PORTFOLIO ARM - BORROWER PAID

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1 BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Wholesale Sales Inquiries Thursday, June 28, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Rate Adjustments Price Adjustments Lender Paid Comp 2nd Home Day Lock Extension Lender Paid compensation is equal to the greater of a 2-4 Unit Property Day Lock Extension minimum $4,000 or 1% of the loan amount. Investment (18 mo. Pre-Payment Penalty) Day Lock Extension FICO <700 (including No FICO) Non-Resident Alien (2nd Home / No Fico) Loan Amount 300K - < 424.1K Loan Amount 424.1K - 2.5MM For loan amounts less than $400,000 the comp adjustment is calculated as follows: If loan amount is $350,000 the LPC adjustment would be: Loan Amount > 2.5MM - 5.0MM 4000 / = x 100 = Adjustment to Loan Amount > $5.0MM (By Exception) Portfolio Wholesale Fees Borrower Pair rate sheet price Purchase Money Lender Fee $1, Loan To Value (LTV) 50% Trust/Entity Review $ Cross-Collateralization (Wholesale Only) TX Doc Review $ ARM Features Interest Only (Max 60% LTV/CLTV) Foreign National Review $ Rate Floor = Note Rate Cash Out Margin = 3.25 Condo (Condotel Max 60% LTV) Caps = 6/2/6 Co-Op (New York Only) Asset Depletion TBD LTV Eligibility Matrix Property Type $1MM LTV/CLTV >$1MM - $2MM LTV/CLTV >$2MM - $3MM LTV/CLTV >$3MM - $5MM LTV/CLTV Primary Residence - Purchase 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Rate & Term 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Cash Out 1 Unit 65 / / / / Unit 65 / / / / 55 Condo/Co-Op 60 / / / / 55 2nd Home - Purchase 1 Unit 65 / / / / Unit 65 / / / / 60 Condo/Co-Op 65 / / / / 60 2nd Home - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 55 Condo/Co-Op 60 / / / / 55 2nd Home - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 55 Condo/Co-Op 60 / / / / 55 Investment - Purchase 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 45 Condo/Co-Op 55 / / / / 45

2 BofI Federal Bank Wholesale SFR Ratesheet Borrower Paid Lock Desk Wholesale Sales Inquiries Lock Requests: 12 Month Bridge Loan (Interest Only) - BORROWER PAID ONLY Base Rate Par (100.00) Loan Level Rate Adjustments Investment Property nd Home 0.25 Cash Out 0.25 Lender Fee BofI Origination Fee = 1% of Loan Amount BofI Lender Fee = $ Eligibility Property Type 1-4 Unit SFR only Occupancy Type Owner Occupied, 2nd Home, and Investment Minimum FICO 680 Minimum Loan Size $1,000,000 Maximum LTV 55% Loan Term Payment Term Listing Requirements Citizenship 1 Year with option to renew. Two extensions of 6 months are allowed (12 months total). The 6 month extension option is at a cost of.50% of the original loan amount and a $500 renewal review fee for each renewal requested. Interest Only Average Marketing Time for the neighborhood may not exceed 6 months NRA (Non Resident Alien) NOT ELIGIBLE Please see full guidelines online for more information

3 BofI Federal Bank Wholesale SFR Ratesheet Borrower Paid Lock Desk Wholesale Sales Inquiries Thursday, June 28, 2018 Lock Requests: CONFORMING FIXED RATE (Fannie Mae - DU) 30 & 25 YEAR FIXED (DU30, DU25) 20 YEAR FIXED (DU20) 15 & 10 YEAR FIXED (DU15, DU10) CONFORMING ARM (Fannie Mae - DU) 5/1 LIBOR ARM (DU51) 2/2/5 7/1 LIBOR ARM (DU71) 5/2/5 10/1 LIBOR ARM (DU101) 5/2/ CONFORMING FIXED RATE (Freddie Mac - LP) 30 & 25 YEAR FIXED (LP30, LP25) 20 YEAR FIXED (LP20) 15 & 10 YEAR FIXED (LP15, LP10) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day Rate 45-Day 60-Day 75-Day 90-Day

4 CONFORMING ARM (Freddie Mac - LP) 5/1 LIBOR ARM (LP51) 2/2/5 7/1 LIBOR ARM (LP71) 5/2/5 10/1 LIBOR ARM (LP101) 5/2/ CONFORMING HIGH BALANCE FIXED RATE (Fannie Mae - DU) 30 YEAR FIXED HIGH BAL. (DUHB30) 20 YEAR FIXED HIGH BAL. (DUHB20) 15 YEAR FIXED HIGH BAL. (DUHB15) CONFORMING HIGH BALANCE ARM (Fannie Mae - DU) 5/1 LIBOR ARM HIGH BAL. (DUHB51) 2/2/5 7/1 LIBOR ARM HIGH BAL. (DUHB71) 5/2/5 10/1 LIBOR ARM HIGH BAL. (DUHB101) 5/2/

5 SUPER CONFORMING FIXED RATE (Freddie Mac - LP) 30 YEAR FIXED (LPSC30) 20 YEAR FIXED (LPSC20) 15 YEAR FIXED (LPSC15) SUPER CONFORMING ARM (Freddie Mac - LP) 5/1 LIBOR ARM SUPER CONF. (LPSC51) 2/2/5 7/1 LIBOR ARM SUPER CONF. (LPSC71) 5/2/5 10/1 LIBOR ARM SUPER CONF. (LPSC101) 5/2/

6 BofI Federal Bank Wholesale SFR Ratesheet Conforming LLPAs Lock Desk Wholesale Sales Inquiries CONFORMING FANNIE MAE (DU) LLPAs Lock Requests: Agency (DU) Loan Amount Price Adjustments $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $299,999 $300,000 - $349,999 $350, LTV Range - Applicable for all mortgages with terms greater than 15 years FICO < 60.00% % % % % % % % % 0.250% 0.250% 0.500% 0.250% 0.250% 0.250% 0.750% % 0.250% 0.500% 0.750% 0.500% 0.500% 0.500% 1.000% % 0.500% 1.000% 1.250% 1.000% 1.000% 1.000% 1.500% % 0.500% 1.250% 1.750% 1.500% 1.250% 1.250% 1.500% % 1.000% 2.250% 2.750% 2.750% 2.250% 2.250% 2.250% % 1.250% 2.750% 3.000% 3.250% 2.750% 2.750% 2.750% % 1.500% 3.000% 3.000% 3.250% 3.250% 3.250% 3.500% LLPA by Product Feature - Applicable to ALL eligible mortgages Feature < 60.00% % % % % % % % ARM 0.000% 0.000% 0.000% 0.000% 0.000% 0.000% 0.250% N/A Investment Property 2.125% 2.125% 2.125% 3.375% 4.125% N/A N/A N/A Cash-Out Refinance - Applicable to ALL eligible mortgages FICO < 60.00% % % % % % % % % 0.625% 0.625% 0.875% N/A N/A N/A N/A % 1.000% 1.000% 1.125% N/A N/A N/A N/A % 1.000% 1.000% 1.125% N/A N/A N/A N/A % 1.125% 1.125% 1.750% N/A N/A N/A N/A % 1.125% 1.125% 1.875% N/A N/A N/A N/A % 1.625% 1.625% 2.625% N/A N/A N/A N/A % 1.625% 1.625% 3.125% N/A N/A N/A N/A High Balance - Applicable to ALL eligible High Balance mortgages Feature < 60.00% % % % % % % % Purchase or Ltd. C/O 0.250% 0.250% 0.250% 0.250% 0.250% 0.250% 0.250% N/A Cash-Out Refinance 1.000% 1.000% 1.000% 1.000% N/A N/A N/A N/A ARM 0.750% 0.750% 0.750% 1.500% 1.500% 1.500% 1.500% N/A Property Type - Applicable to ALL eligible mortgages Feature < 60.00% % % % % % % % 2 Unit 1.000% 1.000% 1.000% 1.000% 1.000% N/A N/A N/A 3-4 Unit 1.000% 1.000% 1.000% N/A N/A N/A N/A N/A Condo (terms >15 years) 0.000% 0.000% 0.000% 0.750% 0.750% 0.750% 0.750% N/A Applicable for all mortgages that meet these LTV and CLTV ranges and credit score requirements (the LLPAs below are in addition to the LLPA above) Mortgages with Subordinate Financing All mortgages where the CLTV exceeds the LTV 0.375% LTV Range CLTV Range Credit Score < 720 Credit Score > % 80.01% 95.00% 0.500% 0.250% 65.01% 75.00% 80.01% 95.00% 0.750% 0.500% 75.01% 95.00% 90.01% 95.00% 1.000% 0.750% 75.01% 90.00% 76.01% 90.00% 1.000% 0.750% 95.00% 95.01% 97.00% 1.500%

7 CONFORMING FREDDIE MAC (LP) LLPAs Agency (LP) Loan Amount Price Adjustments $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $299,999 $300,000 - $349,999 $350, LTV Range - Applicable for all mortgages with terms greater than 15 years FICO < 60.00% % % % % % % % % 0.250% 0.250% 0.500% 0.250% 0.250% 0.250% 0.750% % 0.250% 0.500% 0.750% 0.500% 0.500% 0.500% 1.000% % 0.500% 1.000% 1.250% 1.000% 1.000% 1.000% 1.500% % 0.500% 1.250% 1.750% 1.500% 1.250% 1.250% 1.500% % 1.000% 2.250% 2.750% 2.750% 2.250% 2.250% 2.250% % 1.250% 2.750% 3.000% 3.250% 2.750% 2.750% 2.750% % 1.500% 3.000% 3.000% 3.250% 3.250% 3.250% 3.500% Cash-Out Refinance - Applicable to ALL eligible mortgages FICO < 60.00% % % % % % % % % 0.625% 0.625% 0.875% N/A N/A N/A N/A % 1.000% 1.000% 1.125% N/A N/A N/A N/A % 1.000% 1.000% 1.125% N/A N/A N/A N/A % 1.125% 1.125% 1.750% N/A N/A N/A N/A % 1.125% 1.125% 1.875% N/A N/A N/A N/A % 1.625% 1.625% 2.625% N/A N/A N/A N/A % 1.625% 1.625% 3.125% N/A N/A N/A N/A LLPA by Product Feature - Applicable to ALL eligible mortgages Feature < 60.00% % % % % % % % ARM 0.000% 0.000% 0.000% 0.000% 0.000% 0.000% 0.250% N/A Investment Property 2.125% 2.125% 2.125% 3.375% 4.125% N/A N/A N/A Property Type Feature < 60.00% % % % % % % % 2 Unit 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% N/A 3-4 Unit 1.000% 1.000% 1.000% 1.000% 1.500% 2.000% 2.000% N/A Condo (terms >15 years) 0.000% 0.000% 0.000% 0.750% 0.750% 0.750% 0.750% N/A Applicable for all mortgages that meet these LTV and CLTV ranges and credit score requirements Mortgages with Subordinate Financing LTV TLTV < % 80.00% 0.375% 0.375% 65.00% > 80.00% & 95.00% 0.875% 0.625% > 65.00% & 75.00% > 80.00% & 95.00% 1.125% 0.875% > 75.00% & 95.00% > 75.00% & 95.00% 1.375% 1.125% Super Conforming - Applicable to ALL eligible Super Conforming mortgages Feature % % % % % Fixed & Purchase or Ltd. C/O 0.250% 0.250% 0.250% 0.250% 0.250% N/A Fixed & Cash-Out Refinance 1.000% 1.000% N/A N/A N/A N/A ARM & Purchase or Ltd. Cash Out 0.750% 1.500% 1.500% 1.500% 1.500% N/A ARM & Cash-Out Refinance 1.750% 2.500% N/A N/A N/A N/A

8 BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Sales Inquiries Thursday, June 28, 2018 Lock Requests: MERIDIAN PRIME JUMBO QM 30 Year Fixed (SQMFX30) 15 Year Fixed (SQMFX15) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day /1 LIBOR ARM 2/2/5 QM (SQM51) 7/1 LIBOR ARM 5/2/5 QM (SQM71) 10/1 LIBOR ARM 5/2/5 QM (SQM101) MERIDIAN PRIME 90 LTV JUMBO QM MERIDIAN PRIME JUMBO NON-QM 30 Year Fixed (S90QMFX30) 30 Year Fixed (SNQMFX30) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day

9 BofI Federal Bank Wholesale SFR Ratesheet Lock Desk Sales Inquiries Lock Requests: MERIDIAN PRIME JUMBO LLPAs MERIDIAN PRIME 90 QM LLPAs LTV / CLTV / HCLTV LTV / CLTV / HCLTV No MI No MI No MI FICO FICO NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA Loan Amounts Loan Amounts ,000, ,000, ,000,001-1,500, NA 1,000,001-1,500, ,500,001-2,000, NA NA 1,500,001-2,000,000 NA NA 2,000,001-2,500, NA NA NA 2,000,001-2,500,000 NA NA Purpose / Property Purpose / Property Cash Out NA NA NA Cash Out NA NA 2 Unit NA NA NA 2 Unit NA NA 3-4 Units NA NA NA 3-4 Units NA NA Second Home NA Second Home NA NA Investment NA NA NA Investment NA NA Purchase Purchase Non-War. Condo NA NA NA NA NA NA Non-War. Condo NA NA Condo-Hotel NA NA NA NA NA NA Condo-Hotel NA NA Product Product yr Hybrid yr Hybrid NA NA 7 yr Hybrid yr Hybrid NA NA 10 yr Hybrid yr Hybrid NA NA 15 yr Fixed yr Fixed NA NA 20 yr Fixed (add to yr Fixed (add to yr Fixed) yr Fixed) yr Fixed yr Fixed State Adjustments FL, NV No Escrows State Adjustments FL, NV CA No Escrows Max Net Price 30 YR 15 YR 10/1 ARM 7/1 ARM 5/1 ARM Max Net Price 30 YR 1,000, ,000, > 1,000, > 1,000, QM - Special 30/25/20 yr, Non CA 30/25/20 yr, CA 5/7/10 yr Hybrid, CA Non-QM - Special 30/25/20 yr, Non CA 30/25/20 yr, CA NA NA

10 BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Correspondent Sales Inquiries Thursday, June 28, 2018 Lock Requests: MERIDIAN PLUS JUMBO QM 30 Year Fixed (CQMFX30) 15 Year Fixed (CQMFX15) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day /1 LIBOR ARM 2/2/5 QM (CQM51) 7/1 LIBOR ARM 5/2/5 QM (CQM71) 10/1 LIBOR ARM 5/2/5 QM (CQM101) MERIDIAN PLUS JUMBO NON-QM 30 Year Fixed (CNQMFX30) 15 Year Fixed (CNQMFX15) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day

11 5/1 LIBOR ARM 2/2/5 QM (CNQM51) 7/1 LIBOR ARM 5/2/5 QM (CNQM71) 10/1 LIBOR ARM 5/2/5 QM (CNQM101) MERIDIAN PLUS JUMBO NON-QM INTEREST ONLY 30 Year Fixed (CNQMFX30IO) Rate 15-Day 30-Day 45-Day 60-Day /1 LIBOR ARM 2/2/5 QM (CNQM51IO) 7/1 LIBOR ARM 5/2/5 QM (CNQM71IO) Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day

12 BofI Federal Bank Wholesale SFR Ratesheet Lock Desk Correspondent Sales Inquiries MERIDIAN PLUS LLPAs Lock Requests: FICO Loan Amounts 1,000,000 1,000,001-1,500,000 1,500,001-2,000,000 2,000,001-2,500,000 Purpose / Property Cash Out 2 Unit 3-4 Units Second Home Investment Purchase Non-War. Condo Condo-Hotel Product 5 yr Hybrid 7 yr Hybrid 10 yr Hybrid 15 yr Fixed 20 yr Fixed (add to 30 yr Fixed) 30 yr Fixed State Adjustments FL, NV LTV / CLTV / HCLTV No MI No MI NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA No Escrows Max Net Price 1,000,000 > 1,000, YR 15 YR 10/1 ARM 7/1 ARM 5/1 ARM

PORTFOLIO ARM - BORROWER PAID

BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Email: lockdesk@bofi.com Wholesale Sales Inquiries Tuesday, March 20, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6