Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328

(800) 851-0263 www.crescentmortgage.com Wednesday, March 20, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/20/2019 Price Improvement Effective ET 30Yr. Bond Yield 2.979%, 10Yr. Bond Yield 2.539% as of 3:00 pm ET Marketing Department Information Table Of Contents Email: Marketing@CrescentMortgage.net Page 2 Conventional Fixed and ARM Page 3 FHA / VA and USDA Page 4 & 5 Jumbo Fixed and ARM - Option I & II Rates are good through: 10:30AM the following business day Page 6 DU Refi Plus *** RATES SUBJECT TO CHANGE WITHOUT NOTICE. Page 7 LP Open Access Page 8 DU High Balance & LP Super Conforming Lock Periods Lock Periods: 15-60 days 15 Day - Approved Loans Only Refer to our Pricing and Lock Policy on Document Express for lock extension and re-lock fees Fees: Conventional Conforming FHA VA Purchase Loans $250 VA Refinance Loans No Separate Admin Fee on VA Refinance Loans (See Rate Sheet for price adjustment) Rural Housing Jumbo Option I & II Flood Cert Wholesale Correspondent 1x CP Modification $11 $11 $350 CRESCENT ACCOUNT EXECUTIVES Bob Shellenberger, SVP Sales Mgr 727-638-1583 Amanda Scott AL, MS 251-377-2007 Annessa Frederick FL 239-222-4669 Greg Palas IA, IL, KS, MO, NE 515-360-3722 Ashli Matson GA, SC 770-714-5417 Bob Shellenberger AZ, NM, CA, PA, NJ, TX 727-638-1583 Diane Carlson CT, MA, ME, NH, VT, RI, NJ 781-608-8489 Casey Filburn OR, WA 360-609-8335 Dannie Hinton IN, KY, OH 812-697-4915 Dawn Cooley CO, ID, NV, UT, WY, MT 970-278-9328 Drais Von Hagen NC, TN, WV 865-607-5626 Ian Wright TX, OK 972-880-6018 Michelle McBride TX 214-725-7040 Dan Talley VA, DE, MD, PA 703-424-1095 Rick McKinley IA, KS, MI, MN, ND, SD, WI 763-458-4051 Jeanne Olson IA, KS, MI, MN, ND, SD, WI 218-208-8259 Shy Tittlebaum LA, MS, AR, AL, OK, TX 225-810-6085 THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION. CMC Rates are price indications only and are subject to change without notice

DATE: 03/20/19 Conventional Conforming Fixed / ARM Effective ET EXPIRATION DATES (Must close by expiration date) 30 DAY 04/19/19 60 DAY 05/19/19 LIBOR 12 MONTH 2.810 15 Day Lock for Approved Loans only. FNMA 30 Day Yield 3.817 Fannie Mae Fixed Rate (DU) See Scenario Pricer for 10yr price FNMA Only 30 Year FNMA 20 Year FNMA 15 Year FNMA 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 5.250 104.426 104.326 104.176 103.926 5.250 104.359 104.259 104.109 103.859 4.750 103.761 103.661 103.511 103.261 5.125 104.237 104.137 103.987 103.737 5.125 104.243 104.143 103.993 103.743 4.625 103.590 103.490 103.340 103.090 5.000 104.129 104.029 103.879 103.629 5.000 104.208 104.108 103.958 103.708 4.500 103.513 103.413 103.263 103.013 4.990 104.019 103.919 103.769 103.519 4.990 104.123 104.023 103.873 103.623 4.490 103.393 103.293 103.143 102.893 4.875 103.947 103.847 103.697 103.447 4.875 104.047 103.947 103.797 103.547 4.375 103.495 103.395 103.245 102.995 4.750 103.641 103.541 103.391 103.141 4.750 103.759 103.659 103.509 103.259 4.250 103.025 102.925 102.775 102.525 4.625 103.351 103.251 103.101 102.851 4.625 103.471 103.371 103.221 102.971 4.125 102.717 102.617 102.467 102.217 4.500 102.968 102.868 102.718 102.468 4.500 103.095 102.995 102.845 102.595 4.000 102.393 102.293 102.143 101.893 4.490 102.773 102.673 102.523 102.273 4.490 102.925 102.825 102.675 102.425 3.990 102.198 102.098 101.948 101.698 4.375 102.316 102.216 102.066 101.816 4.375 102.543 102.443 102.293 102.043 3.875 101.859 101.759 101.609 101.359 4.250 101.790 101.690 101.540 101.290 4.250 102.023 101.923 101.773 101.523 3.750 101.363 101.263 101.113 100.863 4.125 101.222 101.122 100.972 100.722 4.125 101.461 101.361 101.211 100.961 3.625 101.067 100.967 100.817 100.567 4.000 100.824 100.724 100.574 100.324 4.000 101.084 100.984 100.834 100.584 3.500 100.602 100.502 100.352 100.102 3.990 100.679 100.579 100.429 100.179 3.990 100.939 100.839 100.689 100.439 3.490 100.467 100.367 100.217 99.967 Freddie Mac Fixed Rates (LP) 30 Year FHLMC 20 Year FHLMC 15 Year FHLMC 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 5.250 104.426 104.326 104.176 103.926 5.250 104.359 104.259 104.109 103.859 4.750 103.761 103.661 103.511 103.261 5.125 104.237 104.137 103.987 103.737 5.125 104.243 104.143 103.993 103.743 4.625 103.590 103.490 103.340 103.090 5.000 104.129 104.029 103.879 103.629 5.000 104.208 104.108 103.958 103.708 4.500 103.513 103.413 103.263 103.013 4.990 104.019 103.919 103.769 103.519 4.990 104.123 104.023 103.873 103.623 4.490 103.393 103.293 103.143 102.893 4.875 103.947 103.847 103.697 103.447 4.875 104.047 103.947 103.797 103.547 4.375 103.495 103.395 103.245 102.995 4.750 103.641 103.541 103.391 103.141 4.750 103.759 103.659 103.509 103.259 4.250 103.025 102.925 102.775 102.525 4.625 103.351 103.251 103.101 102.851 4.625 103.471 103.371 103.221 102.971 4.125 102.717 102.617 102.467 102.217 4.500 102.968 102.868 102.718 102.468 4.500 103.095 102.995 102.845 102.595 4.000 102.393 102.293 102.143 101.893 4.490 102.773 102.673 102.523 102.273 4.490 102.925 102.825 102.675 102.425 3.990 102.198 102.098 101.948 101.698 4.375 102.316 102.216 102.066 101.816 4.375 102.543 102.443 102.293 102.043 3.875 101.859 101.759 101.609 101.359 4.250 101.790 101.690 101.540 101.290 4.250 102.023 101.923 101.773 101.523 3.750 101.363 101.263 101.113 100.863 4.125 101.222 101.122 100.972 100.722 4.125 101.461 101.361 101.211 100.961 3.625 101.067 100.967 100.817 100.567 4.000 100.824 100.724 100.574 100.324 4.000 101.084 100.984 100.834 100.584 3.500 100.602 100.502 100.352 100.102 3.990 100.679 100.579 100.429 100.179 3.990 100.939 100.839 100.689 100.439 3.490 100.467 100.367 100.217 99.967 LIBOR ARM Adjustments for NO ADMIN FEE Program Only 5/1 LIBOR ARM 7/1 LIBOR ARM 10/1 LIBOR ARM 1 YR LIBOR Rate 30 Days Rate 30 Days Rate 30 Days 2.810 Loan Amount $25,000 to $59,999-3.800 Loan Amount $60,000 to $74,999 4.500 101.600 4.625 102.125 4.875 102.200 Margin -1.450 4.375 101.550 4.500 102.050 4.750 102.125 2.25 Loan Amount $75,000 to $99,999-1.200 4.250 101.250 4.375 101.825 4.625 102.050 Non-Convertible Loan Amount $100,000 to $124,999-0.700 4.125 101.050 4.250 101.550 4.500 101.950 Loan Amount $125,000 to $149,999-0.550 4.000 100.800 4.125 101.250 4.375 101.825 Loan Amount $150,000 to $174,999-0.450 3.875 100.500 4.000 100.950 4.250 101.525 Loan Amount $175,000 to $199,999-0.400 3.750 100.150 3.875 100.600 4.125 101.200 Loan Amount $200,000 to $224,999-0.250 3.625 99.825 3.750 100.250 4.000 100.875 Loan Amount $225,000 to $249,999-0.200 3.500 99.475 3.625 99.875 3.875 100.450 Loan Amount $250,000 to $274,999-0.200 3.375 99.125 3.500 99.475 3.750 100.025 LTV > 90% adj -.250 Loan Amount $275,000 to Limit -0.150 5/1, 7/1 & 10/1 LIBOR ARM NOTES : 45 Day Lock subtract 0.150 pt 5/1 Caps 2/2/5, 1 Yr LIBOR, 2.25 Margin. 60 Day Lock subtract 0.400 pt 7/1 & 10/1 Caps 5/2/5, 1 Yr LIBOR, 2.25 Margin. *LP Approved - subtract.50pt from price Loan Amt Price Adjustments for No Admin Fee FNMA/FHLMC Risk Based Pricing LTV / Credit Score Grid Cash Out Refinances LTV / Credit Score Grid Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 90 >90 < = 95 >95 < = 97 Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >= 740 0.000-0.250-0.250-0.500-0.250-0.250-0.250-0.750 => 740-0.375-0.625-0.625-0.875 720 & <= 739 0.000-0.250-0.500-0.750-0.500-0.500-0.500-1.000 >= 720 & <= 739-0.375-1.000-1.000-1.125 700 & <= 719 0.000-0.500-1.000-1.250-1.000-1.000-1.000-1.500 >= 700 & <= 719-0.375-1.000-1.000-1.125 680 & <= 699 0.000-0.500-1.250-1.750-1.500-1.250-1.250-1.500 >= 680 & <= 699-0.375-1.125-1.125-1.750 660 & <= 679 0.000-1.000-2.250-2.750-2.750-2.250-2.250-2.250 >= 660 & <= 679-0.625-1.125-1.125-1.875 640 & <= 659-0.500-1.250-2.750-3.000-3.250-2.750-2.750-2.750 >= 640 & <= 659-0.625-1.625-1.625-2.625 620 & <= 639-0.500-1.500-3.000-3.000-3.250-3.250-3.250-3.500 >= 620 & <= 639-0.625-1.625-1.625 NA < 620 N/A N/A N/A N/A N/A N/A N/A N/A < 620 NA NA NA NA Risk based pricing adjustments apply to all conventional conforming loans except Cash Out adjustments apply to all conventional loans. loans with terms of 180 months or less. ** Texas Cash-Out under $100,000 additional price adj = -.50pt Other Adjustments Subordinate Financing LTV Range CLTV Range Score <720 Score >=720 Add to Price Loan Amount (adjusters do not apply if NO ADMIN FEE program selected) >= $200,000 to Limit <= 75% <= 80% -0.375-0.375 0.100 <= 65% >80% <=95% -0.875-0.625 $50,000 to $99,999-0.250 >65% <=75% >80% <=95% -1.125-0.875 $25,000 to $49,999-1.000 >75% <=95% >76% <=95% -1.375-1.125 < $25,000-2.000 Any >95% -1.500-1.500 Second Home - Freddie Mac LP loans with LTV > 85% -0.250 Escrow Waiver -0.250 LPMI 80.01-85 85.01-90 90.01-95 95.01-97 State Adjusters (Fixed Rate Only) 30,25,20 Yr 15 & 10 Yr Primary - Purchase/RateTerm >=760 (0.700) (1.400) (1.850) (2.250) TX 0.200 0.100 Primary - Purchase/Rate/Term 740-759 (0.850) (2.000) (2.600) (3.250) CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100-0.100 Primary - Purchase/Rate/Term 720-739 (1.000) (2.450) (3.250) (4.150) AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150-0.100 Primary - Purchase Only 680-719 (1.350) (3.600) (4.750) n/a AZ, DC, IA, MI, MT, NV, WV -0.200-0.150 Primary - Rate/Term 680-719 (1.880) (4.130) (5.280) n/a CA -0.300-0.200 SecondHome Purch/RateTerm >=760 (1.100) (2.250) n/a n/a 2-4 Units -1.000 SecondHome Purch/RateTerm 740-759 (1.100) (2.250) n/a n/a Investment Property Minimum $50,000 Loan Amt SecondHome Purch/RateTerm 720-739 (1.490) (2.940) n/a n/a To MAX 85 LTV 1 Unit -4.125 Fannie Mae / Freddie Mac To MAX 80 LTV 1 Unit -3.375 Multiple Financed Properties - INVESTOR and Second Home loans with To MAX 75 LTV 1-4 Units -2.125 5 or more financed properties - Adjust pricing by -2.00 pt Condos LTV > 75% -0.750 Manufactured Housing (Freddie Mac Only) -1.000 HomeReady/HomePossible - a cumulative Agency delivery fee cap applies. *** Contact the marketing dept for 1x CP modification pricing Use Conv Fixed pricing above. Add price adjusters as needed Other CMC fees may still apply (State, Loan Amt, Escrow Waiver,ManuFact Housing..). LTV > 80% and Credit Score >= 680 All other LTV ratios and credit score combinations No Agency fees apply, other CMC fees will still apply Price Cap = 1.50pt

Date: 3/20/2019 Government Effective 15 DAY EXPIRATION DATE 04/04/19 30 DAY EXPIRATION DATE 04/19/19 15 day Locks For Approved Loans Only. 45 DAY EXPIRATION DATE 05/04/19 60 DAY EXPIRATION DATE 05/19/19 FHA/VA 30 Yr, 25 Yr, 20 Yr 15 Days 30 Days 45 Days 60 Days 4.625 104.537 104.437 104.287 103.987 4.500 104.190 104.090 103.940 103.640 4.375 103.459 103.359 103.209 102.909 4.250 103.033 102.933 102.783 102.483 4.125 102.920 102.820 102.670 102.370 4.000 102.543 102.443 102.293 101.993 3.875 102.093 101.993 101.843 101.543 3.750 101.622 101.522 101.372 101.072 FHA/VA 5/1 ARM - Caps 1/5 - Margin 2.00 3.625 101.342 101.242 101.092 100.792 15 Days 30 Days 45 Days 60 Days 3.500 100.869 100.769 100.619 100.319 4.250 97.981 97.881 97.731 97.431 3.375 100.376 100.276 100.126 99.826 4.125 97.611 97.511 97.361 97.061 4.000 97.231 97.131 96.981 96.681 FHA/VA 15 Yr 3.875 96.822 96.722 96.572 96.272 15 Days 30 Days 45 Days 60 Days 3.750 96.440 96.340 96.190 95.890 4.375 102.946 102.846 102.696 102.396 3.625 96.050 95.950 95.800 95.500 4.250 102.783 102.683 102.533 102.233 3.500 95.651 95.551 95.401 95.101 4.125 102.770 102.670 102.520 102.220 4.000 102.405 102.305 102.155 101.855 INDEX : 1 YR Treas : 2.520 3.875 102.027 101.927 101.777 101.477 VA IRRRL not allowed on VA 5/1 ARM Price Tiers by State: For Fixed Only Add to Price: All Borrowers Must Have a Credit Score. RI TX 0.150 Adjustments Based on All Borrowers Mid Score : AL AR AZ DC ID IN MS OR TN VA WA WV -0.050 FHA Score 600-619 (1 Unit, Purchase Only) -2.500 CO DE MD OH -0.100 FHA / VA Score 620-639 -1.500 CA FL MI NJ NV UT WI -0.150 FHA / VA Score 640-679 -0.500 FHA / VA Score => 720 0.250 Loan Amount Price Adjusters (Does not apply to NO ADMIN FEE Option) Total Loan Amount => $200,000 with Base Amt <=Conf Limit 0.100 VA Loans - All transactions -0.250 Total Ln Amt $75,000 to $99,999-0.250 VA Cash Out over 90% LTV -0.500 Total Ln Amt $60,000 to $74,999-0.375 VA Refinance Transactions -The No Admin Fee will be charged on all VA Refis See NoAdminFee Chart Total Ln Amt $25,000 to $59,999-1.000 FHA Streamline Refinance with CLTV over 100% -1.500 Total Ln Amt < $25,000-2.000 20 Yr Term (Deduct from 30 Yr Price) -0.600 FHA High Balance - Over Conforming Limit (base loan amt) - 30 YR Fix ONLY -2.000 VA High Balance Loans - Over Conf Limit to $1,500,000-30 YR Fix ONLY -2.000 FHA/VA/RD - No Admin Fee Program Loan Amt Price Adjustments for No Admin Fee FHA/VA/RH Program Loan Amount $25,000 to $59,999 Loan Amount $60,000 to $74,999 Loan Amount $75,000 to $99,999 Loan Amount $100,000 to $124,999 Loan Amount $125,000 to $149,999 Loan Amount $150,000 to $174,999 Loan Amount $175,000 to $199,999 Loan Amount $200,000 to $224,999 Loan Amount $225,000 to $249,999 Loan Amount $250,000 to $274,999 Loan Amount $275,000 to Limit -3.800 CMC offers the ability to waive the Admin Fee on FHA or VA loans by reducing the price -1.450 with the adjustments located to the left. All other FHA/VA adjustments shown above will apply with -1.200 the exception of the additional loan amt adjustments above this program. -0.700-0.550 ALL VA Refinance Transactions will require this No Admin Fee -0.450-0.400-0.250-0.200-0.200-0.150 Crescent Mortgage Company FHA # 2084000006. Crescent Mortgage Company VA # 6402350000. Please see website for FHA & VA Product Profiles. RURAL HOUSING LOANS Minimum Score 640 *** Homebuyer education maybe required for first time homebuyers by the USDA office 15 Days 30 Days 45 Days 60 Days Price Tiers by State 5.000 103.570 103.470 103.320 103.020 AR, AZ, GA, IN, MN, NC, NM, OK, PA, RI, VT, WI 0.100 4.875 103.434 103.334 103.184 102.884 CO, DE, MA, MD, MT, ND, VA & WY. -0.150 4.750 103.158 103.058 102.908 102.608 CA, ID, MI, NJ, NV, OR, UT, WA. -0.250 4.625 103.087 102.987 102.837 102.537 4.500 102.910 102.810 102.660 102.360 4.375 102.709 102.609 102.459 102.159 Loan Amount Price Adjustment 4.250 102.383 102.283 102.133 101.833 $55,001 to $95,000-0.500 4.125 102.270 102.170 102.020 101.720 $35,000 - $55,000-1.000 Standard Streamline Refinance -0.500 REMINDER: RH 30 Streamlined Assist Refi -0.500 Crescent Mortgage will not close or purchase RD loans with the following commitment language: Score "subject to the availability of Congressionally appropriated funds" Credit Score 640-679 -1.500 THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION.

Date: 3/20/2019 Jumbo Option I Effective EXPIRATION DATES : LIBOR 12 MONTH 2.810 30 DAY 04/19/19 60 DAY 05/19/19 5/1 Jumbo ARM 2/2/5 Caps 15 Yr Jumbo Rate 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day 4.000 101.637 101.237 100.887 4.375 102.020 101.970 101.570 101.220 3.875 101.464 101.064 100.714 4.250 101.935 101.885 101.485 101.135 3.750 101.252 100.852 100.502 4.125 101.808 101.758 101.358 101.008 3.625 101.022 100.622 100.272 4.000 101.478 101.428 101.028 100.678 3.500 100.809 100.409 100.059 3.875 101.249 101.199 100.799 100.449 3.375 100.573 100.173 99.823 3.750 100.787 100.737 100.337 99.987 3.250 100.274 99.874 99.524 3.625 100.192 100.142 99.742 99.392 7/1 Jumbo ARM 5/2/5 Caps Rate 30 Day 45 Day 60 Day 4.125 101.896 101.496 101.146 4.000 101.728 101.328 100.978 3.875 101.569 101.169 100.819 Jumbo One Close CP Program 3.750 101.332 100.932 100.582 Modification to 7/1 Jumbo LIBOR ARM 5/2/5 2.75 Margin 3.625 101.083 100.683 100.333 Rate 30 Day 45 Day 60Day 3.500 100.864 100.464 100.114 3.375 100.454 100.054 99.704 4.375 101.896 101.496 101.146 4.250 101.728 101.328 100.978 10/1 Jumbo ARM 5/2/5 Caps 4.125 101.569 101.169 100.819 Rate 30 Day 45 Day 60 Day 4.000 101.332 100.932 100.582 3.875 101.083 100.683 100.333 4.250 102.092 101.692 101.342 3.750 100.864 100.464 100.114 4.125 102.076 101.676 101.326 3.625 100.454 100.054 99.704 4.000 102.028 101.628 101.278 3.875 101.586 101.186 100.836 Escrow Waiver -0.250 3.750 101.060 100.660 100.310 LTV > 70% -0.375 3.625 100.762 100.362 100.012 Second Home -0.500 3.500 100.198 99.798 99.448 All ARMs Margin 2.25, Index 1 Yr Libor Note - All loans that close with Crescent's funds Must close in name Crescent Mortgage Company. Second Home -0.375 Interest Credit is not allowed. Adjustments for All Jumbo Products : Escrow Waiver -0.250 LTV >70% -0.375 All Jumbo Loans Must be Run DU State: Texas and California -1.000 Please see website for JUMBO parameters. For Primary Residence and Second Homes Only. THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION.

Date: 3/20/2019 Jumbo Option II Effective EXPIRATION DATES : LIBOR 12 MONTH 2.810 30 DAY 04/19/19 60 DAY 05/19/19 5/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin 30 Yr Jumbo II MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day 4.750 102.152 102.002 101.852 5.375 102.777 102.627 102.477 4.625 101.911 101.761 101.611 5.250 102.559 102.409 102.259 4.500 101.719 101.569 101.419 5.125 102.282 102.132 101.982 4.375 101.518 101.368 101.218 5.000 101.967 101.817 101.667 4.250 101.277 101.127 100.977 4.875 101.646 101.496 101.346 4.125 100.990 100.840 100.690 4.750 101.323 101.173 101.023 4.000 100.721 100.571 100.421 4.625 101.159 101.009 100.859 7/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin 15 Yr Jumbo II MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day 4.750 102.560 102.410 102.260 5.000 102.523 102.373 102.223 4.625 102.305 102.155 102.005 4.875 102.374 102.224 102.074 4.500 102.027 101.877 101.727 4.750 102.064 101.914 101.764 4.375 101.824 101.674 101.524 4.625 101.786 101.636 101.486 4.250 101.579 101.429 101.279 4.500 101.608 101.458 101.308 4.125 101.271 101.121 100.971 4.375 101.298 101.148 100.998 4.000 100.916 100.766 100.616 4.250 101.188 101.038 100.888 10/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 4.875 102.250 102.100 101.950 4.750 101.924 101.774 101.624 4.625 101.713 101.563 101.413 4.500 101.537 101.387 101.237 4.375 101.285 101.135 100.985 4.250 101.015 100.865 100.715 4.125 100.692 100.542 100.392 Pricing Adjustments: CLTV MAX NET PRICE = 102.00 FICO CLTV<= 55% 55.01-60.00% 60.01-65.00% 65.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% The 102.00 price includes adding back >= 780 0.500 0.500 0.500 0.375 0.250 0.000-0.125-0.375 LPO Comp 760-779 0.500 0.375 0.375 0.375 0.125-0.125-0.250-0.500 Lock Pricing will be updated after 740-759 0.500 0.375 0.250 0.250 0.000-0.250-0.500-0.750 initial lock transaction if net price is greater than 102. 720-739 0.500 0.375 0.250 0.250 0.000-0.500-0.750 N/A New confirmation will be issued to reflect 102 pricing 700-719 0.375 0.250 0.125 0.000-0.250-0.625 N/A N/A 680-699 0.375 0.250 0.125 0.000 N/A N/A N/A N/A Purchase 0.375 0.375 0.250 0.250 0.250 0.250 0.000 0.000 CashOut Refi 0.000 0.000-0.250-0.750-1.500 N/A N/A N/A 2nd Home 0.000 0.000 0.000 0.000-0.125-0.125 N/A N/A High LTV 0.000 0.000 0.000 0.000 0.000 0.000-0.500-1.000 Loan Amt > 1mm <= 1.5mm 0.000 0.000 0.000-0.125-0.375 N/A N/A Loan Amt > 1.5mm 0.000 0.000-0.125-0.250-0.500 N/A N/A Escrow Waiver -0.125 THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION.

Fannie Mae DU Refi Plus Date: 3/20/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/19/19 60 DAY 05/19/19 Fannie Mae DU Refi Plus 30 yr FNMA DU Refi Plus 20 yr FNMA DU Refi Plus 15 yr FNMA DU Refi Plus 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 5.250 102.901 102.801 102.651 5.250 103.294 103.194 103.044 4.750 101.326 101.226 101.076 5.125 102.462 102.362 102.212 5.125 102.943 102.843 102.693 4.625 101.065 100.965 100.815 5.000 102.154 102.054 101.904 5.000 102.508 102.408 102.258 4.500 100.963 100.863 100.713 4.990 102.034 101.934 101.784 4.990 102.388 102.288 102.138 4.490 100.843 100.743 100.593 4.875 101.847 101.747 101.597 4.875 102.462 102.362 102.212 4.375 100.960 100.860 100.710 4.750 101.356 101.256 101.106 4.750 102.009 101.909 101.759 4.250 100.490 100.390 100.240 4.625 101.326 101.226 101.076 4.625 101.536 101.436 101.286 4.125 99.967 99.867 99.717 4.500 100.918 100.818 100.668 4.500 101.030 100.930 100.780 4.000 99.543 99.443 99.293 4.490 100.798 100.698 100.548 4.490 100.910 100.810 100.660 3.990 99.423 99.323 99.173 4.375 100.441 100.341 100.191 4.375 100.718 100.618 100.468 3.875 99.144 99.044 98.894 4.250 99.915 99.815 99.665 4.250 100.258 100.158 100.008 3.750 98.598 98.498 98.348 4.125 99.347 99.247 99.097 4.125 99.826 99.726 99.576 3.625 98.317 98.217 98.067 4.000 98.949 98.849 98.699 4.000 99.309 99.209 99.059 3.500 97.837 97.737 97.587 3.990 98.829 98.729 98.579 3.990 99.189 99.089 98.939 3.490 97.717 97.617 97.467 DU Refi Plus Agency Price Adjusters Price Cap for FNMA Fees Price CAP Primary Residence LTV >80% / Amort Term > 240 0.750 DU Refi Plus loans will have a cumulative delivery fee cap. Other CMC fees may still apply. Primary Residence LTV >80% / Amort Term <= 240 0.000 Risk based pricing adjustments apply to all conventional conforming loans except with terms of 180 months or less. All other transactions 2.000 Risk Based Pricing LTV / Credit Score Grid Other Adjustments Add to Price LTV Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 95 >95 < = 150 2-4 Units -1.000 >= 740 0.000-0.250-0.250-0.250 0.000 0.000 >= 720 & <= 739 0.000-0.250-0.250-0.250 0.000 0.000 Investment Property LTV <= 75-2.000 >= 700 & <= 719 0.000-0.500-0.750-0.750-0.500-0.500 Minimum $50,000 Loan Amt LTV <= 80-2.000 >= 680 & <= 699 0.000-0.500-0.750-0.750-0.750-0.500 LTV <= 90-2.000 >= 660 & <= 679 0.000-1.000-1.500-1.750-1.750-1.250 >= 640 & <= 659-0.500-1.250-1.750-1.750-1.750-1.750 >= 620 & <= 639-0.500-1.500-1.750-1.750-1.750-1.750 Condos LTV > 75% -0.750 < 620 n/a n/a n/a n/a n/a n/a High LTV: 95.00 < LTV <= 97.00-0.500 Subordinate Financing High LTV: 97.00 < LTV <= 150.00-1.000 LTV Range CLTV Range Score <720 Score >=720 <= 75% <= 80% -0.375-0.375 <= 65% >80% <=95% -0.875-0.625 >65% <=75% >80% <=95% -1.125-0.875 >75% <=95% >76% <=95% -1.375-1.125 Any >95% -1.875-1.875 Other Non-Capped Price Adjusters for DU Refi Plus Loan Amount Multiple Financed Properties - INVESTOR and Second Home loans with >= $200,000 to Limit 0.100 5 to 10 financed properties - Adjust pricing by -1.50pt $50,000 to $99,999-0.250 $25,000 to $49,999-1.000 < $25,000-2.000 Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250 High LTV (Not price capped) State Adjusters 30,25,20 Yr 15 & 10 Yr LTV % >=105 < 125% -0.625 TX 0.100 0.000 CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA -0.100-0.100 LTV% >= 125% -1.250 AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150-0.100 AZ, DC, IA, MI, MT, NV, WV -0.200-0.150 CA -0.300-0.200

Freddie Mac Open Access Date: 3/20/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/19/19 60 DAY 05/19/19 Freddie Mac Open Access 30 yr FHLMC LP Open Access 20 yr FHLMC LP Open Access 15 yr FHLMC LP Open Access 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 5.250 103.151 103.051 102.901 5.250 103.294 103.194 103.044 4.750 102.326 102.226 102.076 5.125 102.712 102.612 102.462 5.125 102.943 102.843 102.693 4.625 102.065 101.965 101.815 5.000 102.404 102.304 102.154 5.000 102.508 102.408 102.258 4.500 101.963 101.863 101.713 4.990 102.284 102.184 102.034 4.990 102.388 102.288 102.138 4.490 101.843 101.743 101.593 4.875 102.097 101.997 101.847 4.875 102.462 102.362 102.212 4.375 101.960 101.860 101.710 4.750 101.606 101.506 101.356 4.750 102.009 101.909 101.759 4.250 101.490 101.390 101.240 4.625 101.326 101.226 101.076 4.625 101.536 101.436 101.286 4.125 100.967 100.867 100.717 4.500 100.918 100.818 100.668 4.500 101.030 100.930 100.780 4.000 100.543 100.443 100.293 4.490 100.798 100.698 100.548 4.490 100.910 100.810 100.660 3.990 100.423 100.323 100.173 4.375 100.441 100.341 100.191 4.375 100.718 100.618 100.468 3.875 100.144 100.044 99.894 4.250 99.915 99.815 99.665 4.250 100.258 100.158 100.008 3.750 99.598 99.498 99.348 4.125 99.347 99.247 99.097 4.125 99.826 99.726 99.576 3.625 99.317 99.217 99.067 4.000 98.949 98.849 98.699 4.000 99.309 99.209 99.059 3.500 98.837 98.737 98.587 3.990 98.829 98.729 98.579 3.990 99.189 99.089 98.939 3.490 98.717 98.617 98.467 LP Open Access Agency Price Adjusters Price Cap for FHLMC Fees Price CAP Primary Residence / LTV >80% / Amort Term > 240: LP Open Access loans will have a cumulative delivery fee cap. Other CMC fees may still apply. LTV > 80% <= 105% 0.75 LTV > 105% 1.25 Risk based pricing adjustments apply to all conventional conforming loans except with terms of 180 months or less. Primary Residence / LTV >80% / Amort Term <= 240: LTV > 80% <= 105% 0.00 Risk Based Pricing LTV / Credit Score Grid LTV > 105% 0.75 LTV All other transactions 2.00 Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 125 >= 740 0.000-0.250-0.250-0.500 0.000 0.000 >= 720 & <= 739 0.000-0.250-0.500-0.750 0.000 0.000 Other Adjustments Add to Price >= 700 & <= 719 0.000-0.500-1.000-1.250-0.500-0.500 >= 680 & <= 699 0.000-0.500-1.250-1.750-1.000-0.750 2-4 Units -1.000 >= 660 & <= 679 0.000-1.000-1.750-1.750-1.750-1.750 >= 640 & <= 659-0.500-1.250-1.750-1.750-1.750-1.750 Investment Property LTV <= 75-2.000 >= 620 & <= 639-0.500-1.500-1.750-1.750-1.750-1.750 Minimum $50,000 Loan Amt LTV <= 80-2.000 < 620 n/a n/a n/a n/a n/a n/a LTV <= 90-2.000 Condos LTV > 75% -0.750 Subordinate Financing LTV Range CLTV Range Score <720 Score >=720 High LTV: 95.00 < LTV <= 97.00-0.500 <= 75% <= 80% -0.375-0.375 High LTV: 97.00 < LTV <= 105.00-1.000 <= 65% >80% <=95% -0.875-0.625 High LTV: > 105-2.000 >65% <=75% >80% <=95% -1.125-0.875 >75% <=95% >76% <=95% -1.375-1.125 Any >95% -1.875-1.875 Other Non-Capped Price Adjusters for LP Open Access Loan Amount All LP Open Access loans with LTV over 105% -0.625 >= $200,000 to Limit 0.100 This is a non-capped price adjuster $50,000 to $99,999-0.250 $25,000 to $49,999-1.000 < $25,000-2.000 Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250 State Adjusters 30,25,20 Yr 15 & 10 Yr TX 0.100 0.000 CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA -0.100-0.100 AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150-0.100 AZ, DC, IA, MI, MT, NV, WV -0.200-0.150 CA -0.300-0.200

FNMA High Balance / FHLMC Super Conforming Date: 3/20/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/19/19 60 DAY 05/19/19 Fannie Mae High Balance 30 yr FNMA High Balance 15 yr FNMA High Balance 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 5.500 103.900 103.800 103.650 103.400 4.500 102.320 102.220 102.070 101.820 5.375 103.565 103.465 103.315 103.065 4.375 102.322 102.222 102.072 101.822 5.250 103.190 103.090 102.940 102.690 4.250 101.990 101.890 101.740 101.490 5.125 102.840 102.740 102.590 102.340 4.125 101.639 101.539 101.389 101.139 5.000 103.014 102.914 102.764 102.514 4.000 101.321 101.221 101.071 100.821 4.875 102.632 102.532 102.382 102.132 3.875 100.983 100.883 100.733 100.483 4.750 102.127 102.027 101.877 101.627 3.750 100.596 100.496 100.346 100.096 4.625 101.705 101.605 101.455 101.205 3.625 100.192 100.092 99.942 99.692 4.500 101.449 101.349 101.199 100.949 3.500 99.876 99.776 99.626 99.376 4.375 101.045 100.945 100.795 100.545 3.375 99.474 99.374 99.224 98.974 4.250 100.449 100.349 100.199 99.949 3.250 99.104 99.004 98.854 98.604 4.125 100.041 99.941 99.791 99.541 3.125 98.548 98.448 98.298 98.048 4.000 99.771 99.671 99.521 99.271 3.000 98.143 98.043 97.893 97.643 3.875 99.350 99.250 99.100 98.850 2.875 97.726 97.626 97.476 97.226 See www.fhfa.gov for High Cost Areas Fannie Mae High Balance Price Adjusters The Following Adjustments Apply and are Cumulative: Risk Based Pricing LTV / Credit Score Grid Subordinate Financing LTV Range CLTV Range Score <720 Score >=720 Loans with terms of 180 months will not be adjusted with LTV/Score price adjusters LTV >75 <=90 >76 <=90-1.000-0.750 Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 95 >= 740 0.000-0.250-0.250-0.500-0.250-0.250 Cash Out Refinances LTV / Credit Score Grid >= 720 & <= 739 0.000-0.250-0.500-0.750-0.500-0.500 LTV >= 700 & <= 719 0.000-0.500-1.000-1.250-1.000-1.000 Credit Score < = 60 >60 <=70 >70<=75 >75<=80 >= 680 & <= 699 0.000-0.500-1.250-1.750-1.500-1.250 => 740-1.375-1.625-1.625-1.875 >= 660 & <= 679 0.000-1.000-2.250-2.750-2.750-2.250 => 720-739 -1.375-2.000-2.000-2.125 >= 640 & <= 659-0.500-1.250-2.750-3.000-3.250-2.750 => 700-719 -1.375-2.000-2.000-2.125 >= 620 & <= 639-0.500-1.500-3.000-3.000-3.250-3.250 => 680-699 -1.375-2.125-2.125-2.750 => 660-679 -1.625-2.125-2.125-2.875 Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250 State Adjusters (if applicable) 30 Yr 15 Yr TX 0.100 0.000 CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA -0.100-0.100 AL, AR, DE, IL, IN, KY, MD, MN, NE, OH, VA, WI -0.150-0.100 DC, IA, MI, MT, NV, WV -0.200-0.150 CA -0.300-0.200 Freddie Mac Super Conforming The Following Adjustments Apply and are Cumulative: 30 yr FHLMC Super Conforming Risk Based Pricing LTV / Credit Score Grid 15 Days 30 Days 45 Days 60 Days > 60 & > 70 & > 75 & > 80 & > 85 & 5.250 103.051 102.951 102.801 102.551 Credit Score <= 60 <= 70 <= 75 <= 80 <= 85 <= 90 5.125 102.662 102.562 102.412 102.162 >= 740 0.000-0.250-0.250-0.500-0.250-0.250 5.000 102.854 102.754 102.604 102.354 720 <= 739 0.000-0.250-0.500-0.750-0.500-0.500 4.990 102.734 102.634 102.484 102.234 700 <= 719 0.000-0.500-1.000-1.250-1.000-1.000 4.875 102.372 102.272 102.122 101.872 680 <= 699 0.000-0.500-1.250-1.750-1.500-1.250 4.750 101.931 101.831 101.681 101.431 660 <= 679 0.000-1.000-2.250 n/a n/a n/a 4.625 101.861 101.761 101.611 101.361 640 <= 659-0.500-1.250-2.750 n/a n/a n/a 4.500 101.503 101.403 101.253 101.003 4.490 101.383 101.283 101.133 100.883 4.375 101.106 101.006 100.856 100.606 Subordinate Financing 4.250 100.490 100.390 100.240 99.990 LTV CLTV < 720 => 720 4.125 99.947 99.847 99.697 99.447 75.01 <= 90 75.01-90.00-1.000-0.750 Cash Out Refinances LTV / Credit Score Grid Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250 LTV State Adjusters (if applicable) 30 Yr Credit Score < = 60 > 60 <= 70 => 740-1.375-1.625 >= 720 & <= 739-1.375-2.000 CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA -0.100 >= 700 & <= 719-1.375-2.000 AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150 AZ, DC, IA, MT, NV, WV -0.200 CA -0.300