Southwest Wholesale Rate Sheet

Effective Tue 01/22/2019 9:43 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up to 95%. Southwest Wholesale Rate Sheet NV, AZ, NM Jumbo Series H is Here! - See page 16 for details. Rate Fall-Out Specials on SmartEdge, SmartCondo & Dream Big! Smart Funds Is Here! See Page 3 For Details! PRODUCT HIGHLIGHTS AGENCY GOVERNMENT JUMBO SERIES VA: 100% financing with minimum 600 FICO FHA: 3.5% down with minimum 580 FICO USDA: 100% financing with minimum 640 FICO 85% up to $1.5M and no MI with pristine credit 90% at 680 FICO for loan amounts to $850,000 (MI required) Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NewRez Lending Library in order to determine product eligibility and/or availability for a given loan scenario. MARKET MOVEMENTS Rate Today's Price Pricing Change **Market movement is a result of 30-day current pricing Rate Today's Price Pricing Change Conventional 30yr Fixed compared to the most recent rate sheet released.** Jumbo H 30 Yr Fixed 5.250 (4.408) 0.000 Bracketed Pricing Changes and green arrows indicate improved pricing. 5.250 (3.998) 0.000 5.125 (3.853) 0.000 Rate Today's Price Pricing Change 5.125 (3.623) 0.000 Conventional 15yr Fixed FHA 30yr Fixed Smart Edge 5/1 ARM 5.125 (4.469) 0.000 5.250 (4.476) 0.000 5.625 (1.524) 0.000 5.000 (4.119) 0.000 5.125 (4.083) 0.000 5.500 (1.274) 0.000 Conforming 5-1 ARM (2-2-5) VA 30yr Fixed Smart Self 5/1 ARM 4.375 (1.515) 0.000 4.750 (3.510) 0.000 5.875 (0.691) 0.000 4.250 (1.257) 0.000 4.625 (3.077) 0.000 5.750 (0.441) 0.000 TABLE OF CONTENTS Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 HELOC Piggyback SmartSeries - New Smart Funds Included! FHA, VA, & USDA - Fixed, ARM, and Jumbo Fannie Mae - Fixed Conforming and High Balance Products Freddie Mac - Fixed Conforming and Super Conforming Products Fannie Mae - HomeReady Fixed and ARM Products Fannie Mae - HomeReady High Balance Fixed and ARM Products Freddie Mac - Home Possible Fixed and ARM Products Fannie Mae - ARM Conforming and High Balance Products Freddie Mac - ARM Conforming and Super Conforming Products High Balance Extra New Penn Jumbo Series C New Penn Jumbo Series D New Penn Jumbo Series F New Penn Jumbo Series H New Penn Jumbo Series I New Penn Jumbo Series J - QM Dream Big Jumbo State Adjustments LOCK POLICIES Hours: Price release 6:59 AM EST on the following business day Pricing on-line: www.newrezwholesale.com In order to lock prior to loan submission, 3.2 file must be uploaded via our website, www.newrezwholesale.com In order to remian locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater. Lock Extension Info Expiration Dates Relock Policy 1st-3rd Extension - 2 bps/day 7 Day Extension 1/29/2019 Pricing is based on worst case pricing: current market vs locked less a relock fee. 4th Extension or more - 4 bps/day 15 Day Lock/Extension 2/6/2019 15 Day Cost < 3 Prior Ext 0.300 3 Prior Ext. 0.600 Extended loans cannot expire on a 30 Day Lock/Extension 2/21/2019 30 Day Cost < 3 Prior Ext 0.600 3 Prior Ext. 1.200 weekend or holiday. 45 Day Lock/Extension 3/8/2019 45 Day Cost < 3 Prior Ext 0.900 3 Prior Ext. 1.800 Max number of days to extend is 45 days 60 Day Lock 3/25/2019 If the market has improved by more than 50 bps and the loan is closing within 15 days, the per request. 90 Day Lock 4/22/2019 relock fee will be waived on 15 day relocks only. (Other restrictions may apply.) Fee Info Agency Loan Limits Lender Fees in NV - Conventional $995 1 Unit $484,350 Lender Fees in All Other States - Conventional $955 2 Unit $620,200 Lender Fees in All States - Jumbo & High Balance Extra $995 3 Unit $749,650 Lender Fees in All States - FHA Streamline & VA IRRRL $495 4 Unit $931,600 Lender Fees - SmartSeries Non-QM $1,295 Desk Review - LA $1MM-$1.5MM $150 Desk Review - Transferred Appraisal $150 Risk Report - Transferred Appraisal $25 Flood Fee (excluded from No Lender Fee Calculation) $6 Tax Service Fee (excluded from No Lender Fee Calculation) $80 **Lender fees must be included in block one of the initial LE. GENERAL INFORMATION Mortgagee Clause (Wholesale) NewRez LLC ISAOA ATIMA 4000 Chemical Road, Suite 200 Plymouth Meeting, PA 19462 Portfolio State Adjustment Groups Portfolio state adjustments no longer apply on the Southwest Wholesale Rate Sheet CORPORATE CONTACTS NewRez (866) 886-9285 Fax (484) 594-1998 Website Lock Desk * Rates are subject to change without notice **Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details. GoNewRez@NewRez.com NewRezWholesale.com LockRequest@NewRez.com Page 1

HELOC Rate Grid C 70.00% 70.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% - Index = Prime Rate 760+ 6.500 6.850 7.100 7.250 8.250 - Today's Index 5.500% Credit 720-759 6.750 7.100 7.350 7.450 8.500 - Interest Rate Cap 2% each year Score 680-719 7.100 7.350 8.000 8.400 9.400 - Rate Floor 3.950% Additional Information All available lock terms (15, 30, 45, and 60 day) are priced at par. - Rate Ceiling All states except CO: 16.000% CO: 12.000% - Origination Fee: $495.00 Margin Grid - Annual Fee: $75.00 - Waived for First Year C 70.00% 70.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% - 30 Year Term. 10 year Interest Only period with 20 year repayment term. Interest Only payments 760+ 1.000 1.350 1.600 1.750 2.750 during the draw period. Credit 720-759 1.250 1.600 1.850 1.950 3.000 - The rate may increase or decrease as of the first day of each Billing Cycle Score 680-719 1.600 1.850 2.500 2.900 3.900 - Not available in TX, AK, LA, HI. Pricing may vary in TN.

+ Smart Edge 5/1 Smart Edge Plus 5/1 Smart Condo 5/1 Full Doc Smart Series powered by NewRez Smart Self 5/1 Smart Self Plus 5/1 Smart Trac 5/1 Smart Funds 5/1 Full Doc Bank Statements/Asset Qualifier Pricing Effective: 1/22/2019 09:43 AM Smart Vest 5/1 Cash-Flow Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day 5.875 (2.149) (2.024) (1.899) (1.774) 6.250 (1.566) (1.441) (1.316) (1.191) 6.625 (1.748) (1.623) (1.498) (1.373) 6.750 (1.528) (1.403) (1.278) (1.153) 5.750 (1.899) (1.774) (1.649) (1.524) 6.125 (1.316) (1.191) (1.066) (0.941) 6.500 (1.498) (1.373) (1.248) (1.123) 6.625 (1.278) (1.153) (1.028) (0.903) 5.625 (1.649) (1.524) (1.399) (1.274) 5.990 (1.066) (0.941) (0.816) (0.691) 6.375 (1.248) (1.123) (0.998) (0.873) 6.500 (1.028) (0.903) (0.778) (0.653) 5.500 (1.399) (1.274) (1.149) (1.024) 5.875 (0.816) (0.691) (0.566) (0.441) 6.250 (0.998) (0.873) (0.748) (0.623) 6.375 (0.778) (0.653) (0.528) (0.403) 5.375 (1.149) (1.024) (0.899) (0.774) 5.750 (0.566) (0.441) (0.316) (0.191) 6.125 (0.748) (0.623) (0.498) (0.373) 6.250 (0.528) (0.403) (0.278) (0.153) 5.250 (0.899) (0.774) (0.649) (0.524) 5.625 (0.316) (0.191) (0.066) 0.059 5.990 (0.498) (0.373) (0.248) (0.123) 6.125 (0.278) (0.153) (0.028) 0.097 5.125 (0.649) (0.524) (0.399) (0.274) 5.500 (0.066) 0.059 0.184 0.309 5.875 (0.248) (0.123) 0.002 0.127 5.990 (0.028) 0.097 0.222 0.347 4.990 (0.399) (0.274) (0.149) (0.024) 5.375 0.184 0.309 0.434 0.559 5.750 0.002 0.127 0.252 0.377 5.875 0.222 0.347 0.472 0.597 4.875 (0.149) (0.024) 0.101 0.226 5.250 0.434 0.559 0.684 0.809 5.625 0.252 0.377 0.502 0.627 5.750 0.472 0.597 0.722 0.847 4.750 0.101 0.226 0.351 0.476 5.125 0.684 0.809 0.934 1.059 5.500 0.502 0.627 0.752 0.877 5.625 0.722 0.847 0.972 1.097 4.625 0.351 0.476 0.601 0.726 4.990 0.934 1.059 1.184 1.309 5.375 0.752 0.877 1.002 1.127 5.500 0.972 1.097 1.222 1.347 4.500 0.601 0.726 0.851 0.976 4.875 1.184 1.309 1.434 1.559 5.250 1.002 1.127 1.252 1.377 5.375 1.222 1.347 1.472 1.597 4.375 0.851 0.976 1.101 1.226 4.750 1.434 1.559 1.684 1.809 5.125 1.252 1.377 1.502 1.627 5.250 1.472 1.597 1.722 1.847 4.250 1.101 1.226 1.351 1.476 4.625 1.684 1.809 1.934 2.059 4.990 1.502 1.627 1.752 1.877 5.125 1.722 1.847 1.972 2.097 4.125 1.351 1.476 1.601 1.726 4.500 1.934 2.059 2.184 2.309 4.875 1.752 1.877 2.002 2.127 4.990 1.972 2.097 2.222 2.347 FICO/ Rate Adjustments Higher of /C -> <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 Applicable to SmartEdge & SmartSelf (with >4 year Derogatory Credit Event), SmartCondo, SmartFunds >=740 - - - - -0.125 0.000 0.125 0.375 0.875 720-739 - - - -0.125 0.000 0.125 0.500 1.000 700-719 -0.125-0.125-0.125 0.000 0.125 0.375 0.625 1.375 680-699 0.000 0.125 0.375 0.500 0.750 1.500 660-679 0.375 0.500 0.625 0.750 1.250 NA 640-659 0.500 0.500 0.500 0.750 0.875 1.250 1.625 2.625 NA 620-639 0.750 0.750 0.750 1.000 1.375 1.875 2.500 NA NA Applicable to SmartVest, SmartTrac, SmartEdge Plus, & SmartSelf Plus (Plus = 2-4 year Derogatory Credit Event) >=740 0.000 0.125 0.125 0.375 1.000 1.500 720-739 0.000 0.125 0.125 0.375 1.000 1.500 700-719 0.000 0.375 0.625 1.250 1.875 680-699 0.375 0.375 0.500 0.875 1.625 2.250 660-679 0.375 0.375 0.375 0.625 0.625 0.875 1.125 2.000 NA 640-659 0.500 0.500 0.500 0.750 0.875 1.250 1.625 2.625 NA 620-639 0.750 0.750 0.750 1.000 1.375 1.875 2.500 NA NA Other Rate Adjustments - ALL Products Higher of /C -> <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 30 Year 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 10/1 ARM Interest Only 45.01-50 DTI Edge & Condo 0.000 0.125 0.125 0.125 0.125 45.01-50 DTI Self & Trac 0.125 NOO Property* 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 NA 2-4 Units 0.125 Cash Out Refinance 0.000 0.125 0.375 0.375 0.375 NA Non-Warrantable Condos Second Home 0.125 0.125 0.125 0.125 0.125 0.125 NA Ln Amt >=100k and <300k Other Rate Adjustments - Smart Vest Prepayment not permitted in MN, NJ & NM - Must select No Prepay in these states No Prepay 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 1 Yr Prepay 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Other Rate Adjustments- Smart Funds Asset Qualifier 0.000 Adjustments to Price - All Products Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 *Does not apply to SmartVest product. Max Price ARM 7/1&10/1 ARM Index 5/1 Caps Margin Caps Lender Fee Smart Edge/Edge Plus/Condo (1.50) 3.75 1 Yr LIBOR 2/2/5 5/2/5 $1,295 - Smart Self/Self Plus/Funds (1.50) 3.75 1 Yr LIBOR 2/2/5 5/2/5 $1,295-0.500 Smart Trac (1.50) 3.75 1 Yr LIBOR 2/2/5 5/2/5 $1,295 *Adjustment to Price Smart Vest (1.50) 4.75 1 Yr LIBOR 2/2/5 5/2/5 $1,295 *Adjustment to Price Rate Fall-Out Pricing Loan Amount Special* Specials* Smart Edge, Edge Plus & Condo -* $1.5-$2MM > $2MM

FHA 30 Yr Fixed VA 30 Yr Fixed USDA 30 Yr Fixed 5.750 (5.242) (5.063) (4.993) (4.824) 5.750 (5.102) (4.923) (4.853) (4.684) 5.750 (4.367) (4.188) (4.118) (3.949) 5.625 (4.885) (4.706) (4.636) (4.467) 5.625 (4.745) (4.566) (4.496) (4.327) 5.625 (4.010) (3.831) (3.761) (3.592) 5.500 (4.509) (4.330) (4.260) (4.091) 5.500 (4.369) (4.190) (4.120) (3.951) 5.500 (3.634) (3.455) (3.385) (3.216) 5.375 (4.114) (3.934) (3.865) (3.696) 5.375 (3.974) (3.794) (3.725) (3.556) 5.375 (3.239) (3.059) (2.990) (2.821) 5.250 (4.629) (4.476) (4.433) (4.289) 5.250 (4.489) (4.336) (4.293) (4.149) 5.250 (3.754) (3.601) (3.558) (3.414) 5.125 (4.237) (4.083) (4.040) (3.896) 5.125 (4.097) (3.943) (3.900) (3.756) 5.125 (3.362) (3.208) (3.165) (3.021) 5.000 (3.823) (3.669) (3.626) (3.482) 5.000 (3.683) (3.529) (3.486) (3.342) 5.000 (2.948) (2.794) (2.751) (2.607) 4.875 (3.387) (3.233) (3.190) (3.047) 4.875 (3.247) (3.093) (3.050) (2.907) 4.875 (2.512) (2.358) (2.315) (2.172) 4.750 (3.795) (3.650) (3.616) (3.481) 4.750 (3.655) (3.510) (3.476) (3.341) 4.750 (2.920) (2.775) (2.741) (2.606) 4.625 (3.362) (3.217) (3.183) (3.048) 4.625 (3.222) (3.077) (3.043) (2.908) 4.625 (2.487) (2.342) (2.308) (2.173) 4.500 (2.882) (2.737) (2.702) (2.567) 4.500 (2.742) (2.597) (2.562) (2.427) 4.500 (2.007) (1.862) (1.827) (1.692) 4.375 (2.399) (2.254) (2.219) (2.084) 4.375 (2.259) (2.114) (2.079) (1.944) 4.375 (1.524) (1.379) (1.344) (1.209) 4.250 (2.166) (2.030) (2.003) (1.877) 4.250 (2.026) (1.890) (1.863) (1.737) 4.250 (1.291) (1.155) (1.128) (1.002) 4.125 (1.680) (1.544) (1.518) (1.392) 4.125 (1.540) (1.404) (1.378) (1.252) 4.125 (0.805) (0.669) (0.643) (0.517) 4.000 (1.195) (1.059) (1.033) (0.907) 4.000 (1.055) (0.919) (0.893) (0.767) 4.000 (0.320) (0.184) (0.158) (0.032) 3.875 (0.710) (0.574) (0.548) (0.422) 3.875 (0.570) (0.434) (0.408) (0.282) 3.875 0.165 0.301 0.327 0.453 3.750 (0.226) (0.090) (0.064) 0.062 3.750 (0.086) 0.050 0.076 0.202 3.750 0.649 0.785 0.811 0.937 3.625 0.477 0.605 0.622 0.739 3.625 0.617 0.745 0.762 0.879 3.625 1.352 1.480 1.497 1.614 3.500 0.961 1.088 1.106 1.223 3.500 1.101 1.228 1.246 1.363 3.500 1.836 1.963 1.981 2.098 3.375 1.444 1.572 1.589 1.706 3.375 1.584 1.712 1.729 1.846 3.375 2.319 2.447 2.464 2.581 3.250 1.927 2.054 2.072 2.189 3.250 2.067 2.194 2.212 2.329 3.250 2.802 2.929 2.947 3.064 3.125 3.254 3.399 3.434 3.569 3.125 3.394 3.539 3.574 3.709 3.125 4.129 4.274 4.309 4.444 3.000 3.754 3.899 3.934 4.069 3.000 3.894 4.039 4.074 4.209 3.000 4.629 4.774 4.809 4.944 2.875 4.254 4.399 4.434 4.569 2.875 4.394 4.539 4.574 4.709 2.875 5.129 5.274 5.309 5.444 2.750 4.754 4.899 4.934 5.069 2.750 4.894 5.039 5.074 5.209 2.750 5.629 5.774 5.809 5.944 FHA 15 Yr Fixed VA 15 Yr Fixed FHA High Balance 30 Yr Fixed 4.250 (1.668) (1.525) (1.491) (1.358) 4.250 (1.416) (1.273) (1.239) (1.106) 5.750 (3.222) (3.043) (2.973) (2.804) 4.125 (1.397) (1.254) (1.220) (1.087) 4.125 (1.145) (1.002) (0.968) (0.835) 5.625 (2.865) (2.686) (2.616) (2.447) 4.000 (1.138) (0.995) (0.961) (0.828) 4.000 (0.886) (0.743) (0.709) (0.576) 5.500 (2.489) (2.310) (2.240) (2.071) 3.875 (0.841) (0.698) (0.664) (0.531) 3.875 (0.589) (0.446) (0.412) (0.279) 5.375 (2.094) (1.914) (1.845) (1.676) 3.750 (0.538) (0.395) (0.361) (0.228) 3.750 (0.286) (0.143) (0.109) 0.024 5.250 (3.297) (3.143) (3.100) (2.957) 3.625 0.443 0.570 0.586 0.703 3.625 0.695 0.822 0.838 0.955 5.125 (2.904) (2.751) (2.707) (2.564) 3.500 0.727 0.854 0.871 0.987 3.500 0.979 1.106 1.123 1.239 5.000 (2.490) (2.337) (2.293) (2.150) 3.375 1.064 1.191 1.207 1.324 3.375 1.316 1.443 1.459 1.576 4.875 (2.054) (1.901) (1.857) (1.714) 3.250 1.401 1.528 1.544 1.661 3.250 1.653 1.780 1.796 1.913 4.750 (2.650) (2.505) (2.471) (2.336) 3.125 2.411 2.529 2.538 2.646 3.125 2.663 2.781 2.790 2.898 4.625 (2.217) (2.072) (2.038) (1.903) 3.000 2.757 2.875 2.883 2.992 3.000 3.009 3.127 3.135 3.244 4.500 (1.737) (1.592) (1.557) (1.422) 2.875 3.114 3.232 3.240 3.349 2.875 3.366 3.484 3.492 3.601 4.375 (1.254) (1.109) (1.074) (0.939) 2.750 3.471 3.589 3.597 3.706 2.750 3.723 3.841 3.849 3.958 4.250 (1.146) (1.010) (0.983) (0.857) 2.625 4.548 4.700 4.741 4.883 2.625 4.800 4.952 4.993 5.135 4.125 (0.660) (0.524) (0.498) (0.372) 2.500 4.905 5.057 5.098 5.240 2.500 5.157 5.309 5.350 5.492 4.000 (0.175) (0.039) (0.013) 0.113 2.375 5.262 5.414 5.455 5.597 2.375 5.514 5.666 5.707 5.849 3.875 0.310 0.446 0.472 0.598 2.250 5.619 5.771 5.812 5.954 2.250 5.871 6.023 6.064 6.206 3.750 0.670 0.797 0.814 0.932 VA High Balance 30 Yr Fixed FHA 5-1 ARM (1-1-5 Caps) VA 5-1 ARM (1-1-5 Caps) 5.750 (3.057) (2.878) (2.808) (2.639) 4.125 (0.117) 0.113 0.263 0.413 4.125 0.083 0.313 0.463 0.613 5.625 (2.700) (2.521) (2.451) (2.282) 4.000 0.057 0.287 0.437 0.587 4.000 0.257 0.487 0.637 0.787 5.500 (2.324) (2.145) (2.075) (1.906) 3.875 0.231 0.461 0.611 0.761 3.875 0.431 0.661 0.811 0.961 5.375 (1.929) (1.749) (1.680) (1.511) 3.750 0.405 0.635 0.785 0.935 3.750 0.605 0.835 0.985 1.135 5.250 (3.132) (2.978) (2.935) (2.792) 3.625 0.711 0.941 1.091 1.241 3.625 0.911 1.141 1.291 1.441 5.125 (2.739) (2.586) (2.542) (2.399) 3.500 1.078 1.308 1.458 1.608 3.500 1.278 1.508 1.658 1.808 5.000 (2.325) (2.172) (2.128) (1.985) 3.375 1.445 1.675 1.825 1.975 3.375 1.645 1.875 2.025 2.175 4.875 (1.889) (1.736) (1.692) (1.549) 3.250 1.812 2.042 2.192 2.342 3.250 2.012 2.242 2.392 2.542 4.750 (2.485) (2.340) (2.306) (2.171) 3.125 2.801 3.031 3.181 3.331 3.125 3.001 3.231 3.381 3.531 4.625 (2.052) (1.907) (1.873) (1.738) 3.000 3.396 3.626 3.776 3.926 3.000 3.596 3.826 3.976 4.126 4.500 (1.572) (1.427) (1.392) (1.257) 2.875 3.990 4.220 4.370 4.520 2.875 4.190 4.420 4.570 4.720 4.375 (1.089) (0.944) (0.909) (0.774) 2.750 4.585 4.815 4.965 5.115 2.750 4.785 5.015 5.165 5.315 4.250 (0.981) (0.845) (0.818) (0.692) 4.125 (0.495) (0.359) (0.333) (0.207) 4.000 (0.010) 0.126 0.152 0.278 3.875 0.475 0.611 0.637 0.763 3.750 0.835 0.962 0.979 1.097 FHA 5-1 ARM High Balance (1-1-5 Caps) VA 5-1 ARM High Balance (1-1-5 Caps) 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 4.125 0.138 0.368 0.518 0.668 4.125 0.303 0.533 0.683 0.833 4.000 0.312 0.542 0.692 0.842 4.000 0.477 0.707 0.857 1.007 3.875 0.486 0.716 0.866 1.016 3.875 0.651 0.881 1.031 1.181 3.750 0.660 0.890 1.040 1.190 3.750 0.825 1.055 1.205 1.355 3.625 0.966 1.196 1.346 1.496 3.625 1.131 1.361 1.511 1.661 3.500 1.333 1.563 1.713 1.863 3.500 1.498 1.728 1.878 2.028 3.375 1.700 1.930 2.080 2.230 3.375 1.865 2.095 2.245 2.395 3.250 2.067 2.297 2.447 2.597 3.250 2.232 2.462 2.612 2.762 3.125 3.056 3.286 3.436 3.586 3.125 3.221 3.451 3.601 3.751 3.000 3.651 3.881 4.031 4.181 3.000 3.816 4.046 4.196 4.346 2.875 4.245 4.475 4.625 4.775 2.875 4.410 4.640 4.790 4.940 2.750 4.840 5.070 5.220 5.370 2.750 5.005 5.235 5.385 5.535 Credit Score Government Products Loan Level Price Adjustments < 580 4.000 30, 45 & 60 Day Lock Purchase Special (0.375) 580-599 2.000 FHA Refinances 0.000 600-619 1.250 FHA/VA ARM <660 0.750 620-639 1.000 90 Day Lock (FRM & Purch Only) 0.500 640-659 0.125 VA Cashout >95 660-679 (0.125) VA - Refinance Credit Score 620 0.125 680-699 (0.500) VA - All Loan Purposes - Credit Score < 620 700-719 (0.500) VA - IRRRL - Investment Property 0.750 720 (0.625) Manufactured Home (FHA Only) 0.875 Loan Size Adjustments Loan Size Adjustments for VA BPC Loans (In addition to standard adjustments) Loan Amount <$50,000 $50,000 - $99,999 $100,000 - $199,999 $200,000 - $299,999 $300,000 - Conforming Limit High Balance < $100,000 $100,000-$199,999 $200,000-$299,999 $300,000-$399,999 $400,000 Purchase Refinance 1.000 0.875 (0.375) (0.375) (0.375) (0.375) 0.400 0.400 High Balance - 15 Yr Term (Adjusting 15 Yr Conforming Pricing - FHA/VA ONLY Margin on all Government ARMs 0.280 0.280 0.220 0.220 0.190 0.190 Fixed Max YSP 0.150 0.150 ARM 2.500 2.00% -6.000-3.000 Govt Special VA IRRRL/FHA Streamline ONLY (0.150) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. *FHA Lender ID: 2557400002 *VA Lender ID: 6001710000 Page 4

Fannie Mae - Conforming Fixed Rate Products Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed 6.375 (6.997) (6.750) (6.682) (6.454) 6.000 (6.213) (6.004) (5.958) (5.765) 5.875 (5.802) (5.593) (5.537) (5.345) 6.250 (6.861) (6.667) (6.595) (6.428) 5.875 (5.983) (5.774) (5.722) (5.529) 5.750 (5.518) (5.324) (5.240) (5.057) 6.125 (6.592) (6.398) (6.326) (6.159) 5.750 (5.756) (5.563) (5.490) (5.323) 5.625 (5.250) (5.073) (5.011) (4.853) 6.000 (6.213) (6.004) (5.958) (5.765) 5.625 (5.434) (5.257) (5.207) (5.065) 5.500 (5.082) (4.905) (4.844) (4.685) 5.875 (5.983) (5.775) (5.722) (5.541) 5.500 (5.202) (5.013) (4.998) (4.824) 5.375 (4.859) (4.682) (4.620) (4.462) 5.750 (5.756) (5.563) (5.490) (5.323) 5.375 (4.938) (4.749) (4.726) (4.552) 5.250 (4.658) (4.481) (4.420) (4.261) 5.625 (5.434) (5.257) (5.207) (5.065) 5.250 (4.597) (4.408) (4.386) (4.212) 5.125 (4.197) (4.020) (3.958) (3.812) 5.500 (5.202) (5.013) (4.998) (4.824) 5.125 (4.022) (3.853) (3.806) (3.664) 5.000 (4.026) (3.883) (3.849) (3.716) 5.375 (4.938) (4.749) (4.726) (4.552) 5.000 (3.932) (3.762) (3.753) (3.597) 4.875 (3.852) (3.708) (3.675) (3.541) 5.250 (4.597) (4.408) (4.386) (4.212) 4.875 (3.591) (3.421) (3.419) (3.263) 4.750 (3.437) (3.294) (3.260) (3.127) 5.125 (4.022) (3.853) (3.806) (3.664) 4.750 (3.100) (2.929) (2.907) (2.751) 4.625 (2.989) (2.845) (2.812) (2.678) 5.000 (3.932) (3.762) (3.753) (3.597) 4.625 (2.512) (2.342) (2.308) (2.152) 4.500 (2.438) (2.295) (2.261) (2.128) 4.990 (3.768) (3.624) (3.591) (3.457) 4.500 (2.005) (1.853) (1.837) (1.698) 4.375 (2.087) (1.943) (1.910) (1.776) 4.875 (3.591) (3.421) (3.419) (3.263) 4.375 (1.532) (1.388) (1.355) (1.222) 4.250 (1.637) (1.494) (1.460) (1.327) 4.830 (3.215) (3.072) (3.038) (2.905) 4.250 (1.011) (0.867) (0.834) (0.700) 4.125 (1.099) (0.956) (0.922) (0.789) 4.750 (3.100) (2.929) (2.907) (2.751) 4.125 (0.375) (0.231) (0.198) (0.064) 4.000 (0.509) (0.365) (0.332) (0.198) 4.700 (2.703) (2.560) (2.526) (2.393) 4.000 0.202 0.335 0.360 0.481 3.875 0.150 0.294 0.327 0.461 4.625 (2.512) (2.342) (2.308) (2.152) 3.875 0.976 1.109 1.137 1.259 3.750 0.909 1.053 1.086 1.220 4.580 (2.209) (2.066) (2.032) (1.899) 3.750 1.529 1.662 1.691 1.813 3.625 1.655 1.798 1.837 1.979 4.500 (2.025) (1.882) (1.848) (1.715) 3.625 2.118 2.251 2.281 2.403 3.500 2.961 3.094 3.157 3.279 4.450 (1.870) (1.726) (1.693) (1.559) 3.500 3.098 3.231 3.262 3.384 3.375 3.810 3.943 4.004 4.126 4.375 (1.562) (1.418) (1.385) (1.251) 3.375 4.132 4.265 4.295 4.417 3.250 4.688 4.821 4.882 5.003 4.330 (1.381) (1.238) (1.204) (1.071) 4.250 (1.020) (0.876) (0.843) (0.709) 4.125 (0.366) (0.222) (0.189) (0.055) 4.000 0.202 0.335 0.360 0.481 Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance 5.625 (3.371) (3.161) (3.111) (2.917) 5.625 (3.141) (2.931) (2.881) (2.687) 5.875 (4.345) (4.168) (4.101) (3.934) 5.500 (2.980) (2.769) (2.718) (2.524) 5.500 (2.750) (2.539) (2.488) (2.294) 5.750 (3.889) (3.712) (3.645) (3.478) 5.375 (4.419) (4.230) (4.164) (3.989) 5.375 (4.189) (4.000) (3.934) (3.759) 5.625 (4.203) (4.051) (4.009) (3.867) 5.250 (4.178) (3.989) (3.924) (3.750) 5.250 (3.948) (3.759) (3.694) (3.520) 5.500 (4.073) (3.921) (3.879) (3.738) 5.125 (4.612) (4.469) (4.435) (4.302) 5.125 (3.853) (3.710) (3.676) (3.543) 5.375 (3.749) (3.597) (3.556) (3.414) 5.000 (4.262) (4.119) (4.085) (3.952) 5.000 (3.618) (3.475) (3.441) (3.308) 5.250 (3.279) (3.128) (3.086) (2.944) 4.875 (3.903) (3.760) (3.727) (3.593) 4.875 (3.574) (3.405) (3.422) (3.267) 5.125 (3.101) (2.957) (2.924) (2.790) 4.750 (3.528) (3.385) (3.351) (3.218) 4.750 (3.417) (3.248) (3.270) (3.115) 5.000 (2.927) (2.783) (2.750) (2.616) 4.625 (3.865) (3.714) (3.681) (3.547) 4.625 (3.049) (2.906) (2.872) (2.739) 4.875 (2.548) (2.404) (2.371) (2.237) 4.500 (3.318) (3.174) (3.141) (3.007) 4.500 (2.799) (2.655) (2.622) (2.488) 4.750 (2.030) (1.887) (1.853) (1.720) 4.375 (2.941) (2.797) (2.764) (2.631) 4.375 (2.907) (2.757) (2.706) (2.569) 4.625 (1.437) (1.294) (1.260) (1.127) 4.250 (2.554) (2.410) (2.377) (2.244) 4.250 (2.532) (2.382) (2.325) (2.187) 4.500 (1.202) (1.059) (1.025) (0.892) 4.125 (2.252) (2.126) (2.109) (1.992) 4.125 (2.224) (2.074) (2.012) (1.875) 4.375 (0.778) (0.635) (0.601) (0.468) 4.000 (1.762) (1.618) (1.585) (1.451) 4.000 (1.727) (1.584) (1.550) (1.417) 4.250 (0.198) (0.055) (0.022) 0.112 3.875 (1.287) (1.160) (1.144) (1.027) 3.875 (1.434) (1.290) (1.257) (1.125) 4.125 0.466 0.610 0.643 0.777 3.750 (0.865) (0.739) (0.722) (0.605) 3.750 (1.127) (0.984) (0.950) (0.817) 4.000 1.198 1.342 1.375 1.509 3.625 (0.478) (0.352) (0.335) (0.218) 3.625 (0.380) () (0.219) (0.100) 3.990 1.298 1.442 1.475 1.609 3.500 0.011 0.138 0.154 0.271 3.500 (0.010) 0.117 0.133 3.875 1.987 2.131 2.164 2.298 3.375 0.500 0.626 0.643 0.760 3.375 0.316 0.443 0.460 0.577 3.750 2.830 2.974 3.007 3.141 3.250 1.019 1.146 1.163 1.280 3.250 0.666 0.793 0.809 0.926 3.125 1.485 1.604 1.612 1.720 3.125 1.527 1.646 1.654 1.762 3.000 2.016 2.134 2.143 2.251 3.000 1.868 1.986 1.994 2.103 2.990 2.060 2.178 2.187 2.295 2.990 1.897 2.015 2.024 2.132 2.875 2.545 2.663 2.671 2.780 2.875 2.228 2.346 2.354 2.463 2.750 3.100 3.219 3.227 3.335 2.750 2.592 2.710 2.719 2.827 Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance 5.875 (4.370) (4.193) (4.126) (3.959) 5.875 (3.740) (3.643) (3.576) (3.409) 5.750 (3.914) (3.737) (3.670) (3.503) 5.750 (3.284) (3.187) (3.120) (2.953) 5.625 (4.228) (4.076) (4.034) (3.892) 5.625 (3.412) (3.340) (3.298) (3.157) 5.500 (4.098) (3.946) (3.904) (3.763) 5.500 (3.415) (3.343) (3.301) (3.159) 4.625 (1.981) (1.838) (1.804) (1.671) 5.375 (3.774) (3.622) (3.581) (3.439) 5.375 (3.144) (3.072) (3.031) (2.889) 4.500 (1.655) (1.512) (1.478) (1.345) 5.250 (3.304) (3.153) (3.111) (2.969) 5.250 (2.674) (2.603) (2.561) (2.419) 4.375 (1.318) (1.174) (1.141) (1.007) 5.125 (3.126) (2.982) (2.949) (2.815) 5.125 (2.310) (2.246) (2.213) (2.079) 4.250 (0.970) (0.827) (0.793) (0.660) 5.000 (2.952) (2.808) (2.775) (2.641) 5.000 (2.269) (2.205) (2.172) (2.038) 4.125 (0.872) (0.746) (0.729) (0.612) 4.875 (2.573) (2.429) (2.396) (2.262) 4.875 (1.943) (1.879) (1.846) (1.712) 4.000 (0.507) (0.380) (0.363) (0.247) 4.750 (2.055) (1.912) (1.878) (1.745) 4.750 (1.425) (1.362) (1.328) (1.195) 3.875 (0.133) (0.006) 0.011 0.128 4.625 (1.462) (1.319) (1.285) (1.152) 4.625 (0.832) (0.769) (0.735) (0.602) 3.750 0.376 0.393 0.510 4.500 (1.227) (1.084) (1.050) (0.917) 4.500 (0.544) (0.481) (0.447) (0.314) 3.625 0.541 0.660 0.668 0.776 4.375 (0.803) (0.660) (0.626) (0.493) 4.375 (0.173) (0.110) (0.076) 0.057 3.500 0.926 1.045 1.053 1.161 4.250 (0.223) (0.080) (0.047) 0.087 4.250 0.407 0.470 0.503 0.637 3.375 1.318 1.436 1.445 1.553 4.125 0.441 0.585 0.618 0.752 4.125 1.071 1.135 1.168 1.302 3.250 1.715 1.833 1.841 1.950 4.000 1.173 1.317 1.350 1.484 4.000 1.803 1.867 1.900 2.034 3.125 2.116 2.234 2.243 2.351 3.875 1.962 2.106 2.139 2.273 3.875 2.592 2.656 2.689 2.823 3.000 2.526 2.644 2.652 2.761 3.750 2.805 2.949 2.982 3.116 3.750 3.435 3.499 3.532 3.666 2.875 2.947 3.066 3.074 3.182 2.750 3.391 3.509 3.518 3.626 Fannie Mae 10yr High Balance 15 Day 30 Day 45 Day 60 Day 4.625 (1.418) (1.274) (1.241) (1.107) 4.500 (1.011) (0.868) (0.834) (0.701) 4.375 (0.789) (0.645) (0.612) (0.478) 4.250 (0.556) (0.413) (0.379) (0.246) 4.125 (0.400) (0.257) (0.223) (0.090) 4.000 (0.045) 0.099 0.132 0.266 3.875 0.339 0.483 0.516 0.650 3.750 0.664 0.790 0.807 0.924 3.625 0.895 1.022 1.038 1.155 3.500 1.256 1.383 1.400 1.517 3.375 1.652 1.778 1.795 1.912 3.250 2.073 2.200 2.217 2.333 3.125 2.364 2.483 2.491 2.599 3.000 2.756 2.874 2.882 2.991 2.875 3.177 3.296 3.304 3.412 2.750 3.621 3.739 3.748 3.856 Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97 NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 Lender Paid MI Adj. Cash-Out Premium Subordinate Financing Excludes Community Seconds Misc Non Owner Occupied 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800 Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA NA NA 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 2nd Home NA 1.350 1.270 1.230 0.700 0.700 0.490 0.390 0.360 0.360 0.360 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Non Owner Occupied NA 2.630 2.630 2.630 1.750 1.750 1.330 1.190 1.190 1.190 1.190 20 Yr Term > 20 Yr Term 85 NA 0.550 0.470 0.450 0.450 0.400 0.350 0.330 0.330 0.330 0.330 85.01-90 NA 1.350 1.300 1.270 0.950 0.800 0.670 0.550 0.390 0.390 0.390 90.01-95 NA 2.910 2.700 2.100 1.800 1.400 1.250 1.050 0.750 0.750 0.750 95.01-97 NA 4.540 4.210 3.670 2.640 2.240 1.880 1.540 1.070 1.070 1.070 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 5.700 5.140 4.580 2.650 2.470 2.010 1.680 1.390 1.390 1.390 95.01-97 NA 7.350 6.710 6.190 4.610 3.710 3.110 2.440 1.690 1.690 1.690 C < 720 720 Loan Amount Purchase Refinance 65 80.01-95 0.500 <$50,000 1.250 1.250 65.01-75 80.01-95 0.750 0.500 $50,000 - $99,999 75.01-95 90.01-95 1.000 0.750 $100,000 - $149,999 75.01-90 76.01-90 1.000 0.750 Loan Size $150,000 - $199,999 95 95.01-97 1.500 1.500 $200,000 - $249,999 ALL ALL 0.375 0.375 $250,000 - $299,999 2-4 Units 1.000 $300,000 - Conforming Limit Manufactured Home 0.875 High Balance Attached Condo > 75 (>15yr Term) Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) <= 75 0.750 0.000 2.125 Low to Moderate Income** (0.500) 75.01-80 3.375 > 80 4.125 30, 45 & 60 Day Lock Purchase () *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 5 90 Day Lock (FRM & Purch Only) 0.500 High Balance Adjustments Purch - R/T Refi. C/O Refi. Max YSP -6.000 1.000

Freddie Mac - Conforming Fixed Rate Products Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed 6.375 (6.997) (6.750) (6.682) (6.454) 6.000 (6.213) (6.004) (5.958) (5.765) 5.875 (5.802) (5.593) (5.537) (5.345) 6.250 (6.861) (6.667) (6.595) (6.428) 5.875 (5.983) (5.774) (5.722) (5.529) 5.750 (5.518) (5.324) (5.240) (5.057) 6.125 (6.592) (6.398) (6.326) (6.159) 5.750 (5.756) (5.563) (5.490) (5.323) 5.625 (5.250) (5.073) (5.011) (4.853) 6.000 (6.213) (6.004) (5.958) (5.765) 5.625 (5.434) (5.257) (5.207) (5.065) 5.500 (5.082) (4.905) (4.844) (4.685) 5.875 (5.983) (5.775) (5.722) (5.541) 5.500 (5.202) (5.013) (4.998) (4.824) 5.375 (4.859) (4.682) (4.620) (4.462) 5.750 (5.756) (5.563) (5.490) (5.323) 5.375 (4.938) (4.749) (4.726) (4.552) 5.250 (4.658) (4.481) (4.420) (4.261) 5.625 (5.434) (5.257) (5.207) (5.065) 5.250 (4.597) (4.408) (4.386) (4.212) 5.125 (4.197) (4.020) (3.958) (3.812) 5.500 (5.202) (5.013) (4.998) (4.824) 5.125 (4.022) (3.853) (3.806) (3.664) 5.000 (4.026) (3.883) (3.849) (3.716) 5.375 (4.938) (4.749) (4.726) (4.552) 5.000 (3.932) (3.762) (3.753) (3.597) 4.875 (3.852) (3.708) (3.675) (3.541) 5.250 (4.597) (4.408) (4.386) (4.212) 4.875 (3.591) (3.421) (3.419) (3.263) 4.750 (3.437) (3.294) (3.260) (3.127) 5.125 (4.022) (3.853) (3.806) (3.664) 4.750 (3.100) (2.929) (2.907) (2.751) 4.625 (2.989) (2.845) (2.812) (2.678) 5.000 (3.932) (3.762) (3.753) (3.597) 4.625 (2.512) (2.342) (2.308) (2.152) 4.500 (2.438) (2.295) (2.261) (2.128) 4.990 (3.768) (3.624) (3.591) (3.457) 4.500 (2.005) (1.853) (1.837) (1.698) 4.375 (2.087) (1.943) (1.910) (1.776) 4.875 (3.591) (3.421) (3.419) (3.263) 4.375 (1.532) (1.388) (1.355) (1.222) 4.250 (1.637) (1.494) (1.460) (1.327) 4.830 (3.215) (3.072) (3.038) (2.905) 4.250 (1.011) (0.867) (0.834) (0.700) 4.125 (1.099) (0.956) (0.922) (0.789) 4.750 (3.100) (2.929) (2.907) (2.751) 4.125 (0.375) (0.231) (0.198) (0.064) 4.000 (0.509) (0.365) (0.332) (0.198) 4.700 (2.703) (2.560) (2.526) (2.393) 4.000 0.202 0.335 0.360 0.481 3.875 0.150 0.294 0.327 0.461 4.625 (2.512) (2.342) (2.308) (2.152) 3.875 0.976 1.109 1.137 1.259 3.750 0.909 1.053 1.086 1.220 4.580 (2.209) (2.066) (2.032) (1.899) 3.750 1.529 1.662 1.691 1.813 3.625 1.655 1.798 1.837 1.979 4.500 (2.025) (1.882) (1.848) (1.715) 3.625 2.118 2.251 2.281 2.403 3.500 2.961 3.094 3.157 3.279 4.450 (1.870) (1.726) (1.693) (1.559) 3.500 3.098 3.231 3.262 3.384 3.375 3.810 3.943 4.004 4.126 4.375 (1.562) (1.418) (1.385) (1.251) 3.375 4.132 4.265 4.295 4.417 3.250 4.688 4.821 4.882 5.003 4.330 (1.381) (1.238) (1.204) (1.071) 4.250 (1.020) (0.876) (0.843) (0.709) 4.125 (0.366) (0.222) (0.189) (0.055) 4.000 0.202 0.335 0.360 0.481 Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming 5.625 (3.371) (3.161) (3.111) (2.917) 5.625 (3.141) (2.931) (2.881) (2.687) 5.875 (4.345) (4.168) (4.101) (3.934) 5.500 (2.980) (2.769) (2.718) (2.524) 5.500 (2.750) (2.539) (2.488) (2.294) 5.750 (3.889) (3.712) (3.645) (3.478) 5.375 (4.419) (4.230) (4.164) (3.989) 5.375 (4.189) (4.000) (3.934) (3.759) 5.625 (4.203) (4.051) (4.009) (3.867) 5.250 (4.178) (3.989) (3.924) (3.750) 5.250 (3.948) (3.759) (3.694) (3.520) 5.500 (4.073) (3.921) (3.879) (3.738) 5.125 (4.612) (4.469) (4.435) (4.302) 5.125 (3.853) (3.710) (3.676) (3.543) 5.375 (3.749) (3.597) (3.556) (3.414) 5.000 (4.262) (4.119) (4.085) (3.952) 5.000 (3.618) (3.475) (3.441) (3.308) 5.250 (3.279) (3.128) (3.086) (2.944) 4.875 (3.903) (3.760) (3.727) (3.593) 4.875 (3.574) (3.405) (3.422) (3.267) 5.125 (3.101) (2.957) (2.924) (2.790) 4.750 (3.528) (3.385) (3.351) (3.218) 4.750 (3.417) (3.248) (3.270) (3.115) 5.000 (2.927) (2.783) (2.750) (2.616) 4.625 (3.865) (3.714) (3.681) (3.547) 4.625 (3.049) (2.906) (2.872) (2.739) 4.875 (2.548) (2.404) (2.371) (2.237) 4.500 (3.318) (3.174) (3.141) (3.007) 4.500 (2.799) (2.655) (2.622) (2.488) 4.750 (2.030) (1.887) (1.853) (1.720) 4.375 (2.941) (2.797) (2.764) (2.631) 4.375 (2.907) (2.757) (2.706) (2.569) 4.625 (1.437) (1.294) (1.260) (1.127) 4.250 (2.554) (2.410) (2.377) (2.244) 4.250 (2.532) (2.382) (2.325) (2.187) 4.500 (1.202) (1.059) (1.025) (0.892) 4.125 (2.252) (2.126) (2.109) (1.992) 4.125 (2.224) (2.074) (2.012) (1.875) 4.375 (0.778) (0.635) (0.601) (0.468) 4.000 (1.762) (1.618) (1.585) (1.451) 4.000 (1.727) (1.584) (1.550) (1.417) 4.250 (0.198) (0.055) (0.022) 0.112 3.875 (1.287) (1.160) (1.144) (1.027) 3.875 (1.434) (1.290) (1.257) (1.125) 4.125 0.466 0.610 0.643 0.777 3.750 (0.865) (0.739) (0.722) (0.605) 3.750 (1.127) (0.984) (0.950) (0.817) 4.000 1.198 1.342 1.375 1.509 3.625 (0.478) (0.352) (0.335) (0.218) 3.625 (0.380) () (0.219) (0.100) 3.990 1.298 1.442 1.475 1.609 3.500 0.011 0.138 0.154 0.271 3.500 (0.010) 0.117 0.133 3.875 1.987 2.131 2.164 2.298 3.375 0.500 0.626 0.643 0.760 3.375 0.316 0.443 0.460 0.577 3.750 2.830 2.974 3.007 3.141 3.250 1.019 1.146 1.163 1.280 3.250 0.666 0.793 0.809 0.926 3.125 1.485 1.604 1.612 1.720 3.125 1.527 1.646 1.654 1.762 3.000 2.016 2.134 2.143 2.251 3.000 1.868 1.986 1.994 2.103 2.990 2.060 2.178 2.187 2.295 2.990 1.897 2.015 2.024 2.132 2.875 2.545 2.663 2.671 2.780 2.875 2.228 2.346 2.354 2.463 2.750 3.100 3.219 3.227 3.335 2.750 2.592 2.710 2.719 2.827 Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming 5.875 (4.370) (4.193) (4.126) (3.959) 5.875 (4.120) (3.943) (3.876) (3.709) 5.750 (3.914) (3.737) (3.670) (3.503) 5.750 (3.664) (3.487) (3.420) (3.253) 5.625 (4.228) (4.076) (4.034) (3.892) 5.625 (3.792) (3.640) (3.598) (3.457) 5.500 (4.098) (3.946) (3.904) (3.763) 5.500 (3.795) (3.643) (3.601) (3.459) 4.625 (1.981) (1.838) (1.804) (1.671) 5.375 (3.774) (3.622) (3.581) (3.439) 5.375 (3.524) (3.372) (3.331) (3.189) 4.500 (1.655) (1.512) (1.478) (1.345) 5.250 (3.304) (3.153) (3.111) (2.969) 5.250 (3.054) (2.903) (2.861) (2.719) 4.375 (1.318) (1.174) (1.141) (1.007) 5.125 (3.126) (2.982) (2.949) (2.815) 5.125 (2.690) (2.546) (2.513) (2.379) 4.250 (0.970) (0.827) (0.793) (0.660) 5.000 (2.952) (2.808) (2.775) (2.641) 5.000 (2.649) (2.505) (2.472) (2.338) 4.125 (0.872) (0.746) (0.729) (0.612) 4.875 (2.573) (2.429) (2.396) (2.262) 4.875 (2.323) (2.179) (2.146) (2.012) 4.000 (0.507) (0.380) (0.363) (0.247) 4.750 (2.055) (1.912) (1.878) (1.745) 4.750 (1.805) (1.662) (1.628) (1.495) 3.875 (0.133) (0.006) 0.011 0.128 4.625 (1.462) (1.319) (1.285) (1.152) 4.625 (1.212) (1.069) (1.035) (0.902) 3.750 0.376 0.393 0.510 4.500 (1.227) (1.084) (1.050) (0.917) 4.500 (0.924) (0.781) (0.747) (0.614) 3.625 0.541 0.660 0.668 0.776 4.375 (0.803) (0.660) (0.626) (0.493) 4.375 (0.553) (0.410) (0.376) (0.243) 3.500 0.926 1.045 1.053 1.161 4.250 (0.223) (0.080) (0.047) 0.087 4.250 0.027 0.170 0.203 0.337 3.375 1.318 1.436 1.445 1.553 4.125 0.441 0.585 0.618 0.752 4.125 0.691 0.835 0.868 1.002 3.250 1.715 1.833 1.841 1.950 4.000 1.173 1.317 1.350 1.484 4.000 1.423 1.567 1.600 1.734 3.125 2.116 2.234 2.243 2.351 3.875 1.962 2.106 2.139 2.273 3.875 2.212 2.356 2.389 2.523 3.000 2.526 2.644 2.652 2.761 3.750 2.805 2.949 2.982 3.116 3.750 3.055 3.199 3.232 3.366 2.875 2.947 3.066 3.074 3.182 2.750 3.391 3.509 3.518 3.626 Freddie Mac 10yr Super Conforming 15 Day 30 Day 45 Day 60 Day 4.625 (1.418) (1.274) (1.241) (1.107) 4.500 (1.011) (0.868) (0.834) (0.701) 4.375 (0.789) (0.645) (0.612) (0.478) 4.250 (0.556) (0.413) (0.379) (0.246) 4.125 (0.400) (0.257) (0.223) (0.090) 4.000 (0.045) 0.099 0.132 0.266 3.875 0.339 0.483 0.516 0.650 3.750 0.664 0.790 0.807 0.924 3.625 0.895 1.022 1.038 1.155 3.500 1.256 1.383 1.400 1.517 3.375 1.652 1.778 1.795 1.912 3.250 2.073 2.200 2.217 2.333 3.125 2.364 2.483 2.491 2.599 3.000 2.756 2.874 2.882 2.991 2.875 3.177 3.296 3.304 3.412 2.750 3.621 3.739 3.748 3.856 Loan Level Price Adjustments All Fixed Conforming (does not apply to terms <=15yrs) Cash-Out < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97 NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 80.01-85 NA NA NA NA NA NA NA 1.500 1.500 Lender Paid MI Adj. Premium < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800 Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA NA NA 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 2nd Home NA 1.350 1.270 1.230 0.700 0.700 0.490 0.390 0.360 0.360 0.360 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Non Owner Occupied NA 2.630 2.630 2.630 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Cash Out NA NA NA NA NA NA NA 0.600 0.540 0.540 0.540 85 NA 0.550 0.470 0.450 0.450 0.400 0.350 0.330 0.330 0.330 0.330 20 Yr 85.01-90 NA 1.350 1.300 1.270 0.950 0.800 0.670 0.550 0.390 0.390 0.390 Term 90.01-95 NA 2.910 2.700 2.100 1.800 1.400 1.250 1.050 0.750 0.750 0.750 95.01-97 NA 4.540 4.210 3.670 2.640 2.240 1.880 1.540 1.070 1.070 1.070 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 > 20 Yr 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 Term 90.01-95 NA 5.700 5.140 4.580 2.650 2.470 2.010 1.680 1.390 1.390 1.390 95.01-97 NA 7.350 6.710 6.190 4.610 3.710 3.110 2.440 1.690 1.690 1.690 Number Of Units Subordinate Financing Misc Non Owner Occupied 80 80.01-85 > 85 Loan Amount Purchase Refinance 2 Units 1.000 1.000 1.000 <$50,000 1.250 1.250 3-4 units 1.000 1.500 2.000 $50,000 - $99,999 C < 720 720 $100,000 - $149,999 75 80 0.375 0.375 Loan Size $150,000 - $199,999 65 80.01-95 0.875 0.625 $200,000 - $249,999 65.01-75 80.01-95 1.125 0.875 $250,000 - $299,999 75.01-95 76.01-95 1.375 1.125 $300,000 - Conforming Limit Condo > 75 (>15yr Term) 0.750 High Balance Escrow Waiver (Full or Taxes Only) Purch - R/T Refi Super Conforming Adjustments Escrow Waiver (Insurance Only) 0.000 C/O Refi 1.000 Manufactured Home (High Bal - Not Permitted) <= 75 0.875 2.125 75.01-80 > 80 3.375 4.125 Low to Moderate Income** (0.500) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 6 30, 45 & 60 Day Lock Purchase Special () 90 Day Lock (FRM & Purch Only) 0.500 Max YSP -6.000

6.375 (6.947) (6.700) (6.632) (6.404) 6.000 (6.163) (5.954) (5.908) (5.715) 5.875 (5.752) (5.543) (5.487) (5.295) 6.250 (6.811) (6.617) (6.545) (6.378) 5.875 (5.933) (5.724) (5.672) (5.479) 5.750 (5.468) (5.274) (5.190) (5.007) 6.125 (6.542) (6.348) (6.276) (6.109) 5.750 (5.706) (5.513) (5.440) (5.273) 5.625 (5.200) (5.023) (4.961) (4.803) 6.000 (6.163) (5.954) (5.908) (5.715) 5.625 (5.384) (5.207) (5.157) (5.015) 5.500 (5.032) (4.855) (4.794) (4.635) 5.875 (5.933) (5.725) (5.672) (5.491) 5.500 (5.152) (4.963) (4.948) (4.774) 5.375 (4.809) (4.632) (4.570) (4.412) 5.750 (5.706) (5.513) (5.440) (5.273) 5.375 (4.888) (4.699) (4.676) (4.502) 5.250 (4.608) (4.431) (4.370) (4.211) 5.625 (5.384) (5.207) (5.157) (5.015) 5.250 (4.547) (4.358) (4.336) (4.162) 5.125 (4.147) (3.970) (3.908) (3.762) 5.500 (5.152) (4.963) (4.948) (4.774) 5.125 (3.972) (3.803) (3.756) (3.614) 5.000 (3.976) (3.833) (3.799) (3.666) 5.375 (4.888) (4.699) (4.676) (4.502) 5.000 (3.882) (3.712) (3.703) (3.547) 4.875 (3.802) (3.658) (3.625) (3.491) 5.250 (4.547) (4.358) (4.336) (4.162) 4.875 (3.541) (3.371) (3.369) (3.213) 4.750 (3.387) (3.244) (3.210) (3.077) 5.125 (3.972) (3.803) (3.756) (3.614) 4.750 (3.050) (2.879) (2.857) (2.701) 4.625 (2.939) (2.795) (2.762) (2.628) 5.000 (3.882) (3.712) (3.703) (3.547) 4.625 (2.462) (2.292) (2.258) (2.102) 4.500 (2.388) (2.245) (2.211) (2.078) 4.990 (3.718) (3.574) (3.541) (3.407) 4.500 (1.955) (1.803) (1.787) (1.648) 4.375 (2.037) (1.893) (1.860) (1.726) 4.875 (3.541) (3.371) (3.369) (3.213) 4.375 (1.482) (1.338) (1.305) (1.172) 4.250 (1.587) (1.444) (1.410) (1.277) 4.830 (3.165) (3.022) (2.988) (2.855) 4.250 (0.961) (0.817) (0.784) (0.650) 4.125 (1.049) (0.906) (0.872) (0.739) 4.750 (3.050) (2.879) (2.857) (2.701) 4.125 (0.325) (0.181) (0.148) (0.014) 4.000 (0.459) (0.315) (0.282) (0.148) 4.700 (2.653) (2.510) (2.476) (2.343) 4.000 0.252 0.385 0.410 0.531 3.875 0.200 0.344 0.377 0.511 4.625 (2.462) (2.292) (2.258) (2.102) 3.875 1.026 1.159 1.187 1.309 3.750 0.959 1.103 1.136 1.270 4.580 (2.159) (2.016) (1.982) (1.849) 3.750 1.579 1.712 1.741 1.863 3.625 1.705 1.848 1.887 2.029 4.500 (1.975) (1.832) (1.798) (1.665) 3.625 2.168 2.301 2.331 2.453 3.500 3.011 3.144 3.207 3.329 4.450 (1.820) (1.676) (1.643) (1.509) 3.500 3.148 3.281 3.312 3.434 3.375 3.860 3.993 4.054 4.176 4.375 (1.512) (1.368) (1.335) (1.201) 3.375 4.182 4.315 4.345 4.467 3.250 4.738 4.871 4.932 5.053 4.330 (1.331) (1.188) (1.154) (1.021) 4.250 (0.970) (0.826) (0.793) (0.659) 4.125 (0.316) (0.172) (0.139) (0.005) 4.000 0.252 0.385 0.410 0.531 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 5.625 (3.321) (3.111) (3.061) (2.867) 5.625 (3.091) (2.881) (2.831) (2.637) 5.500 (2.930) (2.719) (2.668) (2.474) 5.500 (2.700) (2.489) (2.438) (2.244) 5.375 (4.369) (4.180) (4.114) (3.939) 5.375 (4.139) (3.950) (3.884) (3.709) 5.250 (4.128) (3.939) (3.874) (3.700) 5.250 (3.898) (3.709) (3.644) (3.470) 5.125 (4.562) (4.419) (4.385) (4.252) 5.125 (3.803) (3.660) (3.626) (3.493) 5.000 (4.212) (4.069) (4.035) (3.902) 5.000 (3.568) (3.425) (3.391) (3.258) 4.875 (3.853) (3.710) (3.677) (3.543) 4.875 (3.524) (3.355) (3.372) (3.217) 4.750 (3.478) (3.335) (3.301) (3.168) 4.750 (3.367) (3.198) (3.220) (3.065) 4.625 (3.815) (3.664) (3.631) (3.497) 4.625 (2.999) (2.856) (2.822) (2.689) 4.500 (3.268) (3.124) (3.091) (2.957) 4.500 (2.749) (2.605) (2.572) (2.438) 4.375 (2.891) (2.747) (2.714) (2.581) 4.375 (2.857) (2.707) (2.656) (2.519) 4.250 (2.504) (2.360) (2.327) (2.194) 4.250 (2.482) (2.332) (2.275) (2.137) 4.125 (2.202) (2.076) (2.059) (1.942) 4.125 (2.174) (2.024) (1.962) (1.825) 4.000 (1.712) (1.568) (1.535) (1.401) 4.000 (1.677) (1.534) (1.500) (1.367) 3.875 (1.237) (1.110) (1.094) (0.977) 3.875 (1.384) (1.240) (1.207) (1.075) 3.750 (0.815) (0.689) (0.672) (0.555) 3.750 (1.077) (0.934) (0.900) (0.767) 3.625 (0.428) (0.302) (0.285) (0.168) 3.625 (0.330) (0.200) (0.169) (0.050) 3.500 0.061 0.188 0.204 0.321 3.500 0.040 0.167 0.183 0.300 3.375 0.550 0.676 0.693 0.810 3.375 0.366 0.493 0.510 0.627 3.250 1.069 1.196 1.213 1.330 3.250 0.716 0.843 0.859 0.976 3.125 1.535 1.654 1.662 1.770 3.125 1.577 1.696 1.704 1.812 3.000 2.066 2.184 2.193 2.301 3.000 1.918 2.036 2.044 2.153 2.990 2.110 2.228 2.237 2.345 2.990 1.947 2.065 2.074 2.182 2.875 2.595 2.713 2.721 2.830 2.875 2.278 2.396 2.404 2.513 2.750 3.150 3.269 3.277 3.385 2.750 2.642 2.760 2.769 2.877 4.875 (3.032) (2.826) (2.741) (2.561) 4.625 (2.262) (2.095) (2.037) (1.878) 5.000 (3.192) (2.981) (2.891) (2.706) 4.750 (2.684) (2.484) (2.404) (2.229) 4.500 (1.901) (1.736) (1.677) (1.519) 4.875 (3.052) (2.846) (2.761) (2.581) 4.625 (2.176) (1.981) (1.906) (1.736) 4.375 (1.540) (1.376) (1.318) (1.159) 4.750 (2.588) (2.387) (2.307) (2.133) 4.500 (1.912) (1.723) (1.653) (1.488) 4.250 (1.179) (1.017) (0.958) (0.800) 4.625 (1.910) (1.736) (1.677) (1.519) 4.375 (1.648) (1.465) (1.400) (1.239) 4.125 (0.834) (0.661) (0.606) (0.454) 4.500 (1.620) (1.455) (1.396) (1.237) 4.250 (1.385) (1.207) (1.147) (0.991) 4.000 (0.522) (0.355) (0.305) (0.158) 4.375 (1.317) (1.153) (1.094) (0.936) 4.125 (1.121) (0.949) (0.894) (0.742) 3.990 (0.492) (0.325) (0.275) (0.128) 4.250 (0.932) (0.770) (0.712) (0.553) 4.000 (0.857) (0.691) (0.641) (0.494) 3.875 (0.211) (0.049) (0.004) 0.139 4.125 (0.705) (0.533) (0.477) (0.325) 3.990 (0.827) (0.661) (0.611) (0.464) 3.750 0.172 0.328 0.368 0.507 4.000 (0.404) (0.237) (0.186) (0.038) 3.875 (0.594) (0.433) (0.387) (0.245) 3.625 0.601 0.752 0.788 0.921 3.875 (0.102) 0.060 0.105 0.248 3.750 (0.269) (0.114) (0.073) 0.064 3.500 0.960 1.105 1.136 1.265 3.750 0.357 0.513 0.554 0.692 Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97 NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 Lender Paid MI Adj. Cash-Out Premium Subordinate Financing Excludes Community Seconds Misc Non Owner Occupied 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800 Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA NA NA 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 20 Yr Term > 20 Yr Term 85 NA 0.550 0.470 0.450 0.450 0.400 0.350 0.330 0.330 0.330 0.330 85.01-90 NA 1.350 1.300 1.270 0.950 0.800 0.670 0.550 0.390 0.390 0.390 90.01-95 NA 2.910 2.700 2.100 1.800 1.400 1.250 1.050 0.750 0.750 0.750 95.01-97 NA 3.400 3.150 2.750 2.000 1.700 1.450 1.200 0.850 0.850 0.850 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 4.880 4.430 4.050 2.970 2.300 1.920 1.540 1.100 1.100 1.100 95.01-97 NA 5.590 5.060 4.610 3.450 2.780 2.360 1.880 1.310 1.310 1.310 C < 720 720 Adjustments Applied after Cap 65 80.01-95 0.500 Loan Amount Purchase Refinance 65.01-75 80.01-95 0.750 0.500 <$50,000 1.125 1.125 75.01-95 90.01-95 1.000 0.750 $50,000 - $99,999 (0.125) (0.125) 75.01-90 76.01-90 1.000 0.750 $100,000 - $149,999 (0.125) (0.125) Loan Size 95 95.01-97 1.500 1.500 $150,000 - $199,999 (0.125) (0.125) ALL ALL 0.375 0.375 $200,000 - $249,999 (0.125) () 2-4 Units 1.000 $250,000 - $299,999 (0.125) () Attached Condo > 75 (>15yr Term) 0.750 $300,000 - Conforming Limit (0.125) () Manufactured Home 0.500 High Balance <= 75 2.125 Escrow Waiver (Full or Taxes Only) 75.01-80 3.375 Manufactured Home 0.375 > 80 4.125 Low to Moderate Income** (0.500) 30, 45 & 60 Day Lock Purchase Special () LPMI Adjustments Applied after Cap *Some adjustment details may not appear when pricing through the portal, however the final price will Adjustment Caps FICO 0.000 680 > 80% 1.500 < 680 > 80% 1.500 All 80% match the rate sheet. Max YSP -6.000 **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 7

5.875 (3.385) (3.288) (3.221) (3.054) 5.875 (3.385) (3.288) (3.221) (3.054) 5.875 (4.120) (3.943) (3.876) (3.709) 5.750 (2.929) (2.832) (2.765) (2.598) 5.750 (2.929) (2.832) (2.765) (2.598) 5.750 (3.664) (3.487) (3.420) (3.253) 5.625 (3.243) (3.171) (3.129) (2.987) 5.625 (3.243) (3.171) (3.129) (2.987) 5.625 (3.792) (3.640) (3.598) (3.457) 5.500 (3.113) (3.041) (2.999) (2.858) 5.500 (3.113) (3.041) (2.999) (2.858) 5.500 (3.795) (3.643) (3.601) (3.459) 5.375 (2.789) (2.717) (2.676) (2.534) 5.375 (2.789) (2.717) (2.676) (2.534) 5.375 (3.524) (3.372) (3.331) (3.189) 5.250 (2.319) (2.248) (2.206) (2.064) 5.250 (2.319) (2.248) (2.206) (2.064) 5.250 (3.054) (2.903) (2.861) (2.719) 5.125 (2.141) (2.077) (2.044) (1.910) 5.125 (2.141) (2.077) (2.044) (1.910) 5.125 (2.690) (2.546) (2.513) (2.379) 5.000 (1.967) (1.903) (1.870) (1.736) 5.000 (1.967) (1.903) (1.870) (1.736) 5.000 (2.649) (2.505) (2.472) (2.338) 4.875 (1.588) (1.524) (1.491) (1.357) 4.875 (1.588) (1.524) (1.491) (1.357) 4.875 (2.323) (2.179) (2.146) (2.012) 4.750 (1.070) (1.007) (0.973) (0.840) 4.750 (1.070) (1.007) (0.973) (0.840) 4.750 (1.805) (1.662) (1.628) (1.495) 4.625 (0.477) (0.414) (0.380) (0.247) 4.625 (0.477) (0.414) (0.380) (0.247) 4.625 (1.212) (1.069) (1.035) (0.902) 4.500 (0.242) (0.179) (0.145) (0.012) 4.500 (0.242) (0.179) (0.145) (0.012) 4.500 (0.924) (0.781) (0.747) (0.614) 4.375 0.182 0.245 0.279 0.412 4.375 0.182 0.245 0.279 0.412 4.375 (0.553) (0.410) (0.376) (0.243) 4.250 0.762 0.825 0.858 0.992 4.250 0.762 0.825 0.858 0.992 4.250 0.027 0.170 0.203 0.337 4.125 1.426 1.490 1.523 1.657 4.125 1.426 1.490 1.523 1.657 4.125 0.691 0.835 0.868 1.002 4.000 2.158 2.222 2.255 2.389 4.000 2.158 2.222 2.255 2.389 4.000 1.423 1.567 1.600 1.734 3.990 2.258 2.322 2.355 2.489 3.875 2.947 3.011 3.044 3.178 3.875 2.212 2.356 2.389 2.523 3.875 2.947 3.011 3.044 3.178 3.750 3.790 3.854 3.887 4.021 3.750 3.055 3.199 3.232 3.366 3.750 3.790 3.854 3.887 4.021 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 4.625 (1.981) (1.838) (1.804) (1.671) 4.625 (1.418) (1.274) (1.241) (1.107) 4.500 (1.655) (1.512) (1.478) (1.345) 4.500 (1.011) (0.868) (0.834) (0.701) 4.375 (1.318) (1.174) (1.141) (1.007) 4.375 (0.789) (0.645) (0.612) (0.478) 4.250 (0.970) (0.827) (0.793) (0.660) 4.250 (0.556) (0.413) (0.379) (0.246) 4.125 (0.872) (0.746) (0.729) (0.612) 4.125 (0.400) (0.257) (0.223) (0.090) 4.000 (0.507) (0.380) (0.363) (0.247) 4.000 (0.045) 0.099 0.132 0.266 3.875 (0.133) (0.006) 0.011 0.128 3.875 0.339 0.483 0.516 0.650 3.750 0.376 0.393 0.510 3.750 0.664 0.790 0.807 0.924 3.625 0.541 0.660 0.668 0.776 3.625 0.895 1.022 1.038 1.155 3.500 0.926 1.045 1.053 1.161 3.500 1.256 1.383 1.400 1.517 3.375 1.318 1.436 1.445 1.553 3.375 1.652 1.778 1.795 1.912 3.250 1.715 1.833 1.841 1.950 3.250 2.073 2.200 2.217 2.333 3.125 2.116 2.234 2.243 2.351 3.125 2.364 2.483 2.491 2.599 3.000 2.526 2.644 2.652 2.761 3.000 2.756 2.874 2.882 2.991 2.875 2.947 3.066 3.074 3.182 2.875 3.177 3.296 3.304 3.412 2.750 3.391 3.509 3.518 3.626 2.750 3.621 3.739 3.748 3.856 4.875 (3.082) (2.876) (2.791) (2.611) 4.500 (1.951) (1.786) (1.727) (1.569) 5.000 (3.242) (3.031) (2.941) (2.756) 4.750 (2.734) (2.534) (2.454) (2.279) 4.375 (1.590) (1.426) (1.368) (1.209) 4.875 (3.102) (2.896) (2.811) (2.631) 4.625 (2.226) (2.031) (1.956) (1.786) 4.250 (1.229) (1.067) (1.008) (0.850) 4.750 (2.638) (2.437) (2.357) (2.183) 4.500 (1.962) (1.773) (1.703) (1.538) 4.125 (0.884) (0.711) (0.656) (0.504) 4.625 (1.960) (1.786) (1.727) (1.569) 4.375 (1.698) (1.515) (1.450) (1.289) 4.000 (0.572) (0.405) (0.355) (0.208) 4.500 (1.670) (1.505) (1.446) (1.287) 4.250 (1.435) (1.257) (1.197) (1.041) 3.875 (0.261) (0.099) (0.054) 0.089 4.375 (1.367) (1.203) (1.144) (0.986) 4.125 (1.171) (0.999) (0.944) (0.792) 3.750 0.122 0.278 0.318 0.457 4.250 (0.982) (0.820) (0.762) (0.603) 4.000 (0.907) (0.741) (0.691) (0.544) 3.625 0.551 0.702 0.738 0.871 4.125 (0.755) (0.583) (0.527) (0.375) 3.875 (0.644) (0.483) (0.437) (0.295) 3.500 0.910 1.055 1.086 1.215 4.000 (0.454) (0.287) (0.236) (0.088) 3.750 (0.319) (0.164) (0.123) 0.014 3.375 1.268 1.408 1.434 1.558 3.875 (0.152) 0.010 0.055 0.198 3.625 0.046 0.195 0.231 0.364 3.250 1.692 1.826 1.847 1.967 3.750 0.307 0.463 0.504 0.642 Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97 NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 Cash-Out Premium 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 LPMI Adjustments Applied after Cap < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800 Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA NA NA 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Lender 20 Yr Paid MI Term Adj. > 20 Yr Term Subordinate Financing Excludes Community Seconds Misc 85 NA 0.550 0.470 0.450 0.450 0.400 0.350 0.330 0.330 0.330 0.330 85.01-90 NA 1.350 1.300 1.270 0.950 0.800 0.670 0.550 0.390 0.390 0.390 90.01-95 NA 2.910 2.700 2.100 1.800 1.400 1.250 1.050 0.750 0.750 0.750 95.01-97 NA 3.400 3.150 2.750 2.000 1.700 1.450 1.200 0.850 0.850 0.850 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 4.880 4.430 4.050 2.970 2.300 1.920 1.540 1.100 1.100 1.100 95.01-97 NA 5.590 5.060 4.610 3.450 2.780 2.360 1.880 1.310 1.310 1.310 C < 720 720 Adjustments Applied after Cap 65 80.01-95 0.500 Loan Amount Purchase Refinance 65.01-75 80.01-95 0.750 0.500 <$50,000 1.125 1.125 75.01-95 90.01-95 1.000 0.750 $50,000 - $99,999 (0.125) (0.125) 75.01-90 76.01-90 1.000 0.750 $100,000 - $149,999 (0.125) (0.125) Loan Size 95 95.01-97 1.500 1.500 $150,000 - $199,999 (0.125) (0.125) Adjustments ALL ALL 0.375 0.375 $200,000 - $249,999 (0.125) () 2-4 Units 1.000 $250,000 - $299,999 (0.125) () Attached Condo > 75 (>15yr Term) 0.750 $300,000 - Conforming Limit (0.125) () Manufactured Home 0.500 High Balance High Balance Loan Adjustment - Fixed Escrow Waiver (Full or Taxes Only) High Balance Loan Adjustment - ARM 75 1.000 Manufactured Home 0.375 High Balance Loan Adjustment - ARM > 75 1.750 Low to Moderate Income** (0.500) 30, 45 & 60 Day Lock Purchase Special () *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Adjustment Caps FICO 0.000 680 > 80% 1.500 < 680 > 80% 1.500 All 80% Max YSP -6.000

FHLMC Home Possible 30 Yr Fixed FHLMC Home Possible 25 Yr Fixed FHLMC Home Possible 20 Yr Fixed 6.375 (6.947) (6.700) (6.632) (6.404) 6.000 (6.163) (5.954) (5.908) (5.715) 5.875 (5.752) (5.543) (5.487) (5.295) 6.250 (6.811) (6.617) (6.545) (6.378) 5.875 (5.933) (5.724) (5.672) (5.479) 5.750 (5.468) (5.274) (5.190) (5.007) 6.125 (6.542) (6.348) (6.276) (6.109) 5.750 (5.706) (5.513) (5.440) (5.273) 5.625 (5.200) (5.023) (4.961) (4.803) 6.000 (6.163) (5.954) (5.908) (5.715) 5.625 (5.384) (5.207) (5.157) (5.015) 5.500 (5.032) (4.855) (4.794) (4.635) 5.875 (5.933) (5.725) (5.672) (5.491) 5.500 (5.152) (4.963) (4.948) (4.774) 5.375 (4.809) (4.632) (4.570) (4.412) 5.750 (5.706) (5.513) (5.440) (5.273) 5.375 (4.888) (4.699) (4.676) (4.502) 5.250 (4.608) (4.431) (4.370) (4.211) 5.625 (5.384) (5.207) (5.157) (5.015) 5.250 (4.547) (4.358) (4.336) (4.162) 5.125 (4.147) (3.970) (3.908) (3.762) 5.500 (5.152) (4.963) (4.948) (4.774) 5.125 (3.972) (3.803) (3.756) (3.614) 5.000 (3.976) (3.833) (3.799) (3.666) 5.375 (4.888) (4.699) (4.676) (4.502) 5.000 (3.882) (3.712) (3.703) (3.547) 4.875 (3.802) (3.658) (3.625) (3.491) 5.250 (4.547) (4.358) (4.336) (4.162) 4.875 (3.541) (3.371) (3.369) (3.213) 4.750 (3.387) (3.244) (3.210) (3.077) 5.125 (3.972) (3.803) (3.756) (3.614) 4.750 (3.050) (2.879) (2.857) (2.701) 4.625 (2.939) (2.795) (2.762) (2.628) 5.000 (3.882) (3.712) (3.703) (3.547) 4.625 (2.462) (2.292) (2.258) (2.102) 4.500 (2.388) (2.245) (2.211) (2.078) 4.990 (3.718) (3.574) (3.541) (3.407) 4.500 (1.955) (1.803) (1.787) (1.648) 4.375 (2.037) (1.893) (1.860) (1.726) 4.875 (3.541) (3.371) (3.369) (3.213) 4.375 (1.482) (1.338) (1.305) (1.172) 4.250 (1.587) (1.444) (1.410) (1.277) 4.830 (3.165) (3.022) (2.988) (2.855) 4.250 (0.961) (0.817) (0.784) (0.650) 4.125 (1.049) (0.906) (0.872) (0.739) 4.750 (3.050) (2.879) (2.857) (2.701) 4.125 (0.325) (0.181) (0.148) (0.014) 4.000 (0.459) (0.315) (0.282) (0.148) 4.700 (2.653) (2.510) (2.476) (2.343) 4.000 0.252 0.385 0.410 0.531 3.875 0.200 0.344 0.377 0.511 4.625 (2.462) (2.292) (2.258) (2.102) 3.875 1.026 1.159 1.187 1.309 3.750 0.959 1.103 1.136 1.270 4.580 (2.159) (2.016) (1.982) (1.849) 3.750 1.579 1.712 1.741 1.863 3.625 1.705 1.848 1.887 2.029 4.500 (1.975) (1.832) (1.798) (1.665) 3.625 2.168 2.301 2.331 2.453 3.500 3.011 3.144 3.207 3.329 4.450 (1.820) (1.676) (1.643) (1.509) 3.500 3.148 3.281 3.312 3.434 3.375 3.860 3.993 4.054 4.176 4.375 (1.512) (1.368) (1.335) (1.201) 3.375 4.182 4.315 4.345 4.467 3.250 4.738 4.871 4.932 5.053 4.330 (1.331) (1.188) (1.154) (1.021) 4.250 (0.970) (0.826) (0.793) (0.659) 4.125 (0.316) (0.172) (0.139) (0.005) 4.000 0.252 0.385 0.410 0.531 FHLMC Home Possible 15 Yr Fixed FHLMC Home Possible 10 Yr Fixed FHLMC Home Possible - VLIP 30 Yr Fixed 5.625 (3.321) (3.111) (3.061) (2.867) 5.625 (3.091) (2.881) (2.831) (2.637) 6.375 (6.947) (6.700) (6.632) (6.404) 5.500 (2.930) (2.719) (2.668) (2.474) 5.500 (2.700) (2.489) (2.438) (2.244) 6.250 (6.811) (6.617) (6.545) (6.378) 5.375 (4.369) (4.180) (4.114) (3.939) 5.375 (4.139) (3.950) (3.884) (3.709) 6.125 (6.542) (6.348) (6.276) (6.109) 5.250 (4.128) (3.939) (3.874) (3.700) 5.250 (3.898) (3.709) (3.644) (3.470) 6.000 (6.163) (5.954) (5.908) (5.715) 5.125 (4.562) (4.419) (4.385) (4.252) 5.125 (3.803) (3.660) (3.626) (3.493) 5.875 (5.933) (5.725) (5.672) (5.491) 5.000 (4.212) (4.069) (4.035) (3.902) 5.000 (3.568) (3.425) (3.391) (3.258) 5.750 (5.706) (5.513) (5.440) (5.273) 4.875 (3.853) (3.710) (3.677) (3.543) 4.875 (3.524) (3.355) (3.372) (3.217) 5.625 (5.384) (5.207) (5.157) (5.015) 4.750 (3.478) (3.335) (3.301) (3.168) 4.750 (3.367) (3.198) (3.220) (3.065) 5.500 (5.152) (4.963) (4.948) (4.774) 4.625 (3.815) (3.664) (3.631) (3.497) 4.625 (2.999) (2.856) (2.822) (2.689) 5.375 (4.888) (4.699) (4.676) (4.502) 4.500 (3.268) (3.124) (3.091) (2.957) 4.500 (2.749) (2.605) (2.572) (2.438) 5.250 (4.547) (4.358) (4.336) (4.162) 4.375 (2.891) (2.747) (2.714) (2.581) 4.375 (2.857) (2.707) (2.656) (2.519) 5.125 (3.972) (3.803) (3.756) (3.614) 4.250 (2.504) (2.360) (2.327) (2.194) 4.250 (2.482) (2.332) (2.275) (2.137) 5.000 (3.882) (3.712) (3.703) (3.547) 4.125 (2.202) (2.076) (2.059) (1.942) 4.125 (2.174) (2.024) (1.962) (1.825) 4.990 (3.718) (3.574) (3.541) (3.407) 4.000 (1.712) (1.568) (1.535) (1.401) 4.000 (1.677) (1.534) (1.500) (1.367) 4.875 (3.541) (3.371) (3.369) (3.213) 3.875 (1.237) (1.110) (1.094) (0.977) 3.875 (1.384) (1.240) (1.207) (1.075) 4.830 (3.165) (3.022) (2.988) (2.855) 3.750 (0.815) (0.689) (0.672) (0.555) 3.750 (1.077) (0.934) (0.900) (0.767) 4.750 (3.050) (2.879) (2.857) (2.701) 3.625 (0.428) (0.302) (0.285) (0.168) 3.625 (0.330) (0.200) (0.169) (0.050) 4.700 (2.653) (2.510) (2.476) (2.343) 3.500 0.061 0.188 0.204 0.321 3.500 0.040 0.167 0.183 0.300 4.625 (2.462) (2.292) (2.258) (2.102) 3.375 0.550 0.676 0.693 0.810 3.375 0.366 0.493 0.510 0.627 4.580 (2.159) (2.016) (1.982) (1.849) 3.250 1.069 1.196 1.213 1.330 3.250 0.716 0.843 0.859 0.976 4.500 (1.975) (1.832) (1.798) (1.665) 3.125 1.535 1.654 1.662 1.770 3.125 1.577 1.696 1.704 1.812 4.450 (1.820) (1.676) (1.643) (1.509) 3.000 2.066 2.184 2.193 2.301 3.000 1.918 2.036 2.044 2.153 4.375 (1.512) (1.368) (1.335) (1.201) 2.990 2.110 2.228 2.237 2.345 2.990 1.947 2.065 2.074 2.182 4.330 (1.331) (1.188) (1.154) (1.021) 2.875 2.595 2.713 2.721 2.830 2.875 2.278 2.396 2.404 2.513 4.250 (0.970) (0.826) (0.793) (0.659) 2.750 3.150 3.269 3.277 3.385 2.750 2.642 2.760 2.769 2.877 4.125 (0.316) (0.172) (0.139) (0.005) FHLMC Home Possible 5/1 ARM (2/2/5) FHLMC Home Possible 7/1 ARM (5/2/5) FHLMC Home Possible 10/1 ARM (5/2/5) 4.875 (3.032) (2.826) (2.741) (2.561) 4.625 (2.262) (2.095) (2.037) (1.878) 5.000 (3.192) (2.981) (2.891) (2.706) 4.750 (2.684) (2.484) (2.404) (2.229) 4.500 (1.901) (1.736) (1.677) (1.519) 4.875 (3.052) (2.846) (2.761) (2.581) 4.625 (2.176) (1.981) (1.906) (1.736) 4.375 (1.540) (1.376) (1.318) (1.159) 4.750 (2.588) (2.387) (2.307) (2.133) 4.500 (1.912) (1.723) (1.653) (1.488) 4.250 (1.179) (1.017) (0.958) (0.800) 4.625 (1.910) (1.736) (1.677) (1.519) 4.375 (1.648) (1.465) (1.400) (1.239) 4.125 (0.834) (0.661) (0.606) (0.454) 4.500 (1.620) (1.455) (1.396) (1.237) 4.250 (1.385) (1.207) (1.147) (0.991) 4.000 (0.522) (0.355) (0.305) (0.158) 4.375 (1.317) (1.153) (1.094) (0.936) 4.125 (1.121) (0.949) (0.894) (0.742) 3.990 (0.492) (0.325) (0.275) (0.128) 4.250 (0.932) (0.770) (0.712) (0.553) 4.000 (0.857) (0.691) (0.641) (0.494) 3.875 (0.211) (0.049) (0.004) 0.139 4.125 (0.705) (0.533) (0.477) (0.325) 3.990 (0.827) (0.661) (0.611) (0.464) 3.750 0.172 0.328 0.368 0.507 4.000 (0.404) (0.237) (0.186) (0.038) 3.875 (0.594) (0.433) (0.387) (0.245) 3.625 0.601 0.752 0.788 0.921 3.875 (0.102) 0.060 0.105 0.248 3.750 (0.269) (0.114) (0.073) 0.064 3.500 0.960 1.105 1.136 1.265 3.750 0.357 0.513 0.554 0.692 All Conforming (does not apply to Fixed terms 15yrs) Premium FHLMC Home Possible Products Loan Level Price Adjustments < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97* NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 LPMI Adjustments Applied after Cap < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800 Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA NA NA 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Lender Paid MI Adj. 20 Yr Term 85 NA 0.550 0.470 0.450 0.450 0.400 0.350 0.330 0.330 0.330 0.330 85.01-90 NA 1.350 1.300 1.270 0.950 0.800 0.670 0.550 0.390 0.390 0.390 90.01-95 NA 2.910 2.700 2.100 1.800 1.400 1.250 1.050 0.750 0.750 0.750 95.01-97 NA 3.400 3.150 2.750 2.000 1.700 1.450 1.200 0.850 0.850 0.850 > 20 Yr Term 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 4.880 4.430 4.050 2.970 2.300 1.920 1.540 1.100 1.100 1.100 95.01-97 NA 5.590 5.060 4.610 3.450 2.780 2.360 1.880 1.310 1.310 1.310 Manufactured Home NA NA NA 1.750 1.600 1.300 1.000 0.850 0.700 0.700 0.700 VLIP LPMI 85 NA 1.830 1.630 1.440 0.950 0.920 0.780 0.660 0.610 0.610 0.610 Adj. 85.01-90 NA 4.730 4.250 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 30 Yr Term 90.01-95 NA 5.110 4.680 4.220 2.970 2.300 1.920 1.540 1.100 1.100 1.100 95.01-97 NA 6.140 5.530 5.160 3.790 2.960 2.480 2.000 1.410 1.410 1.410 C < 720 720 Adjustments Applied after Cap 75 80 0.500 0.500 Loan Amount Purchase Refinance Subordinate Financing 65 80.01-95 0.500 0.500 <$50,000 1.125 1.125 Excludes Community Seconds 65.01-75 80.01-95 0.500 0.500 $50,000 - $99,999 (0.125) (0.125) 75.01-95 76.01-95 0.500 0.500 $100,000 - $149,999 (0.125) (0.125) Loan Size $150,000 - $199,999 (0.125) (0.125) Attached Condo > 75 (>15yr Term) 0.750 $200,000 - $249,999 (0.125) () Misc Manufacured Home 0.500 $250,000 - $299,999 (0.125) () $300,000 - Conforming Limit (0.125) () 80 80.01-85 > 85 High Balance Number Of Units 2 Units 1.000 1.000 1.000 Escrow Waiver (Full or Taxes Only) 3-4 units 1.000 1.500 2.000 Manufactured Home Low to Moderate Income** 0.375 (0.500) 30, 45 & 60 Day Lock Purchase Special () Very Low Income Program (VLIP)*** (2.000) FICO 0.000 680 > 80% *Some adjustment details may not appear when pricing through the portal, however the final price will Adjustment Caps 1.500 < 680 > 80% match the rate sheet. 1.500 All 80% **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Max YSP -6.000 ***Applies to Home Possible Very Low Income Program only. Income Restrictions apply. Cannot combine with LMI. Page 9

Fannie Mae 3-1 ARM (2-2-6) Fannie Mae 5-1 ARM (2-2-5) Fannie Mae 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A 4.875 (3.082) (2.876) (2.791) (2.611) 4.625 (2.312) (2.145) (2.087) (1.928) N/A N/A N/A N/A N/A 4.750 (2.734) (2.534) (2.454) (2.279) 4.500 (1.951) (1.786) (1.727) (1.569) N/A N/A N/A N/A N/A 4.625 (2.226) (2.031) (1.956) (1.786) 4.375 (1.590) (1.426) (1.368) (1.209) N/A N/A N/A N/A N/A 4.500 (1.962) (1.773) (1.703) (1.538) 4.250 (1.229) (1.067) (1.008) (0.850) N/A N/A N/A N/A N/A 4.375 (1.698) (1.515) (1.450) (1.289) 4.125 (0.884) (0.711) (0.656) (0.504) N/A N/A N/A N/A N/A 4.250 (1.435) (1.257) (1.197) (1.041) 4.000 (0.572) (0.405) (0.355) (0.208) N/A N/A N/A N/A N/A 4.125 (1.171) (0.999) (0.944) (0.792) 3.990 (0.542) (0.375) (0.325) (0.178) N/A N/A N/A N/A N/A 4.000 (0.907) (0.741) (0.691) (0.544) 3.875 (0.261) (0.099) (0.054) 0.089 N/A N/A N/A N/A N/A 3.990 (0.877) (0.711) (0.661) (0.514) 3.750 0.122 0.278 0.318 0.457 N/A N/A N/A N/A N/A 3.875 (0.644) (0.483) (0.437) (0.295) 3.625 0.551 0.702 0.738 0.871 N/A N/A N/A N/A N/A 3.750 (0.319) (0.164) (0.123) 0.014 3.500 0.910 1.055 1.086 1.215 Fannie Mae 10-1 ARM (5-2-5) Fannie Mae 5-1 ARM (2-2-5) High Balance Fannie Mae 7-1 ARM (5-2-5) High Balance 5.000 (3.242) (3.031) (2.941) (2.756) 4.875 (3.082) (2.876) (2.791) (2.611) 4.500 (1.951) (1.786) (1.727) (1.569) 4.875 (3.102) (2.896) (2.811) (2.631) 4.750 (2.734) (2.534) (2.454) (2.279) 4.375 (1.590) (1.426) (1.368) (1.209) 4.750 (2.638) (2.437) (2.357) (2.183) 4.625 (2.226) (2.031) (1.956) (1.786) 4.250 (1.229) (1.067) (1.008) (0.850) 4.625 (1.960) (1.786) (1.727) (1.569) 4.500 (1.962) (1.773) (1.703) (1.538) 4.125 (0.884) (0.711) (0.656) (0.504) 4.500 (1.670) (1.505) (1.446) (1.287) 4.375 (1.698) (1.515) (1.450) (1.289) 4.000 (0.572) (0.405) (0.355) (0.208) 4.375 (1.367) (1.203) (1.144) (0.986) 4.250 (1.435) (1.257) (1.197) (1.041) 3.875 (0.261) (0.099) (0.054) 0.089 4.250 (0.982) (0.820) (0.762) (0.603) 4.125 (1.171) (0.999) (0.944) (0.792) 3.750 0.122 0.278 0.318 0.457 4.125 (0.755) (0.583) (0.527) (0.375) 4.000 (0.907) (0.741) (0.691) (0.544) 3.625 0.551 0.702 0.738 0.871 4.000 (0.454) (0.287) (0.236) (0.088) 3.875 (0.644) (0.483) (0.437) (0.295) 3.500 0.910 1.055 1.086 1.215 3.875 (0.152) 0.010 0.055 0.198 3.750 (0.319) (0.164) (0.123) 0.014 3.375 1.268 1.408 1.434 1.558 3.750 0.307 0.463 0.504 0.642 3.625 0.046 0.195 0.231 0.364 3.250 1.692 1.826 1.847 1.967 Fannie Mae 10-1 ARM (5-2-5) High Balance 15 Day 30 Day 45 Day 60 Day 5.000 (3.242) (3.031) (2.941) (2.756) 4.875 (3.102) (2.896) (2.811) (2.631) 4.750 (2.638) (2.437) (2.357) (2.183) 4.625 (1.960) (1.786) (1.727) (1.569) 4.500 (1.670) (1.505) (1.446) (1.287) 4.375 (1.367) (1.203) (1.144) (0.986) 4.250 (0.982) (0.820) (0.762) (0.603) 4.125 (0.755) (0.583) (0.527) (0.375) 4.000 (0.454) (0.287) (0.236) (0.088) 3.875 (0.152) 0.010 0.055 0.198 3.750 0.307 0.463 0.504 0.642 All Conforming ARMs (Does not include DU Refi Plus) Fannie Mae - ARM Products Loan Level Price Adjustments < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 >= 760 <= 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 95.01-97 NA 3.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750 Cash-Out <= 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 Lender Paid MI Adjustmen ts Premium Adjustmen ts Adjustmen ts < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800+ Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA 1.800 1.650 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 2nd Home NA 1.350 1.270 1.230 0.700 0.700 0.490 0.390 0.360 0.360 0.360 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Non Owner Occupied NA 2.630 2.630 2.630 1.750 1.750 1.330 1.190 1.190 1.190 1.190 <= 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 5.700 5.140 4.580 2.650 2.470 2.010 1.680 1.390 1.390 1.390 95.01-97 NA 7.350 6.710 6.190 4.610 3.710 3.110 2.440 1.690 1.690 1.690 Subordinate Financing Excludes Community Seconds Non Owner Occupied Misc C < 720 >= 720 Loan Amount Purchase Refinance <=65 80.01-90 0.500 <$50,000 1.250 1.250 65.01-75 80.01-90 0.750 0.500 $50,000 - $99,999 75.01-90 76.01-90 1.000 0.750 $100,000 - $149,999 ALL ALL 0.375 0.375 Loan Size $150,000 - $199,999 Adjustments $200,000 - $249,999 $250,000 - $299,999 <= 75 2.125 $300,000 - Conforming Limit 75.01-80 3.375 High Balance > 80 4.125 75 1.000 Purch - R/T Refi. > 75 1.750 High Balance 2-4 Units 1.000 75 1.750 C/O Refi. Manufactured Home 0.875 > 75 2.500 Attached Condo > 75 Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) 0.750 0.000 30, 45 & 60 Day Lock Purchase Special () >90 *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Max YSP -3.000 Margin 2.250% Page 10

Freddie Mac 3-1 ARM (2-2-6) Freddie Mac 5-1 ARM (2-2-5) Freddie Mac 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A 4.875 (3.082) (2.876) (2.791) (2.611) 4.625 (2.312) (2.145) (2.087) (1.928) N/A N/A N/A N/A N/A 4.750 (2.734) (2.534) (2.454) (2.279) 4.500 (1.951) (1.786) (1.727) (1.569) N/A N/A N/A N/A N/A 4.625 (2.226) (2.031) (1.956) (1.786) 4.375 (1.590) (1.426) (1.368) (1.209) N/A N/A N/A N/A N/A 4.500 (1.962) (1.773) (1.703) (1.538) 4.250 (1.229) (1.067) (1.008) (0.850) N/A N/A N/A N/A N/A 4.375 (1.698) (1.515) (1.450) (1.289) 4.125 (0.884) (0.711) (0.656) (0.504) N/A N/A N/A N/A N/A 4.250 (1.435) (1.257) (1.197) (1.041) 4.000 (0.572) (0.405) (0.355) (0.208) N/A N/A N/A N/A N/A 4.125 (1.171) (0.999) (0.944) (0.792) 3.990 (0.542) (0.375) (0.325) (0.178) N/A N/A N/A N/A N/A 4.000 (0.907) (0.741) (0.691) (0.544) 3.875 (0.261) (0.099) (0.054) 0.089 N/A N/A N/A N/A N/A 3.990 (0.877) (0.711) (0.661) (0.514) 3.750 0.122 0.278 0.318 0.457 N/A N/A N/A N/A N/A 3.875 (0.644) (0.483) (0.437) (0.295) 3.625 0.551 0.702 0.738 0.871 N/A N/A N/A N/A N/A 3.750 (0.319) (0.164) (0.123) 0.014 3.500 0.910 1.055 1.086 1.215 Freddie Mac 10-1 ARM (5-2-5) Freddie Mac 5-1 ARM (2-2-5) Super Conforming Freddie Mac 7-1 ARM (5-2-5) Super Conforming 5.000 (3.242) (3.031) (2.941) (2.756) 4.875 (3.082) (2.876) (2.791) (2.611) 4.500 (1.951) (1.786) (1.727) (1.569) 4.875 (3.102) (2.896) (2.811) (2.631) 4.750 (2.734) (2.534) (2.454) (2.279) 4.375 (1.590) (1.426) (1.368) (1.209) 4.750 (2.638) (2.437) (2.357) (2.183) 4.625 (2.226) (2.031) (1.956) (1.786) 4.250 (1.229) (1.067) (1.008) (0.850) 4.625 (1.960) (1.786) (1.727) (1.569) 4.500 (1.962) (1.773) (1.703) (1.538) 4.125 (0.884) (0.711) (0.656) (0.504) 4.500 (1.670) (1.505) (1.446) (1.287) 4.375 (1.698) (1.515) (1.450) (1.289) 4.000 (0.572) (0.405) (0.355) (0.208) 4.375 (1.367) (1.203) (1.144) (0.986) 4.250 (1.435) (1.257) (1.197) (1.041) 3.875 (0.261) (0.099) (0.054) 0.089 4.250 (0.982) (0.820) (0.762) (0.603) 4.125 (1.171) (0.999) (0.944) (0.792) 3.750 0.122 0.278 0.318 0.457 4.125 (0.755) (0.583) (0.527) (0.375) 4.000 (0.907) (0.741) (0.691) (0.544) 3.625 0.551 0.702 0.738 0.871 4.000 (0.454) (0.287) (0.236) (0.088) 3.875 (0.644) (0.483) (0.437) (0.295) 3.500 0.910 1.055 1.086 1.215 3.875 (0.152) 0.010 0.055 0.198 3.750 (0.319) (0.164) (0.123) 0.014 3.375 1.268 1.408 1.434 1.558 3.750 0.307 0.463 0.504 0.642 3.625 0.046 0.195 0.231 0.364 3.250 1.692 1.826 1.847 1.967 Freddie Mac 10-1 ARM (5-2-5) Super Conforming 15 Day 30 Day 45 Day 60 Day 5.000 (3.242) (3.031) (2.941) (2.756) 4.875 (3.102) (2.896) (2.811) (2.631) 4.750 (2.638) (2.437) (2.357) (2.183) 4.625 (1.960) (1.786) (1.727) (1.569) 4.500 (1.670) (1.505) (1.446) (1.287) 4.375 (1.367) (1.203) (1.144) (0.986) 4.250 (0.982) (0.820) (0.762) (0.603) 4.125 (0.755) (0.583) (0.527) (0.375) 4.000 (0.454) (0.287) (0.236) (0.088) 3.875 (0.152) 0.010 0.055 0.198 3.750 0.307 0.463 0.504 0.642 All Conforming ARMs (Does not include LP Open Access) Freddie Mac ARM Products Loan Level Price Adjustments < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 >= 760 <= 60 NA 0.500 0.500 60.01-70 NA 1.500 1.250 1.000 0.500 0.500 70.01-75 NA 3.000 2.750 2.250 1.250 1.000 0.500 75.01-80 NA 3.000 3.000 2.750 1.750 1.250 0.750 0.500 0.500 80.01-85 NA 3.250 3.250 2.750 1.500 1.000 0.500 85.01-90 NA 3.250 2.750 2.250 1.250 1.000 0.500 90.01-95 NA 3.250 2.750 2.250 1.250 1.000 0.500 Cash-Out <= 60 NA 0.625 0.625 0.625 0.375 0.375 0.375 0.375 0.375 60.01-75 NA 1.625 1.625 1.125 1.125 1.000 1.000 0.625 0.625 75.01-80 NA 3.125 2.625 1.875 1.750 1.125 1.125 0.875 0.875 80.01-85 NA NA NA NA NA NA NA 1.500 1.500 Lender Paid MI Adjustme nts Premium Adjustme nts Adjustme nts < 620 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780-799 800+ Rate & Term Refi NA 1.050 1.050 1.050 0.530 0.530 0.000 Manufactured Home NA 1.800 1.650 1.500 1.050 1.000 0.700 0.600 0.540 0.540 0.540 2nd Home NA 1.350 1.270 1.230 0.700 0.700 0.490 0.390 0.360 0.360 0.360 3-4 Unit NA 2.630 2.000 1.900 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Non Owner Occupied NA 2.630 2.630 2.630 1.750 1.750 1.330 1.190 1.190 1.190 1.190 Cash Out NA NA NA NA NA NA NA 0.600 0.540 0.540 0.540 <= 85 NA 1.610 1.500 1.350 0.950 0.860 0.750 0.640 0.530 0.530 0.530 85.01-90 NA 4.310 3.940 3.180 2.230 1.700 1.490 1.080 0.970 0.970 0.970 90.01-95 NA 5.700 5.140 4.580 2.650 2.470 2.010 1.680 1.390 1.390 1.390 95.01-97 NA 7.350 6.710 6.190 4.610 3.710 3.110 2.440 1.690 1.690 1.690 Number Of Units Subordinate Financing Misc Non Owner Occupied <=80 80.01-85 > 85 Loan Amount Purchase Refinance 2 Units 1.000 1.000 1.000 <$50,000 1.250 1.250 3-4 units 1.000 1.500 2.000 $50,000 - $99,999 C < 720 >= 720 $100,000 - $149,999 <=75 <=80 0.375 0.375 Loan Size $150,000 - $199,999 <=65 80.01-95 0.875 0.625 Adjustments $200,000 - $249,999 65.01-75 80.01-95 1.125 0.875 $250,000 - $299,999 75.01-95 76.01-95 1.375 1.125 $300,000 - Conforming Limit Condo > 75 (>15yr Term) 0.750 High Balance >90 Escrow Waiver (Full or Taxes Only) Purchase & Rate/Term Refi <=75 1.000 Escrow Waiver (Insurance Only) 0.000 Purchase & Rate/Term Refi >75 1.750 Super Conforming Manufactured Home (High Bal - Not Permitted) 0.875 Cash Out <= 75 1.750 <= 75 2.125 Cash Out > 75 2.500 75.01-80 3.375 > 80 4.125 30, 45 & 60 Day Lock Purchase Special () *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Max YSP -3.000 Margin 2.250% Page 11

High Balance Extra Pricing Effective: 1/22/2019 09:43 AM High Balance Extra 30 Yr Fixed Rate 15 Day 30 Day 45 Day 60 Day 6.250 (3.279) (3.154) (3.029) (2.904) 6.125 (3.029) (2.904) (2.779) (2.654) 5.990 (2.779) (2.654) (2.529) (2.404) 5.875 (2.529) (2.404) (2.279) (2.154) 5.750 (2.279) (2.154) (2.029) (1.904) 5.625 (2.029) (1.904) (1.779) (1.654) 5.500 (1.779) (1.654) (1.529) (1.404) 5.375 (1.529) (1.404) (1.279) (1.154) 5.250 (1.279) (1.154) (1.029) (0.904) 5.125 (1.029) (0.904) (0.779) (0.654) 4.990 (0.779) (0.654) (0.529) (0.404) 4.875 (0.529) (0.404) (0.279) (0.154) 4.750 (0.279) (0.154) (0.029) 0.096 4.625 (0.029) 0.096 0.221 0.346 4.500 0.221 0.346 0.471 0.596 4.375 0.471 0.596 0.721 0.846 4.250 0.721 0.846 0.971 1.096 Pricing Adjustments All High Balance Extra Loans <= 60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 >=760 0.125 0.375 0.375 0.625 1.000 1.500 740-759 0.500 0.500 0.750 1.125 2.000 720-739 0.500 0.750 1.000 1.500 2.625 700-719 0.750 1.250 1.500 NA NA 680-699 0.750 1.500 2.000 NA NA Cashout (adjustments are cumulative) >=760 1.375 1.625 1.625 1.875 NA NA 740-759 1.375 1.625 1.625 1.875 NA NA 720-739 1.375 2.000 2.000 2.125 NA NA 700-719 1.375 2.000 2.000 2.125 NA NA 680-699 NA NA NA NA NA NA Sub Financing (adjustments are cumulative) C < 720 >= 720 <=65 80.01-90 0.875 0.625 Max Price -3.000 65.01-75 80.01-90 1.125 0.875 75.01-90 76.01-90 1.375 1.125

Jumbo Series C as of 01/22/2019 9:43 AM 5/1 ARM 15 Yr Fixed 15/30/45 Day 60 Day 15/30/45 Day 60 Day 4.375 (1.570) (1.320) 4.500 (1.260) (1.010) 4.250 (1.570) (1.320) 4.375 (1.260) (1.010) 4.125 (1.570) (1.320) 4.250 (1.260) (1.010) 4.000 (1.495) (1.245) 4.125 (1.260) (1.010) 3.875 (1.120) (0.870) 4.000 (0.810) (0.560) 3.750 (0.780) (0.530) 3.875 (0.260) (0.010) 3.625 (0.430) (0.180) 3.750 0.240 0.490 3.500 (0.070) 0.180 Max Price -1.500 Max Price -1.250 80.01 to 85 No PMI ARM >1,000,000 <= 1,500,000 ARM >1,500,000 <= 2,000,000 Fixed >1,250,000 <= 2,000,000 2nd Home Cashout >=740, <=60 Cashout >=740, >60 & <=70 Cashout >=740, >70 & <=75 Cashout >=720 & <740, <=60 Cashout >=720 & <740, >60 & <=70 Cashout >=720 & <740, >70 & <=75 Escrow Waiver Adjustments Price Adjustment Rate Adjustment 0.000 0.125 0.000 0.125 0.000 0.375 0.000 0.125 0.375 0.125 0.375 0.000 0.625 0.000 0.625 0.000 0.375 0.000 1.000 0.000 1.000 0.000 0.125 0.000 Please view 'State Adjustments' page for additional adjustments. Product Not Available in Arizona, California, Michigan or Nevada. Pricing is subject to change without notice. NewRezWholesale.com Page 13

Southwest Wholesale Rate Sheet Jumbo Series D as of 1/22/2019 8:37 AM Jumbo D - 30 Yr Fixed Jumbo D - 20 Yr Fixed Jumbo D - 15 Yr Fixed 5.625 (4.506) (4.443) (4.381) (4.318) 5.625 (4.733) (4.670) (4.608) (4.545) 4.500 (0.703) (0.640) (0.578) (0.515) 5.500 (4.049) (3.987) (3.924) (3.862) 5.500 (4.295) (4.232) (4.170) (4.107) 4.375 (0.311) (0.249) (0.186) (0.124) 5.375 (3.597) (3.534) (3.472) (3.409) 5.375 (3.859) (3.796) (3.734) (3.671) 4.250 0.083 0.145 0.208 0.270 5.250 (3.061) (2.999) (2.936) (2.874) 5.250 (3.249) (3.187) (3.124) (3.062) 4.125 0.481 0.544 0.606 0.669 5.125 (2.607) (2.545) (2.482) (2.420) 5.125 (2.820) (2.757) (2.695) (2.632) 4.000 0.878 0.941 1.003 1.066 5.000 (2.150) (2.088) (2.025) (1.963) 5.000 (2.387) (2.324) (2.262) (2.199) 3.875 1.276 1.338 1.401 1.463 4.875 (1.689) (1.627) (1.564) (1.502) 4.875 (1.967) (1.905) (1.842) (1.780) 3.750 2.012 2.075 2.137 2.200 4.750 (1.211) (1.148) (1.086) (1.023) 4.750 (1.447) (1.385) (1.322) (1.260) 3.625 2.407 2.470 2.532 2.595 4.625 (0.754) (0.691) (0.629) (0.566) 4.625 (1.023) (0.961) (0.898) (0.836) 3.500 2.804 2.867 2.929 2.992 4.500 (0.297) (0.234) (0.172) (0.109) 4.500 (0.594) (0.532) (0.469) (0.407) 3.375 3.202 3.265 3.327 3.390 4.375 0.160 0.223 0.285 0.348 4.375 (0.168) (0.106) (0.043) 0.019 3.250 3.548 3.611 3.673 3.736 4.250 0.705 0.768 0.830 0.893 4.250 0.439 0.502 0.564 0.627 3.125 3.947 4.010 4.072 4.135 4.125 1.161 1.224 1.286 1.349 4.125 0.864 0.927 0.989 1.052 3.000 4.346 4.408 4.471 4.533 4.000 1.624 1.686 1.749 1.811 4.000 1.296 1.358 1.421 1.483 2.875 4.745 4.808 4.870 4.933 Jumbo Series D Adjustments State Adjustments % --> < =60 60.01-65 65.01-70 70.01-75 75.01-80 State LLPA State LLPA State LLPA >= 800 (0.500) (0.500) (0.500) () (0.125) AK 0.000 KY 0.020 OH 0.010 780-799 (0.500) (0.500) (0.500) (0.125) 0.000 AL 0.050 LA 0.070 OK (0.040) 760-779 (0.500) (0.375) (0.375) 0.000 0.125 AR (0.020) MA 0.020 OR 0.020 FICO 740-759 (0.375) () () 0.125 AZ 0.020 MD 0.300 PA 0.020 720-739 () (0.125) 0.500 0.750 CA 0.060 ME 0.140 RI (0.020) 700-719 0.000 0.125 0.625 1.250 1.500 CO 0.140 MI (0.050) SC 0.050 680-699 0.000 0.375 1.250 2.375 2.625 CT 0.030 MN (0.020) SD 0.000 DC 0.000 MO (0.040) TN 0.010 FICO/ Adjustments - Loan Amount > $1MM DE 0.080 MT (0.020) TX (0.050) % --> < =60 60.01-65 65.01-70 70.01-75 75.01-80 FL 0.190 NC 0.030 UT 0.040 >= 800 (0.375) () 0.000 0.375 0.625 GA (0.010) ND 0.060 VA 0.070 780-799 (0.375) () 0.125 0.500 0.750 HI 0.060 NE 0.000 VT 0.020 760-779 (0.375) (0.125) 0.625 0.875 IA (0.050) NH (0.010) WA 0.100 FICO 740-759 () 0.000 0.375 0.750 1.000 ID 0.070 NJ 0.020 WI (0.040) 720-739 0.000 0.750 1.125 1.500 IL 0.100 NM 0.040 WV (0.020) 700-719 0.500 1.125 1.875 2.250 IN 0.100 NV 0.170 WY 0.010 680-699 n/a n/a n/a n/a n/a KS 0.010 NY (0.050) Feature Adjustments Max Price % --> < =60 60.01-65 65.01-70 70.01-75 75.01-80 20/30 Yr Fixed -2.375 Condo 0.000 0.125 0.375 0.750 15 Yr Fixed -2.375 2nd Home 0.000 0.375 n/a n/a Investment 1.500 2.000 n/a n/a n/a Cashout 0.500 0.625 n/a n/a n/a 2-Unit 0.500 n/a n/a n/a 3-4 Unit 0.500 0.750 n/a n/a n/a Escrow Waiver - except CA Pricing is subject to change without notice NewRezWholesale.com (866)-886-9285 Page 14

1/22/2019 7:00 AM Jumbo Series F Jumbo F - 20/25/30 Yr Fixed - s > 80.00% Jumbo F - 10/15 Yr Fixed 5.625 (2.732) (2.537) (2.341) (2.161) 5.500 (1.157) (0.955) (0.754) (0.569) 4.750 (1.692) (1.558) (1.415) (1.290) 5.500 (2.453) (2.258) (2.062) (1.882) 5.375 (0.746) (0.539) (0.331) (0.143) 4.625 (1.490) (1.356) (1.213) (1.088) 5.375 (2.218) (2.023) (1.827) (1.647) 5.250 (0.350) (0.141) 0.067 0.257 4.500 (1.354) (1.220) (1.077) (0.952) 5.250 (1.898) (1.696) (1.495) (1.311) 5.125 0.064 0.274 0.484 0.674 4.375 (1.187) (1.053) (0.910) (0.785) 5.125 (1.551) (1.343) (1.135) (0.947) 5.000 0.638 0.844 1.050 1.238 4.250 (0.958) (0.824) (0.681) (0.556) 5.000 (1.195) (0.986) (0.777) (0.588) 4.875 1.261 1.463 1.665 1.850 4.125 (0.674) (0.536) (0.388) (0.259) 4.875 (0.828) (0.618) (0.408) (0.218) 4.750 1.887 2.084 2.280 2.462 4.000 (0.336) (0.197) (0.048) 0.082 4.750 (0.379) (0.173) 0.033 0.221 3.875 0.035 0.175 0.325 0.455 4.625 0.097 0.299 0.501 0.686 3.750 0.429 0.566 0.713 0.841 4.500 0.632 0.828 1.025 1.206 3.625 0.901 1.035 1.179 1.305 4.375 1.282 1.474 1.665 1.843 3.500 1.471 1.602 1.741 1.865 4.250 2.034 2.226 2.417 2.595 Jumbo F - 10/1 LIBOR ARM 2/2/5 Jumbo F - 7/1 LIBOR ARM 2/2/5 Jumbo F - 5/1 LIBOR ARM 2/2/5 5.000 (2.379) (2.248) (2.111) (1.988) 4.625 (1.724) (1.608) (1.489) (1.382) 4.750 (1.745) (1.644) (1.543) (1.451) 4.875 (2.168) (2.037) (1.900) (1.777) 4.500 (1.542) (1.426) (1.307) (1.200) 4.625 (1.623) (1.522) (1.421) (1.329) 4.750 (1.909) (1.778) (1.641) (1.518) 4.375 (1.324) (1.208) (1.089) (0.982) 4.500 (1.485) (1.384) (1.283) (1.191) 4.625 (1.638) (1.507) (1.370) (1.247) 4.250 (1.097) (0.981) (0.862) (0.755) 4.375 (1.312) (1.211) (1.110) (1.018) 4.500 (1.353) (1.222) (1.085) (0.962) 4.125 (0.879) (0.763) (0.644) (0.537) 4.250 (1.109) (1.008) (0.907) (0.815) 4.375 (0.972) (0.838) (0.695) (0.570) 4.000 (0.580) (0.461) (0.338) (0.228) 4.125 (0.874) (0.773) (0.672) (0.580) 4.250 (0.510) (0.372) (0.224) (0.095) 3.875 (0.190) (0.069) 0.057 0.169 4.000 (0.634) (0.533) (0.432) (0.340) 4.125 (0.046) 0.093 0.242 0.372 3.750 0.245 0.367 0.494 0.606 3.875 (0.385) (0.281) (0.177) (0.083) 4.000 0.397 0.537 0.687 0.817 3.625 0.699 0.820 0.947 1.059 3.750 (0.093) 0.012 0.116 0.211 3.875 0.984 1.121 1.268 1.396 3.500 1.232 1.351 1.475 1.586 3.625 0.226 0.331 0.436 0.531 3.750 1.717 1.851 1.995 2.121 3.375 1.808 1.924 2.045 2.154 3.500 0.600 0.703 0.806 0.900 Jumbo Series F Adjustments /FICO Adjustments Loan Amount Adjustments Purchase Transactions C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 $1MM 0.000 700-719 (0.750) (0.625) (0.375) (0.125) 0.000 0.625 NA NA $1M - $1.5M 0.000 0.375 0.375 0.375 720-739 (0.750) (0.750) (0.625) (0.375) () 0.000 0.375 0.000 0.375 $1.5M - $2M 0.125 0.125 0.125 0.375 0.375 NA NA NA 740-759 (0.875) (0.875) (0.750) (0.625) (0.375) (0.125) 0.000 (0.375) (0.125) $2M - $2.5M 0.375 0.375 NA NA NA NA 760-779 (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.375) (0.625) (0.500) 780 (1.000) (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.875) (0.750) Feature Adjustments R/T Refinance Transactions C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 2 Unit 0.375 0.375 NA NA NA NA 700-719 (0.500) (0.375) (0.125) 0.125 0.375 0.750 1.125 NA NA 3-4 Unit 0.375 0.375 0.375 0.500 0.625 NA NA NA NA 720-739 (0.500) (0.500) (0.375) (0.125) 0.000 0.375 0.875 0.375 0.875 2nd Home 0.125 0.125 0.125 0.125 0.125 0.25 0.375 NA NA 740-759 (0.750) (0.625) (0.500) (0.375) (0.125) 0.125 0.375 0.000 0.375 Investment 1.125 1.125 1.250 1.500 1.75 NA NA NA NA 760-779 (0.750) (0.750) (0.625) (0.500) (0.375) () (0.125) () 0.000 Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125 0.125 780 (0.750) (0.750) (0.750) (0.625) (0.500) (0.375) () (0.625) (0.375) Sub Fin. 0.000 1.625 1.625 C/O Refinance Transactions Product Adjustments C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 700-719 (0.375) () 0.000 0.375 0.500 NA NA NA NA C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 720-739 (0.375) (0.375) () 0.000 NA NA NA NA 5 yr Hybrid 0.000 NA NA 740-759 (0.625) (0.500) (0.375) () 0.000 NA NA NA NA 7 yr Hybrid 0.000 NA NA 760-779 (0.625) (0.625) (0.500) (0.375) () NA NA NA NA 10 yr Hybrid 0 0 0 NA NA 780 (0.625) (0.625) (0.625) (0.500) (0.375) NA NA NA NA 15 yr Fixed 0 0.125 0.25 NA NA 20 yr Fixed (add 30 yr) State Adjustments 30 yr Fixed 0.000 C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 Special Adjustments ( ) FL, NV 0.375 0.750 1.000 CA 0.000 0.125 C --> 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 QM Fix - Non CA (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) Max Price QM Fixed - CA () () () () () (0.125) 0.000 QM ARM - CA 0.000 0.125 0.125 0.125 0.25 NA NA 30 yr Fixed 30 Yr Fixed 15 yr 7 yr 5 yr 10 yr Hybrid 80% > 80% Fixed Hybrid Hybrid 1,000,000-2.375 (1.875) -1.875-1.625-1.25-1.25 > 1,000,000 (1.875) (1.375) (1.625) (1.375) (1.125) (1.125) Page 15

1/22/2019 08:00 AM Jumbo Series H Jumbo H - 30 Yr Fixed - Purchase Jumbo H - 15 Yr Fixed - Purchase Jumbo H - 5/1 Yr ARM 2/2/5 - Purchase 5.625 (5.033) (4.998) (4.873) (4.748) 5.625 (4.934) (4.899) (4.774) (4.649) 5.000 (4.252) (4.217) (4.092) (3.967) 5.500 (4.658) (4.623) (4.498) (4.373) 5.500 (4.684) (4.649) (4.524) (4.399) 4.875 (4.002) (3.967) (3.842) (3.717) 5.375 (4.408) (4.373) (4.248) (4.123) 5.375 (4.434) (4.399) (4.274) (4.149) 4.750 (3.627) (3.592) (3.467) (3.342) 5.250 (4.033) (3.998) (3.873) (3.748) 5.250 (4.184) (4.149) (4.024) (3.899) 4.625 (3.252) (3.217) (3.092) (2.967) 5.125 (3.658) (3.623) (3.498) (3.373) 5.125 (3.934) (3.899) (3.774) (3.649) 4.500 (2.877) (2.842) (2.717) (2.592) 5.000 (3.158) (3.123) (2.998) (2.873) 5.000 (3.559) (3.524) (3.399) (3.274) 4.375 (2.502) (2.467) (2.342) (2.217) 4.875 (2.783) (2.748) (2.623) (2.498) 4.875 (3.184) (3.149) (3.024) (2.899) 4.250 (2.127) (2.092) (1.967) (1.842) 4.750 (2.283) (2.248) (2.123) (1.998) 4.750 (2.809) (2.774) (2.649) (2.524) 4.125 (1.752) (1.717) (1.592) (1.467) 4.625 (1.908) (1.873) (1.748) (1.623) 4.625 (2.434) (2.399) (2.274) (2.149) 4.000 (1.252) (1.217) (1.092) (0.967) 4.500 (1.283) (1.248) (1.123) (0.998) 4.500 (2.059) (2.024) (1.899) (1.774) 3.875 (0.877) (0.842) (0.717) (0.592) 4.375 (0.783) (0.748) (0.623) (0.498) 4.375 (1.684) (1.649) (1.524) (1.399) 3.750 (0.377) (0.342) (0.217) (0.092) 4.250 (0.158) (0.123) 0.002 0.127 4.250 (1.184) (1.149) (1.024) (0.899) 3.625 (0.002) 0.033 0.158 0.283 4.125 0.342 0.377 0.502 0.627 4.125 (0.809) (0.774) (0.649) (0.524) 3.500 0.498 0.533 0.658 0.783 4.000 1.092 1.127 1.252 1.377 4.000 (0.309) (0.274) (0.149) (0.024) 3.375 0.998 1.033 1.158 1.283 3.875 1.717 1.752 1.877 2.002 3.875 0.066 0.101 0.226 0.351 3.250 1.623 1.658 1.783 1.908 3.750 2.467 2.502 2.627 2.752 3.750 0.566 0.601 0.726 0.851 3.125 2.123 2.158 2.283 2.408 3.625 3.092 3.127 3.252 3.377 3.625 1.066 1.101 1.226 1.351 3.000 2.748 2.783 2.908 3.033 Jumbo H - 7/1 Yr ARM 2/2/5 - Purchase Jumbo H - 10/1 Yr ARM 2/2/5 - Purchase Jumbo H - 30 Yr Fixed - Refinance 4.875 (4.047) (4.012) (3.887) (3.762) 5.250 (4.170) (4.135) (4.010) (3.885) 5.625 (4.783) (4.748) (4.623) (4.498) 4.750 (3.672) (3.637) (3.512) (3.387) 5.125 (3.920) (3.885) (3.760) (3.635) 5.500 (4.408) (4.373) (4.248) (4.123) 4.625 (3.297) (3.262) (3.137) (3.012) 5.000 (3.545) (3.510) (3.385) (3.260) 5.375 (4.158) (4.123) (3.998) (3.873) 4.500 (2.922) (2.887) (2.762) (2.637) 4.875 (3.170) (3.135) (3.010) (2.885) 5.250 (3.783) (3.748) (3.623) (3.498) 4.375 (2.547) (2.512) (2.387) (2.262) 4.750 (2.795) (2.760) (2.635) (2.510) 5.125 (3.408) (3.373) (3.248) (3.123) 4.250 (2.172) (2.137) (2.012) (1.887) 4.625 (2.420) (2.385) (2.260) (2.135) 5.000 (2.908) (2.873) (2.748) (2.623) 4.125 (1.797) (1.762) (1.637) (1.512) 4.500 (2.045) (2.010) (1.885) (1.760) 4.875 (2.533) (2.498) (2.373) (2.248) 4.000 (1.297) (1.262) (1.137) (1.012) 4.375 (1.670) (1.635) (1.510) (1.385) 4.750 (2.033) (1.998) (1.873) (1.748) 3.875 (0.922) (0.887) (0.762) (0.637) 4.250 (1.295) (1.260) (1.135) (1.010) 4.625 (1.658) (1.623) (1.498) (1.373) 3.750 (0.422) (0.387) (0.262) (0.137) 4.125 (0.795) (0.760) (0.635) (0.510) 4.500 (1.033) (0.998) (0.873) (0.748) 3.625 (0.047) (0.012) 0.113 0.238 4.000 (0.420) (0.385) (0.260) (0.135) 4.375 (0.533) (0.498) (0.373) (0.248) 3.500 0.453 0.488 0.613 0.738 3.875 0.080 0.115 0.240 0.365 4.250 0.092 0.127 0.252 0.377 3.375 0.953 0.988 1.113 1.238 3.750 0.455 0.490 0.615 0.740 4.125 0.592 0.627 0.752 0.877 3.250 1.578 1.613 1.738 1.863 3.625 1.080 1.115 1.240 1.365 4.000 1.342 1.377 1.502 1.627 3.125 2.078 2.113 2.238 2.363 3.500 1.580 1.615 1.740 1.865 3.875 1.967 2.002 2.127 2.252 3.000 2.703 2.738 2.863 2.988 3.375 2.205 2.240 2.365 2.490 3.750 2.717 2.752 2.877 3.002 2.875 3.203 3.238 3.363 3.488 3.250 2.705 2.740 2.865 2.990 3.625 3.342 3.377 3.502 3.627 Jumbo H - 15 Yr Fixed - Refinance Jumbo H - 5/1 Yr ARM 2/2/5 - Refinance Jumbo H - 7/1 Yr ARM 2/2/5 - Refinance 5.625 (4.684) (4.649) (4.524) (4.399) 5.000 (4.002) (3.967) (3.842) (3.717) 4.875 (3.797) (3.762) (3.637) (3.512) 5.500 (4.434) (4.399) (4.274) (4.149) 4.875 (3.752) (3.717) (3.592) (3.467) 4.750 (3.422) (3.387) (3.262) (3.137) 5.375 (4.184) (4.149) (4.024) (3.899) 4.750 (3.377) (3.342) (3.217) (3.092) 4.625 (3.047) (3.012) (2.887) (2.762) 5.250 (3.934) (3.899) (3.774) (3.649) 4.625 (3.002) (2.967) (2.842) (2.717) 4.500 (2.672) (2.637) (2.512) (2.387) 5.125 (3.684) (3.649) (3.524) (3.399) 4.500 (2.627) (2.592) (2.467) (2.342) 4.375 (2.297) (2.262) (2.137) (2.012) 5.000 (3.309) (3.274) (3.149) (3.024) 4.375 (2.252) (2.217) (2.092) (1.967) 4.250 (1.922) (1.887) (1.762) (1.637) 4.875 (2.934) (2.899) (2.774) (2.649) 4.250 (1.877) (1.842) (1.717) (1.592) 4.125 (1.547) (1.512) (1.387) (1.262) 4.750 (2.559) (2.524) (2.399) (2.274) 4.125 (1.502) (1.467) (1.342) (1.217) 4.000 (1.047) (1.012) (0.887) (0.762) 4.625 (2.184) (2.149) (2.024) (1.899) 4.000 (1.002) (0.967) (0.842) (0.717) 3.875 (0.672) (0.637) (0.512) (0.387) 4.500 (1.809) (1.774) (1.649) (1.524) 3.875 (0.627) (0.592) (0.467) (0.342) 3.750 (0.172) (0.137) (0.012) 0.113 4.375 (1.434) (1.399) (1.274) (1.149) 3.750 (0.127) (0.092) 0.033 0.158 3.625 0.203 0.238 0.363 0.488 4.250 (0.934) (0.899) (0.774) (0.649) 3.625 0.248 0.283 0.408 0.533 3.500 0.703 0.738 0.863 0.988 4.125 (0.559) (0.524) (0.399) (0.274) 3.500 0.748 0.783 0.908 1.033 3.375 1.203 1.238 1.363 1.488 4.000 (0.059) (0.024) 0.101 0.226 3.375 1.248 1.283 1.408 1.533 3.250 1.828 1.863 1.988 2.113 3.875 0.316 0.351 0.476 0.601 3.250 1.873 1.908 2.033 2.158 3.125 2.328 2.363 2.488 2.613 3.750 0.816 0.851 0.976 1.101 3.125 2.373 2.408 2.533 2.658 3.000 2.953 2.988 3.113 3.238 3.625 1.316 1.351 1.476 1.601 3.000 2.998 3.033 3.158 3.283 2.875 3.453 3.488 3.613 3.738 Jumbo H - 10/1 Yr ARM 2/2/5 - Refinance Jumbo Series H - Adjustments 15 Day 30 Day 45 Day 60 Day 5.250 (3.920) (3.885) (3.760) (3.635) State Adjustments 5.125 (3.670) (3.635) (3.510) (3.385) State 30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed 10/1 ARM 7/1 ARM 5/1 ARM 5.000 (3.295) (3.260) (3.135) (3.010) CA () () (0.125) (0.125) (0.125) (0.125) (0.125) 4.875 (2.920) (2.885) (2.760) (2.635) CT (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) 4.750 (2.545) (2.510) (2.385) (2.260) DC (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 4.625 (2.170) (2.135) (2.010) (1.885) IL () () (0.125) (0.125) (0.125) (0.125) (0.125) 4.500 (1.795) (1.760) (1.635) (1.510) KS () () (0.125) (0.125) (0.125) (0.125) (0.125) 4.375 (1.420) (1.385) (1.260) (1.135) MD (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 4.250 (1.045) (1.010) (0.885) (0.760) MO () () (0.125) (0.125) (0.125) (0.125) (0.125) 4.125 (0.545) (0.510) (0.385) (0.260) NJ (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) 4.000 (0.170) (0.135) (0.010) 0.115 NY (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) 3.875 0.330 0.365 0.490 0.615 VA (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 3.750 0.705 0.740 0.865 0.990 3.625 1.330 1.365 1.490 1.615 Credit Score 3.500 1.830 1.865 1.990 2.115 C --> 60 60.01-70 70.01-75 75.01-80 3.375 2.455 2.490 2.615 2.740 700-719 0.125 0.500 0.875 1.375 3.250 2.955 2.990 3.115 3.240 720-739 (0.125) 0.500 0.875 740-759 (0.375) (0.125) 0.125 0.375 Product Highlights 760-779 (0.500) (0.375) (0.125) 0.125 Max Min FICO Max 780-799 (0.625) (0.500) (0.375) (0.125) Purchase/Rate Term Fixed/Arms Loan Size 800+ (0.750) (0.625) (0.500) (0.375) Primary Residence 80% 700 /720 $1.5MM Second Home 80% 700 /720 $1.5MM Other Adjustments Loan Size Loan Amount >=$1MM -0.125 Cash Out Occupancy Second Home Primary Residence 70% 720 $1.5MM <=50 0.125 Other notes: 10 & 20 Yr Fixed products also available. Purpose Cash Out Refi 50.01-60 >60 0.375 Appraisals must be ordered through Clear Capital. Page 16