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

(800) 851-0263 www.crescentmortgage.com Tuesday, March 26, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/26/2019 Housing StartsMoM -8.7% To 1162K in Feb. Building Permits MoM -1.6% To 1296K. FHFA House Price Index MoM +0.6% in Jan. S&P CoreLogic CaseShiller HPI YoY 4.26% in Jan. Conf Board Consumer Confidence Down To 124.1 in Mar. 30Yr. Bond Yield 2.870%, 10Yr. Bond Yield 2.425% as of 10:25 am 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 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: 03/26/19 Conventional Conforming Fixed / ARM Effective ET EXPIRATION DATES (Must close by expiration date) 30 DAY 04/25/19 60 DAY 05/25/19 LIBOR 12 MONTH 2.746 15 Day Lock for Approved Loans only. FNMA 30 Day Yield 3.587 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 4.875 104.103 104.003 103.853 103.603 4.875 104.087 103.987 103.837 103.587 4.375 103.503 103.403 103.253 103.003 4.750 103.814 103.714 103.564 103.314 4.750 103.833 103.733 103.583 103.333 4.250 103.102 103.002 102.852 102.602 4.625 103.747 103.647 103.497 103.247 4.625 103.803 103.703 103.553 103.303 4.125 102.788 102.688 102.538 102.288 4.500 103.422 103.322 103.172 102.922 4.500 103.483 103.383 103.233 102.983 4.000 102.491 102.391 102.241 101.991 4.490 103.287 103.187 103.037 102.787 4.490 103.363 103.263 103.113 102.863 3.990 102.331 102.231 102.081 101.831 4.375 103.017 102.917 102.767 102.517 4.375 103.098 102.998 102.848 102.598 3.875 102.236 102.136 101.986 101.736 4.250 102.542 102.442 102.292 102.042 4.250 102.588 102.488 102.338 102.088 3.750 101.905 101.805 101.655 101.405 4.125 101.986 101.886 101.736 101.486 4.125 102.018 101.918 101.768 101.518 3.625 101.555 101.455 101.305 101.055 4.000 101.595 101.495 101.345 101.095 4.000 101.636 101.536 101.386 101.136 3.500 101.111 101.011 100.861 100.611 3.990 101.475 101.375 101.225 100.975 3.990 101.516 101.416 101.266 101.016 3.490 100.976 100.876 100.726 100.476 3.875 101.153 101.053 100.903 100.653 3.875 101.293 101.193 101.043 100.793 3.375 100.598 100.498 100.348 100.098 3.750 100.554 100.454 100.304 100.054 3.750 100.767 100.667 100.517 100.267 3.250 100.249 100.149 99.999 99.749 3.625 99.883 99.783 99.633 99.383 3.625 100.228 100.128 99.978 99.728 3.125 99.949 99.849 99.699 99.449 3.500 99.143 99.043 98.893 98.643 3.500 99.733 99.633 99.483 99.233 3.000 99.435 99.335 99.185 98.935 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 4.875 104.103 104.003 103.853 103.603 4.875 104.087 103.987 103.837 103.587 4.375 103.503 103.403 103.253 103.003 4.750 103.814 103.714 103.564 103.314 4.750 103.833 103.733 103.583 103.333 4.250 103.102 103.002 102.852 102.602 4.625 103.747 103.647 103.497 103.247 4.625 103.803 103.703 103.553 103.303 4.125 102.788 102.688 102.538 102.288 4.500 103.422 103.322 103.172 102.922 4.500 103.483 103.383 103.233 102.983 4.000 102.491 102.391 102.241 101.991 4.490 103.287 103.187 103.037 102.787 4.490 103.363 103.263 103.113 102.863 3.990 102.331 102.231 102.081 101.831 4.375 103.017 102.917 102.767 102.517 4.375 103.098 102.998 102.848 102.598 3.875 102.236 102.136 101.986 101.736 4.250 102.542 102.442 102.292 102.042 4.250 102.588 102.488 102.338 102.088 3.750 101.905 101.805 101.655 101.405 4.125 101.986 101.886 101.736 101.486 4.125 102.018 101.918 101.768 101.518 3.625 101.555 101.455 101.305 101.055 4.000 101.595 101.495 101.345 101.095 4.000 101.636 101.536 101.386 101.136 3.500 101.111 101.011 100.861 100.611 3.990 101.475 101.375 101.225 100.975 3.990 101.516 101.416 101.266 101.016 3.490 100.976 100.876 100.726 100.476 3.875 101.153 101.053 100.903 100.653 3.875 101.293 101.193 101.043 100.793 3.375 100.598 100.498 100.348 100.098 3.750 100.554 100.454 100.304 100.054 3.750 100.767 100.667 100.517 100.267 3.250 100.249 100.149 99.999 99.749 3.625 99.883 99.783 99.633 99.383 3.625 100.228 100.128 99.978 99.728 3.125 99.949 99.849 99.699 99.449 3.500 99.143 99.043 98.893 98.643 3.500 99.733 99.633 99.483 99.233 3.000 99.435 99.335 99.185 98.935 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 2.746 Loan Amount $25,000 to $59,999-3.800 Loan Amount $60,000 to $74,999 4.125 101.300 4.375 101.925 4.625 101.950 Margin -1.450 4.000 101.150 4.250 101.725 4.500 101.925 2.25 Loan Amount $75,000 to $99,999-1.200 3.875 101.000 4.125 101.525 4.375 101.900 Non-Convertible Loan Amount $100,000 to $124,999-0.700 3.750 100.825 4.000 101.275 4.250 101.650 Loan Amount $125,000 to $149,999-0.550 3.625 100.550 3.875 100.925 4.125 101.400 Loan Amount $150,000 to $174,999-0.450 3.500 100.300 3.750 100.575 4.000 101.125 Loan Amount $175,000 to $199,999-0.400 3.375 100.050 3.625 100.175 3.875 100.825 Loan Amount $200,000 to $224,999-0.250 3.250 99.750 3.500 99.775 3.750 100.350 Loan Amount $225,000 to $249,999-0.200 3.125 99.400 3.375 99.375 3.625 99.850 Loan Amount $250,000 to $274,999-0.200 3.000 98.900 3.250 98.975 3.500 99.300 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: 3/26/2019 Government Effective 15 DAY EXPIRATION DATE 04/10/19 30 DAY EXPIRATION DATE 04/25/19 15 day Locks For Approved Loans Only. 45 DAY EXPIRATION DATE 05/10/19 60 DAY EXPIRATION DATE 05/25/19 FHA/VA 30 Yr, 25 Yr, 20 Yr 15 Days 30 Days 45 Days 60 Days 4.625 104.747 104.647 104.497 104.197 4.500 104.382 104.282 104.132 103.832 4.375 103.793 103.693 103.543 103.243 4.250 103.623 103.523 103.373 103.073 4.125 103.598 103.498 103.348 103.048 4.000 103.283 103.183 103.033 102.733 3.875 102.795 102.695 102.545 102.245 3.750 102.334 102.234 102.084 101.784 FHA/VA 5/1 ARM - Caps 1/5 - Margin 2.00 3.625 102.235 102.135 101.985 101.685 15 Days 30 Days 45 Days 60 Days 3.500 101.772 101.672 101.522 101.222 4.250 97.981 97.881 97.731 97.431 3.375 101.290 101.190 101.040 100.740 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 4.125 102.991 102.891 102.741 102.441 3.625 96.050 95.950 95.800 95.500 4.000 102.634 102.534 102.384 102.084 3.500 95.651 95.551 95.401 95.101 3.875 102.262 102.162 102.012 101.712 3.750 101.878 101.778 101.628 101.328 INDEX : 1 YR Treas : 2.480 3.625 101.282 101.182 101.032 100.732 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 4.750 103.275 103.175 103.025 102.725 AR, AZ, GA, IN, MN, NC, NM, OK, PA, RI, VT, WI 0.100 4.625 103.197 103.097 102.947 102.647 CO, DE, MA, MD, MT, ND, VA & WY. -0.150 4.500 103.102 103.002 102.852 102.552 CA, ID, MI, NJ, NV, OR, UT, WA. -0.250 4.375 102.993 102.893 102.743 102.443 4.250 102.823 102.723 102.573 102.273 4.125 102.748 102.648 102.498 102.198 Loan Amount Price Adjustment 4.000 102.533 102.433 102.283 101.983 $55,001 to $95,000-0.500 3.875 102.115 102.015 101.865 101.565 $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: 3/26/2019 Jumbo Option I Effective EXPIRATION DATES : LIBOR 12 MONTH 2.746 30 DAY 04/25/19 60 DAY 05/25/19 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 3.875 101.513 101.113 100.763 4.250 102.261 102.211 101.811 101.461 3.750 101.342 100.942 100.592 4.125 102.144 102.094 101.694 101.344 3.625 101.168 100.768 100.418 4.000 102.044 101.994 101.594 101.244 3.500 100.982 100.582 100.232 3.875 101.743 101.693 101.293 100.943 3.375 100.797 100.397 100.047 3.750 101.423 101.373 100.973 100.623 3.250 100.551 100.151 99.801 3.625 101.037 100.987 100.587 100.237 3.125 100.276 99.876 99.526 3.500 100.485 100.435 100.035 99.685 7/1 Jumbo ARM 5/2/5 Caps Rate 30 Day 45 Day 60 Day 4.000 101.836 101.436 101.086 3.875 101.701 101.301 100.951 3.750 101.464 101.064 100.714 Jumbo One Close CP Program 3.625 101.271 100.871 100.521 Modification to 7/1 Jumbo LIBOR ARM 5/2/5 2.75 Margin 3.500 101.108 100.708 100.358 Rate 30 Day 45 Day 60Day 3.375 100.843 100.443 100.093 3.250 100.469 100.069 99.719 4.250 101.836 101.436 101.086 4.125 101.701 101.301 100.951 10/1 Jumbo ARM 5/2/5 Caps 4.000 101.464 101.064 100.714 Rate 30 Day 45 Day 60 Day 3.875 101.271 100.871 100.521 3.750 101.108 100.708 100.358 4.125 102.136 101.736 101.386 3.625 100.843 100.443 100.093 4.000 102.097 101.697 101.347 3.500 100.469 100.069 99.719 3.875 102.043 101.643 101.293 3.750 101.725 101.325 100.975 Escrow Waiver -0.250 3.625 101.400 101.000 100.650 LTV > 70% -0.375 3.500 100.866 100.466 100.116 Second Home -0.500 3.375 100.333 99.933 99.583 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: 3/26/2019 Jumbo Option II Effective EXPIRATION DATES : LIBOR 12 MONTH 2.746 30 DAY 04/25/19 60 DAY 05/25/19 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 4.500 102.183 102.033 101.883 5.125 102.451 102.301 102.151 4.375 101.960 101.810 101.660 5.000 102.218 102.068 101.918 4.250 101.737 101.587 101.437 4.875 101.902 101.752 101.602 4.125 101.556 101.406 101.256 4.750 101.643 101.493 101.343 4.000 101.275 101.125 100.975 4.625 101.399 101.249 101.099 3.875 100.978 100.828 100.678 4.500 101.256 101.106 100.956 3.750 100.663 100.513 100.363 4.375 100.766 100.616 100.466 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 4.500 102.460 102.310 102.160 4.500 102.029 101.879 101.729 4.375 102.282 102.132 101.982 4.375 101.949 101.799 101.649 4.250 102.049 101.899 101.749 4.250 101.652 101.502 101.352 4.125 101.794 101.644 101.494 4.125 101.337 101.187 101.037 4.000 101.549 101.399 101.249 4.000 101.110 100.960 100.810 3.875 101.167 101.017 100.867 3.875 100.768 100.618 100.468 3.750 100.764 100.614 100.464 3.750 100.393 100.243 100.093 10/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 4.625 102.251 102.101 101.951 4.500 102.082 101.932 101.782 4.375 101.887 101.737 101.587 4.250 101.634 101.484 101.334 4.125 101.321 101.171 101.021 4.000 100.976 100.826 100.676 3.875 100.663 100.513 100.363 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: 3/26/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/25/19 60 DAY 05/25/19 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 4.875 102.153 102.053 101.903 4.875 102.772 102.672 102.522 4.375 101.103 101.003 100.853 4.750 101.664 101.564 101.414 4.750 102.318 102.218 102.068 4.250 100.652 100.552 100.402 4.625 101.597 101.497 101.347 4.625 101.853 101.753 101.603 4.125 100.138 100.038 99.888 4.500 101.207 101.107 100.957 4.500 101.583 101.483 101.333 4.000 99.716 99.616 99.466 4.490 101.087 100.987 100.837 4.490 101.463 101.363 101.213 3.990 99.596 99.496 99.346 4.375 100.742 100.642 100.492 4.375 101.273 101.173 101.023 3.875 99.336 99.236 99.086 4.250 100.492 100.392 100.242 4.250 100.838 100.738 100.588 3.750 99.070 98.970 98.820 4.125 100.171 100.071 99.921 4.125 100.393 100.293 100.143 3.625 98.805 98.705 98.555 4.000 99.780 99.680 99.530 4.000 99.886 99.786 99.636 3.500 98.346 98.246 98.096 3.990 99.660 99.560 99.410 3.990 99.766 99.666 99.516 3.490 98.226 98.126 97.976 3.875 99.353 99.253 99.103 3.875 99.643 99.543 99.393 3.375 97.898 97.798 97.648 3.750 98.754 98.654 98.504 3.750 99.167 99.067 98.917 3.250 97.549 97.449 97.299 3.625 98.083 97.983 97.833 3.625 98.653 98.553 98.403 3.125 97.299 97.199 97.049 3.500 97.343 97.243 97.093 3.500 98.533 98.433 98.283 3.000 96.785 96.685 96.535 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: 3/26/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/25/19 60 DAY 05/25/19 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 4.875 102.403 102.303 102.153 4.875 102.772 102.672 102.522 4.375 102.103 102.003 101.853 4.750 101.914 101.814 101.664 4.750 102.318 102.218 102.068 4.250 101.652 101.552 101.402 4.625 101.847 101.747 101.597 4.625 101.853 101.753 101.603 4.125 101.138 101.038 100.888 4.500 101.457 101.357 101.207 4.500 101.583 101.483 101.333 4.000 100.716 100.616 100.466 4.490 101.337 101.237 101.087 4.490 101.463 101.363 101.213 3.990 100.596 100.496 100.346 4.375 100.992 100.892 100.742 4.375 101.273 101.173 101.023 3.875 100.336 100.236 100.086 4.250 100.492 100.392 100.242 4.250 100.838 100.738 100.588 3.750 100.070 99.970 99.820 4.125 100.171 100.071 99.921 4.125 100.393 100.293 100.143 3.625 99.805 99.705 99.555 4.000 99.780 99.680 99.530 4.000 99.886 99.786 99.636 3.500 99.346 99.246 99.096 3.990 99.660 99.560 99.410 3.990 99.766 99.666 99.516 3.490 99.226 99.126 98.976 3.875 99.353 99.253 99.103 3.875 99.643 99.543 99.393 3.375 98.898 98.798 98.648 3.750 98.754 98.654 98.504 3.750 99.167 99.067 98.917 3.250 98.549 98.449 98.299 3.625 98.083 97.983 97.833 3.625 98.653 98.553 98.403 3.125 98.299 98.199 98.049 3.500 97.343 97.243 97.093 3.500 98.533 98.433 98.283 3.000 97.785 97.685 97.535 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: 3/26/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 04/25/19 60 DAY 05/25/19 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 5.500 104.003 103.903 103.753 103.503 4.500 102.471 102.371 102.221 101.971 5.375 103.684 103.584 103.434 103.184 4.375 102.466 102.366 102.216 101.966 5.250 103.328 103.228 103.078 102.828 4.250 102.149 102.049 101.899 101.649 5.125 103.025 102.925 102.775 102.525 4.125 101.789 101.689 101.539 101.289 5.000 103.210 103.110 102.960 102.710 4.000 101.477 101.377 101.227 100.977 4.875 102.842 102.742 102.592 102.342 3.875 101.155 101.055 100.905 100.655 4.750 102.339 102.239 102.089 101.839 3.750 100.909 100.809 100.659 100.409 4.625 102.169 102.069 101.919 101.669 3.625 100.698 100.598 100.448 100.198 4.500 101.927 101.827 101.677 101.427 3.500 100.382 100.282 100.132 99.882 4.375 101.542 101.442 101.292 101.042 3.375 99.996 99.896 99.746 99.496 4.250 100.961 100.861 100.711 100.461 3.250 99.635 99.535 99.385 99.135 4.125 100.794 100.694 100.544 100.294 3.125 99.143 99.043 98.893 98.643 4.000 100.540 100.440 100.290 100.040 3.000 98.749 98.649 98.499 98.249 3.875 100.141 100.041 99.891 99.641 2.875 98.340 98.240 98.090 97.840 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 & 4.875 102.303 102.203 102.053 101.803 Credit Score <= 60 <= 70 <= 75 <= 80 <= 85 <= 90 4.750 101.864 101.764 101.614 101.364 >= 740 0.000-0.250-0.250-0.500-0.250-0.250 4.625 102.297 102.197 102.047 101.797 720 <= 739 0.000-0.250-0.500-0.750-0.500-0.500 4.500 101.907 101.807 101.657 101.407 700 <= 719 0.000-0.500-1.000-1.250-1.000-1.000 4.490 101.612 101.512 101.362 101.112 680 <= 699 0.000-0.500-1.250-1.750-1.500-1.250 4.375 101.317 101.217 101.067 100.817 660 <= 679 0.000-1.000-2.250 n/a n/a n/a 4.250 101.027 100.927 100.777 100.527 640 <= 659-0.500-1.250-2.750 n/a n/a n/a 4.125 100.756 100.656 100.506 100.256 4.000 100.365 100.265 100.115 99.865 3.990 100.325 100.225 100.075 99.825 Subordinate Financing 3.875 99.928 99.828 99.678 99.428 LTV CLTV < 720 => 720 3.750 99.354 99.254 99.104 98.854 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