LOCK SUBMISSION DEADLINE

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1 9815 S 240 W (Monroe Street), Ste 203, Sandy, UT Office Phone: (801) or IMPORTANT ANNOUNCEMENTS All 30 & 45 day locks must submit loan files within 7 days of lock date to remain valid/active ACCOUNT EXECUTIVES YOUR OPERATIONS TEAM (801) or Geri Linnebach (801) Joel Harward Branch Manager geril@snmccom Marilyn McCormack Setup Coordinator Justin Pater (801) Don Reid Underwriter justinpater@snmccom Terry Parra Underwriter Heidi West (801) Mimi Setterberg Underwriter heidiwest@snmccom Norah Tafa Closer/Funder Cami Baker Closer/Funder Maryanna Mackay Coordinator Jenna Dobson Broker Coordinator Allyson Nugent Broker Coordinator LOCK SUBMISSION DEADLINE LOCK DESK All Locks must be submitted by 4:00 pm MST to lock in today's pricing LOCK EXPIRATION DATES You can lock online by logging in at wwwsnmcwholesalecom If you have pricing questions you can call your Account Executive LOCK EXTENSIONS 15 day lock 1 expires on: March 19, day lock 2 expires on: April 3, day lock 2 expires on: April 18, day lock extensions cost: Day Locks must have all prior-to-doc conditions signed off 10 day lock extensions cost: 2 30 & 45 Day Locks must submit loan files with 7 days of lock date to 15 day lock extensions cost: remain valid Only 1 Paid Extension Per Lock is Allowed 15 day locks can only be extended for 5 days LOAN SUBMISSION Please upload your Fannie 32 loan file to your pipeline on our website at: wwwsnmcwholesalecom All conditions can also be uploaded on our website through your pipeline Please contact your Account Executive for training/questions CLOSING INSTRUCTIONS Please schedule all loan closings with your coordinator within 24 hours of closing The Closing Fee Sheet can be found on our website at: wwwsnmcwholesalecom FEES AGENCY LOAN LIMITS Administration (Conventional) $950 Administration (Government) $950 Document Redraw Fee $150 One unit property: $417,000 Appraisal Review Fee $125 Two unit property: $533,850 Appraisal Field Review $250 Three unit property: $645,300 Four unit property: $801,950 FHA/VA ID NUMBERS MORTGAGEE CLAUSE SecurityNational Mortgage Company, a Utah Corporation ISAOA FHA South 360 West, Ste 150 VA Murray, UT WEBSITE wwwsnmcwholesalecom APPRAISALS MARKET INDICATIONS 1 Year LIBOR Index: Year Treasury Index: 022 SNMC Appraisal Department: snmcappraisals@securitynationalcom Market Minute by Tim Yates This morning s economic reporting began with the productivity index showing fourth-quarter productivity fell 22% and labor costs increased so basically, we re paying more for less, which is every manager s nightmare We also had unemployment figures this morning showing a higher than expected number of jobless claims so maybe all those managers from the fourth quarter cleaned house and got rid of the low producing high cost workers? Just a theory So far this morning things remain relatively flat, with a slight improvement in mortgage rates due to the higher than expected jobless claims This Rate Sheet is intended for Mortgage Professional use only and should not be distributed or shown to consumers or third parties

2 F-F30 Pricing is valid for properties located in the state of Utah Only 4500 (5625) (5375) (5000) To price properties in other states please use online pricing engine 3750 (4000) (3750) (3375) F-F30HB 4375 (4375) (4125) (3750) 3625 (3750) (3500) (3125) 4250 (4250) (4000) (3625) PREFERRED FHA/VA/USDA PRICE ADJUSTMENTS 3500 (3375) (3125) (2750) 4125 (3875) (3625) (3250) See separate section below for loan size adjusments 3375 (2875) (2625) (2250) 4000 (4000) (3750) (3375) Credit Score >= 720 () 3250 (2500) (2250) (1875) 3875 (3000) (2750) (2375) Credit Score (1750) (1500) (1125) 3750 (2500) (2250) (1875) Credit Score (VA only) (1250) (1000) (0625) 3625 (1500) (1250) (0875) Credit Score (FHA Only) - Not Allowed under the "Preferred 2875 (0875) (0625) () 3500 (1500) (1250) (0875) Products" Please price using the FHA Standard base pricing and 2750 () () (0625) adjustments Year Amortization (priced the same as 30 Yr) F-F (4500) (4250) (3875) 20 Year pricing is available within our online pricing engine 4125 (3375) (3125) (2750) 4625 (4000) (3750) (3375) Borrowers with no credit scores can be priced using an occupant 4000 (3500) (3250) (2875) 4500 (4375) (4125) (3750) co-borrower's credit scores 3875 (2500) (2250) (1875) 4375 (3250) (3000) (2625) All VA IRRLs using the "preferred" pricing must have appraisals 3750 (2000) (1750) (1375) 4250 (3000) (2750) (2375) VA IRRL's w/o appraisal can be priced online 3625 (1000) () 4125 (2625) (2375) (2000) 3500 (1000) () 4000 (2250) (2000) (1625) 3375 (0125) (1625) (1375) (1000) (1250) (1000) (0625) 3625 () Standard FHA/VA - 30 Yr 4000 (2375) (2125) (1750) 3875 (2125) (1875) (1500) 3750 (1750) (1500) (1125) Preferred FHA/VA Products STATE ADJUSTORS 3625 () () (0125) Loan Amount $50,000 to $75, (0125) Loan Amount $75,001 to $100, Credit Score >= Credit Score () Credit Score Credit Score FHA Streamlines should be priced under Preferred Pricing Investment Property (Streamlines only) 25 Year Amortization (priced the same as 30 Yr) NOTES F-F15 Page 1 of 4 Preferred FHA/VA - 30 Yr Preferred High Bal- 30 Yr VA Adjustment (automatically deducted from base pricing online and varies based on loan parameters between and ) FHA Streamlines - effective January 2015 may now be priced using the "preferred" pricing Utah Housing Please contact your Account Executive to find out if you are approved to do Utah Housing Loans and for locking procedures STANDARD FHA/VA PRODUCTS PRICE ADJUSTMENTS Credit Score Credit Score (Streamlines not allowed) VA Adjustment Loan Size Adjustments Borrowers with no credit scores can be priced using an occupant co-borrower's credit scores Back to Work program available under "standard" programs RH-30 Preferred FHA/VA - 15 Yr Preferred USDA - 30 Yr LOAN AMOUNT ADJUSTMENTS WILL NOT APPEAR ON LOCK CONFIRMATIONS When locking "preferred" loan programs, our online pricing engine will automatically subtract the loan amount adjustments from the base pricing, and they WILL NOT show up in the adjustment section on the lock confirmation LOAN AMOUNT ADJUSTMENTS BELOW ARE ESTIMATES ONLY Loan Size adjustments under the "preferred" loan programs change based on loan size, loan term, and state The loan size adjustments listed below are estimates only For the most accurate pricing please use our online pricing engine Loan Amounts $ 50,000 - $ 99,999 (this adjustment is an estimate only see above for further explanation) Loan Amounts $ 100,000 - $139,999 (this adjustment is an estimate only see above for further explanation) 0125 Standard FHA/VA Products STATE ADJUSTORS Pricing is valid for properties located in the state of Utah Only To price properties in other states please use online pricing engine Please refer to guidelines to determine if the combination of loan characteristics is allowable The rate sheet pricing matrices are not meant to imply guideline approval

3 C-F30 30 Year Fixed C-F20 20 Year Fixed Lender Paid Mortgage Insurance products are available Please price LPMI loans using the C-F30, C-F20, C-F15, or 4500 (3875) (3625) (3250) C-F30J9 base pricing 4500 (3750) (3500) (3125) 4375 (3500) (3250) (2875) To lock LPMI loans please use the following product codes: 4375 (3250) (3000) (2625) 4250 (3000) (2750) (2375) C-F30-LPMI, C-F20-LPMI, C-F15-LPMI, C-F30J9-LPMI 4250 (2875) (2625) (2250) 4125 (2375) (2125) (1750) LPMI adjustments are located at the bottom of the conforming 4125 (2250) (2000) (1625) adjustment page and are cumulative with the other Conforming, Risk 3990 () () (0125) 4000 (1500) (1250) (0875) Based, and Cash-out adjustments (When pricing out the LPMI 3875 () () (0125) 3875 () () 0125 products in our online pricing engine be sure to select "NO" in the 3750 (0125) 0125 "borrower pays MI" field in order for the LPMI products to appear) Fannie Mae HARP II DU REFI PLUS pricing & adjustments available on page C-F15 15 Year Fixed C-F25 available and priced using the same base pricing and C-F10 10 Year Fixed adjustments as the C-F30 C-F30HB 3625 (2875) (2625) (2250) 3875 (2875) (2625) (2250) 3500 (2375) (2125) (1750) 3750 (2500) (2250) (1875) 3375 (1625) (1375) (1000) 3625 (2125) (1875) (1500) 3250 (1000) () 3500 (1625) (1375) (1000) 3125 () () (1000) () (0125) C-F15HB 4750 (3625) (3375) (3000) 4125 (2625) (2375) (2000) 4625 (3000) (2750) (2375) 4000 (2250) (2000) (1625) 4500 (2250) (2000) (1625) 3875 (2000) (1750) (1375) 4375 (1875) (1625) (1250) 3750 (1625) (1375) (1000) 4250 (1375) (1125) () 3625 (1250) (1000) (0625) 4125 (0625) 3500 () () (0125) Loan Amount Adjustments LOAN AMOUNT ADJUSTMENTS WILL NOT APPEAR ON LOCK CONFIRMATIONS When locking loans, the optimal blue system will automatically subtract the loan amount adjustments from the base pricing, and they WILL NOT show up in the adjustment section on the lock confirmation LOAN AMOUNT ADJUSTMENTS BELOW ARE ESTIMATES ONLY Loan Size adjustments will change based on loan size, loan term, and state The loan size adjustments listed below are estimates, provided for rough indications purposes only In order to quote accurate pricing please log in to optimal blue Loan Amounts $ 50,000 - $ 99,999 (this adjustment is an estimate only see above for further explanation) Loan Amounts $ 100,000 - $139,999 (this adjustment is an estimate only see above for further explanation) 0125 NOO w/ LTV 8001 to 8500% 3750 Sub Financing: LTV <=65% & CLTV >80% <=95%, & FICO >= 720 Sub Financing: LTV <=65% & CLTV >80% <=95%, & FICO < 720 Sub Financing: LTV >65%<=75% & CLTV >80% <=95%, & FICO >= 720 Sub Financing: LTV >65%<=75% & CLTV >80% <=95%, & FICO < 720 Sub Financing: LTV >75%<=90% & CLTV >76% <=90%, & FICO >= 720 Sub Financing: LTV >75%<=90% & CLTV >76% <=90%, & FICO < 720 Sub Financing: LTV >75%<=95% & CLTV >90% <=95%, & FICO >= 720 Sub Financing: LTV >75%<=95% & CLTV >90% <=95%, & FICO < 720 Sub Financing: CLTV > 9500% Credit Score 680 to 739 Credit Score 620 to 679 Cash Out Pricing Grid FICO >= 740 LTV <= 6000% N/A LTV % N/A LTV % N/A LTV % N/A LTV > 8500% N/A N/A N/A N/A N/A N/A N/A N/A Risk Based Pricing Grid: All Products w/ Terms > 15 Yrs FICO >= 740 LTV <= 6000% N/A () () () LTV % N/A LTV % N/A LTV % N/A LTV % N/A LTV % High Balance - 30 Yr Conforming High Balance Products PRICE ADJUSTMENTS (All Conforming Loans) Page 2 of 4 Conforming Fixed Products N/A LTV % N/A High Balance - 15 Yr Escrow Waiver Fee (exclude CA loans) NOO w/ LTV <= 7500% 2000 NOO w/ LTV 7501 to 8000% 3250 CONDO w/ LTV > 7500% & Loan Term > 15 Years 3-4 Unit Properties Unit Properties 1000 CONFORMING HIGH BALANCE & CASH OUT (This adjustment is in addition to any applicable adjustments on the Cash-Out Pricing Grid Below) 1000 Lender Paid Mortgage Insurance Price Adjustments (All Conforming, Cash Out, & Risk Based Adjustments listed above also apply) Attention: Please reference the C-F30, C-F15, or C-F30J9 base pricing but lock under the C-F30-LPMI, C-F15-LPMI, or C-F30J9-LPMI product codes Fico > 760 LTV 9001% to 9500% 195 LTV 8501% to 9000% 137 LTV 8001% to 8500% Year Term or Less (018) Agency High Balance 040 Cashout 050 Rate & Term Refi 000 Second Home 025 Florida (018) (018) (028) (039) (039) (039) Please refer to guidelines to determine if the combination of loan characteristics is allowable The rate sheet pricing matrices are not meant to imply guideline approval

4 C-F30-04 SNMC Service Retained Products FANNIE MAE Conforming Fixed (Service Retained) - DU Approval Required 30 Year Fixed (Serv Ret) Page 3 of 4 These products update in real time in our online pricing engine, pricing may vary from the prices listed below without official notice C-F (3250) (3000) (2625) 3750 (2625) (2375) (2000) 4375 (2750) (2500) (2125) 3625 (2375) (2125) (1750) 4250 (2250) (2000) (1625) 3500 (1875) (1625) (1250) 4125 (1500) (1250) (0875) 3375 (1125) (0875) () 4000 (0625) 3250 () () HARP II Conforming Fixed Products 15 Year Fixed (Serv Ret) C-F30RP-04 SNMC FNMA 30 YR Pricing only valid for LTV's < 105% To accurately price LTV's over C-F30RR-12 SNMC FREDDIE 30 YR 105% please use our online pricing engine 4500 (3250) (3000) (2625) HARP II Adjustment Caps 4500 (3125) (2875) (2500) 4375 (2750) (2500) (2125) Total price adjustments will be capped, based on loan parameters, as 4375 (2625) (2375) (2000) 4250 (2250) (2000) (1625) outlined below Adjustments listed in the "uncapped price adjustment" 4250 (2125) (1875) (1500) 4125 (1500) (1250) (0875) section are not subject to the following caps 4125 (1500) (1250) (0875) 4000 (0625) Owner Occupied, all Terms & LTV <= 80% () () (0125) Owner Occupied w/ Term <= 20 years & LTV > 80% Owner Occupied w/ Terms > 20 years and LTV > 80% NOO & Second Homes, all LTV's and Terms ***Online locking system does not support price adjustment caps, the caps will be applied manually after submitting lock request ***When pricing out the HARP II products in our online pricing engine be sure to select "NO" in the "borrower pays MI" field in order for the HARP II products to appear) Escrow Waiver Fee (exclude CA loans) UNCAPPED PRICE ADJUSTMENTS (these adjustments are not subject to HARP II Caps) Admin Waiver Fee (online system doesn't calculate the cap correctly it will be adjusted by the SNMC lock desk) (vary by loan amt) Service Retained Price Adjustments NOO w/ LTV <= 7500% 2000 NOO w/ LTV 7501 to 8000% 3250 NOO w/ LTV 8001 to 8500% 3750 CONDO w/ LTV > 7500% & Loan Term > 15 Years 3-4 Unit Properties Unit Properties 1000 HIGH LTV - All loans with LTVs 9501 to 9700% (HARP II Products only) HIGH LTV - All loans with LTVs 9701 to 10500% (HARP II Products only) 1000 Sub Financing: LTV <=65% & CLTV >80% <=95%, & FICO >= 720 Sub Financing: LTV <=65% & CLTV >80% <=95%, & FICO < 720 Sub Financing: LTV >65%<=75% & CLTV >80% <=95%, & FICO >= 720 Sub Financing: LTV >65%<=75% & CLTV >80% <=95%, & FICO < 720 Sub Financing: LTV >75%<=90% & CLTV >76% <=90%, & FICO >= 720 Sub Financing: LTV >75%<=90% & CLTV >76% <=90%, & FICO < Sub Financing: LTV >75%<=95% & CLTV >90% <=95%, & FICO >= 720 Sub Financing: LTV >75%<=95% & CLTV >90% <=95%, & FICO < Sub Financing: All Loans w/ CLTV > 9500% 1500 Cash Out Pricing Grid FICO >= 740 LTV <= 6000% N/A LTV % N/A LTV % N/A LTV % N/A LTV > 8500% N/A N/A N/A N/A N/A N/A N/A N/A Risk Based Pricing Grid: All Products w/ Terms > 15 Yrs FICO >= 740 LTV <= 6000% N/A () () () LTV % N/A LTV % N/A LTV % N/A LTV % N/A LTV % N/A LTV % N/A LTV % (HARP II products only) N/A LTV % (HARP II products only) N/A LTV > 10500% (HARP II products only) Please price LTV's over 10500% using our online pricing engine

5 J-F30-17 Jumbo 30 Year Fixed Non-Conforming Products - 17 J-F15-17 Note Rate 45 day Loan Amounts <= &417,000 N/A Note Rate 45 day 5250 (2250) Cash out N/A 4875 (2000) 5125 (2250) Refinance Adjuster - 30 YR Fixed & 10/1 ARM 4750 (2000) 5000 (2250) Refinance Adjuster - 15 YR Fixed (2000) 4875 (1875) Refinance Adjuster - 7/1 & 5/1 ARM (1750) 4750 (1500) 3-4 Unit (1375) 4625 (1125) NOO (not available on 5/1 ARMs) (1125) 4500 (0625) FICO w/ LTV <= 6000% (0125) 4125 () 4375 (0125) FICO w/ LTV % FICO w/ LTV % FICO w/ LTV % FICO w/ LTV <= 6000% (0125) FICO w/ LTV % FICO w/ LTV % FICO w/ LTV % FICO w/ LTV <= 6000% FICO w/ LTV % FICO w/ LTV % FICO w/ LTV % FICO w/ LTV <= 6000% FICO w/ LTV % FICO w/ LTV % FICO w/ LTV % FICO >= 780 w/ LTV <= 6000% FICO >= 780 w/ LTV % FICO >= 780 w/ LTV % FICO >= 780 w/ LTV % Minimum FICO of 700 required J-A5L-17 Jumbo 5/1 Libor Arm J-A7L-17 Jumbo 7/1 Libor Arm J-A10L-17 Note Rate 45 day Note Rate 45 day Note Rate 45 day 4125 (0875) 4250 (1250) 4750 (2125) 4000 (0625) 4125 (1000) 4625 (1750) (0625) 4500 (1500) 3750 (0125) (1125) (0875) () (0125) Please refer to guidelines to determine if the combination of loan characteristics is allowable The rate sheet pricing matrices are not meant to imply guideline approval () Page 4 of 4 PRICE ADJUSTMENTS Jumbo 15 Year Fixed 250% RATE reduction with participation in Preferred Payment Plan (monthly auto pay) Jumbo 10/1 Libor Arm