GOVERNMENT LOANS 30 YR FIXED RATE 30 YEAR 3/1 2.0/2.25 MARGIN 30 YEAR FIXED RATE FHA CONFORMING JUMBO 203 (K) 30 YEAR FIXED

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1 GOVERNMENT LOANS PAGE 1 OF 8 30 YEAR FIXED 30 YR FIXED RATE 30 YEAR 3/1 2.0/2.25 MARGIN 30 YEAR FIXED RATE FHA CONFORMING JUMBO FHA/VA ARMS 1001 FHA 2001 VA 1004 FHA Buydown 3001 RHS K Streamline 1105 FHA 1018 FHA 2018 VA 3.250% % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ 3.625% % NQ NQ NQ NQ 3.750% NQ NQ NQ NQ NQ NQ NQ NQ 3.875% NQ NQ NQ NQ NQ NQ NQ NQ 4.000% NQ NQ NQ NQ NQ NQ NQ NQ 4.125% YEAR FIXED PRICE ADJUSTMENTS NQ NQ NQ NQ FHA BUYDOWN YEAR 5/1 2.0/2.25 MARGIN 203 (K) 30 YEAR FIXED K STREAMLINE -0 FHA/VA ARMS Loan amount > $417K (2001 only) FHA 2024 VA 203 (K) 30 YEAR FIXED 75 Day Lock (Except 1009 & 1020) 1025 FHA JUMBO (2.0 MARGIN ONLY) Deduct from 60 day price (K) 15 Day 30 Day 45 Day 60 Day 15 YEAR FIXED 15 YEAR FIXED RATE 3.250% 15 Day Day Day Day Rate 2.625% 12/ / / / Rate 3.375% 12/ / / / % 2.750% FHA VA % % Day 30 Day 45 Day 60 Day 3.625% % Rate 12/2 12/17 1/1 1/ % % % % % % % % % % % % % % % % % % % % % (K) ADJUSTMENTS 4.000% % Mandatory Delivery +0 NQ NQ NQ NQ 3.750% SRP (Loan amt $60,001) +0 ARM PRICE ADJUSTMENTS 3.875% Day Lock 15 YEAR FIXED PRICE ADJUSTMENTS Correspondents must be prior approved for Deduct from 60 day price 75 Day Lock Deduct from 60 day price 30 YEAR FHA SUPER CONFORMING 30 YEAR ARMS 203 (K) loans No Off Sheet Pricing is available for plans 1018 and GOVERNMENT NOTES FHA/VA/RD FICO ADJUSTMENTS Please call for rate not offered herein Pricing does not include SRP. Consult Government SRP schedule for premiums All FHA/VA/RHS loans require impounds for taxes & hazard insurance LOAN AMOUNT 0-30,000 30,001-70,000 70, , , , , , ,001 - LIMIT SRP STATE ADJUSTMENTS GOVERNMENT SERVICE RELEASE PREMIUMS FHA FHA FHA ARM VA/RD VA VA ARM 30 Year 15 Year 3/1 5/1 30 Year 15 Year 3/1 5/ % 1.350% 1.525% 1.635% 1.650% 1.100% 1.275% 1.385% 2.200% 1.650% 1.825% 1.935% 1.950% 1.400% 1.575% 1.685% 2.230% 1.700% 1.855% 1.965% 1.980% 1.450% 1.605% 1.715% 2.270% 1.775% 1.895% 2.005% 2.020% 1.525% 1.645% 1.755% 2.300% 1.800% 1.925% 2.035% 2.050% 1.550% 1.675% 1.785% TX +0 OK GA, NC, PA AK, AL, AR, FL, KY, ND, NE, OH, SC, TN CO, DE, HI, ID, MA, ME, MT, NH, UT, WY MD AZ, CA, NV, RI Rate Lock Expiration and Extension Policy All loan files must be delivered to USBHM by the expiration date. Refer to Bulletin Current extension policy is 7 days pt 15 days pt 30 days pt See Bulletin for details. Loans extended after expiration will be extended at worst case Daily best efforts limit per customer of $10,000,000 without prior approval from USBHM Please Note: All products pay SRPs unless otherwise noted. See Page 2 for TRANSFER FEES

2 CONVENTIONAL LOANS PAGE 2 OF 8 CONFORMING FIXED RATE PROGRAMS 30 YEAR FIXED RATE 20 YEAR FIXED RATE 15 YEAR FIXED RATE FHLMC FNMA FHLMC FNMA FHLMC FNMA /25 Yr /25 Yr Yr Yr Yr Yr /20 Yr NOO Yr NOO Yr Mfg Yr NOO Yr NOO Yr NOO Yr A Minus /10 Yr A Minus Yr Mfg /10 Yr Mfg Yr Mfg A-Minus Yr Mfg A-Minus 3687 Home Possible 95% LTV 3688 Home Possible NS 95% LTV 3691 Home Poss 80% LTV Mfg 3698 Home Poss 95% - 3% Cash 3699 Home Poss NS 95% - 3% Cash 3.250% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % YEAR FIXED RATE 30 YEAR SUPER CONFORMING 15 YEAR SUPER CONFORMING FHLMC FNMA FHLMC FHLMC Yr Yr Yr Yr 2.750% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ NQ NQ NQ NQ 4.875% NQ NQ NQ NQ NQ NQ NQ NQ 5.000% Please call for rate not offered herein. FHLMC Super Conforming (Plan 3626, 3627) See Wholesale FNMA/FHLMC Delivery Fee schedule on last page for additional adjustments Cash out (in addition to delivery fee) -0 for: All LTVs Secondary financing Multi-unit 2-4 Unit -0 FHLMC A-Minus Condos Mfg housing Home Possible (Plan 3687, 3688, 3691, NOO Properties Cash out refis FICO/LTV 3698, 3699) CONVENTIONAL SERVICE RELEASE PREMIUMS LTV 95% Unit LTV > 90% & 95% -0 LOAN 30/20 15/10 FHLMC A- MINUS Escrow waiver (LTV 80%): -0 AMOUNT Year Year 30/20 YR 15/10 YR 75 Day Lock 0-30, Deduct from 60 day price 30,001-70, % 0.950% 0.775% 0% Yr , , % 1.150% 0% % Yr , , % 1.300% 1.075% 0.825% 150, , ,001 - LIMIT SRP STATE ADJUSTMENTS CONVENTIONAL NOTES 1.725% 1.325% 1.750% 1.375% 1.125% 1.150% 0.875% 0.900% TX +0 Tax Service Fee - All Loans $80 OK Conventional Loan Transfer Fee $140 GA, NC, PA FHA/VA Loan Transfer fee $190 AK, AL, AR, FL, KY, ND, NE, OH, SC, TN Rural Development Transfer Fee $270 CO, DE, HI, ID, MA, ME, MT, NH, UT, WY MD CONVENTIONAL ADJUSTMENTS FEE SCHEDULE Conventional Loan Underwriting Fee LP/DU Validation $40 AZ, CA, NV, RI Conventional Loan Full Underwriting Fee $85 Please Note: All products pay SRPs unless otherwise noted. Transfer fee for second $100 Pricing does not include SRP.

3 FHLMC STREAMLINE REFI - OPEN ACCESS PRODUCTS PAGE 3 OF 8 30 YEAR CONFORMING 15 YEAR CONFORMING 30 YEAR SUPER CONFORMING FHLMC FHLMC FHLMC Yr Conforming Refi Yr Conforming Refi Yr Super Conforming Refi 3.250% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ NQ NQ NQ NQ 4.500% NQ NQ NQ NQ FHLMC Streamline Refi Open Access Fees Revised 6/3/11 Open Access Loans have a maximum cumulative delivery fee of 2.0 pts for the following: FHLMC Delivery Fees All Products 75% % % % % > 97% Condo 1 NonOwner Occ Units or 4 Units High LTV Not applicable to mortgage loans with terms of 15 years or less NOTE: The online registration system is not programmed to reflect the 2.0 delivery fee maximum. Corrected confirmations will be available to print the next business day. FHLMC Fees for Mortgages with Subordinate Financing Financing Structure Max TLTV 2 FICO Fee ANY 65% > 65% & 75% > 75% & 80% > 75% & 80% > 80% & 90% ANY >80% & 95% >80% & 95% >76% 90% >81% & 95% > 95% 2 If the subordinate financing is a Community Seconds loan, the subordinate financing fees do not apply FHLMC Indicator Score / Loan-To-Value Fees (Plans 3600 & 3692 only) FICO Score 60% % % % % > 85% < The following servicing adjustments are in addition to any agency delivery fees. 75 Day Lock (Deduct from 60 day price) Yr Tax & insurance Waiver (LTV 80%) Yr Insurance only waiver (LTV 80%) Please Note: All products pay SRPs unless otherwise noted. See Conventional SRP table on page 2. See Product Guidelines for minimum FICO score and product eligibility requirements. PRICE ADJUSTMENTS SUBJECT TO CHANGE AT ANY TIME DELIVERY FEES SUBJECT TO CHANGE AT ANY TIME

4 FNMA DU REFI PLUS STREAMLINE PRODUCTS PAGE 4 OF 8 30 YEAR CONFORMING 15 YEAR CONFORMING 30 YEAR JUMBO FNMA FNMA FNMA Yr Conforming Refi Yr Conforming Refi Yr Jumbo Refi 3.250% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ NQ NQ NQ NQ 4.500% NQ NQ NQ NQ 15 YEAR JUMBO FNMA DU Refi Plus Streamline Fees FNMA DU Refi Plus Loans have a maximum cumulative delivery fee of 2.0 pts for Yr Jumbo Refi Revised 4/6/09 the following : 15 Day 30 Day 45 Day 60 Day Rate 12/2 12/17 1/1 1/16 FNMA Delivery Fees 3.000% All Products 3.125% % % % % > 97% 3.250% Condo % NonOwner Occ % , 3 or 4 Units % High LTV % Not applicable to mortgage loans with terms of 15 years or less 3.875% % FNMA Fees for Mortgages with Subordinate Financing 4.125% Financing 4.250% Structure Max TLTV 2 FICO Fee 4.375% /20/5 80/15/5 80/10/10 > 65% & 75% > 75% & 95% > 75% & 90% ANY >76% 90% > 95% 4.500% NQ NQ NQ NQ % If the subordinate financing is a Community Seconds loan, the subordinate financing fees do not apply FNMA Indicator Score / Loan-To-Value Fees (Plans 3523 & 3525 only) FICO Score 60% % % % > 95% NOTE: The online registration system is not programmed to reflect the 2.0 delivery fee maximum. Corrected confirmations will be available to print the next business day. The following servicing adjustments are in addition to any agency delivery fees. 75 Day Lock Deduct from 60 day price Tax & insurance Waiver (LTV 80%) Yr Insurance only waiver (LTV 80%) Yr Please Note: All products pay SRPs unless otherwise noted. See Conventional SRP table on page 2. See Product Guidelines for minimum FICO score and product eligibility requirements. PRICE ADJUSTMENTS SUBJECT TO CHANGE AT ANY TIME DELIVERY FEES SUBJECT TO CHANGE AT ANY TIME

5 FHLMC PIGGYBACK BUSTER LENDER PAID MI PAGE 5 OF % LTV % LTV % LTV FHLMC FHLMC FHLMC /25 Yr Fixed /25 Yr Fixed /25 Yr Fixed 3.750% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ 5.375% NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ PIGGYBACK BUSTER ADJUSTMENTS / NOTES LTV Loan amount must be within conforming limits FICO yr SRP NOT INCLUDED IN PRICING. For SRP see Conventional SRP Schedule on Page Day Lock See FHLMC Delivery Fee Schedule on last page for additional fees. Deduct from 60 day price FHLMC LIBOR ARM PRODUCTS 12 Month LIBOR: Year CMT 0.1 CONFORMING SUPER CONFORMING 3/1 ARM (2/6) 5/1 ARM (5/2/5) 5/1 ARM (5/2/5) 7/1 ARM (5/2/5) /1 ARM /1 ARM /1 ARM /1 ARM 3396 A-Minus 3397 A-Minus 3398 A-Minus 30 Day 60 Day 30 Day 60 Day 30 Day 60 Day 30 Day 60 Day Rate 12/17 1/16 Rate 12/17 1/16 Rate 12/17 1/16 Rate 12/17 1/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ NQ LIBOR ARM ADJUSTMENTS / NOTES 75 Day Lock (Deduct from 60 day price) Escrow waiver -0 SRP INCLUDED IN PRICING TLTV > 90% & 95% -0 Loan amount must be within conforming LTV > 90% -0 limits (except 3378) Additional Super Conforming ARM (3378) fees: 2.25 Margin 12 mo. LIBOR Purchase/RT Refi & LTV 75% - See FHLMC Delivery Fee Schedule on Purchase/RT Refi & LTV > 75% -0 last page for additional fees. Cash out refi (all LTVs)

6 ELITE LIBOR ARMS 2.25 MARGIN 3/1 ARM (2/6) 5/1 ARM (5/2/5) 7/1 ARM (5/2/5) PAGE 6 OF 8 12 Month LIBOR: Year CMT /1 ARM /1 ARM /1 ARM 30 Day 60 Day 75 Day 30 Day 60 Day 75 Day 30 Day 60 Day 75 Day Rate 12/17 1/16 1/31 Rate 12/17 1/16 1/31 Rate 12/17 1/16 1/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % ELITE TREASURY ARMS 2.75 MARGIN 3/1 ARM (2/6) 5/1 ARM (5/2/5) 7/1 ARM (5/2/5) /1 ARM /1 ARM /1 ARM 3330 Interest Only 3331 Interest Only 3332 Interest Only 30 Day 60 Day 30 Day 60 Day 30 Day 60 Day Rate 12/17 1/16 Rate 12/17 1/16 Rate 12/17 1/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Conventional ARM Product Adjustments / Notes: 3307 thru 3309, 3330 thru 3332 & 3346 thru Day Lock (Deduct from 60 day price) ARM products are not convertible. Cash out: TLTV 65% & FICO Loan Amounts: $35,000-2,000,000 (Not applicable to Interest Only) I/O Loan Amounts: $35,000-1,500,000 Loan amount > $1,000,000: -0 Interest Only ( ): No escrows (requires LTV 80%): -0 NO OFFSHEET PRICING Some restrictions may apply. Please refer to Product Guidelines for each product. Please Note: All products on this page are NET PRICED.

7 JUMBOS PAGE 7 OF 8 30 YR FIXED RATE 15 YR FIXED RATE Yr Yr Yr Interest Only 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day Rate 12/2 12/17 1/1 1/16 Rate 12/2 12/17 1/1 1/ % % % % % % % % % % % % % % % % % % % % % % % % % % JUMBO ADJUSTMENTS 75 Day Lock (Deduct from 60 day price) TLTV 65% and FICO (3776, 3777) +0 Cash out refinance -0 Condo > 4 stories -0 Loan amount > $1,000,000-0 Interest Only (Plan 3739) No escrows (requires LTV 80%) -0 Please refer to Product Guidelines for complete details. All lock-ins must be received by 5:30 pm EST. FIXED RATE Yr Yr Yr ARM 45 Day 60 Day 45 Day 60 Day 45 Day 60 Day Rate 1/1 1/16 Rate 1/1 1/16 Rate 1/1 1/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % SECOND ADJUSTMENTS Loan amt $10,000 - $14, Loan amt $15,000 - $19,999-0 PLEASE NOTE When TLTV > 85% second must be sold elsewhere Plans 3104, 3105 & 3141 may only be used when USBHM is purchasing new first mortgage. Refer to specific U.S. BANK HOME MORTGAGE first mortgage guidelines for possible additional subordinate financing requirements and restrictions. SECONDS 1 YR ARM No U.S. Bank second mortgage product offered allows a TLTV in excess of 85%. Please Note: All products on this page are NET PRICED.

8 Revised 12/31/10 FHLMC / FNMA Delivery Fees PAGE 8 OF 8 All fees are cumulative FHLMC / FNMA Delivery Fees All Products LTV 70% % % % % % % Condo 1 Mfg Home NonOwner Occ Units Home Possible All Others 3-4 Units Home Possible All Others 1 Not applicable to mortgage loans with terms of 15 years or less FHLMC / FNMA Cash Out Refi Fees FICO Score 60% % % % FHLMC / FNMA Fees for Mortgages with Subordinate Financing Max TLTV 2 FICO Fee 65% > 65% & 75% > 75% & 80% > 75% & 80% > 80% & 90% > 90% & 95% >80% & 95% >80% & 95% >76% & 90% >81% 95% 2 When TLTV > 85% second must be sold elsewhere. FHLMC A-Minus Delivery Fees (DU EA Levels Ineligible) LP Feedback Message Fee Level Level 2 Level Level Level A-MINUS PRODUCT CODES 3642 FHLMC 30 Yr Fixed A-Minus 3643 FHLMC 15 Yr Fixed A-Minus 3682 FHLMC 30 Yr Mfg Home A-Minus 3683 FHLMC 15 Yr Mfg Home A-Minus 3396 FHLMC 3/1 LIBOR ARM 3397 FHLMC 5/1 LIBOR ARM 3398 FHLMC 7/1 LIBOR ARM FHLMC / FNMA Indicator Score / Loan-To-Value Fees 3 FICO Score 60% % % % % > 85% < 620 or no score Applicable to all FHLMC/FNMA products except: 10/15 yr (3602, 3611, 3619, 3627, 3668, 3502, 3506 and 3507) A-Minus (3396, 3397, 3398, 3642, 3643, 3682 and 3683) Home Possible (3687, 3688, 3691, 3698 and 3699) See Product Guidelines for minimum FICO score and product eligibility requirements. PRICE ADJUSTMENTS SUBJECT TO CHANGE AT ANY TIME DELIVERY FEES SUBJECT TO CHANGE AT ANY TIME