Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Indiana Rhode Island

Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent) Table of Contents PRMG News Products Page Agency/Agency No MI Pg.2 Agency ARMs Pg.2 Agency TX Home Equity Pg.2 Agency High Balance/Agency No MI High Balance Pg.2 Fannie Mae HomeReady Pg.2 Agency Price Adjustments Pg.3 Agency No MI Adjustments Pg.3 Agency High Balance Adjustments Pg.3 Fannie Mae HomeReady Adjustments Pg.3 Agency LP/Agency LP No MI Pg.4 FHLMC Super Conf/FHLMC Super Conf No MI Pg.4 Agency LP/FHLMC Super Conf Price Adjustments Pg.5 Agency Portfolio/Agency Portfolio No MI Pg.6 Agency Portfolio Price Adjustments Pg.7 Agency Portfolio NO MI Adjustments Pg.7 FHA Pg.8 FHA Streamline Refinance Pg.8 FHA High Balance Pg.8 FHA High Balance Streamline Refinance Pg.8 USDA/Rural Housing Pg.8 VA Pg.8 VA High Balance Pg.8 VA IRRRL/VA IRRRL High Balance Pg.8 FHA/VA/USDA Price Adjustments Pg.8 Doc & Funding Cut-Off Dates Down Pament Protection Pg.9 Last day to fund FHA/VA loans with 5/1 payment 04/05/19 Ruby Jumbo Pg.10 Last day to fund Agency loans with 5/1 payment 04/10/19 Diamond Jumbo Pg.10 Last day to Doc Streamlines for April Funding 04/25/19 Platinum Jumbo Pg.10 Last day to fund Streamlines for April Funding 04/30/19 Diamond Price Adjustments Pg.11 Last day to Draw Docs with June 1st Payment 04/25/19 Platinum Price Adjustments Pg.12 Niche Jumbo/Alternative Access/Non-Prime Advantage Pg.13 Lock Desk Info Niche Jumbo/Alternative Access/Non-Prime Advantage Pg.14 Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST Closed End Second Liens Pg.15 Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST Expanded Access Pg.16 Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/ Email Link to Manual Lock Form; www.eprmg.net/prmg%20manual%20lock%20request%20form%20(editable).pdf Secondary Fax 951-278-5633 Lender Fees Extensions & Re-Locks Secondary@prmg.net Underwriting Fee - Borrower Paid Transactions $990.00 Underwriting Fee - Lender Paid Transactions $990.00 PRMG FHA VA Lender IDs FHA Streamlines/VA IRRRLs $99.00 http://www.eprmg.net/resourcecenter/policiesproceduresinformation/prmgfhaandvalenderids.pdf *NO Fee Option (Use No Fee Calculator to determine fee in bps) www.eprmg.net/nofeecalculator.xls Lock Expiration Dates 15 Days 04/20/19 Mortgagee Clause 30 Days 05/05/19 Paramount Residential Mortgage Group, INC. 45 Days 05/20/19 Its Successors and/or Assigns 60 Days 06/04/19 1265 Corona Pointe Court Ste. 301 Corona, California 92879 Lock Extension Policy 1-5 Days 0.125 Approved States 6-10 Days 0.250 Alaska Missouri 11-15 Days 0.375 Alabama Montana 16-20 Days 0.500 Arizona New Hampshire 21-25 Days 0.625 Arkansas New Jersey 26-30 Days 0.750 California New Mexico Colorado Nebraska Extended Rate Lock Terms Connecticut Nevada 45 Days.100 in fee Delaware North Carolina 60 Days.300 in fee District of Columbia North Dakota 75 Days.450 in fee Florida Ohio 90 Days.600 in fee Georgia Oklahoma 120 Days 1.000 in fee Hawaii Oregon The above fees are applied to the 30 day price. Idaho Pennsylvania Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Indiana Rhode Island Secondary for fees on all other programs. Illinois South Carolina Iowa South Dakota Market Update Kansas Tennessee 1 Yr Libor 2.737 Kentucky Texas 1 Yr T-Bill 2.420 Louisiana Utah 6 Mo Libor 2.646 Maine Vermont Prime Rate 5.500 Maryland Virginia 10 Yr Bond 2.510 Massachusetts Washington 30 Yr Bond 2.920 Michigan West Virginia Minnesota Wisconsin Average Prime Offer Rates Mississippi 30/40 Yr Fixed 3.630 15/20 Yr Fixed 3.770 10 Yr Fixed 4.100 1/1 ARM 5.040 3/1 ARM 4.800 PRMG Website 5/1 ARM 4.690 FT360 http://tpo.prmg.net/ 7/1 ARM 4.570 10/1 ARM 4.450 Scenario Pricer For On-line Rate/Price quotes, log on to our Scenario Pricer at: http://tpo.prmg.net/ WHOLESALE REGIONAL OPERATING CENTERS Western Region Dave Pilotte, RVP (951) 278-0000 Mountain Region Michael J. Miller, RVP (303) 957-8390 Western Region Herb Lewis, DVP (866) 776-4937 Northeast Region Herb Lewis, DVP (866) 776-4937 Western Region Alex Del Haro, DVP (714) 824-2997 Southeast Region Herb Lewis, DVP (866) 776-4937 Pacific Northwest Region Herb Lewis, DVP (866) 776-4937 Midwest Region Herb Lewis, DVP (866) 776-4937 Southwest Region Joe Spangenberg, RVP (602) 977-7764 Page 1

AGENCY 30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed High Balance 30 Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 6.000% (6.430) (6.230) 6.000% #VALUE! #VALUE! 5.000% (4.533) (4.333) 5.875% (4.387) (4.187) 5.875% (6.150) (5.950) 5.875% (5.283) (5.083) 4.875% (4.423) (4.223) 5.750% (3.919) (3.719) 5.750% (5.832) (5.632) 5.750% (5.851) (5.651) 4.750% (4.257) (4.057) 5.625% (5.570) (5.370) 5.625% (5.680) (5.480) 5.625% (6.107) (5.907) 4.625% (3.929) (3.729) 5.500% (5.496) (5.296) 5.500% (5.416) (5.216) 5.500% (5.860) (5.660) 4.500% (4.118) (3.918) 5.375% (5.163) (4.963) 5.375% (5.193) (4.993) 5.375% (5.574) (5.374) 4.375% (3.881) (3.681) 5.250% (4.724) (4.524) 5.250% (4.942) (4.742) 5.250% (5.355) (5.155) 4.250% (3.494) (3.294) 5.125% (4.373) (4.173) 5.125% (4.703) (4.503) 5.125% (5.136) (4.936) 4.125% (2.928) (2.728) 5.000% (4.192) (3.992) 5.000% (4.370) (4.170) 5.000% (4.865) (4.665) 4.000% (2.507) (2.307) 4.990% (4.112) (3.912) 4.990% (4.210) (4.010) 4.875% (4.688) (4.488) 3.875% (2.062) (1.862) 4.875% (3.773) (3.573) 4.875% (4.008) (3.808) 4.750% (4.239) (4.039) 3.750% (1.581) (1.381) 4.750% (3.280) (3.080) 4.750% (3.531) (3.331) 4.625% (4.031) (3.831) 3.625% (1.320) (1.120) 4.625% (3.426) (3.226) 4.625% (3.668) (3.468) 4.500% (3.411) (3.211) 3.500% (0.862) (0.662) 4.500% (2.942) (2.742) 4.500% (3.123) (2.923) 4.375% (3.164) (2.964) 3.375% (0.443) (0.243) 4.375% (2.620) (2.420) 4.375% (2.772) (2.572) 4.250% (2.567) (2.367) 3.250% (0.069) 0.131 4.250% (1.970) (1.770) 4.250% (2.107) (1.907) 4.125% (2.091) (1.891) 3.125% 0.490 0.690 4.125% (1.346) (1.146) 4.125% (1.878) (1.678) 4.000% (1.701) (1.501) 3.000% 1.123 1.323 4.000% (0.921) (0.721) 4.000% (1.417) (1.217) 3.875% (1.159) (0.959) 3.875% (0.439) (0.239) 3.990% (1.337) (1.137) 3.750% (0.551) (0.351) 0.000% 0.420 0.420 3.875% (0.868) (0.668) 3.750% (0.237) (0.037) 3.625% 0.708 0.908 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARM Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate 15 30 Start Rate 15 30 Start Rate 15 30 Start Rate 15 30 4.750% (3.685) (3.485) 4.750% (1.998) (1.748) 5.000% (2.783) (2.533) 5.000% (1.685) (1.435) 4.625% (3.480) (3.280) 4.625% (1.765) (1.515) 4.875% (2.533) (2.283) 4.875% (2.039) (1.789) 4.500% (3.558) (3.358) 4.500% (1.876) (1.626) 4.750% (2.440) (2.190) 4.750% (2.295) (2.045) 4.375% (3.561) (3.361) 4.375% (1.653) (1.403) 4.625% (2.202) (1.952) 4.625% (1.783) (1.533) 4.250% (3.130) (2.930) 4.250% (1.422) (1.172) 4.500% (1.907) (1.657) 4.500% (1.551) (1.301) 4.125% (2.607) (2.407) 4.125% (1.182) (0.932) 4.375% (1.611) (1.361) 4.375% (1.362) (1.112) 4.000% (2.188) (1.988) 4.000% (0.903) (0.653) 4.250% (1.363) (1.113) 4.250% (1.316) (1.066) 3.875% (1.933) (1.733) 3.875% (0.619) (0.369) 4.125% (1.011) (0.761) 4.125% (0.836) (0.586) 3.750% (1.650) (1.450) 3.750% (0.295) (0.045) 4.000% (0.967) (0.717) 4.000% (0.407) (0.157) 3.625% (1.139) (0.939) 3.625% 0.040 0.290 3.875% (0.535) (0.285) 3.875% 0.005 0.255 3.500% (0.708) (0.508) 3.500% 0.412 0.662 3.750% (0.090) 0.160 3.750% 0.417 0.667 3.375% (0.330) (0.130) 3.375% 0.788 1.038 3.625% 0.357 0.607 3.625% 0.860 1.110 3.250% (0.098) 0.102 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps High Balance 15 High Balance 5/1 ARM High Balance 7/1 ARM Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30 5.000% (3.465) (3.265) 4.500% (2.087) (1.837) 4.500% (1.875) (1.625) 4.875% (3.332) (3.132) 4.375% (1.853) (1.603) 4.375% (1.579) (1.329) 4.750% (3.155) (2.955) 4.250% (1.626) (1.376) 4.250% (1.534) (1.284) 4.625% (2.933) (2.733) 4.125% (1.397) (1.147) 4.125% (0.979) (0.729) 4.500% (2.871) (2.671) 4.000% (1.156) (0.906) 4.000% (0.604) (0.354) 4.375% (2.891) (2.691) 3.875% (0.896) (0.646) 3.875% (0.235) 0.015 4.250% (2.525) (2.325) 3.750% (0.627) (0.377) 3.750% 0.131 0.381 4.125% (2.155) (1.955) 3.625% (0.355) (0.105) 3.625% 0.501 0.751 4.000% (1.836) (1.636) 3.500% (0.036) 0.214 3.500% 0.903 1.153 3.875% (1.467) (1.267) 3.375% 0.298 0.548 3.375% 1.305 1.555 3.750% (1.083) (0.883) 3.250% 0.637 0.887 3.250% 1.712 1.962 3.625% (0.805) (0.605) 3.125% 0.982 1.232 3.125% 2.135 2.385 3.500% (0.467) (0.267) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Agency TX Home Eq 30/25 Agency TX Home Eq 15 FNMA/FHLMC Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 5.500% (5.416) (5.216) 5.000% (4.533) (4.333) 5.375% (5.193) (4.993) 4.875% (4.423) (4.223) 5.250% (4.942) (4.742) 4.750% (4.257) (4.057) 5.125% (4.703) (4.503) 4.625% (3.929) (3.729) 5.000% (4.370) (4.170) 4.500% (4.118) (3.918) 4.875% (4.008) (3.808) 4.375% (3.881) (3.681) 4.750% (3.531) (3.331) 4.250% (3.494) (3.294) 4.625% (3.668) (3.468) 4.125% (2.928) (2.728) 4.500% (3.123) (2.923) 4.000% (2.507) (2.307) 4.375% (2.772) (2.572) 3.875% (2.062) (1.862) 4.250% (2.107) (1.907) 3.750% (1.581) (1.381) 4.125% (1.878) (1.678) 3.625% (1.320) (1.120) 4.000% (1.417) (1.217) 3.500% (0.862) (0.662) 30 Yr Fixed 5/1 ARM Rate 15 30 Rate 15 30 5.375% (5.003) (4.803) 4.250% #VALUE! #VALUE! 5.250% (4.692) (4.492) 4.125% 0.126 0.376 5.125% (4.628) (4.428) 4.000% 0.445 0.695 5.000% (4.239) (4.039) 3.875% 0.377 0.627 4.990% (4.159) (3.959) 3.750% 0.742 0.992 4.875% (3.840) (3.640) 3.625% 1.120 1.370 4.750% (3.403) (3.203) 3.500% 1.499 1.749 4.625% (3.576) (3.376) 3.375% 1.878 2.128 4.500% (3.015) (2.815) 3.250% 2.246 2.496 4.375% (2.657) (2.457) 3.125% 2.615 2.865 4.250% (1.992) (1.792) 3.000% 2.960 3.210 4.125% (1.775) (1.575) 2.875% 3.305 3.555 4.000% (1.305) (1.105) 2.25 Margin, 2/2/5 Caps FNMA HOMEREADY Page 2

AGENCY Loan Amount Credit Score (Except Terms <=15 Yrs) ** Loans $295k-Std Bal Limit (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.200 ** Loans $245k-$294,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% ** Loans $200k-$244,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 ** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 ** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 ** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 * 2 Units (Except High Balance,Super Conf, & HomeReady) 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 * 2 Units (High Balance & Super Conf only) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 * 3-4 Units (Except High Balance,Super Conf, & HomeReady) 1.000 * 3-4 Units (High Balance only) 1.500 Credit Score (In addition to all other adj) * 3-4 Units (Super Conf only) 1.000 ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100 * 2-4 Units (HomeReady only) 1.000 Subordinate Financing * Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 C Occupancy LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% * N/O/O up to 75% LTV (Except Super Conf) 2.125 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875 * N/O/O up to 75% LTV (Super Conf only) 2.125 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875 * N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875 * N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 65.01-75% & FICO>=720 0.375 0.375 0.875 0.875 0.875 1.875 * N/O/O LTV 80.01% to 85% 4.125 75.01-95% & FICO <720 N/A 1.375 1.375 1.375 1.375 1.875 * Second Home >85% LTV (LP only) 0.250 75.01-95% & FICO >=720 N/A 1.125 1.125 1.125 1.125 1.875 Miscellaneous Cash-out (Except TX Home Equity) ** Purchase Bonus (Agency Std Bal Fixed & Agency Std Bal No MI Fixed, HomeReady Fixed only) -0.100 ** Escrow Waiver (CA Only) 0.000 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% ** Escrow Waiver (all other states) 0.000 >=740 0.375 0.625 0.625 0.875 n/a * 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 720-739 0.375 1.000 1.000 1.125 n/a * ARMs w/ltv 90.01-95% 0.250 700-719 0.375 1.000 1.000 1.125 n/a ** Down Payment Protection Feature (refer to Down Payment Protection Tab). 680-699 0.375 1.125 1.125 1.750 n/a 660-679 0.625 1.125 1.125 1.875 n/a *If using a PRMG Closed End second, the PRMG 1st lien is subject to a LLPA that will be manually added by Secondary and will be: 0.300 to the price. Applicable to Agency High Bal AGENCY PRICE ADJUSTMENTS Agency, Agency No MI, Agency TX Home Equity, Agency High Balance Agency No MI High Balance, Fannie Mae HomeReady, FHLMC HomeOne 640-659 0.625 1.625 1.625 2.625 n/a 620-639 0.625 1.625 1.625 3.125 n/a Cash-out and Rate&Term (TX Home Equity only) FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% >=740 0.375 0.625 0.625 0.875 (In addition to all other adj) * Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125 * Cash-out Refinance 1.000 700-719 0.375 1.000 1.000 1.125 * High Balance ARM <= 75% LTV 0.750 680-699 0.375 1.125 1.125 1.750 * High Balance ARM > 75% LTV 1.500 660-679 0.625 1.125 1.125 1.875 620-659 0.625 1.625 1.625 2.625 Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Agency No MI & Agency High Bal No MI) Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$484,350 (Agency No MI & Agency High Bal No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO >=800 0.450 0.900 1.260 1.880 >=800 0.340 0.750 1.100 1.720 >=800 0.000 780-799 0.510 0.950 1.420 2.050 780-799 0.390 0.820 1.240 1.920 780-799 0.000 760-779 0.550 1.010 1.480 2.050 760-779 0.430 0.880 1.380 1.920 760-779 0.000 740-759 0.610 1.180 1.770 2.850 740-759 0.490 1.020 1.650 2.700 740-759 0.000 720-739 0.950 1.600 2.250 3.100 720-739 0.770 1.450 2.100 2.950 720-739 0.000 700-719 1.050 1.870 2.750 3.900 700-719 0.780 1.620 2.470 3.650 700-719 0.000 680-699 1.100 1.980 2.980 3.960 680-699 0.790 1.680 2.650 3.650 680-699 0.000 660-679 1.600 3.250 4.950 6.900 660-679 1.150 2.880 4.560 6.520 660-679 0.500 640-659 1.730 3.530 5.120 7.090 640-659 1.340 3.140 4.730 6.700 640-659 0.500 620-639 2.100 4.150 5.850 7.450 620-639 1.630 3.740 5.450 7.050 620-639 1.050 Applicable to <=20 Yr Term (Agency No MI & Agency High Bal No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO FICO FICO >=800 0.310 0.670 1.010 1.550 >=800 0.250 >=800 0.000 >=800 0.000 780-799 0.310 0.680 1.040 1.830 780-799 0.300 780-799 0.000 780-799 0.000 760-779 0.310 0.720 1.050 1.840 760-779 0.300 760-779 0.000 760-779 0.000 740-759 0.330 0.860 1.430 2.640 740-759 0.300 740-759 0.000 740-759 0.000 720-739 0.890 1.220 1.890 2.960 720-739 0.500 720-739 0.000 720-739 0.000 700-719 0.920 1.290 2.710 3.620 700-719 0.700 700-719 0.550 700-719 0.000 680-699 0.940 1.290 2.710 3.640 680-699 0.700 680-699 0.550 680-699 0.120 660-679 1.100 1.420 3.790 6.490 660-679 1.230 660-679 1.050 660-679 0.120 640-659 1.100 1.560 3.990 6.740 640-659 1.230 640-659 1.050 640-659 0.130 620-639 1.100 1.850 4.590 7.050 620-639 1.300 620-639 1.100 620-639 0.170 Applicable to DTI >45% (Agency No MI & Agency High Bal No MI) FICO >=800 0.240 780-799 0.240 760-779 0.240 740-759 0.240 720-739 0.350 700-719 0.420 680-699 0.550 660-679 0.690 640-659 0.830 620-639 0.920 Applicable to Lender Paid HomeReady No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (HomeReady No MI only) Applicable to 25 Yr Term (HomeReady No MI only) Applicable to Loan Size >$484,350 (HomeReady No MI only) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO >=800 0.450 0.900 1.300 1.750 >=800 0.340 0.750 1.100 1.600 >=800 0.000 780-799 0.510 0.950 1.380 1.900 780-799 0.390 0.820 1.240 1.750 780-799 0.000 760-779 0.550 1.010 1.460 1.950 760-779 0.430 0.880 1.380 1.750 760-779 0.000 740-759 0.610 1.180 1.700 2.490 740-759 0.490 1.020 1.650 2.240 740-759 0.000 720-739 0.950 1.600 2.050 2.550 720-739 0.770 1.450 2.100 2.350 720-739 0.000 700-719 1.050 1.870 2.700 3.200 700-719 0.780 1.620 2.470 2.780 700-719 0.000 680-699 1.100 1.980 2.980 3.210 680-699 0.790 1.680 2.650 2.810 680-699 0.000 660-679 1.600 3.250 4.200 5.050 660-679 1.150 2.880 4.560 4.680 660-679 0.500 640-659 1.730 3.530 4.400 5.250 640-659 1.340 3.140 4.730 4.810 640-659 0.500 620-639 2.100 4.150 5.000 5.550 620-639 1.630 3.740 5.450 5.100 620-639 1.050 Applicable to <=20 Yr Term (HomeReady No MI only) Applicable to R&T Refi's Applicable to One Borrower Applicable to DTI >45% (HomeReady No MI only) (HomeReady No MI only) (HomeReady No MI only) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO FICO FICO >=800 0.310 0.670 1.010 1.420 >=800 0.000 >=800 0.000 >=800 0.240 780-799 0.310 0.680 1.040 1.790 780-799 0.000 780-799 0.000 780-799 0.240 760-779 0.310 0.720 1.050 1.790 760-779 0.000 760-779 0.000 760-779 0.240 740-759 0.330 0.860 1.430 2.530 740-759 0.000 740-759 0.000 740-759 0.240 720-739 0.890 1.220 1.890 2.530 720-739 0.000 720-739 0.000 720-739 0.350 700-719 0.920 1.290 2.710 2.890 700-719 0.550 700-719 0.000 700-719 0.420 680-699 0.940 1.290 2.710 2.890 680-699 0.550 680-699 0.120 680-699 0.550 660-679 1.100 1.420 3.790 4.650 660-679 1.050 660-679 0.120 660-679 0.690 640-659 1.100 1.560 3.990 4.850 640-659 1.050 640-659 0.130 640-659 0.830 620-639 1.100 1.850 4.590 5.090 620-639 1.100 620-639 0.170 620-639 0.920 HomeReady LLPA Caps LTV >80% & Fico >=680 0.000 All Other LTV & Fico 1.500 ** These HomeReady LLPA's are NOT subject to the above LLPA Caps Maximum Rebate/Price Cap All Fixed Rates 105.000 All ARM Rates 103.750

AGENCY 30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 5.500% (5.238) (5.038) 5.750% (5.398) (5.198) 5.000% (4.291) (4.091) 5.000% (3.866) (3.666) 5.375% (5.068) (4.868) 5.625% (5.630) (5.430) 4.875% (4.181) (3.981) 4.875% (3.686) (3.486) 5.250% (4.738) (4.538) 5.500% (5.623) (5.423) 4.750% (4.016) (3.816) 4.750% (3.581) (3.381) 5.125% (4.529) (4.329) 5.375% (5.435) (5.235) 4.625% (3.688) (3.488) 4.625% (3.376) (3.176) 5.000% (4.245) (4.045) 5.250% (5.230) (5.030) 4.500% (3.580) (3.380) 4.500% (3.400) (3.200) 4.875% (3.859) (3.659) 5.125% (5.011) (4.811) 4.375% (3.639) (3.439) 4.375% (3.425) (3.225) 4.750% (3.370) (3.170) 5.000% (4.740) (4.540) 4.250% (3.184) (2.984) 4.250% (2.993) (2.793) 4.625% (3.440) (3.240) 4.875% (4.563) (4.363) 4.125% (2.645) (2.445) 4.125% (2.490) (2.290) 4.500% (2.901) (2.701) 4.750% (4.114) (3.914) 4.000% (2.208) (2.008) 4.000% (2.075) (1.875) 4.375% (2.533) (2.333) 4.625% (3.733) (3.533) 3.875% (1.825) (1.625) 3.875% (1.829) (1.629) 4.250% (1.867) (1.667) 4.500% (3.286) (3.086) 3.750% (1.381) (1.181) 3.750% (1.546) (1.346) 4.125% (1.530) (1.330) 4.375% (3.039) (2.839) 3.625% (1.079) (0.879) 3.625% (1.035) (0.835) 4.000% (1.072) (0.872) 4.250% (2.371) (2.171) 3.500% (0.607) (0.407) 3.500% (0.587) (0.387) 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARM FHLMC Super Conf 20 Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI FHLMC Super Conf No MI 20 Start Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30 4.750% (1.996) (1.746) 4.750% (2.138) (1.888) 4.875% (1.528) (1.278) 6.000% #VALUE! #VALUE! 4.625% (1.529) (1.279) 4.625% (1.880) (1.630) 4.750% (2.124) (1.874) 5.875% #VALUE! #VALUE! 4.500% (1.288) (1.038) 4.500% (1.621) (1.371) 4.625% (1.448) (1.198) 5.750% #VALUE! #VALUE! 4.375% (1.034) (0.784) 4.375% (1.313) (1.063) 4.500% (1.238) (0.988) 5.625% (5.445) (5.245) 4.250% (0.795) (0.545) 4.250% (1.009) (0.759) 4.375% (1.072) (0.822) 5.500% (5.371) (5.171) 4.125% (0.553) (0.303) 4.125% (0.707) (0.457) 4.250% (0.810) (0.560) 5.375% (5.038) (4.838) 4.000% (0.283) (0.033) 4.000% (0.399) (0.149) 4.125% (0.531) (0.281) 5.250% (4.599) (4.399) 3.875% (0.007) 0.243 3.875% (0.032) 0.218 4.000% (0.134) 0.116 5.125% (4.248) (4.048) 3.750% 0.297 0.547 3.750% 0.335 0.585 3.875% 0.275 0.525 5.000% (4.067) (3.867) 3.625% 0.604 0.854 3.625% 0.702 0.952 3.750% 0.725 0.975 4.875% (3.648) (3.448) 3.500% 0.925 1.175 3.500% 1.076 1.326 3.625% 1.156 1.406 4.750% (3.155) (2.955) 3.375% 1.222 1.472 3.375% 1.502 1.752 3.500% 1.832 2.082 4.625% (3.101) (2.901) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps 4.500% (2.617) (2.417) FHLMC Super Conf 30 FHLMC Super Conf 15 FHLMC Super Conf 5/1 ARM FHLMC Super Conf 7/1 ARM FHLMC Super Conf No MI 30 FHLMC Super Conf No MI 15 FHLMC Super Conf No MI 5/1 ARM FHLMC Super Conf No MI 7/1 ARM Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30 6.000% #VALUE! #VALUE! 4.750% (3.030) (2.830) 4.375% (0.110) 0.140 4.500% (1.874) (1.624) 5.875% (2.951) (2.751) 4.625% (2.808) (2.608) 4.250% 0.203 0.453 4.375% (1.566) (1.316) 5.750% (3.362) (3.162) 4.500% (2.746) (2.546) 4.125% 0.553 0.803 4.250% (1.262) (1.012) 5.625% (5.445) (5.245) 4.375% (2.766) (2.566) 4.000% 0.842 1.092 4.125% (0.960) (0.710) 5.500% (5.371) (5.171) 4.250% (2.400) (2.200) 3.875% 1.128 1.378 4.000% (0.652) (0.402) 5.375% (5.038) (4.838) 4.125% (2.030) (1.830) 3.750% 1.353 1.603 3.875% (0.285) (0.035) 5.250% (4.599) (4.399) 4.000% (1.711) (1.511) 3.625% 1.536 1.786 3.750% 0.082 0.332 5.125% (4.248) (4.048) 3.875% (1.342) (1.142) 3.500% 1.781 2.031 3.625% 0.449 0.699 5.000% (4.067) (3.867) 3.750% (0.958) (0.758) 3.375% 2.025 2.275 3.500% 0.823 1.073 4.875% (3.648) (3.448) 3.625% (0.680) (0.480) 3.250% 2.392 2.642 3.375% 1.249 1.499 4.750% (3.155) (2.955) 3.500% (0.319) (0.119) 3.125% 2.837 3.087 3.250% 1.676 1.926 4.625% (3.101) (2.901) 3.375% 0.119 0.319 3.000% 3.166 3.416 3.125% 2.106 2.356 4.500% (2.617) (2.417) 3.250% 0.524 0.724 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Home Possible 30 Home Possible No MI 30 Rate 15 30 5.375% (5.003) (4.803) 5.250% (4.605) (4.405) 5.125% (4.628) (4.428) 5.000% (4.239) (4.039) 4.990% (4.159) (3.959) 4.875% (3.852) (3.652) 4.750% (3.403) (3.203) 4.625% (3.420) (3.220) 4.500% (2.984) (2.784) 4.375% (2.501) (2.301) 4.250% (1.961) (1.761) 4.125% (1.744) (1.544) 4.000% (1.274) (1.074) FHLMC FHLMC HOMEPOSSIBLE Page 4

AGENCY Agency LP, Agency LP No MI,FHLMC Super Conf, FHLMC Super Conf No MI, FHLMC HomeOne Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI Loan Amount Credit Score (Except Terms <=15 Yrs) ** Loans $295k-Std Bal Limit (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.200 ** Loans $245k-$294,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95% ** Loans $200k-$244,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 ** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 ** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 ** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 * 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 * 3-4 Units LTV <= 80% 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 * 3-4 Units LTV 80.01%-85% 1.500Credit Score * 3-4 Units LTV >85.01% 2.000 ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100 * Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 Occupancy Subordinate Financing * N/O/O up to 75% LTV (Except Super Conf) 2.125 C * N/O/O up to 75% LTV (Super Conf only) 2.125 LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% * N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875 * N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875 * N/O/O LTV 80.01% to 85% 4.125 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875 * Second Home w/ltv >85% 0.250 65.01-75% & FICO>=720 0.375 0.375 0.875 0.875 0.875 1.875 Miscellaneous 75.01-95% & FICO <720 N/A 1.375 1.375 1.375 1.375 1.875 ** Purchase Bonus (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100 75.01-95% & FICO >=720 N/A 1.125 1.125 1.125 1.125 1.875 ** Escrow Waiver 0.000 ***All Home Possible (above do not apply) 0.500 0.500 0.500 0.500 0.500 0.500 ** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 ***Not applicable when using Affordable Second meeting Section 4204.2 reqmts. ** ARM's >90% LTV (except FHLMC Super Conf) 0.250 ** Down Payment Protection Feature (refer to Down Payment Protection Tab). Applicable to FHLMC Super Conf (in add to all other adj) Cash-out * Purchase & Rate/Term Refi 0.250 * Cash-out Refinance 1.000 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% * High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 >=740 0.375 0.625 0.625 0.875 * High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 720-739 0.375 1.000 1.000 1.125 * High Balance ARM Purch, R/T >90% LTV 1.750 700-719 0.375 1.000 1.000 1.125 * Fico Scores 680-739 0.125 680-699 0.375 1.125 1.125 1.750 * Fico Scores 620-679 0.250 660-679 0.625 1.125 1.125 1.875 HomePossible LLPA Caps 640-659 1.500 2.250 2.250 3.250 LTV >80% & Fico >=680 0.000 620-639 1.500 2.250 2.250 3.750 All Other LTV & Fico 1.500 ** These HomePossible LLPA's are NOT subject to the above LLPA Caps Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to 25 Yr Term (Agency LP No MI) Applicable to Loan Size >$484,350 (Agency LP No MI & FHLMC Sup Conf No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO >=800 0.450 0.900 1.260 1.880 >=800 0.340 0.750 1.100 1.720 >=800 0.000 780-799 0.510 0.950 1.420 2.050 780-799 0.390 0.820 1.240 1.920 780-799 0.000 760-779 0.550 1.010 1.480 2.050 760-779 0.430 0.880 1.380 1.920 760-779 0.000 740-759 0.610 1.180 1.770 2.850 740-759 0.490 1.020 1.650 2.700 740-759 0.000 720-739 0.950 1.600 2.250 3.100 720-739 0.770 1.450 2.100 2.950 720-739 0.000 700-719 1.050 1.870 2.750 3.900 700-719 0.780 1.620 2.470 3.650 700-719 0.000 680-699 1.100 1.980 2.980 3.960 680-699 0.790 1.680 2.650 3.650 680-699 0.000 660-679 1.600 3.250 4.950 6.900 660-679 1.150 2.880 4.560 6.520 660-679 0.500 640-659 1.730 3.530 5.120 7.090 640-659 1.340 3.140 4.730 6.700 640-659 0.500 620-639 2.100 4.150 5.850 7.450 620-639 1.630 3.740 5.450 7.050 620-639 1.050 Applicable to <=20 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO FICO FICO >=800 0.310 0.670 1.010 1.550 >=800 0.250 >=800 0.000 >=800 0.000 780-799 0.310 0.680 1.040 1.830 780-799 0.300 780-799 0.000 780-799 0.000 760-779 0.310 0.720 1.050 1.840 760-779 0.300 760-779 0.000 760-779 0.000 740-759 0.330 0.860 1.430 2.640 740-759 0.300 740-759 0.000 740-759 0.000 720-739 0.890 1.220 1.890 2.960 720-739 0.500 720-739 0.000 720-739 0.000 700-719 0.920 1.290 2.710 3.620 700-719 0.700 700-719 0.550 700-719 0.000 680-699 0.940 1.290 2.710 3.640 680-699 0.700 680-699 0.550 680-699 0.120 660-679 1.100 1.420 3.790 6.490 660-679 1.230 660-679 1.050 660-679 0.120 640-659 1.100 1.560 3.990 6.740 640-659 1.230 640-659 1.050 640-659 0.130 620-639 1.100 1.850 4.590 7.050 620-639 1.300 620-639 1.100 620-639 0.170 Applicable to DTI >45% (Agency LP No MI & FHLMC Sup Conf No MI) FICO >=800 0.240 780-799 0.240 760-779 0.240 740-759 0.240 720-739 0.350 700-719 0.420 680-699 0.550 660-679 0.690 640-659 0.830 620-639 0.920 **Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (HomePossible No MI only) Applicable to Loan Size >$484,350 Applicable to R&T Refi's (HomePossible No MI only) (HomePossible No MI only) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO FICO >=800 0.450 0.900 1.300 1.750 >=800 0.000 >=800 0.000 780-799 0.510 0.950 1.380 1.900 780-799 0.000 780-799 0.000 760-779 0.550 1.010 1.460 1.950 760-779 0.000 760-779 0.000 740-759 0.610 1.180 1.700 2.490 740-759 0.000 740-759 0.000 720-739 0.950 1.600 2.050 2.550 720-739 0.000 720-739 0.000 700-719 1.050 1.870 2.700 3.200 700-719 0.000 700-719 0.550 680-699 1.100 1.980 2.980 3.210 680-699 0.000 680-699 0.550 660-679 1.600 3.250 4.200 5.050 660-679 0.500 660-679 1.050 640-659 1.730 3.530 4.400 5.250 640-659 0.500 640-659 1.050 620-639 2.100 4.150 5.000 5.550 620-639 1.050 620-639 1.100 Applicable to One Borrower Applicable to DTI >45% (HomePossible No MI only) (HomePossible No MI only) FICO FICO >=800 0.000 >=800 0.240 780-799 0.000 780-799 0.240 760-779 0.000 760-779 0.240 740-759 0.000 740-759 0.240 720-739 0.000 720-739 0.350 700-719 0.000 700-719 0.420 680-699 0.120 680-699 0.550 660-679 0.120 660-679 0.690 640-659 0.130 640-659 0.830 620-639 0.170 620-639 0.920 AGENCY LP PRICE ADJUSTMENTS Maximum Rebate/Price Cap All Fixed Rates 105.000 All ARM Rates 103.750

AGENCY Agency Portfolio 30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 6.000% (6.180) (5.980) 6.000% #VALUE! #VALUE! 5.000% (4.283) (4.033) 5.000% (3.720) (3.520) 5.875% (5.900) (5.700) 5.875% (5.033) (4.833) 4.875% (4.173) (3.923) 4.875% (3.540) (3.340) 5.750% (5.582) (5.382) 5.750% (5.601) (5.401) 4.750% (4.007) (3.757) 4.750% (3.435) (3.235) 5.625% (5.430) (5.230) 5.625% (5.857) (5.657) 4.625% (3.679) (3.429) 4.625% (3.230) (3.030) 5.500% (5.166) (4.966) 5.500% (5.610) (5.410) 4.500% (3.868) (3.618) 4.500% (3.308) (3.108) 5.375% (4.943) (4.743) 5.375% (5.324) (5.124) 4.375% (3.631) (3.381) 4.375% (3.311) (3.111) 5.250% (4.692) (4.492) 5.250% (5.105) (4.905) 4.250% (3.244) (2.994) 4.250% (2.880) (2.680) 5.125% (4.453) (4.253) 5.125% (4.886) (4.686) 4.125% (2.678) (2.428) 4.125% (2.357) (2.157) 5.000% (4.120) (3.920) 5.000% (4.615) (4.415) 4.000% (2.257) (2.007) 4.000% (1.938) (1.738) 4.990% (4.040) (3.840) 4.875% (4.438) (4.238) 3.875% (1.812) (1.562) 3.875% (1.683) (1.483) 4.875% (3.758) (3.558) 4.750% (3.989) (3.789) 3.750% (1.331) (1.081) 3.750% (1.400) (1.200) 4.750% (3.281) (3.081) 4.625% (3.781) (3.581) 3.625% (1.070) (0.820) 3.625% (0.889) (0.689) 4.625% (3.418) (3.218) 4.500% (3.161) (2.961) 3.500% (0.612) (0.362) 3.500% (0.458) (0.258) 4.500% (2.873) (2.673) 4.375% (2.522) (2.322) 4.250% (1.857) (1.657) 4.125% (1.628) (1.428) 4.000% (1.167) (0.967) 3.990% (1.087) (0.887) 5/1 Libor ARM 7/1 Libor ARM 30 Yr Fixed 20 Yr Fixed Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Start Rate 15 30 Start Rate 15 30 Rate 15 30 Rate 15 30 4.750% (1.748) (1.498) 5.000% (2.533) (2.283) 6.000% #VALUE! #VALUE! 6.000% #VALUE! #VALUE! 4.625% (1.515) (1.265) 4.875% (2.283) (2.033) 5.875% (4.137) (3.937) 5.875% (3.910) (3.710) 4.500% (1.626) (1.376) 4.750% (2.190) (1.940) 5.750% (3.669) (3.469) 5.750% (3.441) (3.241) 4.375% (1.403) (1.153) 4.625% (1.952) (1.702) 5.625% (5.320) (5.120) 5.625% (5.315) (5.115) 4.250% (1.172) (0.922) 4.500% (1.657) (1.407) 5.500% (5.396) (5.196) 5.500% (5.241) (5.041) 4.125% (0.932) (0.682) 4.375% (1.361) (1.111) 5.375% (4.624) (4.424) 5.375% (4.908) (4.708) 4.000% (0.653) (0.403) 4.250% (1.113) (0.863) 5.250% (4.273) (4.073) 5.250% (4.468) (4.268) 3.875% (0.369) (0.119) 4.125% (0.761) (0.511) 5.125% (4.092) (3.892) 5.125% (4.118) (3.918) 3.750% (0.045) 0.205 4.000% (0.717) (0.467) 5.000% (4.012) (3.812) 5.000% (3.937) (3.737) 3.625% 0.290 0.540 3.875% (0.285) (0.035) 4.875% (3.523) (3.323) 4.875% (3.518) (3.318) 3.500% 0.662 0.912 3.750% 0.160 0.410 4.750% (3.030) (2.830) 4.750% (3.024) (2.824) 3.375% 1.038 1.288 3.625% 0.607 0.857 4.625% (2.976) (2.776) 4.625% (2.970) (2.770) 3.250% 1.426 1.676 3.500% 1.036 1.286 4.500% (2.492) (2.292) 4.500% (2.486) (2.286) 4.375% (2.170) (1.970) 4.375% (2.164) (1.964) 4.250% (1.520) (1.320) 4.250% (1.515) (1.315) 4.125% (0.796) (0.596) 4.000% (0.371) (0.171) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 3.875% 0.111 0.311 15 Yr Fixed 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Portfolio High Balance Portfolio High Balance Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30 5.000% (3.215) (3.015) 5.000% (3.215) (2.965) 4.250% (1.376) (1.126) 4.500% (1.625) (1.375) 4.875% (3.082) (2.882) 4.875% (3.082) (2.832) 4.125% (1.147) (0.897) 4.375% (1.329) (1.079) 4.750% (2.905) (2.705) 4.750% (2.905) (2.655) 4.000% (0.906) (0.656) 4.250% (1.034) (0.784) 4.625% (2.683) (2.483) 4.625% (2.683) (2.433) 3.875% (0.646) (0.396) 4.125% (0.729) (0.479) 4.500% (2.621) (2.421) 4.500% (2.621) (2.371) 3.750% (0.377) (0.127) 4.000% (0.354) (0.104) 4.375% (2.641) (2.441) 4.375% (2.641) (2.391) 3.625% (0.105) 0.145 3.875% 0.015 0.265 4.250% (2.275) (2.075) 4.250% (2.275) (2.025) 3.500% 0.214 0.464 3.750% 0.381 0.631 4.125% (1.905) (1.705) 4.125% (1.905) (1.655) 3.375% 0.548 0.798 3.625% 0.751 1.001 4.000% (1.586) (1.386) 4.000% (1.586) (1.336) 3.250% 0.887 1.137 3.500% 1.153 1.403 3.875% (1.217) (1.017) 3.875% (1.217) (0.967) 3.125% 1.232 1.482 3.375% 1.555 1.805 3.750% (0.833) (0.633) 3.750% (0.833) (0.583) 3.000% 1.578 1.828 3.250% 1.962 2.212 3.625% (0.555) (0.355) 3.625% (0.555) (0.305) 2.875% 3.237 3.487 3.125% 2.385 2.635 3.500% (0.217) (0.017) 3.500% (0.217) 0.033 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Page 6

AGENCY Loan Amount Credit Score (Except Terms <=15 Yrs) * Loans $295k-Std Bal Limit (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.200 * Loans $245k-$294,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% * Loans $200k-$244,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 * Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 * Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 * Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 * 2-4 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 * Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 * Manufactured Home 1.0000 (non-trad Credit 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 Occupancy Credit Score * N/O/O up to 75% LTV 2.125 * Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 * N/O/O 75.01-80% LTV 3.375 Subordinate Financing * N/O/O 80.01-85% LTV 4.125 C Miscellaneous LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01 * High LTV 95.01-97% 0.500 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875 * Purchase Bonus (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875 * Escrow Waiver (CA Only) 0.000 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875 * Escrow Waiver (all other states) 0.000 65.01-75% & FICO>=720 0.375 0.375 0.875 0.875 0.875 1.875 * 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 75.01-95% & FICO <720 N/A 1.375 1.375 1.375 1.375 1.875 * ARMs w/ltv 90.01-95% 0.250 75.01-95% & FICO >=720 N/A 1.125 1.125 1.125 1.125 1.875 ** Down Payment Protection Feature (refer to Down Payment Protection Tab). *If using a PRMG Closed End second, the PRMG 1st lien is subject to a LLPA that will be manually added by Secondary and will be: 0.300 to the Cash-out price. Applicable to High Bal only FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% Loan Purpose >=740 0.375 0.625 0.625 0.875 n/a * Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125 n/a * Cash-out Refi 1.000 700-719 0.375 1.000 1.000 1.125 n/a Miscellaneous 680-699 0.375 1.125 1.125 1.750 n/a * High Balance ARM LTV <=75% 0.750 660-679 0.875 1.375 1.375 2.125 n/a * High Balance ARM LTV >75% 1.500 640-659 1.625 2.625 2.625 3.625 n/a Maximum Rebate/Buy 620-639 1.625 2.625 2.625 4.125 n/a All Fixed Rates 105.000 All ARM Rates 103.750 Applicable to Lender Paid Portfolio No MI & Portfolio High Bal No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to 25 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Loan Size >$484,350 (Portfolio No MI & Portfolio High Bal No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO >=800 0.450 0.900 1.260 1.880 >=800 0.340 0.750 1.100 1.720 >=800 0.000 780-799 0.510 0.950 1.420 2.050 780-799 0.390 0.820 1.240 1.920 780-799 0.000 760-779 0.550 1.010 1.480 2.050 760-779 0.430 0.880 1.380 1.920 760-779 0.000 740-759 0.610 1.180 1.770 2.850 740-759 0.490 1.020 1.650 2.700 740-759 0.000 720-739 0.950 1.600 2.250 3.100 720-739 0.770 1.450 2.100 2.950 720-739 0.000 700-719 1.050 1.870 2.750 3.900 700-719 0.780 1.620 2.470 3.650 700-719 0.000 680-699 1.100 1.980 2.980 3.960 680-699 0.790 1.680 2.650 3.650 680-699 0.000 660-679 1.600 3.250 4.950 6.900 660-679 1.150 2.880 4.560 6.520 660-679 0.500 640-659 1.730 3.530 5.120 7.090 640-659 1.340 3.140 4.730 6.700 640-659 0.500 620-639 2.100 4.150 5.850 7.450 620-639 1.630 3.740 5.450 7.050 620-639 1.050 Applicable to <=20 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO FICO FICO >=800 0.310 0.670 1.010 1.550 >=800 0.250 >=800 0.000 >=800 0.000 780-799 0.310 0.680 1.040 1.830 780-799 0.300 780-799 0.000 780-799 0.000 760-779 0.310 0.720 1.050 1.840 760-779 0.300 760-779 0.000 760-779 0.000 740-759 0.330 0.860 1.430 2.640 740-759 0.300 740-759 0.000 740-759 0.000 720-739 0.890 1.220 1.890 2.960 720-739 0.500 720-739 0.000 720-739 0.000 700-719 0.920 1.290 2.710 3.620 700-719 0.700 700-719 0.550 700-719 0.000 680-699 0.940 1.290 2.710 3.640 680-699 0.700 680-699 0.550 680-699 0.120 660-679 1.100 1.420 3.790 6.490 660-679 1.230 660-679 1.050 660-679 0.120 640-659 1.100 1.560 3.990 6.740 640-659 1.230 640-659 1.050 640-659 0.130 620-639 1.100 1.850 4.590 7.050 620-639 1.300 620-639 1.100 620-639 0.170 Applicable to DTI >45% (Portfolio No MI & Portfolio High Bal No MI) FICO >=800 0.240 780-799 0.240 760-779 0.240 740-759 0.240 PRICE ADJUSTMENTS Portfolio, Portfolio High Balance, Portfolio No MI, Portfolio No MI High Balance Price Adjustments 720-739 0.350 Maximum Rebate/Price Cap 700-719 0.420 Portfolio Fixed 105.000 680-699 0.550 Portfolio High Balance Fixed 105.000 660-679 0.690 Portfolio No MI Fixed 105.000 640-659 0.830 Portfolio No MI High Balance Fixed 105.000 620-639 0.920 Portfolio ARMs 103.750 This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Interest rate, terms and programs are subject to change without notice. 2014 Paramount Residential Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243. Page 7

GOVERNMENT FHA 30/25 Yr Fixed 15 Yr Fixed 5/1 ARM High Balance - 30/25/20 Rate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30 6.125% (5.510) (5.310) 4.500% (3.170) (2.970) 4.500% (2.109) (1.859) 5.500% (2.909) (2.709) 6.000% (5.385) (5.185) 4.375% (2.891) (2.691) 4.375% (1.874) (1.624) 5.375% (4.015) (3.815) 5.875% (5.260) (5.060) 4.250% (2.982) (2.782) 4.250% (1.623) (1.373) 5.250% (3.867) (3.667) 5.750% (5.427) (5.227) 4.125% (2.834) (2.634) 4.125% (1.161) (0.911) 5.125% (3.454) (3.254) 5.625% (4.995) (4.795) 4.000% (2.511) (2.311) 4.000% (1.131) (0.881) 5.000% (3.744) (3.544) 5.500% (4.646) (4.446) 3.875% (2.155) (1.955) 3.875% (0.617) (0.367) 4.990% (3.664) (3.464) 5.375% (4.488) (4.288) 3.750% (1.938) (1.738) 3.750% (0.338) (0.088) 4.875% (3.569) (3.369) 5.250% (4.690) (4.490) 3.625% (1.209) (1.009) 3.625% (0.066) 0.184 4.750% (3.339) (3.139) 5.125% (4.926) (4.726) 3.500% (1.085) (0.885) 3.500% 0.235 0.485 4.625% (3.377) (3.177) 5.000% (4.484) (4.284) 3.375% (0.797) (0.597) 3.375% 0.578 0.828 4.500% (3.308) (3.108) 4.990% (4.404) (4.204) 3.250% (0.405) (0.205) 3.250% 0.965 1.215 4.375% (3.136) (2.936) 4.875% (4.120) (3.920) 3.125% 0.507 0.707 4.250% (2.641) (2.441) 4.750% (4.018) (3.818) 3.000% 1.373 1.573 4.125% (2.678) (2.478) 4.625% (4.588) (4.388) 2.875% 1.929 2.129 4.000% (2.266) (2.066) 4.500% (4.137) (3.937) 2.750% 2.492 2.692 3.875% (1.803) (1.603) 4.375% (3.562) (3.362) 3.750% (1.309) (1.109) 4.250% (3.345) (3.145) 3.625% (0.684) (0.484) 4.125% (3.306) (3.106) 3.500% (0.177) 0.023 4.000% (2.856) (2.656) 3.375% 0.342 0.542 3.990% (2.776) (2.576) 3.875% (2.186) (1.986) 3.750% (1.779) (1.579) 3.625% (1.328) (1.128) 3.500% (0.782) (0.582) 2.00 Margin, 1/1/5 Caps High Balance 5/1 ARM Streamline 30 Streamline 15 Streamline HB - 30 Start Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 4.500% (1.438) (1.188) 4.875% (3.566) (3.366) 4.250% (2.801) (2.601) 5.375% (3.590) (3.390) 4.375% (1.146) (0.896) 4.750% (3.708) (3.508) 4.125% (2.417) (2.217) 5.250% (3.442) (3.242) 4.250% (0.958) (0.708) 4.625% (4.238) (4.038) 4.000% (2.182) (1.982) 5.125% (3.029) (2.829) 4.125% (0.496) (0.246) 4.500% (3.787) (3.587) 3.875% (1.826) (1.626) 5.000% (3.319) (3.119) 4.000% (0.343) (0.093) 4.375% (3.212) (3.012) 3.750% (1.610) (1.410) 4.875% (3.144) (2.944) 3.875% (0.211) 0.039 4.250% (3.099) (2.899) 3.625% (0.922) (0.722) 4.750% (2.935) (2.735) 3.750% (0.051) 0.199 4.125% (2.956) (2.756) 3.500% (0.756) (0.556) 4.625% (2.952) (2.752) 3.625% 0.550 0.800 4.000% (2.506) (2.306) 3.375% (0.469) (0.269) 4.500% (2.883) (2.683) 3.500% 0.695 0.945 3.990% (2.426) (2.226) 3.250% (0.076) 0.124 4.375% (2.711) (2.511) 3.375% 0.884 1.134 3.875% (1.837) (1.637) 3.125% 1.155 1.355 4.250% (2.216) (2.016) 3.250% 1.124 1.374 3.750% (1.429) (1.229) 3.000% 1.702 1.902 4.125% (2.253) (2.053) 3.625% (0.820) (0.620) 2.875% 2.258 2.458 4.000% (1.841) (1.641) 2.00 Margin, 1/1/5 Caps 3.500% (0.297) (0.097) 2.750% 2.821 3.021 3.875% (1.378) (1.178) VA/USDA VA 30 Yr Fixed VA 15 Yr Fixed VA 5/1 ARM VA High Balance - 30 Rate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30 6.125% (5.260) (5.060) 4.500% (3.057) (2.807) 4.500% (2.175) (1.925) 5.500% (2.709) (2.509) 6.000% (5.135) (4.935) 4.375% (2.713) (2.463) 4.375% (1.940) (1.690) 5.375% (3.815) (3.615) 5.875% (5.010) (4.810) 4.250% (2.801) (2.551) 4.250% (1.689) (1.439) 5.250% (3.667) (3.467) 5.750% (5.177) (4.977) 4.125% (2.570) (2.320) 4.125% (1.227) (0.977) 5.125% (3.254) (3.054) 5.625% (4.745) (4.545) 4.000% (2.257) (2.007) 4.000% (0.947) (0.697) 5.000% (3.544) (3.344) 5.500% (4.396) (4.196) 3.875% (1.913) (1.663) 3.875% (0.683) (0.433) 4.875% (3.369) (3.169) 5.375% (4.238) (4.038) 3.750% (1.572) (1.322) 3.750% (0.404) (0.154) 4.750% (3.139) (2.939) 5.250% (4.440) (4.240) 3.625% (1.002) (0.752) 3.625% 0.083 0.333 4.625% (3.177) (2.977) 5.125% (4.676) (4.476) 3.500% (0.719) (0.469) 3.500% 0.383 0.633 4.500% (3.108) (2.908) 5.000% (4.234) (4.034) 3.375% (0.431) (0.181) 3.375% 0.676 0.926 4.375% (2.936) (2.736) 4.875% (3.870) (3.670) 3.250% (0.039) 0.211 3.250% 0.981 1.231 4.250% (2.441) (2.241) 4.750% (3.768) (3.568) 3.125% 0.628 0.878 3.125% 2.733 2.983 4.125% (2.478) (2.278) 4.625% (4.338) (4.138) 3.000% 1.516 1.766 3.000% 3.199 3.449 4.000% (2.066) (1.866) 4.500% (3.887) (3.687) 2.875% 2.218 2.468 2.875% 3.674 3.924 3.875% (1.603) (1.403) 4.375% (3.312) (3.112) 2.750% 2.781 3.031 2.750% 4.157 4.407 3.750% (1.109) (0.909) 4.250% (3.095) (2.895) 3.625% (0.609) (0.409) 4.125% (3.056) (2.856) 3.500% (0.102) 0.098 4.000% (2.606) (2.406) 3.875% (1.936) (1.736) 3.750% (1.529) (1.329) 3.625% (1.078) (0.878) 3.500% (0.532) (0.332) 2.00 Margin, 1/1/5 Caps VA IRRRL - 30/25/20 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30 5.000% (3.959) (3.759) 4.500% (2.616) (2.416) 5.000% (2.637) (2.437) 5.250% (4.143) (3.943) 4.875% (3.677) (3.477) 4.375% (2.500) (2.300) 4.875% (2.208) (2.008) 5.125% (4.023) (3.823) 4.750% (3.458) (3.258) 4.250% (2.551) (2.351) 4.750% (3.035) (2.835) 5.000% (3.895) (3.695) 4.625% (3.919) (3.719) 4.125% (2.198) (1.998) 4.625% (2.545) (2.345) 4.875% (3.429) (3.229) 4.500% (3.530) (3.330) 4.000% (2.120) (1.920) 4.500% (2.371) (2.171) 4.750% (4.531) (4.331) 4.375% (3.107) (2.907) 3.875% (1.764) (1.564) 4.375% (2.143) (1.943) 4.625% (4.665) (4.465) 4.250% (2.849) (2.649) 3.750% (1.547) (1.347) 4.250% (2.144) (1.944) 4.500% (4.340) (4.140) 4.125% (2.887) (2.687) 3.625% (0.754) (0.554) 4.125% (1.657) (1.457) 4.375% (3.888) (3.688) 4.000% (2.499) (2.299) 3.500% (0.694) (0.494) 4.000% (1.135) (0.935) 4.250% (3.259) (3.059) 3.875% (1.830) (1.630) 3.375% (0.406) (0.206) 3.875% (0.608) (0.408) 4.125% (3.004) (2.804) 3.750% (1.328) (1.128) 3.250% (0.014) 0.186 3.750% (0.290) (0.090) 4.000% (2.451) (2.251) 3.625% (0.999) (0.799) 3.125% 1.158 1.358 3.625% 0.780 0.980 3.875% (1.855) (1.655) 3.500% (0.318) (0.118) 3.000% 1.541 1.741 3.500% 1.426 1.626 3.750% (1.294) (1.094) Government Price Adjustments Loan Amount FICO * Loans $250k-Std Bal Limit -0.200 * Fico Scores 720+ (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IRRRL Std & High Bal) -0.375 * Loans $175k-$249,999-0.100 * Fico Scores >= 700 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.375 * Loans $75k-$99,999 0.250 * Fico Scores 680-719 (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IRRRL Std & High Ba -0.125 * Loans $50k-$74,999 0.750 * Fico Scores 680-699 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.250 * Loans $30k-$49,999 2.000 * Fico Scores 640-679 (VA IRRRL High Bal only) 0.625 * Loans < $30,000 Contact Secondary * Fico Scores 640-679 (FHA Std Bal Streamline Only) 0.250 * Loans $1M-$1.5m (VA High Bal only) 0.500 * Fico Scores 660-679 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.125 * Loans >=$1m (VA IRRRL High Bal only) 0.625 * Fico Scores 640-659 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.500 * Fico Scores 620-639 1.375 * Fico Scores 600-619 1.875 LTV * Fico Scores 580-599 2.625 * Streamline CLTV 100.01-125% 0.250 * No FICO Score (Non-Traditional Credit only) 2.625 * VA IRRRL & VA IRRRL High Bal w/ltv >100-105% 0.250 * Fico Scores 550-579 3.375 * VA IRRRL & VA IRRRL High Bal w/ltv >105% 0.500 Miscellaneous Occupancy * Purchase Bonus (FHA, VA only - All Standard Bal Fixed only) -0.100 * Non Owner Occupied 1.000 * Down Payment Asst Prgrms (FHA High Bal only) 0.375 Maximum Rebate/Price Cap * FHA Manufactured Home 1.250 All Fixed Rates 105.000 * USDA/VA Manufactured Home 1.000 All ARM Rates 103.750 ** Down Payment Protection Feature (refer to Down Payment Protection Tab). 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Down Payment Protection Feature LTV 80.00% Group 1 0.645 Group 2 0.890 Group 3 1.071 Group 4 1.471 Group 5 1.716 Available Programs * Purchase only 80.01%-81.00% 0.629 0.861 1.035 1.419 1.659 * Agency 81.01%-82.00% 0.614 0.833 0.999 1.369 1.603 * Agency NO MI 82.01%-83.00% 0.599 0.806 0.965 1.320 1.549 * Agency LP 83.01%-84.00% 0.585 0.779 0.931 1.273 1.496 * Agency High Balance 84.01%-85.00% 0.571 0.753 0.898 1.226 1.445 * Home Ready 85.01%-86.00% 0.550 0.718 0.857 1.171 1.380 * Home Possible 86.01%-87.00% 0.529 0.683 0.816 1.117 1.317 * FHLMC Super Confriming 87.01%-88.00% 0.509 0.650 0.776 1.065 1.255 * FHA 88.01%-89.00% 0.489 0.617 0.737 1.013 1.194 * FHA Portfolio 89.01%-90.00% 0.470 0.585 0.699 0.963 1.135 * FHA Portfolio No Score 90.01%-91.00% 0.431 0.538 0.642 0.885 1.041 * FHA 203H 91.01%-92.00% 0.393 0.491 0.586 0.808 0.949 * FHA Portfolio GNND 92.01%-93.00% 93.01%-94.00% 94.01%-95.00% 0.282 0.358 0.424 0.587 0.684 Programs- Not Allowed 95.01%-96.00% 0.202 0.252 0.299 0.417 0.488 * Refinance 96.01%-96.50% 0.191 0.237 0.282 0.395 0.462 * Agency Tx Home Equity 96.51%-97.00% 0.181 0.223 0.266 0.372 0.436 * Niche * Jumbos AK, AL, AR, CA, CO, CT, DC, HI, IA, IL, IN, KS, KY, LA, MA, ME, MO, MS, MT, NC, ND, NE, NH, NJ, * FHA Streamilines Group1 NM, OH, OK, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV * DU Refi Plus Group2 Group3 Group4 Group5 DE, FL, MD, MI, MN, RI, UT GA, OR ID AZ, NV Down Payment Protection Feature 0.355 0.446 0.530 0.732 0.859 0.318 0.402 0.476 0.659 0.771 * Closed End Seconds * VA IRRRLS * FHA 203K Notes: 1 - All rates include State level fees and taxes. 2 - Maximum coverage available cannot exceed $200,000 Rate Sheet: WHLS-1000

GENERIC JUMBO / CONVENTIONAL NON-CONFORMING Diamond 30 Yr Fixed Diamond 15 Yr Fixed Diamond 5/1 ARM Diamond 7/1 ARM Rate 30 45 Rate 30 45 Rate 30 45 Rate 30 45 6.000% (4.354) (4.104) 5.875% (5.368) (5.118) 4.375% 0.123 0.373 4.500% (0.178) 0.072 5.875% (3.932) (3.682) 5.750% (4.852) (4.602) 4.250% 0.224 0.474 4.375% 0.115 0.365 5.750% (3.510) (3.260) 5.625% (4.337) (4.087) 4.125% 0.444 0.694 4.250% 0.328 0.578 5.625% (3.089) (2.839) 5.500% (3.821) (3.571) 4.000% 0.622 0.872 4.125% 0.571 0.821 5.500% (2.667) (2.417) 5.375% (3.305) (3.055) 3.875% 0.815 1.065 4.000% 0.864 1.114 5.375% (2.245) (1.995) 5.250% (2.790) (2.540) 3.750% 1.101 1.351 3.875% 1.167 1.417 5.250% (1.823) (1.573) 5.125% (2.274) (2.024) 3.625% 1.425 1.675 3.750% 1.566 1.816 5.125% (1.401) (1.151) 5.000% (1.758) (1.508) 3.500% 1.761 2.011 3.625% 2.151 2.401 5.000% (0.979) (0.729) 4.875% (1.243) (0.993) 3.375% 2.308 2.558 3.500% 2.776 3.026 4.875% (0.557) (0.307) 4.750% (0.735) (0.485) 3.250% 2.855 3.105 3.375% 3.401 3.651 4.750% (0.104) 0.146 4.625% (0.468) (0.218) 4.625% 0.367 0.617 4.500% (0.156) 0.094 4.500% 0.870 1.120 4.375% 0.063 0.313 Ruby 30 Yr Fixed Ruby 15 Yr Fixed Ruby 5/1 ARM Ruby 7/1 ARM Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30 5.250% (2.752) (2.502) 4.500% (1.945) (1.695) 4.500% (2.243) (1.993) 4.500% (2.371) (2.121) 5.125% (2.443) (2.193) 4.375% (1.718) (1.468) 4.375% (1.998) (1.748) 4.375% (2.170) (1.920) 5.000% (2.116) (1.866) 4.250% (1.399) (1.149) 4.250% (1.763) (1.513) 4.250% (1.914) (1.664) 4.875% (1.788) (1.538) 4.125% (1.060) (0.810) 4.125% (1.570) (1.320) 4.125% (1.633) (1.383) 4.750% (1.455) (1.205) 4.000% (0.809) (0.559) 4.000% (1.275) (1.025) 4.000% (1.364) (1.114) 4.625% (1.086) (0.836) 3.875% (0.437) (0.187) 3.875% (0.964) (0.714) 3.875% (0.951) (0.701) 4.500% (0.702) (0.452) 3.750% (0.022) 0.228 3.750% (0.635) (0.385) 3.750% (0.510) (0.260) 4.375% (0.327) (0.077) 3.625% 0.421 0.671 3.625% (0.249) 0.001 3.625% (0.145) 0.105 4.250% 0.035 0.285 3.500% 0.810 1.060 3.500% 0.119 0.369 3.500% 0.245 0.495 4.125% 0.457 0.707 3.375% 1.380 1.630 3.375% 0.504 0.754 3.375% 0.660 0.910 4.000% 0.841 1.091 3.250% 1.948 2.198 3.250% 0.907 1.157 3.250% 1.179 1.429 3.875% 1.212 1.462 3.750% 1.578 1.828 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) DIAMOND JUMBO RUBY JUMBO 2.25 Margin, 2/2/5 Caps 2.25 Margin, 2/2/5 Caps PLATINUM JUMBO Platinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARM Platinum 7/1 ARM Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30 5.250% (2.891) (2.641) 4.875% (2.873) (2.623) 4.875% (2.330) (2.080) 4.875% (2.061) (1.811) 5.125% (2.600) (2.350) 4.750% (2.572) (2.322) 4.750% (2.048) (1.798) 4.750% (1.957) (1.707) 5.000% (2.242) (1.992) 4.625% (2.215) (1.965) 4.625% (1.726) (1.476) 4.625% (1.759) (1.509) 4.875% (1.832) (1.582) 4.500% (1.817) (1.567) 4.500% (1.375) (1.125) 4.500% (1.483) (1.233) 4.750% (1.381) (1.131) 4.375% (1.394) (1.144) 4.375% (1.003) (0.753) 4.375% (1.144) (0.894) 4.625% (0.902) (0.652) 4.250% (0.962) (0.712) 4.250% (0.619) (0.369) 4.250% (0.759) (0.509) 4.500% (0.407) (0.157) 4.125% (0.529) (0.279) 4.125% (0.234) 0.016 4.125% (0.342) (0.092) 4.375% 0.090 0.340 4.000% (0.085) 0.165 4.000% 0.177 0.427 4.000% 0.090 0.340 4.250% 0.598 0.848 3.875% 0.385 0.635 3.875% 0.622 0.872 3.875% 0.546 0.796 4.125% 1.124 1.374 3.750% 0.892 1.142 3.750% 1.110 1.360 3.750% 1.033 1.283 2.50 Margin, 5/2/5 Caps 2.50 Margin, 5/2/5 Caps Page 10