Monday. Tuesday. Wednesday. Thursday. Friday TODAY'S MARK ON FANNIE MAE 4.5% SECURITY NOVEMBER Underwriting Refi Transaction.

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1 PBM Market Update PBM Economic Releases Yesterday, Mortgages and Treasuries traded lower as Consumer Confidence came in at a 18 year high with many giving the nod to economic strength and optimism in the labor market. The report was expected to show a reading vs. the actual CaseShiller House Price Index rose only 5.8% from the +6.0%, the first time its been below 6.0% all year. This reading may suggest the start of home prices coming down, or was the reading a result the slow time of the year. Mortgages ended the day down 2+ ticks and the 10 year finished down 8 ticks at 3.119%. U.S. Equities rebound huge yesterday with the Dow closing up points and the S&P ending up points. This morning, Mortgages are trading down 5 ticks right out of the gate with ADP Employment report showed that 227k jobs were added to the Private Sector vs. +187k, just reinforcing a strong labor market. Other news this morning showed Mortgage Applications from last week fell 2.5% after rising 4.9% the prior week. Purchases were down 1.5% and Refinances dropped 3.8% as the average 30 year fixed rate stayed at 5.11%. Also on tap this morning we have Chicago PMI at 7 am. The 10 year is at 3.151%. TODAY'S MARK ON FANNIE MAE 4.5% SECURITY NOVEMBER Extensions: For Speciality & Jumbo product Extension Fees, please see the top of pages 6-8 PBM Extension Policies Days Cost 7 Days 15 Days 20 Days 3rd Extension or Relocks: Worse Case Pricing Plus.25 For 15 Days Free 7 day extension if current market is.500% in price better than existing lock Free 15 day extension if current market is.750% in price better than existing lock Monday Tuesday Wednesday Thursday Friday 15 Day Lock 30 Day Lock 45 Day Lock 60 Day Lock Personal Income & Spending/Dallas Fed Manf. Activity CaseShiller Index/Conferenc Board Consumer Confidence Mortgage Application Index/ADP Employment report/chicago PMI Initial Jobless Claims/ISM Manufacturing/Constrution Spending October Employment Report/Trade Balance/Factory Orders PBM Expiration Dates on Today's Locks 11/15/ /30/ /15/ /30/2018 For longer lock periods please contact your Wholesale Coordinator PBM Lock Policies If changing Product Types during the lock period, lock goes to Worse Case Pricing If changing Product Codes within the same Product Type, the lock goes to the original lock date for pricing A renegotition for a free extension counts as one of the two extensions If changing Rates within the lock period, pricing goes to the original lock date for pricing Operation Turn Times Set Up** 1-2 Days Underwriting Purchase Transaction 1-2 Days Underwriting Refi Transaction 2-3 Days Condition Review 1-2 Days Closing Disclosure (CD) 24 Hours Docs Hours Fundings 48 Hours **Timing may vary depending on quality of submission Indicies WSJ PRIME WSJ 1YR LIBOR 1YR CMT (Treasury) 3 Yr Treasury 5 Year Treasury 5.250% 3.071% 2.660% 2.920% 2.980% 7 Yr Treasury 10 Year Treasury 30 Yr Treasury 1 Month Libor 6 Month Libor 3.060% 3.140% 4.521% 2.299% 2.796% Southern California Sales Staff Southern California Operation's Staff Christina Hosseini - Regional Manager All Operations Staff can be reached at (909) chosseini@myprovident.com (909) Christina Hosseini - Regional Manager Lucy Pacheco - Account Executive chosseini@myprovident.com lpacheco@myprovident.com (909) Lisa Ledesma - Loan Origination Supervisor Debi Tambellini - Account Executive lledesma@myprovident.com dtambellini@myprovident.com (949) Teresa Hererra - Funding Supervisor Wendy Hughes - Account Executive therrera@myprovident.com whughes@myprovident.com (714) Patty Malloy - Underwriting Supervisor Linda Kelly - Account Executive pmalloy@myprovident.com lkelly@myprovident.com (714) Wilhelmenia Barner - Loan Coordinator Jeff Warner - Account Executive wbarner@myprovident.com jwarner@myprovident.com (909) Rebecca Nixon - Loan Coordinator Stephanie Brownell - Account Executive rnixon@myprovident.com sbrownell@myprovident.com (909) Michelle Morgan - Loan Coordinator mmorgan@myprovident.com New 30 Year Fixed Portfolio Program Temporary Buydowns Investor Bank Statement Program Upcoming Product Rollouts TBD Submission Due Dates Lock Period Delivery Period Submission Due Date 30 Days 7 Days 11/07/ Days 14 Days 11/14/ Days 21 Days 11/21/2018 PBM Lender Fees Important Announcement Administration Fee FHA Administration Fee FHA Streamline Administration Fee VA Administration Fee Flood, Tax and Wire Fee PBM stand alone 2nd TD $ $ $ $ Included $ 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 TPO Broker Connect at time of registration or lock. For further details, please contact your Account Executive Page 1 of 8

2 PBM Mortgagee Clause Provident Savings Bank, F.S.B. Its Successors and/or Assigns 3756 Central Avenue Riverside, CA 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 is please contact your Account Executive (5.750) (5.625) (5.375) (5.125) (4.000) (3.875) (3.625) (3.375) (4.500) (4.375) (4.125) (3.875) (5.625) (5.500) (5.250) (5.000) (3.375) (3.250) (3.000) (2.750) (4.375) (4.250) (4.000) (3.750) (5.125) (5.000) (4.750) (4.500) (3.125) (3.000) (2.750) (2.500) (3.875) (3.750) (3.500) (3.250) (4.875) (4.750) (4.500) (4.250) (2.875) (2.750) (2.500) (2.250) (3.625) (3.500) (3.250) (3.000) (4.625) (4.500) (4.250) (4.000) (2.625) (2.500) (2.250) (2.000) (3.375) (3.250) (3.000) (2.750) (4.375) (4.250) (4.000) (3.750) (2.125) (2.000) (1.750) (1.500) (3.250) (3.125) (2.875) (2.625) (4.125) (4.000) (3.750) (3.500) (1.500) (1.375) (1.125) (0.875) (3.000) (2.875) (2.625) (2.375) (3.875) (3.750) (3.500) (3.250) (1.375) (1.250) (1.000) (0.750) (2.750) (2.625) (2.375) (2.125) (3.625) (3.500) (3.250) (3.000) (1.000) (0.875) (0.625) () (2.500) (2.375) (2.125) (1.875) (3.000) (2.875) (2.625) (2.375) () () (2.000) (1.875) (1.625) (1.375) (2.500) (2.375) (2.125) (1.875) (1.750) (1.625) (1.375) (1.125) (5.875) (5.750) (5.500) (5.250) (4.125) (4.000) (3.750) (3.500) (2.875) (2.750) (2.500) (2.250) (5.375) (5.250) (5.000) (4.750) (3.500) (3.375) (3.125) (2.875) (2.250) (2.125) (1.875) (1.625) (5.125) (5.000) (4.750) (4.500) (3.250) (3.125) (2.875) (2.625) (2.000) (1.875) (1.625) (1.375) (4.875) (4.750) (4.500) (4.250) (3.000) (2.875) (2.625) (2.375) (1.750) (1.625) (1.375) (1.125) (4.625) (4.500) (4.250) (4.000) (2.750) (2.625) (2.375) (2.125) (1.500) (1.375) (1.125) (0.875) (4.375) (4.250) (4.000) (3.750) (2.250) (2.125) (1.875) (1.625) (1.000) (0.875) (0.625) () (4.125) (4.000) (3.750) (3.500) (1.625) (1.500) (1.250) (1.000) () () (3.875) (3.750) (3.500) (3.250) (1.500) (1.375) (1.125) (0.875) (3.250) (3.125) (2.875) (2.625) (1.125) (1.000) (0.750) () (2.750) (2.625) (2.375) (2.125) Conventional Agency Fixed Conforming and High Balance Products FNMA Conforming FNMA Conforming FNMA Conforming High Balance 30 Year Fixed 15 Year Fixed 30 Yr Fixed CF30FN Max Rebate is % CF15FN Max Rebate is % CF30HBFN Max Rebate is % FNMA Conforming FNMA Conforming FNMA Conforming High Balance 20 Year Fixed 10 Year Fixed 15 Yr Fixed CF20FNFR Max Rebate is % CF10FNFR Max Rebate is % CF15HBFN Max Rebate is % Freddie Mac Conforming 30 Year Fixed CF30FR Max Rebate is % CF30OAFR Max Rebate is % CF30DRFN Max Rebate is % (5.750) (5.625) (5.375) (5.125) (4.625) (4.500) (4.250) (4.000) (4.500) (4.375) (4.125) (3.875) (5.625) (5.500) (5.250) (5.000) (4.375) (4.250) (4.000) (3.750) (4.250) (4.125) (3.875) (3.625) (5.125) (5.000) (4.750) (4.500) (4.125) (4.000) (3.750) (3.500) (4.000) (3.875) (3.625) (3.375) (4.875) (4.750) (4.500) (4.250) (3.875) (3.750) (3.500) (3.250) (3.750) (3.625) (3.375) (3.125) (4.625) (4.500) (4.250) (4.000) (3.625) (3.500) (3.250) (3.000) (3.500) (3.375) (3.125) (2.875) (4.375) (4.250) (4.000) (3.750) (3.375) (3.250) (3.000) (2.750) (3.250) (3.125) (2.875) (2.625) (4.125) (4.000) (3.750) (3.500) (3.125) (3.000) (2.750) (2.500) (3.000) (2.875) (2.625) (2.375) (3.875) (3.750) (3.500) (3.250) (2.500) (2.375) (2.125) (1.875) (2.375) (2.250) (2.000) (1.750) (3.625) (3.500) (3.250) (3.000) (2.000) (1.875) (1.625) (1.375) (1.875) (1.750) (1.500) (1.250) (3.000) (2.875) (2.625) (2.375) (1.250) (1.125) (0.875) (0.625) (2.500) (2.375) (2.125) (1.875) (4.000) (3.875) (3.625) (3.375) (2.625) (2.500) (2.250) (2.000) (2.125) (2.000) (1.750) (1.500) (3.375) (3.250) (3.000) (2.750) (2.375) (2.250) (2.000) (1.750) (1.875) (1.750) (1.500) (1.250) (3.125) (3.000) (2.750) (2.500) (2.125) (2.000) (1.750) (1.500) (1.625) (1.500) (1.250) (1.000) (2.875) (2.750) (2.500) (2.250) (1.625) (1.500) (1.250) (1.000) (1.125) (1.000) (0.750) () (2.625) (2.500) (2.250) (2.000) (1.000) (0.875) (0.625) () () () () (2.125) (2.000) (1.750) (1.500) (0.875) (0.750) () () () () (1.500) (1.375) (1.125) (0.875) () () () (1.375) (1.250) (1.000) (0.750) (1.000) (0.875) (0.625) () () () Freddie Mac Open Access 30 Yr Fixed FNMA DU Refi 30 Year Fixed 135% LTV Freddie Mac Conforming Freddie Mac Open Access FNMA DU Refi 15 Yr Fixed 15 Year Fixed 15 Year Fixed 135% LTV CF15FR Max Rebate is % CF15OAFR Max Rebate is % CF15DRFN Max Rebate is % Conventional Agency Arm Conforming Page 2 of 8 and High Balance Products

3 Conforming 5/1 Arm Conforming 7/1 Arm Conforming 10/1 Arm CA51FNFR Max Rebate is 2.500% CA71FNFR Max Rebate is 2.500% CF10FNFR Max Rebate is 2.500% (1.625) (1.500) (1.250) (1.000) (0.875) (0.750) () () (1.375) (1.250) (1.000) (0.750) () () () (1.250) (1.125) (0.875) (0.625) (0.625) () () (0.875) (0.750) () () (0.625) () () () () () () () () () Yr. Libor % Margin & 2/2/5 Caps 1Yr. Libor % Margin & 5/2/5 Caps 1Yr. Libor % Margin & 5/2/5 Caps Freddie Mac Conforming 5/1 Arm Conforming High Balance 5/1 Libor Arm Conforming High Balance 7/1 Arm CA51FR Max Rebate is 2.000% CA51HBFNFR Max Rebate is 2.500% CA71HBFNFR Max Rebate is 2.500% (1.625) (1.500) (1.250) (1.000) (0.875) (0.750) () () () (1.375) (1.250) (1.000) (0.750) (0.625) () () (1.250) (1.125) (0.875) (0.625) () () () (0.875) (0.750) () () () () () () () () Yr. Libor % Margin & 2/2/5 Caps 1Yr. Libor % Margin & 2/2/5 Caps 1Yr. Libor % Margin & 5/2/5 Caps New Products Coming Soon Conforming 30 Year Fixed Temporary B/D Conforming 30 Year Fixed Temporary B/D CF30TB Year Buydown CF30TB Year Buydown Conforming 15 Year Fixed Temporary B/D Conforming 15 Year Fixed Temporary B/D CF15TB10 1/0 1 Year Buydown CF15TB21 2/1 2 Year Buydown Page 3 of 8

4 Fico/LTV >=740 <=60% % % % % % % % Fico/LTV >=740 <=60% % % % CLTV Price Adjustments Fico <720 LTV <=65% CLTV % All Investment <=75% LTV Cashout Refinance Fixed Rate <= 80% LTV LTV %/CLTV % Investment % LTV LTV % LTV >75%CLTV % Investment % LTV Cashout Refinance Arms <= 80% LTV CLTV > 95% Additional Units Freddie Mac Arm Programs Only: LTV > 75% Fico >=720 Conventional Agency Fixed and Arm - Conforming and High Balance Loan Level Price Adjustments Fico/LTV Price Adjustments Fixed and Arm Programs (Loan Terms Greater than 15 Years) Cashout Fico/LTV Price Adjustments for Fixed Rate and Arm Program For Fixed Rate & Arm Programs No Impounds LTV <=65%/CLTV % Condo LTV > 75% LTV LTV %/CLTV % Loan Amounts $50,000 to $79, LTV > 75%/CLTV % Loan Amounts $80,000 to $99,999 CLTV > 95% Additional Loan Amounts $100,000 to $119,999 > 4 to 6 Financed Properties(LP Only) > 4 to 10 Financed Properties(DU Only) Manufactured Homes Miscellaneous Price Adjustments Additional High Balance Adjustments 680+/LTV >80% <680/ >80% ALL FICO / < =80% (Home Possible Only) Wish CF30HRFNW, CF15HRFNW Lender Paid MI: CF30HRLPMIW High Balance: CF30HRFNW, CF15HRFNW Home Ready Loan Amount, Waived Escrows and LPMI Adjustments still apply outside of the Max Cap Lender Paid MI Price Adjustments for Fixed Rate Only (30 Years) LTV MI Fico % 30% % 25% % 12% Lender Paid MI Price Adjustments for 25, 15 and 10 Year Fixed Rate LTV MI Fico % 25% % 12% % 6% Miscellaneous Lender Paid MI Price Adjustments Rate Term Refinance Cashout Refinance Second Home High Balance Home Ready, Home Possible & Wish Program MAX CAPS CF15HRFN, CF30HRFN LPMI: CF15HRFNLPMI, CF30HRFNLPMI High Balance: CF15HBHRFN, CF30HBHRFN Please include the above applicable LLPA's to the LPMI Adjustments Home Possible Advantage/Home Ready (Lender Paid MI) ONLY 30 Year LTV MI Fico % 35% Home Possible Advantage/Home Ready (Lender Paid MI) ONLY <25 Years LTV MI Fico % 35% GSFA Platinum Grant Program CONVGSFA Home Possible CF15HPFR, CF30HPFR Advantage: CF15HPAFR, CF30HPAFR Page 4 of 8

5 Government Fixed Rate and Arm Programs FHA 30 Year Fixed FHA 15 Year Fixed FHA 5/1 Treasury Arm FHA30 Max Rebate is 5.000% FHA15 Max Rebate is 5.000% FHA51 Max Rebate is 5.000% (5.000) (4.875) (4.625) (4.375) (1.875) (1.750) (1.500) (1.250) Rate 15 Day 30 Day 45 Day 60 Day (4.875) (4.750) (4.500) (4.250) (1.500) (1.375) (1.125) (0.875) () () (4.500) (4.375) (4.125) (3.875) (1.125) (1.000) (0.750) () () (4.250) (4.125) (3.875) (3.625) (0.750) (0.625) () () (3.750) (3.625) (3.375) (3.125) (0.750) (0.625) () () (3.250) (3.125) (2.875) (2.625) () () () (2.875) (2.750) (2.500) (2.250) () () (2.750) (2.625) (2.375) (2.125) (2.250) (2.125) (1.875) (1.625) (1.250) (1.125) (0.875) (0.625) (0.750) (0.625) () () FHA 30 Year High Balance Fixed FHA 30 Year Fixed FHA 5/1 High Balance Treasury Arm FHA30HB Max Rebate is 5.000% (Fico Scores ) FHA51HB Max Rebate is 5.000% Rate 15 Day 30 Day 45 Day 60 Day FHA30LS Max Rebate is 5.000% 1Yr. CMT % Margin & 1/1/5 Caps (4.250) (4.125) (3.875) (3.625) (4.125) (4.000) (3.750) (3.500) (2.500) (2.375) (2.125) (1.875) (3.750) (3.625) (3.375) (3.125) (2.375) (2.250) (2.000) (1.750) (3.500) (3.375) (3.125) (2.875) (2.000) (1.875) (1.625) (1.375) (3.000) (2.875) (2.625) (2.375) (1.750) (1.625) (1.375) (1.125) (2.500) (2.375) (2.125) (1.875) (1.250) (1.125) (0.875) (0.625) (2.125) (2.000) (1.750) (1.500) (0.750) (0.625) () () (2.000) (1.875) (1.625) (1.375) () () (1.500) (1.375) (1.125) (0.875) () () () () () VA 30 Year Fixed VA 15 Year Fixed VA 5/1 Treasury Arm VA30 Max Rebate is 5.000% VA15 Max Rebate is 5.000% VA51 Max Rebate is 5.000% (4.625) (4.500) (4.250) (4.000) (1.500) (1.375) (1.125) (0.875) Rate 15 Day 30 Day 45 Day 60 Day (4.500) (4.375) (4.125) (3.875) (1.125) (1.000) (0.750) () (4.125) (4.000) (3.750) (3.500) (0.750) (0.625) () () (3.875) (3.750) (3.500) (3.250) () () (3.375) (3.250) (3.000) (2.750) () () (2.875) (2.750) (2.500) (2.250) () (2.500) (2.375) (2.125) (1.875) (2.375) (2.250) (2.000) (1.750) (1.875) (1.750) (1.500) (1.250) (0.875) (0.750) () () VA 30 Year High Balance Fixed VA 15 Year High Balance Fixed VA 5/1 High Balance Treasury Arm VA30HB Max Rebate is 5.000% VA15HB Max Rebate is 5.000% VA51HB Max Rebate is 5.000% 1Yr. CMT % Margin & 1/1/5 Caps (3.375) (3.250) (3.000) (2.750) () () Rate 15 Day 30 Day 45 Day 60 Day (3.250) (3.125) (2.875) (2.625) (2.875) (2.750) (2.500) (2.250) (2.625) (2.500) (2.250) (2.000) (2.125) (2.000) (1.750) (1.500) (1.625) (1.500) (1.250) (1.000) (1.250) (1.125) (0.875) (0.625) (1.125) (1.000) (0.750) () (0.625) () () FHA/VA Price Adjustments for Fixed and Arm Programs FHA O/O Fico Scores 600 to USDA FHA/ VA/ USDA Fico Scores FHA Streamlines FHA/ VA/ USDA Fico Scores 640 to 679 Loan Amounts $50,000 to $99,999 FHA/ VA/ USDA Fico Scores Greater than 720 () Loan Amounts $100,000 to $119,999 FHA Energy Efficient Mortgages Loan Amounts $120,000 to $149,999 FHA Manufactured Home - FHAFM VA IRRRLS without Appraisals VA Manufactured Home - VAFXM Investor Specific Adjustment FHA 30 Yr. Fixed Conforming and High Balance Disaster Relief Program: FHA30203H & FHA30HB203H GSFA Platinum Grant Program FHAGSFA Yr. CMT % Margin & 1/1/5 Caps 1Yr. CMT % Margin & 1/1/5 Caps Page 5 of 8

6 Speciality & Jumbo Product Extension Fees: 7 Days Days.375 Provident Bank Mortgage 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 (1.750) (1.500) (1.750) (1.500) Cashout Refinance.250% to Rate (1.500) (1.250) (1.500) (1.250) Loan Amounts > $1,000, % to Rate (1.250) (1.000) (1.250) (1.000) LPMI LTV %.500% to Rate (1.000) (0.750) (1.000) (0.750) LPMI LTV %.625% to Rate (0.750) () (0.750) () Fico % to Fee () () () () Loan Amounts > $453, % to Fee () () PA51/PA % Max rebate 2.750% Margin & 2/2/5 Caps 2.750% Margin & 5/2/5 Caps PA51J/PA71J % Max Rebate Prime Rate 5.250% Start Rate 6.500% 6.500% 6.500% Margin Buyup Margin Buyup Margin Buyup Provident Bank Mortgage Portfolio 5/1 Arm Closed End 2nd TD PA30CE2ND 5/1 Year Arm CLTV Minimum Fico Margin % % % Margin & Start Rate Buyup Options () (1.000) (1.500) Maximum Margin Buyup is.75 to 1.500% Improvement <= (0.750) (0.750) (0.750) () () () Enhanced - 2 Streamline 2nd Lien Product Code: CE2ND20G Rate 30 Day 45 Day 60 Day () () () FICO/CLTV RATE Adjustments for Cashout Refinances PBM Speciality Products Enhanced - 2 Streamline 2nd Lien Program CLTV----> CLTV----> <= Additional Rate Adjustments CLTV----> <= FICO/CLTV Rate Adjustments for All Transactions nd Home Condo 30 Yr. Term Year Term Pricing Price Improvement Price Improvement Price Improvement OPAL JUMBO 30 YEAR FIXED RATE PROGAM OPAL JUMBO 30 YEAR FIXED RATE Opal Jumbo 30 Year Fixed LLPA's Product Code: JF30US LTV Less than or Equal to 65% () Rate 30 Day 45 Day 60 Day California State Adjuster (2.500) (2.344) (2.188) Loan Amounts > $1,000, (2.375) (2.219) (2.063) Cashout Refinances (2.250) (2.094) (1.938) Investment Properties (2.125) (1.969) (1.813) (2.000) (1.844) (1.688) (1.875) (1.719) (1.563) (1.750) (1.594) (1.438) (1.500) (1.344) (1.188) (1.125) (0.969) (0.813) (0.750) (0.594) (0.438) Page 6 of 8

7 Speciality & Jumbo Product Extension Fees: Jumbo Fixed Rate and Arm Programs 7 Days Days.375 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) Rate 45 Day 60 Day Rate 45 Day 60 Day (2.500) (2.250) (1.125) (0.875) (2.250) (2.000) (1.000) (0.750) (2.000) (1.750) (0.750) () (1.625) (1.375) () () (1.375) (1.125) () (1.000) (0.750) Expanded Jumbo 7/1 Libor Arm Expanded Jumbo 10/1 Libor Arm JA71R Max Rebate (See Below) JA101R Max Rebate (See Below) Rate 45 Day 60 Day Rate 45 Day 60 Day (0.875) (0.625) (1.375) (1.125) (0.750) () (1.125) (0.875) () () (0.750) () () % Margin & 2/2/5 Caps 2.250% Margin & 2/2/5 Caps Loan Amounts LTV/CLTV Price Adjustments Loan Amounts: LTV/CLTV <=60% % % % <= $1,000,000 () () () $1,000,001 - $1,500,000 () $1,500,001 - $2,000,000 () $2,000,001 - $2,500, % Other LTV/CLTV Price Adjustments Purpose Property/LTV Cashout Refinance 2 Units <=60% % % % % Second Home Investment Property No Impounds LTV % (Except 30 year) % FicoLTV/CLTV >=760 Maximum Rebate Loan Amount Fixed & Arms <= $1,000,000 (1.500) > $1,000,000 (1.250) Aggressive Jumbo 30 Year Fixed JF30W Max Rebate 1.500% Rate 30 Day 45 Day (3.697) (3.447) (3.197) (2.947) (2.822) (2.572) (2.322) (2.072) Fico/LTV/CLTV Price Adjustments <=60% % % % % % () () () () () () () Aggressive Jumbo 30 Year Fixed Rate Purchase Program Fico/LTV <=60% % (0.750) (0.625) () () (0.625) () () () For 30 Day Prices, Improve the 45 Day Price by %! Aggressive Jumbo LTV/Fico Price Adjustments % () () (1.947) (1.697) (1.447) (1.197) Cash Out Price Adjustments (0.947) (0.697) Cashout Refi <= 50% LTV Cashout Refi >60% LTV (0.322) (0.072) Cashout Refi >50%<=60% LTV Miscellaneous Price Adjustments Second Homes >=$1MM Investment Property $453,100 - $679, () % % () () Page 7 of 8

8 LTV--> Speciality & Jumbo Product Extension Fees: Enhanced Jumbo 30 Year Fixed Enhanced Jumbo 15 Year Fixed JF30G Max Rebate 1.500% JF15G Max Rebate 1.500% Rate Day Rate 30 Day 45 Day <= () () () () () () () () () Cashout Rate Adjustments LTV--> <= Additional Rate Adjustments LTV--> <= >$1.5M Interest Only 2nd Home Investment NOO >9 Financed Unit Condo Additional Price Adjustments Waived Escrows 1,000,000-1,500,000 1,500,001-2,000,000 2,000,001-2,500,000 State Adjustments CA Micellaneous <= () <= Emerald Jumbo 30 Year Fixed JF30AH Max Rebate 1.500% Rate 30 Day 45 Day (2.610) (2.122) (1.563) (1.031) (0.548) () <= () (2.299) (1.817) (1.262) (0.736) (0.258) Fico Score <= () () () () () () () () () () () () () () () () () Loan Amount <1,000,000 Jumbo Fixed Rate and Arm Programs Continued 7 Days Days.375 Enhanced 2 Jumbo Fixed Rate up to 95% LTV 30 Day FICO/CLTV Rate Adjustments for All Transactions New Emerald Jumbo Fixed Program Purchase Transaction Cashout Refinance 2 Units () to 4 Units Second Homes Investment Properties Waived Escrows Pricing is subject to change without notice or a new published rate sheet on this product Page 8 of 8