PBM Economic Releases Markit US Manufactuing PMI / Constuction Spending Wards Domestic and Total Vehicle Sales

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1 Page 1 PBM Market Update Thursday, stocks rebounded as the U.S. and China indicated they are willing to negotiate regarding the ongoing trade dispute. Investors felt a sense of comfort following the White House s National Economic Director, Larry Kudlow s comments stating that although many tariffs have been presented none have been implemented yet and China s U.S. ambassador giving a similar statement saying that their first choice would be to negotiate. The Dow finished up to , the 10-year dipped 12/32nds, raising the yield to 2.83% and the FN30yr 4.0% closed -1/32nds to Today we have a long list of economic releases, primarily non-farm payrolls, unemployment rate, average hourly earnings, and labor force participation. TODAY'S MARK IS FANNIE MAE 4.0% SECURITY (APRIL) Monday Tuesday Wednesday Thursday Friday Extensions: For Jumbo Extensions, Please see the top of pages 6 and 7. PBM Extension Policies Days 7 Days 15 Days 20 Days 3rd Extension or Relocks: Worse Case Pricing Plus.25 For 15 Days PBM Economic Releases Markit US Manufactuing PMI / Constuction Spending Wards Domestic and Total Vehicle Sales MBA Mortgage Applications / ADP Employment Change / Factoru Orders / Durable Goods Orders Jobless Claims / Trade Balance / Change in Nonfarm & Payrolls Unemployement Rate / Average Hourly Earnings / Consumer Credit Cost *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. PBM Expiration Dates on Today's Locks 15 Day Lock 4/21/ Day Lock 5/6/ Day Lock 5/21/2018 Lock 6/5/2018 For longer lock periods call your Wholesale Coordinators Operation Turn Times 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 1YR LIBOR Indicies 4.750% 7 Yr Treasury 2.780% 2.681% 10 Year Treasury 2.860% 1YR CMT (Treasury) 2.090% 30 Yr Treasury 4.096% UPCO MING WSJ PRIME 3 Yr Treasury 5 Year Treasury 2.460% 1 Month Libor 1.877% 2.590% 6 Month Libor 2.453% Nortern California Sales Staff David Seaton - Branch Manager dseaton@myprovident.com / (916) Amy Black - Account Executive ablack@myprovident.com / (707) Harry Taylor - Account Executive htaylor@myprovident.com / (510) Lynn Skjelstad - Account Executive lskjelstad@myprovident.com / (925) Maggie Hudson - Account Executive mhudson@myprovident.com / (916) Scott Alfstad - Account Executive salfstad@myprovident.com / (916) UPCOMING PRODUCT ROLLOUTS *Expanding of Temporary Buydowns to Government Products *Expanding of Temporary Buydowns to Conventional High Balance Products 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 Northern California Operation's Staff Lynda Williams - Loan Origination Supervisor lwilliams@myprovident.com / (925) Carrie Gianotti - Coordinator cgianotti@myprovident.com / (925) Shaundra Plute - Coordinator splute@myprovident.com / (925) Christine Dreu Coordinator CDreu@myprovident.com / TBD Submission Due Dates Lock Period Delivery Period Submission Due Date 30 Days 7 Days 4/13/ Days 14 Days 4/20/2018 s 21 Days 4/27/2018 PBM Lender Fees Administration Fee FHA Administration Fee FHA Streamline Administration Fee VA Administration Fee Flood, Tax and Wire Fee PBM stand alone 2nd TD $ $ $ $ Included $ Important Announcement 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 PBM Mortgagee Clause Provident Savings Bank, F.S.B. Its Successors and/or Assigns 3756 Central Avenue Riverside, CA 92506

2 Fannie Mae/Freddie Mac Fixed Rate Product Programs Fannie Mae Conforming Fixed Programs >=740 FNMA Conforming 30 Year Fixed PF10 Max Rebate is % % % (6.125) (6.000) (5.750) (5.500) % (5.875) (5.750) (5.500) (5.250) % (5.125) (5.000) (4.750) (4.500) % (4.875) (4.750) (4.500) () % (4.500) (4.375) (4.125) (3.875) % (4.375) () (4.000) (3.750) Cashout Price Adjustments for Fixed Rate and Arm Program () (4.125) (3.875) (3.625) (4.000) (3.875) (3.625) (3.375) % (3.625) (3.500) (3.250) (3.000) % (2.875) () (2.500) () % (2.375) () () () CLTV Price Adjustments (1.625) () () () Fico <720 Fico >=720 FNMA Conforming 15 Year Fixed LTV <=65% CLTV % LTV <=65%/CLTV % PF20 Max Rebate is % LTV %/CLTV % LTV %/CLTV % LTV >75%CLTV % LTV > 75%/CLTV % () (4.125) (3.875) (3.625) CLTV > 95% Additional CLTV > 95% Additional (3.750) (3.625) (3.375) (3.125) Miscellaneous Price Adjustments for Fixed Rate and Arm Programs (3.375) (3.250) (3.000) () Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79, (3.125) (3.000) () (2.500) Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99,999 () (2.625) (2.375) (2.125) Investment %LTV Loan Amounts $100,000 to $119, (2.500) (2.375) (2.125) (1.875) Investment Purchase 85% LTV Up to 6 Financed Properties(LP Only) (2.125) () () () 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 Fixed Rate <= 80% LTV Arms <= 80% LTV LTV % Freddie Mac Arm Programs Only: LTV > 75% 680+/LTV >80% Page 2 <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 Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) (6.375) (6.250) (6.000) (5.750) LTV MI Fico (5.375) (5.250) (5.000) (4.750) % 30% (5.125) (5.000) (4.750) (4.500) % 25% (4.750) (4.625) (4.375) (4.125) % 12% (4.625) (4.500) () (4.000) 25, 15 and 10 Year Fixed Rate (4.500) (4.375) (4.125) (3.875) % 25% () (4.125) (3.875) (3.625) % 12% (3.875) (3.750) (3.500) (3.250) % 6% (3.125) (3.000) () (2.500) Rate Term Refinance (2.625) (2.500) () () 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% Price Adjustments Fixed and Arm Programs (Loan Terms Greater than 15 Years) (Excludes Home Ready & Home Possible) Home Ready & Home Possible MAX CAPS 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 % (4.375) () (4.000) (3.750) (4.875) (4.750) (4.500) () (3.125) (3.000) () (2.500) (3.875) (3.750) (3.500) (3.250) (4.625) (4.500) () (4.000) (2.625) (2.500) () () (3.500) (3.375) (3.125) (2.875) (3.875) (3.750) (3.500) (3.250) () (2.125) (1.875) (1.625) (3.250) (3.125) (2.875) (2.625) (3.625) (3.500) (3.250) (3.000) () (1.875) (1.625) () (2.875) () (2.500) () (3.250) (3.125) (2.875) (2.625) (1.625) () () () (2.625) (2.500) () () (3.250) (3.125) (2.875) (2.625) () () () () () (2.125) (1.875) (1.625) (3.125) (3.000) () (2.500) () (0.875) () () (1.875) () () () (2.875) () (2.500) () () () (0.875) () (2.500) (2.375) (2.125) (1.875) (1.875) () () ()

3 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 % % (6.125) (6.000) (5.750) (5.500) % (5.875) (5.750) (5.500) (5.250) % (5.125) (5.000) (4.750) (4.500) % (4.875) (4.750) (4.500) () % (4.500) (4.375) (4.125) (3.875) % (4.375) () (4.000) (3.750) % () (4.125) (3.875) (3.625) Cashout Price Adjustments for Fixed Rate and Arm Program (4.000) (3.875) (3.625) (3.375) (3.625) (3.500) (3.250) (3.000) % (2.875) () (2.500) () % (2.375) () () () % CLTV Price Adjustments Freddie Mac Conforming 15 Year Fixed Fico <720 Fico >=720 P23F Max Rebate is % LTV <=65% CLTV % LTV <=65%/CLTV % LTV %/CLTV % LTV %/CLTV % () (4.125) (3.875) (3.625) LTV >75%CLTV % LTV > 75%/CLTV % (3.750) (3.625) (3.375) (3.125) CLTV > 95% Additional CLTV > 95% Additional (3.375) (3.250) (3.000) () Miscellaneous Price Adjustments for Fixed Rate and Arm Programs (3.125) (3.000) () (2.500) Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79,999 () (2.625) (2.375) (2.125) Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99, (2.500) (2.375) (2.125) (1.875) Investment %LTV Loan Amounts $100,000 to $119, (2.125) () () () 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 Fixed Rate <= 80% LTV Arms <= 80% LTV Freddie Mac Open Access 30 Year Fixed LTV % Freddie Mac Arm Programs Only: LTV > 75% PF13 Max Rebate is % Open Access Cap Price Adjustments (4.625) (4.500) () (4.000) >= (4.375) () (4.000) (3.750) % (4.000) (3.875) (3.625) (3.375) EligibleProduct Features Loan Terms <=80% % > 105% (3.875) (3.750) (3.500) (3.250) Primary Residence/2nd Home <=20 Years (3.750) (3.625) (3.375) (3.125) Primary Residence Only >20 Years (3.500) (3.375) (3.125) (2.875) Second Home Only >20 Years (3.125) (3.000) () (2.500) All Investment Properties All Terms (2.375) () () () DU Refi Plus Cap Price Adjustments (1.875) () () () >= () () () () % 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 All Investment Properties All Terms (2.875) () (2.500) () Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) (2.625) (2.500) () () LTV MI Fico () (2.125) (1.875) (1.625) % 30% () (1.875) (1.625) () % 25% (1.625) () () () % 12% () () (0.875) () 25, 20, 15 and 10 Year Fixed Rate () () () % 25% % 12% % 6% Rate Term 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 % (4.500) (4.375) (4.125) (3.875) (2.375) () () () () (4.125) (3.875) (3.625) (2.125) () () () (3.875) (3.750) (3.500) (3.250) () (1.625) () () (3.750) (3.625) (3.375) (3.125) () () () (0.875) (3.625) (3.500) (3.250) (3.000) () () () () (3.375) (3.250) (3.000) () () () () (3.000) (2.875) (2.625) (2.375) () (2.125) (1.875) (1.625) () (1.625) () ()

4 Page 4 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% () (0.875) () () () () () () () () () () () (0.875) () () () (0.875) () () () () () () () % Margin & 5/2/5 Caps % 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% () (0.875) () () () () () () () () () () % 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 % (5.375) (5.250) (5.000) (4.750) % (5.125) (5.000) (4.750) (4.500) % (4.375) () (4.000) (3.750) % (4.125) (4.000) (3.750) (3.500) % (3.750) (3.625) (3.375) (3.125) % (3.625) (3.500) (3.250) (3.000) % (3.500) (3.375) (3.125) (2.875) Cashout Price Adjustments for Fixed Rate and Arm Program (3.250) (3.125) (2.875) (2.625) (2.875) () (2.500) () % (2.125) () () () % % Conforming 30 Year Fixed Temporary B/D CLTV Price Adjustments CF30TB Year Buydown Fico <720 Fico >=720 LTV <=65% CLTV % LTV <=65%/CLTV % (3.875) (3.750) (3.500) (3.250) LTV %/CLTV % LTV %/CLTV % (3.625) (3.500) (3.250) (3.000) LTV >75%CLTV % LTV > 75%/CLTV % (2.875) () (2.500) () CLTV > 95% Additional CLTV > 95% Additional (2.625) (2.500) () () Miscellaneous Price Adjustments for Fixed Rate and Arm Programs () (2.125) (1.875) (1.625) Investment Purchase/Refi <=75%LTV Loan Amounts $50,000 to $79, (2.125) () () () Investment Cashout Refi LTV <=75% Loan Amounts $80,000 to $99, () (1.875) (1.625) () Investment %LTV Loan Amounts $100,000 to $119, () (1.625) () () 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 Additional Miscellaneous Adjustments for Conforming High Balance Programs () (1.875) (1.625) () Fannie Mae LTV % Fixed Rate <= 80% LTV () (1.625) () () Arms <= 80% LTV Freddie Mac Arm Programs Only: LTV > 75% () () () () () (0.875) () () () () 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% % 12% () () () () % 6% (0.875) () () () Rate Term Refinance () () () Second Home High Balance Loan Amount Please include the above applicable LLPA's to the LPMI Adjustments

5 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% (4.750) (4.625) (4.375) (4.125) (2.625) (2.500) () () (1.625) () () () (4.625) (4.500) () (4.000) (2.375) () () () () () () (0.875) (4.500) (4.375) (4.125) (3.875) (1.875) () () () () () () () (4.375) () (4.000) (3.750) () () (0.875) () () () () () () (4.125) (3.875) (3.625) (0.875) () () () () () (4.000) (3.875) (3.625) (3.375) () () () () (3.375) (3.250) (3.000) () () (3.000) (2.875) (2.625) (2.375) (2.675) (2.550) (2.300) (2.050) () (2.125) (1.875) (1.625) FHA/VA Price Adjustments for Fixed and Arm Programs () () () () FHA O/O Fico Scores 600 to 619 FHA/ VA/ USDA Fico Scores VA 30 Year Fixed FHA/ VA/ USDA Fico Scores 640 to 679 VAFX Max Rebate is 5.000% FHA/ VA/ USDA Fico Scores Greater than (4.375) () (4.000) (3.750) () (4.125) (3.875) (3.625) (4.125) (4.000) (3.750) (3.500) (4.000) (3.875) (3.625) (3.375) (3.875) (3.750) (3.500) (3.250) (3.625) (3.500) (3.250) (3.000) (3.000) (2.875) (2.625) (2.375) (2.625) (2.500) () () (2.300) (2.175) (1.925) (1.675) FHA 30 Year Fixed High Balance FHAJ Max Rebate is 5.000% (2.500) (2.375) (2.125) (1.875) () (1.875) (1.625) () (1.625) () () () (1.425) (1.300) (1.050) (0.800) () (0.875) () () () Page 5 Government Fixed Rate and Arm Programs 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 > $453,100 VA Base Loan Amounts > $453,100 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 () () () ().250% to Rate () () () () Loan Amounts > $1,000, % to Rate () () () () LPMI LTV %.500% to Rate () () () () LPMI LTV %.625% to Rate () () () () Fico % to Fee () () Loan Amounts > $453, % 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 4.75% 5/1 Year Arm 30 Year Term Start Rate CLTV Minimum Fico Margin Pricing 6.500% % PAR 6.250% % PAR 6.250% % 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 Product Features Minimum Fico is 700 Product Codes: PA30800 for CLTV to 80% Cashout CLTV & Max Cashout Product Codes: PA30750 for CLTV <= 75% 70% CLTV/Max is $250,000 Maximum CLTV is 80% 75% CLTV/Max is $150,000 Maximum Loan Amount for 2nd Lien is $250,000 80% CLTV/Max is $75,000 Maximum Combined Loan Amount is $1,000,000 Purchase Transactions 1-2 Units/Primary Residence Only 80% CLTV Max Available for Piggybacks and Cashout Piggyback Seconds only allowed with PBM First 30 Year Loan Term Only 3/6 Caps

6 Page 6 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 CE2ND20GSA For Standalones 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 (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) (1.875) (1.625) () () () () () () () (0.875) () (0.875) () () (0.875) () () () () () 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% (1.625) () () () 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 (0.875) () () Loan Amount <= $1,000,000 > $1,000,000 Fixed & Arms () () For 30 Day Prices, Improve the 45 Day Price by.1250%!

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% na Units Second Home Investment Multiple Financed Properties 5 to Interest Only % Margin & 2/2/5 Caps Aggressive Jumbo 30 Year Fixed Aggressive Jumbo LTV/Fico Price Adjustments JF30W Max Rebate % % % % Rate 30 Day 45 Day 800+ (0.875) () () () (3.250) (3.000) () () () (2.875) (2.625) () () (2.500) () () (2.125) (1.875) (1.625) () () (0.875) Cash Out Price Adjustments () () Cashout Refi <= 50% LTV Cashout Refi >60% LTV Cashout Refi >50% LTV Miscellaneous Price Adjustments Second Homes 3 Unit Property Investment Property 4 Unit Property $453,100 - $679, >=$1MM 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 Max Rebate () FIXED RATE & ARM LLPA's JF30JMM LTV/CLTV*** <= No Impounds (2.125) (1.875) Property Type (1.875) (1.625) 2 Units () () Fico Score () (0.875) >=760 () () () () () Manhattan 7/1 Jumbo Arm New Aggressive Jumbo 30 Year Fixed Rate Purchase Program NOO >9 Manhattan Jumbo 30 Year Fixed and Jumbo 7/1 Arm <700 N/A N/A N/A 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 (0.875) () 2,000,000-2,500,000 N/A N/A () () Occupancy nd Home N/A Loan Purpose 2.500% Margin & 5/2/5 Caps Cashout N/A