 (2.000) (2.375) (2.250) (1.875) (1.750) (2.875) (2.750) (1.875) (1.750) (2.125) (2.000) (1.875) (1.750) (2.500) (2.375) (1.625) (1.500) (1.750) (1.625) (1.625) (1.500) (2.250) (2.125) (1.375) (1.250) (1.375) (1.250) (1.250) (1.125) (1.875) (1.750) (1.000) (0.875) (0.875) (0.750) (0.875) (0.750) (1.375) (1.250) (0.750) (0.625) (0.375) (0) (0.375) (0) (0.625) (0.500) (0.375) (0) (0.125) LTV/FICO >= ADVANTAGE SUPER JUMBO ADJUSTMENTS FICO ADJUSTMENTS <= LOAN TYPE ADJUSTERS <= MAX LOAN $2 MILLION MIN FICO 720 MAX DTI 43% CASHOUT UP TO $500k REBATE CAPS Purchase Max Price 30yr Cash Out Refi Max Price 15yr Condo Max Price ARM nd Home Unit ARM MARGIN % CA Property /1 CAPS - 2/2/5 7/1 CAPS - 5/2/5 Index - LIBOR 0.69 SELECT SUPER JUMBO 30YR FIXED 15YR FIXED 7/1 ARM 5/1 ARM SSJ-30 SSJ-15 SSJ-71 SSJ-51 Rate 14 Day 30 Day Rate 14 Day 30 Day Rate 14 Day 30 Day Rate 14 Day 30 Day (1.375) (1.250) (0.875) (0.750) (1.375) (1.250) (0.875) (0.750) (1.375) (1.250) (0.875) (0.750) (1.250) (1.125) (0.750) (0.625) (1.125) (1.000) (0.875) (0.750) (1.000) (0.875) (0.625) (0.500) (0.750) (0.625) (0.625) (0.500) (0.875) (0.750) (0.375) (0) (0.375) (0) (0.500) (0.375) (0.500) (0.375) (0.125) (0) (0.125) (0) (0.125) SELECT SUPER JUMBO ADJUSTMENTS FICO ADJUSTMENTS Max $2.5MILLION FICO <= >= MIN FICO MAX DTI 43% N/A CASH OUT Max $300K LOAN TYPE ADJUSTERS PRICE ADJUSTERS <= Loan amt <$1MM Max Price - Fixed Loan amt $1,000,001 - $1,500, Max Price - ARM Loan amt $1,500,001 - $2,000, N/A N/A ARM Margin Loan amt $2,000,001 - $2,500, N/A N/A N/A Index - LIBOR nd Home N/A Cashout N/A 2-4 Units N/A N/A 5/1 ARM CAPS - 2/2/5 DTI >40% /1 ARM CAPS - 5/2/5 No Impound Conforming High Balance Lender Fee: $1,295 1 Unit $417,000 $625,500 Desk Review Fee: $150 2 Units $533,850 $800, Day Extension: Units $645,300 $967, Day Extension: 025