Page 1. PBM Market Update. PBM Economic Releases Factory Orders/Durable Goods Orders Trade Balance/Markit Services PMI/ISM Non Manufacturing

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1 8:38 AM See Economic Releases Page 1 PBM Market Update Monday Tuesday Wednesday Thursday Friday Extensions: For Jumbo Extensions, Please see the top of pages 6 and 7. PBM Economic Releases Factory Orders/Durable Goods Orders Trade Balance/Markit Services PMI/ISM Non Manufacturing Mortgage Applications/ADP Employment Jobless Claims/Bloomberg Consumer Comfort/Challenger Job Cuts November Employment Report/Univ. of Michigan Sentiment PBM Extension Policies PBM Expiration Dates on Today's Locks Days Cost 15 Day Lock 12/23/ Days 30 Day Lock 1/7/ Days 45 Day Lock 1/22/ Days Lock 2/6/2018 3rd Extension or Relocks: Worse Case Pricing Plus.25 For 15 Days Operation Turn Times *Free 7 day extension is current market is.500% in price better than existing lock. *Free 15 day extension is current market is.750% in price better than existing lock. A Renegotiation for a free extension counts as one of the two extensions given. For longer lock periods call your Wholesale Coordinators Set Up** Underwriting - Purchase Transaction Underwriting - Refi Transaction Closing Disclosure (CD) Docs Fundings **Timing may vary depending on quality of submission 1-2 Days 1-2 Days 2-3 Days 24 Hours Hours 48 Hours WSJ PRIME WSJ 1YR LIBOR Indicies % 7 Yr Treasury 2.260% 1.997% 10 Year Treasury 2.360% 1YR CMT (Treasury) 1.620% 30 Yr Treasury 3.473% 3 Yr Treasury 5 Year Treasury 1.870% 1 Month Libor 1.432% 2.100% 6 Month Libor 1.723% Southern California Sales Staff Christina Hosseini - Regional Manager chosseini@myprovident.com (909) Lucy Pacheco - Account Executive lpacheco@myprovident.com (909) Debi Tambellini - Account Executive Dtambellini@myprovident.com (949) Wendy Hughes - Account Executive whughes@myprovident.com (714) Linda Kelly - Account Executive lkelly@myprovident.com (714) Melinda Marin - Account Executive mmarin@myprovident.com (310) Jeff Warner - Account Executive jwarner@myprovident.com (909) Stephanie Brownell - Account Executive sbrownell@myprovident.com (909) PBM Lock Policies *If changing Product Types during the lock period, lock must go to Worse Case Pricing. *If changing Product Codes within the same Product Type, the lock goes to the original lock date for pricing. *If changing Rates within the lock period, pricing goes to the original lock date's pricing. Southern California Operation's Staff All Operations Staff can be reached at (909) Christina Hosseini - Regional Manager chosseini@myprovident.com (909) Lisa Ledesma - Loan Origination Supervisor lledesma@myprovident.com Teresa Hererra - Funding Supervisor therrera@myprovident.com Patty Malloy - Underwriting Supervisor pmalloy@myprovident.com Wilhelmenia Barner - Loan Coordinator wbarner@myprovident.com Rebecca Nixon - Loan Coordinator rnixon@myprovident.com Michelle Morgan - Loan Coordinator MMorgan@myprovident.com UPCOMING PRODUCT ROLLOUTS *Expanding of Temporary Buydowns to Government Products *Expanding of Temporary Buydowns to Conventional High Balance Products TBD Submission Due Dates Lock Period Delivery Period Submission Due Date 30 Days 7 Days 12/15/ Days 14 Days 12/22/2017 s 21 Days 12/29/2017 Important Announcement PBM Lender Fees Administration Fee $ FHA Administration Fee $ FHA Streamline Administration Fee $ VA Administration Fee $ Flood, Tax and Wire Fee Included PBM stand alone 2nd TD $ PBM Mortgagee Clause Provident Savings Bank, F.S.B. Its Successors and/or Assigns 3756 Central Avenue Riverside, CA Lender Fee Buy-Out Option: In order to assist transactions in complying with the 3% ATR/QM Mortgage Regulatory Requirement, Provident Bank Mortgage provides a Lender Fee Buy-Out Option. This Option is facilitated through the PBM Broker Portal at time of registration or lock. For further details, please contact your Account Executive. Loan Officer Compensation Disclosure This Published Rate Sheet does not include any Loan Officer Compensation. Please make sure you adjust this Rate Sheet with your Compensation Plan with Provident Bank Mortgage before quoting your customers. If you are not sure what your Compensation Plan

2 8:38 AM Page 2 Fannie Mae/Freddie Mac Fixed Rate Product Programs Fannie Mae Conforming Fixed Programs Price Adjustments Fixed and Arm Programs (Loan Terms Greater than 15 Years) (Excludes Home Ready & Home Possible) >=740 FNMA Conforming 30 Year Fixed PF10 Max Rebate is % % Rate 15 Day 30 Day 45 Day % (6.125) (6.000) (5.750) (5.500) % (5.750) (5.625) (5.375) (5.125) % (5.375) (5.250) (5.000) (4.750) % (5.000) (4.875) (4.625) (4.375) % (4.750) (4.625) (4.375) (4.125) % (4.625) (4.500) () (4.000) Cashout Price Adjustments for Fixed Rate and Arm Program (4.125) (4.000) (3.750) () (3.625) () (3.250) (3.000) % (3.000) (2.875) (2.625) (2.375) % (2.625) (2.500) (2.250) () % () (1.875) (1.625) () CLTV Price Adjustments () () Fico <720 Fico >=720 FNMA Conforming 15 Year Fixed LTV <=65% CLTV % LTV <=65%/CLTV % PF20 Max Rebate is % LTV %/CLTV % LTV %/CLTV % Rate 15 Day 30 Day 45 Day LTV >75%CLTV % LTV > 75%/CLTV % (3.875) (3.750) () (3.250) CLTV > 95% Additional CLTV > 95% Additional (3.750) (3.625) () (3.125) Miscellaneous Price Adjustments for Fixed Rate and Arm Programs () (3.250) (3.000) () Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79, (3.250) (3.125) (2.875) (2.625) Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99, (3.000) (2.875) (2.625) (2.375) Investment %LTV Loan Amounts $100,000 to $119, (2.375) (2.250) () () Investment Purchase 85% LTV Up to 6 Financed Properties(LP Only) (1.875) () () () 2-4 Units Up to 10 Financed Properties(DU Only) () (1.625) () () No Impounds (LP Approval)-Manufactured Homes () () () () Condo LTV > 75% LTV () () Additional Miscellaneous Adjustments for Conforming High Balance Programs Cashout Refinance Fixed Rate <= 80% LTV Cashout Refinance Arms <= 80% LTV LTV % Freddie Mac Arm Programs Only: LTV > 75% Home Ready & Home Possible MAX CAPS 680+/LTV >80% <680/ >80% ALL FICO / < =80% (Home Possible Only) Loan Amount, Waived Escrows and LPMI Adjustments still apply outside of the Max Cap FNMA Conforming 20 Year Fixed Home Ready CF15HRFN, CF30HRFN LPMI: CF15HRFNLPMI, CF30HRFNLPMI High Balance: CF15HBHRFN, CF30HBHRFN PF11 Max Rebate is % Home Possible CF15HPFR, CF30HPFR Advantage: CF15HPAFR, CF30HPAFR Rate 15 Day 30 Day 45 Day Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) (6.375) (6.250) (6.000) (5.750) LTV MI Fico (5.625) (5.500) (5.250) (5.000) % 30% (5.250) (5.125) (4.875) (4.625) % 25% (5.000) (4.875) (4.625) (4.375) % 12% (4.875) (4.750) (4.500) () 25, 15 and 10 Year Fixed Rate (4.375) () (4.000) (3.750) % 25% (3.875) (3.750) () (3.250) % 12% (3.250) (3.125) (2.875) (2.625) % 6% (2.875) () (2.500) (2.250) Rate Term Refinance (2.250) (2.125) (1.875) (1.625) Cashout Refinance Second Home High Balance Loan Amount Please include the above applicable LLPA's to the LPMI Adjustments Home Possible Advantage/Home Ready ONLY 30 Year % 35% Home Possible Advantage/Home Ready ONLY <25 Years % 35% FNMA Conforming 10 Year Fixed Conforming High Balance 30 Year Fixed Conforming High Balance 15 Year Fixed PF06 Max Rebate is % PF58 Max Rebate is % PF57 Max Rebate is % (4.000) (3.875) (3.625) () (4.500) (4.375) (4.125) (3.875) (3.000) (2.875) (2.625) (2.375) (3.875) (3.750) () (3.250) (4.125) (4.000) (3.750) () (2.875) () (2.500) (2.250) () () (3.125) (2.875) (3.750) (3.625) () (3.125) (2.500) (2.375) (2.125) (1.875) () (3.250) (3.000) () () (3.250) (3.000) () (2.375) (2.250) () () (3.125) (3.000) () (2.500) (3.125) (3.000) () (2.500) (2.125) () () () (2.500) (2.375) (2.125) (1.875) (3.000) (2.875) (2.625) (2.375) () () () () () (1.875) (1.625) () (2.500) (2.375) (2.125) (1.875) () () () () (1.875) () () () () (1.875) (1.625) () () () () () () () () () () () () ()

3 8:38 AM Page 3 Fannie Mae/ Freddie Mac Fixed Rate Programs Price Adjustments Fixed and Arm Programs (Loan Terms Greater than 15 Years) (Excludes Home Ready & Home Possible) Freddie Mac Conforming 30 Year Fixed >=740 P13F Max Rebate is % Rate 15 Day 30 Day 45 Day % (6.125) (6.000) (5.750) (5.500) % (5.750) (5.625) (5.375) (5.125) % (5.375) (5.250) (5.000) (4.750) % (5.000) (4.875) (4.625) (4.375) % (4.750) (4.625) (4.375) (4.125) % (4.625) (4.500) () (4.000) % (4.125) (4.000) (3.750) () Cashout Price Adjustments for Fixed Rate and Arm Program (3.625) () (3.250) (3.000) (3.000) (2.875) (2.625) (2.375) % (2.625) (2.500) (2.250) () % () (1.875) (1.625) () % CLTV Price Adjustments Freddie Mac Conforming 15 Year Fixed Fico <720 Fico >=720 P23F Max Rebate is % LTV <=65% CLTV % LTV <=65%/CLTV % Rate 15 Day 30 Day 45 Day LTV %/CLTV % LTV %/CLTV % (3.875) (3.750) () (3.250) LTV >75%CLTV % LTV > 75%/CLTV % (3.750) (3.625) () (3.125) CLTV > 95% Additional CLTV > 95% Additional () (3.250) (3.000) () Miscellaneous Price Adjustments for Fixed Rate and Arm Programs (3.250) (3.125) (2.875) (2.625) Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79, (3.000) (2.875) (2.625) (2.375) Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99, (2.375) (2.250) () () Investment %LTV Loan Amounts $100,000 to $119,999 (1.875) () () () Investment Purchase 85% LTV Up to 6 Financed Properties(LP Only) () (1.625) () () 2-4 Units Up to 10 Financed Properties(DU Only) () () () () No Impounds (LP Approval)-Manufactured Homes () () Condo LTV > 75% LTV Additional Miscellaneous Adjustments for Conforming High Balance Programs Cashout Refinance Fixed Rate <= 80% LTV Cashout Refinance Arms <= 80% LTV Freddie Mac Open Access 30 Year Fixed LTV % Freddie Mac Arm Programs Only: LTV > 75% PF13 Max Rebate is % Rate 15 Day 30 Day 45 Day Open Access Cap Price Adjustments (4.875) (4.750) (4.500) () >= (4.500) (4.375) (4.125) (3.875) % () (4.125) (3.875) (3.625) EligibleProduct Features Loan Terms <=80% % > 105% (4.125) (4.000) (3.750) () Primary Residence/2nd Home <=20 Years (3.625) () (3.250) (3.000) Primary Residence Only >20 Years (3.125) (3.000) () (2.500) Second Home Only >20 Years (2.500) (2.375) (2.125) (1.875) All Investment Properties All Terms (2.125) () () () DU Refi Plus Cap Price Adjustments () () () () >= % Freddie Mac Open Access 15 Year Fixed EligibleProduct Features Primary Residence/2nd Home Primary Residence Only Loan Terms <=20 Years >20 Years <=80% LTV >80-105% > 105% PF23 Max Rebate is % Second Home Only >20 Years Rate 15 Day 30 Day 45 Day All Investment Properties All Terms (2.875) () (2.500) (2.250) Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) () (2.625) (2.375) (2.125) LTV MI Fico (2.500) (2.375) (2.125) (1.875) % 30% (1.875) () () () % 25% () () () () % 12% () () () () 25, 20, 15 and 10 Year Fixed Rate () () % 25% % 12% % 6% Rate Term Refinance Cashout Refinance Second Home High Balance Loan Amount Please include the above applicable LLPA's to the LPMI Adjustments FNMA DU Refi 30 Year Fixed 135% LTV FNMA DU Refi 15 Year Fixed 135% LTV PF10DR Max Rebate is % PF20DR Max Rebate is % Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (4.750) (4.625) (4.375) (4.125) (2.375) (2.250) () () (4.375) () (4.000) (3.750) (2.250) (2.125) (1.875) (1.625) (4.125) (4.000) (3.750) () () (1.875) (1.625) () (4.000) (3.875) (3.625) () () () () () () () (3.125) (2.875) () () () () (3.000) (2.875) (2.625) (2.375) () () () (2.375) (2.250) () () () (1.875) (1.625) () () () () () 3.000

4 Page 4 8:38 AM Fannie Mae/Freddie Mac Conforming and High Balance Arm Programs FNMA Conforming 5/1 Arm FNMA Conforming 7/1 Arm FNMA Conforming 10/1 Arm CM50 Max Rebate is 2.500% CM70 Max Rebate is 2.500% CM10 Max Rebate is 2.500% () (1.875) (1.625) () (2.500) (2.375) (2.125) (1.875) (1.875) () () () () (1.625) () () (2.375) (2.250) () () (1.625) () () () () () () () (2.250) (2.125) (1.875) (1.625) () () () () () () () () (2.125) () () () () () () () () () () () (1.875) () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () % Margin & 5/2/5 Caps 2.250% Margin & 5/2/5 Caps Fannie Mae/Freddie Mac Conforming High Balance Arm Programs Freddie Mac Conforming 5/1 Arm Conforming High Balance 5/1 Libor Arm Conforming High Balance 7/1 Arm CM53 Max Rebate is % CM52 Max Rebate is 2.500% CM72 Max Rebate is 2.500% () (1.875) (1.625) () () () () () () (1.625) () () () (1.625) () () () () () () (1.625) () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () % Margin & 5/2/5 Caps Price Adjustments Fixed and Arm Programs (Loan Terms Greater than 15 Years) Conforming 30 Year Fixed Temporary B/D >=740 CF30TB Year Buydown Rate 15 Day 30 Day 45 Day % (5.375) (5.250) (5.000) (4.750) % (5.000) (4.875) (4.625) (4.375) % (4.625) (4.500) () (4.000) % () (4.125) (3.875) (3.625) % (4.000) (3.875) (3.625) () % (3.875) (3.750) () (3.250) % () (3.250) (3.000) () Cashout Price Adjustments for Fixed Rate and Arm Program (2.875) () (2.500) (2.250) (2.250) (2.125) (1.875) (1.625) % (1.875) () () () % % Conforming 30 Year Fixed Temporary B/D CLTV Price Adjustments CF30TB Year Buydown Fico <720 Fico >=720 Rate 15 Day 30 Day 45 Day LTV <=65% CLTV % LTV <=65%/CLTV % (3.875) (3.750) () (3.250) LTV %/CLTV % LTV %/CLTV % () () (3.125) (2.875) LTV >75%CLTV % LTV > 75%/CLTV % (3.125) (3.000) () (2.500) CLTV > 95% Additional CLTV > 95% Additional () (2.625) (2.375) (2.125) Miscellaneous Price Adjustments for Fixed Rate and Arm Programs (2.500) (2.375) (2.125) (1.875) Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79, (2.375) (2.250) () () Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99, (1.875) () () () Investment %LTV Loan Amounts $100,000 to $119,999 () () () () Investment Purchase 85% LTV Up to 6 Financed Properties(LP Only) 2-4 Units Up to 10 Financed Properties(DU Only) Conforming 15 Year Fixed Temporary B/D No Impounds (LP Approval)-Manufactured Homes CF15TB10 1/0 1 Year Buydown Condo LTV > 75% LTV Rate 15 Day 30 Day 45 Day Additional Miscellaneous Adjustments for Conforming High Balance Programs (2.250) (2.125) (1.875) (1.625) Fannie Mae LTV % Cashout Refinance Fixed Rate <= 80% LTV (1.625) () () () Cashout Refinance Arms <= 80% LTV Freddie Mac Arm Programs Only: LTV > 75% () () () () () () () () Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) LTV MI Fico % 30% % 25% % 12% , 20, 15 and 10 Year Fixed Rate CF15TB21 2/1 2 Year Buydown % 25% Rate 15 Day 30 Day 45 Day % 12% () () () () % 6% () () () () Rate Term Refinance () () () Cashout Refinance Second Home High Balance Loan Amount Please include the above applicable LLPA's to the LPMI Adjustments

5 8:38 AM FHA 30 Year Fixed FHA 15 Year Fixed FHA 5/1 Treasury Arm FHAF Max Rebate is 5.000% FH15 Max Rebate is 5.000% FH5A Max Rebate is 5.000% (5.000) (4.875) (4.625) (4.375) (3.875) (3.750) () (3.250) (3.125) (3.000) () (2.500) (4.875) (4.750) (4.500) () (3.625) () (3.250) (3.000) () (2.625) (2.375) (2.125) (4.750) (4.625) (4.375) (4.125) (3.125) (3.000) () (2.500) (2.500) (2.375) (2.125) (1.875) (4.000) (3.875) (3.625) () (2.500) (2.375) (2.125) (1.875) () (1.875) (1.625) () (3.875) (3.750) () (3.250) (2.125) () () () () (1.625) () () (2.500) (2.375) (2.125) (1.875) () (1.875) (1.625) () () () () () () (1.875) (1.625) () () () () () () () () () () () () () () () () VA 30 Year Fixed VA 15 Year Fixed VA 5/1 Treasury Arm VAFX Max Rebate is 5.000% VA15 Max Rebate is 5.000% VA5A Max Rebate is 5.000% (4.625) (4.500) () (4.000) () (2.625) (2.375) (2.125) () (2.625) (2.375) (2.125) (4.500) (4.375) (4.125) (3.875) (2.125) () () () (2.375) (2.250) () () (4.375) () (4.000) (3.750) () (1.625) () () (2.125) () () () (3.625) () (3.250) (3.000) (1.625) () () () (1.625) () () () () () (3.125) (2.875) () () () () () () () () (2.125) () () () (1.625) () () () FHA/VA Price Adjustments for Fixed and Arm Programs () () () () FHA O/O Fico Scores 600 to () FHA/ VA/ USDA Fico Scores FHA/ VA/ USDA Fico Scores 640 to 679 FHA 30 Year Fixed High Balance FHAJ Max Rebate is 5.000% Rate 15 Day 30 Day 45 Day () () (3.125) (2.875) () (3.250) (3.000) () () (3.250) (3.000) () (2.625) (2.500) (2.250) () (2.625) (2.500) (2.250) () () () () () () () () () () Page 5 Government Fixed Rate and Arm Programs FHA/ VA/ USDA Fico Scores Greater than 720 FHA Energy Efficient Mortgages FHA Manufactured Housing - FHAFM VA Manufactured Housing - VAFXM USDA FHA Streamlines Loan Amounts $50,000 to $99,999 Loan Amounts $100,000 to $119,999 Loan Amounts $120,000 to $149,999 FHA Base Loan Amounts > $424,100 VA Base Loan Amounts > $424,100 VA IRRRLS without Appraisals Investor Specific Adjustment FHA High Balance Codes: (FHAJ) & (F5AJ) VA High Balane Code: (VA30HB) FHA 30 Yr. Fixed Conforming and High Balance Disaster Relief Program: FHA30203H & FHA30HB203H PBM SPECIALITY PRODUCTS Provident Bank Mortgage New Portfolio 5/1 and 7/1 Conforming/Jumbo Libor Arm Jumbo 5/1 Libor Arm Jumbo 7/1 Libor Arm INDEX 1 Year Libor PA51/PA51J PA71/PA71J Portfolio 5/1 and 7/1 Libor Arm Rate Adjustments Rate 30 Day 45 Day Rate 30 Day 45 Day LTV %.375% to Rate () () () () Cashout Refinance.250% to Rate () () () () Loan Amounts > $1,000, % to Rate () () () () LPMI LTV %.500% to Rate () () () () LPMI LTV %.625% to Rate () () () () Fico % to Fee () () Loan Amounts > $424, % to Fee PA51/PA71-1.0% Max rebate PA51J/PA71J % Max Rebate % Margin & 2/2/5 Caps % Margin & 5/2/5 Caps Provident Bank Mortgage New Portfolio 5/1 Arm Closed End 2nd TD Prime Rate 4.25% 5/1 Year Arm 30 Year Term Start Rate CLTV Minimum Fico Margin Pricing 6.000% % PAR 5.750% % PAR 5.750% % PAR Margin Buyup : Start Rate Cost Margin Buyup () Price Improvement Margin Buyup () Price Improvement Margin Buyup () Price Improvement Maximum Margin Buyup is.75 to % Improvement Fico/Maximum CLTV Minimum Fico is 700 Cashout CLTV & Max Cashout 70% CLTV/Max is $250,000 75% CLTV/Max is $150,000 80% CLTV/Max is $75,000 Purchase Transactions 80% CLTV Max Product Features Product Codes: PA30800 for CLTV to 80% Product Codes: PA30750 for CLTV <= 75% Maximum CLTV is 80% Maximum Loan Amount for 2nd Lien is $250,000 Maximum Combined Loan Amount is $1,000, Units/Primary Residence Only Available for Piggybacks and Cashout Piggyback Seconds only allowed with PBM First 30 Year Loan Term Only 3/6 Caps

6 Page 6 8:38 AM Best Effort Extension Fees:.250 for 7 Days.375 for 15 Days PBM SPECIALITY PRODUCTS CONTINUED New Enhanced - 2 Streamline 2nd Lien Program FICO/CLTV RATE ADJUSTMENTS FOR ALL TRANSACTIONS CLTV----> <= () () () () () Enhanced - 2 Streamline 2nd Lien Product Code: CE2ND20GSA Rate 30 Day 45 Day NA NA () () () NA NA () () () FICO/CLTV RATE ADJUSTMENTS CASHOUT REFINANCES () () () CLTV----> <= () () () NA NA NA NA NA ADDITIONAL RATE ADJUSTMENTS CLTV----> <= nd Home N/A N/A Condo 2-4 Units N/A N/A 30 Yr. Loan Term The Medical Doctor 30 Year Fixed Conforming and High Balance Products 30 Year Fixed Conforming 30 Year Fixed High Balance LTV/FICO LLPA'S FOR TERMS GREATER THAN 15 YEARS CF30MD Max Rebate is % CF30HBMD Max Rebate is % >=740 Rate 30 Day 45 Day Rate 30 Day 45 Day (3.250) (3.000) () () () () % (2.875) (2.625) (2.375) () () % (2.375) (2.125) (1.875) % (1.625) () () % () () () % CLTV LLPA'S % LTV CLTV Fico <720 Fico >720 <=75% <=80% Miscellaneous LLPA's <=65% % Waived Escorws % % % % Condo > 75% LTV Jumbo Fixed Rate and Arm Programs Expanded Jumbo Fixed & Arm Programs Expanded Jumbo 30 Year Fixed Expanded Jumbo 15 Year Fixed JF30R Max Rebate (See Below) JF15R Max Rebate (See Below) () () () () () () () () () () () () () () () () Loan Amounts LTV/CLTV Price Adjustments Loan Amounts: LTV/CLTV % % % % <= $1,000,000 () () $1,000,001 - $1,500,000 () $1,500,001 - $2,000,000 $2,000,001 - $2,500, Expanded Jumbo 7/1 Libor Arm Other LTV/CLTV Price Adjustments JA71R Max Rebate (See Below) Purpose Property/LTV 65% 70% 75% 80% 85% () () Cashout Refinance () () 2 Units () () Second Home () Investment Property No Impounds LTV % (Except 30 year) /CLTV Price Adjustments FicoLTV/CLTV % 70% 75% 80% 85% Expanded Jumbo 10/1 Libor Arm JA101R Max Rebate (See Below) () () () () >=760 () () () () () () () Maximum Rebate () () () Loan Amount <= $1,000,000 > $1,000,000 Fixed & Arms () () For 30 Day Prices, Improve the 45 Day Price by.125%!

7 Page 7 Best Effort Extension Fees:.250 for 7 Days.375 for 15 Days Jumbo Fixed Rate and Arm Programs Continued New Foreign National 7/1 Libor Arm Foreign National Jumbo 7/1 Libor Arm JA71FN/JA71IoFN Rate Adjustments Rate 30 Day Purpose/Property/LTV () 65% 70% 75% 80% Cashout Refinance na Units Second Home Investment Multiple Financed Properties 5 to Interest Only % Margin & 2/2/5 Caps New Aggressive Jumbo 30 Year Fixed Rate Purchase Program Aggressive Jumbo 30 Year Fixed Aggressive Jumbo LTV/Fico Price Adjustments JF30W Max Rebate % % % % Rate 30 Day 45 Day 780+ () () (4.125) (3.875) () () (3.750) () () (3.125) (3.000) () (2.625) (2.375) Refinance Price Adjustments (2.250) () Rate Term Refinance Cashout Refi <= 50% LTV () () Cashout Refi >50% LTV Cashout Refi >60% LTV () () Miscellaneous Price Adjustments () () Second Homes Investment New Enhanced 2 Jumbo Fixed Rate up to 95% LTV Cashout Rate Adjustments Enhanced Jumbo 30 Year Fixed Enhanced Jumbo 15 Year Fixed LTV--> <= JF30GSA Max Rebate % JF15GSA Max Rebate % 760+ Rate 30 Day 45 Day Rate 30 Day 45 Day () () () () () () NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA Interest Only Product Code: JF30IOGSA F I C O - L T V Rate Adjustments (All Transactions) Additional Rate Adjustments LTV---> LTV--> <= <= () () >$1.5M () Interest Only () 2nd Home NA NA NA Investment NA NA NA Financed NA NA NA NA NA NA NA NA 2-4 Unit NA NA NA NA NA Condo NA NA NA NA Additional PRICE Adjustments Waived NA NA NA NA Escrows Manhattan Jumbo 30 Year Fixed FIXED RATE & ARM LLPA's NOO up to 9 Manhattan Jumbo 30 Year Fixed and Jumbo 7/1 Arm JF30JMM Max Rebate () LTV/CLTV*** <= No Impounds (2.250) () Property Type () () 2 Units () () Fico Score () () >=760 () () () () () () <700 N/A N/A N/A Manhattan 7/1 Jumbo Arm JA71JMM Max Rebate () Loan Amount <1,000,000 () (1.625) () 1,000,000-1,499, () () 1,500,000-1,999,999 N/A N/A () () 2,000,000-2,500,000 N/A N/A () () Occupancy 2nd Home N/A Loan Purpose 2.500% Margin & 5/2/5 Caps Cashout N/A