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FHA Loan Programs FHA 30yr Fixed FHA 30yr Fixed High Balance FHA 15yr Fixed F30F H30F F15F 5.000 (6.000) (6.000) (6.000) (6.000) 4.625 (5.596) (5.471) (5.346) (5.221) 4.125 (4.870) (4.729) (4.566) (4.406) 4.875 (6.000) (6.000) (6.000) (6.000) 4.500 (5.180) (5.055) (4.930) (4.805) 4.000 (4.571) (4.430) (4.267) (4.107) 4.750 (6.000) (6.000) (6.000) (6.000) 4.375 (4.774) (4.649) (4.524) (4.399) 3.875 (4.191) (4.050) (3.887) (3.727) 4.625 (6.000) (6.000) (6.000) (6.000) 4.250 (4.550) (4.394) (4.269) (4.144) 3.750 (3.798) (3.657) (3.494) (3.334) 4.500 (6.000) (6.000) (6.000) (6.000) 4.125 (4.114) (3.957) (3.832) (3.707) 3.625 (3.940) (3.799) (3.636) (3.476) 4.375 (6.000) (6.000) (6.000) (5.899) 4.000 (3.687) (3.531) (3.406) (3.281) 3.500 (3.623) (3.482) (3.319) (3.159) 4.250 (6.000) (5.894) (5.769) (5.644) 3.875 (3.207) (3.051) (2.926) (2.801) 3.375 (3.219) (3.078) (2.915) (2.755) 4.125 (5.614) (5.457) (5.332) (5.207) 3.750 (2.738) (2.581) (2.456) (2.331) 3.250 (2.801) (2.660) (2.497) (2.337) 4.000 (5.187) (5.031) (4.906) (4.781) 3.625 (1.665) (1.509) (1.321) (1.196) 3.125 (2.018) (1.877) (1.714) (1.554) 3.875 (4.707) (4.551) (4.426) (4.301) 3.500 (1.164) (1.008) (0.820) (0.695) 3.000 (1.682) (1.541) (1.378) (1.218) 3.750 (4.238) (4.081) (3.956) (3.831) 3.375 (0.672) (0.516) (0.329) (0.204) 2.875 (1.253) (1.112) (0.949) (0.789) 3.625 (3.165) (3.009) (2.821) (2.696) 3.250 (0.128) 0.028 0.216 0.341 2.750 (0.812) (0.671) (0.508) (0.348) 3.500 (2.664) (2.508) (2.320) (2.195) 3.375 (2.172) (2.016) (1.829) (1.704) 3.250 (1.628) (1.472) (1.284) (1.159) * Premier FHA Experts * Min. FICO 550 (90% max) Min FICO 580(96.5% max) * Max LTV of 96.5% * Debt to income ratio determined by AUS Loan Amt $300,000-$399,999 0.125 FICO 660-679 0.250 Zone 1 0.125 0.000 0.000 Loan Amt $200,000-$299,999 0.250 FICO 640-659 0.500 Loan Amt $100,000-$199,999 0.625 FICO 620-639 1.500 Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Loan Amt $50,000-$99,999 1.750 FICO 600-619 2.250 Zone 3 IN, KY, MN, MO, OH, OR, TN 0.125-0.125-0.125 Loan Amt <$50,000 3.750 FICO 580-599 2.500 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 3-4 Units 0.750 FICO 560-579 (max LTV 90%) 2.500 Zone 5 TX 0.000-0.250-0.250 Manufactured Housing 1.000 FICO 550-559 (max LTV 90%) 2.750 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 DTI >50 0.250 Manual U/W 1.000 Zone 7 CA, NC, KS, NV 0.500 0.125-0.125 Exceptions 0.750 - Instantly qualify your borrowers - Real time pricing scenarios - Current loan status - Lock your loans in under 2 minutes - Direct access to your pipeline - Fully adjusted pricing - Immediate product updates - Faster service times LOCK DESK E-MAIL ADDRESSES lockdesk@carringtonms.com LOCK EXTENSION COSTS LOAN FEES INDICES LOCK EXPIRATION DATE 7 DAY (CTC only) 0.125 UNDERWRITING $0.00 PRIME 3.250 15 - Day 3/5/15 10 DAY 0.250 1-YR LIBOR 1.059 30 - Day 3/20/15 15 DAY 0.500 1-YR TREASURY CMT 0.170 45 - Day 4/4/15 MAX 30 DAYS TOTAL $0.00 60- Day 4/19/15 Page 1 of 5

FHA Streamline Loan Programs FHA 30yr Fixed FHA 30yr Fixed High Balance FHA 15yr Fixed F30FSR H30FSR F15FSR 5.000 (6.000) (6.000) (6.000) (6.000) 4.625 (5.596) (5.471) (5.346) (5.221) 4.125 (4.870) (4.729) (4.566) (4.406) 4.875 (6.000) (6.000) (6.000) (6.000) 4.500 (5.180) (5.055) (4.930) (4.805) 4.000 (4.571) (4.430) (4.267) (4.107) 4.750 (6.000) (6.000) (6.000) (6.000) 4.375 (4.774) (4.649) (4.524) (4.399) 3.875 (4.191) (4.050) (3.887) (3.727) 4.625 (6.000) (6.000) (6.000) (6.000) 4.250 (4.550) (4.394) (4.269) (4.144) 3.750 (3.798) (3.657) (3.494) (3.334) 4.500 (6.000) (6.000) (6.000) (6.000) 4.125 (4.114) (3.957) (3.832) (3.707) 3.625 (3.940) (3.799) (3.636) (3.476) 4.375 (6.000) (6.000) (6.000) (5.899) 4.000 (3.687) (3.531) (3.406) (3.281) 3.500 (3.623) (3.482) (3.319) (3.159) 4.250 (6.000) (5.894) (5.769) (5.644) 3.875 (3.207) (3.051) (2.926) (2.801) 3.375 (3.219) (3.078) (2.915) (2.755) 4.125 (5.614) (5.457) (5.332) (5.207) 3.750 (2.738) (2.581) (2.456) (2.331) 3.250 (2.801) (2.660) (2.497) (2.337) 4.000 (5.187) (5.031) (4.906) (4.781) 3.625 (1.665) (1.509) (1.321) (1.196) 3.125 (2.018) (1.877) (1.714) (1.554) 3.875 (4.707) (4.551) (4.426) (4.301) 3.500 (1.164) (1.008) (0.820) (0.695) 3.000 (1.682) (1.541) (1.378) (1.218) 3.750 (4.238) (4.081) (3.956) (3.831) 3.375 (0.672) (0.516) (0.329) (0.204) 2.875 (1.253) (1.112) (0.949) (0.789) 3.625 (3.165) (3.009) (2.821) (2.696) 3.250 (0.128) 0.028 0.216 0.341 2.750 (0.812) (0.671) (0.508) (0.348) 3.500 (2.664) (2.508) (2.320) (2.195) 3.375 (2.172) (2.016) (1.829) (1.704) 3.250 (1.628) (1.472) (1.284) (1.159) * Premier FHA Experts * Min.FICO 550 (125% max based on original app. value) * Max CLTV of 125% * Debt to income ratio determined by AUS * No income or Appraisal on Streamline Refi Loan Amt $300,000-$399,999 0.000 Zone State <100k 100k-150k >150k Loan Amt $200,000-$299,999 0.125 FICO 660-679 0.250 Zone 1 0.125 0.000 0.000 Loan Amt $100,000-$199,999 0.375 FICO 640-659 0.500 Loan Amt $50,000-$99,999 0.875 FICO 620-639 1.500 Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Loan Amt <$50,000 1.875 FICO 600-619 2.250 Zone 3 IN, KY, MN, MO, OH, OR, TN 0.125-0.125-0.125 2 Units 0.000 FICO 560-599 2.500 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 3-4 Units 0.750 FICO 560-579 2.500 Zone 5 TX 0.000-0.250-0.250 Manufactured Housing 1.000 FICO 550-559 2.750 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 DTI >50 0.250 Non-Ownner 0.750 Zone 7 CA, NC, KS, NV 0.500 0.125-0.125 Exceptions 0.750 MAX REBATE Streamline (-5.250) Page 2 of 5

VA 30yr Fixed V30F H30FVA 5.250 (6.000) (6.000) (6.000) (6.000) 4.625 (5.671) (5.546) (5.421) (5.296) 5.125 (6.000) (6.000) (6.000) (6.000) 4.500 (5.255) (5.130) (5.005) (4.880) 5.000 (6.000) (6.000) (6.000) (6.000) 4.375 (4.849) (4.724) (4.599) (4.474) 4.875 (6.000) (6.000) (6.000) (6.000) 4.250 (4.625) (4.469) (4.344) (4.219) 4.750 (6.000) (6.000) (6.000) (6.000) 4.125 (4.189) (4.032) (3.907) (3.782) 4.625 (6.000) (6.000) (6.000) (6.000) 4.000 (3.762) (3.606) (3.481) (3.356) 4.500 (6.000) (6.000) (6.000) (5.880) 3.875 (3.282) (3.126) (3.001) (2.876) 4.375 (5.849) (5.724) (5.599) (5.474) 3.750 (2.813) (2.656) (2.531) (2.406) 4.250 (5.625) (5.469) (5.344) (5.219) 3.625 (1.740) (1.584) (1.396) (1.271) 4.125 (5.189) (5.032) (4.907) (4.782) 3.500 (1.239) (1.083) (0.895) (0.770) 4.000 (4.762) (4.606) (4.481) (4.356) 3.375 (0.747) (0.591) (0.404) (0.279) 3.875 (4.282) (4.126) (4.001) (3.876) 3.250 (0.203) (0.047) 0.141 0.266 VA Loan Programs VA 30yr Fixed High Balance VA PRICE ADJUSTMENTS Loan Amt > $600,000 0.500 Manufactured Housing 1.000 Loan Amt>= $400,000 0.000 Exceptions 0.750 Loan Amt $300,000-$399,999 0.125 Manual U/W 1.000 Loan Amt $200,000-$299,999 0.250 Loan Amt $100,000-$199,999 0.625 FICO 620-639 1.250 Loan Amt $50,000-$99,999 1.750 FICO 600-619 1.750 Loan Amt < $50,000 3.750 FICO 560-599 2.500 FICO 550-559 2.750 Zone State <100k 100k-150k >150k Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, 0.125 0.000 0.000 WV, NV Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Zone 3 IN, KY, MN, MO, OH, OR, TN 0.125-0.125-0.125 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 Zone 5 TX 0.000-0.250-0.250 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 Zone 7 NC, KS 0.500 0.125-0.125 VA 30yr Fixed VA IRRRL Loan Programs VA 30yr Fixed High Balance V30FIRRRL H30FVIRRRL 4.625 (6.000) (6.000) (6.000) (5.946) 4.625 (6.000) (5.946) (5.821) (5.696) 4.500 (5.905) (5.780) (5.655) (5.530) 4.500 (5.655) (5.530) (5.405) (5.280) 4.375 (5.499) (5.374) (5.249) (5.124) 4.375 (5.249) (5.124) (4.999) (4.874) 4.250 (5.275) (5.119) (4.994) (4.869) 4.250 (5.025) (4.869) (4.744) (4.619) 4.125 (4.839) (4.682) (4.557) (4.432) 4.125 (4.589) (4.432) (4.307) (4.182) 4.000 (4.412) (4.256) (4.131) (4.006) 4.000 (4.162) (4.006) (3.881) (3.756) 3.875 (3.932) (3.776) (3.651) (3.526) 3.875 (3.682) (3.526) (3.401) (3.276) 3.750 (3.463) (3.306) (3.181) (3.056) 3.750 (3.213) (3.056) (2.931) (2.806) 3.625 (2.390) (2.234) (2.046) (1.921) 3.625 (2.140) (1.984) (1.796) (1.671) 3.500 (1.889) (1.733) (1.545) (1.420) 3.500 (1.639) (1.483) (1.295) (1.170) 3.375 (1.397) (1.241) (1.054) (0.929) 3.375 (1.147) (0.991) (0.804) (0.679) 3.250 (0.853) (0.697) (0.509) (0.384) 3.250 (0.603) (0.447) (0.259) (0.134) VA PRICE ADJUSTMENTS Loan Amt > $600,000 0.500 Exceptions 0.750 Loan Amt >= $300,000 0.000 Manufactured Housing 1.000 Loan Amt $200,000-$299,999 0.125 FICO 620-639 1.250 Loan Amt $100,000-$199,999 0.375 FICO 600-619 1.750 Loan Amt $50,000-$99,999 0.875 FICO 560-599 2.500 Loan Amt <$50,000 1.875 FICO 550-559 2.750 3-4 Units 0.750 Non-Owner 0.750 Zone State <100k 100k-150k >150k Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, 0.125 0.000 0.000 WV, NV Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Zone 3 IN, KY, MN, MO, OH, OR, TN 0.125-0.125-0.125 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 Zone 5 TX 0.000-0.250-0.250 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 Zone 7 NC, KS 0.500 0.125-0.125 Page 3 of 5

FHA 30yr 203K & 203(b) Repair Escrow F30F203K, F30FRE H30F203K, H30FRE Rate 45 Day 60 Day Rate 45 Day 60 Day 5.250 (6.000) (6.000) 4.625 (4.346) (4.221) 5.125 (6.000) (6.000) 4.500 (3.930) (3.805) 5.000 (6.000) (6.000) 4.375 (3.524) (3.399) 4.875 (6.000) (6.000) 4.250 (3.269) (3.144) 4.750 (6.000) (6.000) 4.125 (2.832) (2.707) 4.625 (5.646) (5.521) 4.000 (2.406) (2.281) 4.500 (5.230) (5.105) 3.875 (1.926) (1.801) 4.375 (4.824) (4.699) 3.750 (1.456) (1.331) 4.250 (4.569) (4.444) 3.625 (0.321) (0.196) 4.125 (4.132) (4.007) 3.500 0.180 0.305 4.000 (3.706) (3.581) 3.375 0.671 0.796 3.875 (3.226) (3.101) 3.250 1.216 1.341 3.750 (2.756) (2.631) FHA 203K Streamline Loan Programs & FHA 203(b) Repair Escrow FHA 30yr Fixed High Bal. 203K & Repair Escrow Loan Amt >= $300,000 0.125 Zone State <100k 100k-150k >150k Loan Amt $200,000-$299,999 0.250 FICO 660-679 0.250 Zone 1 0.125 0.000 0.000 Loan Amt $100,000-$199,999 0.625 FICO 640-659 0.500 Loan Amt $50,000-$99,999 1.750 FICO 620-639 1.500 Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Loan Amt <$50,000 3.750 FICO 600-619 2.250 Zone 3 IN, KY, MN, MO, OH, OR, TN 0.125-0.125-0.125 2 Units 0.000 FICO 560-599 2.500 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 3-4 Units 0.750 FICO 560-579 (max LTV 90%) 2.500 Zone 5 TX 0.000-0.250-0.250 Exceptions 0.750 FICO 550-559 (max LTV 90%) 2.750 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 Zone 7 CA, NC, KS, NV 0.500 0.125-0.125 FHA $100 Down Payment Loan Programs * Min. FICO 550 (90% max) Min FICO 580(96.5% max) * Max Debt to income ratio 49.99% FHA 30yr Fixed $100 Down Pmt FHA 15yr Fixed $100 Down Pmt FHA 30yr Fixed High Bal $100 Down Pmt F30F100D F15F100D H30F100D 5.250 (6.000) (6.000) (6.000) (6.000) 4.125 (4.370) (4.229) (4.066) (3.906) 4.625 (4.596) (4.471) (4.346) (4.221) 5.125 (6.000) (6.000) (6.000) (6.000) 4.000 (4.071) (3.930) (3.767) (3.607) 4.500 (4.180) (4.055) (3.930) (3.805) 5.000 (6.000) (6.000) (6.000) (6.000) 3.875 (3.691) (3.550) (3.387) (3.227) 4.375 (3.774) (3.649) (3.524) (3.399) 4.875 (6.000) (6.000) (6.000) (6.000) 3.750 (3.298) (3.157) (2.994) (2.834) 4.250 (3.550) (3.394) (3.269) (3.144) 4.750 (6.000) (6.000) (6.000) (6.000) 3.625 (3.440) (3.299) (3.136) (2.976) 4.125 (3.114) (2.957) (2.832) (2.707) 4.625 (5.946) (5.821) (5.696) (5.571) 3.500 (3.123) (2.982) (2.819) (2.659) 4.000 (2.687) (2.531) (2.406) (2.281) 4.500 (5.530) (5.405) (5.280) (5.155) 3.375 (2.719) (2.578) (2.415) (2.255) 3.875 (2.207) (2.051) (1.926) (1.801) 4.375 (5.124) (4.999) (4.874) (4.749) 3.250 (2.301) (2.160) (1.997) (1.837) 3.750 (1.738) (1.581) (1.456) (1.331) 4.250 (4.900) (4.744) (4.619) (4.494) 3.125 (1.518) (1.377) (1.214) (1.054) 3.625 (0.665) (0.509) (0.321) (0.196) 4.125 (4.464) (4.307) (4.182) (4.057) 3.000 (1.182) (1.041) (0.878) (0.718) 3.500 (0.164) (0.008) 0.180 0.305 4.000 (4.037) (3.881) (3.756) (3.631) 2.875 (0.753) (0.612) (0.449) (0.289) 3.375 0.328 0.484 0.671 0.796 3.875 (3.557) (3.401) (3.276) (3.151) 2.750 (0.312) (0.171) (0.008) 0.152 3.250 0.872 1.028 1.216 1.341 3.750 (3.088) (2.931) (2.806) (2.681) Loan Amt $300,000-$399,999 0.125 Zone 1 n/a n/a n/a n/a Loan Amt $200,000-$299,999 0.250 FICO 660-679 0.250 Zone 2 IL 0.125 0.000 0.000 Loan Amt $100,000-$199,999 0.625 FICO 640-659 0.500 Zone 3 IN, TN 0.125-0.125-0.125 Loan Amt $50,000-$99,999 1.750 FICO 620-639 1.500 Zone 4 GA 0.125-0.150-0.150 Loan Amt <$50,000 3.750 FICO 600-619 2.250 Zone 5 n/a n/a n/a n/a Manual U/W 1.000 FICO 580-599 2.500 Zone 6 FL 0.250 0.000 0.000 Exceptions 0.750 Zone 7 NC 0.500 0.125-0.125 * Min. FICO 580 * Max Debt to income ratio 43% * Purchase Transaction Only * 1-2 Units Only Page 4 of 5

USDA 30yr Fixed U30F UH30F 5.250 (6.000) (6.000) (6.000) (6.000) 5.250 (6.000) (6.000) (6.000) (6.000) 5.125 (6.000) (6.000) (6.000) (6.000) 5.125 (6.000) (6.000) (6.000) (6.000) 5.000 (6.000) (6.000) (6.000) (6.000) 5.000 (6.000) (6.000) (6.000) (6.000) 4.875 (6.000) (6.000) (6.000) (6.000) 4.875 (6.000) (6.000) (6.000) (5.891) 4.750 (6.000) (6.000) (6.000) (6.000) 4.750 (5.866) (5.756) (5.631) (5.506) 4.625 (6.000) (6.000) (5.946) (5.821) 4.625 (5.146) (5.021) (4.896) (4.771) 4.500 (5.780) (5.655) (5.530) (5.405) 4.500 (4.730) (4.605) (4.480) (4.355) 4.375 (5.374) (5.249) (5.124) (4.999) 4.375 (4.324) (4.199) (4.074) (3.949) 4.250 (5.150) (4.994) (4.869) (4.744) 4.250 (4.100) (3.944) (3.819) (3.694) 4.125 (4.714) (4.557) (4.432) (4.307) 4.125 (3.664) (3.507) (3.382) (3.257) 4.000 (4.287) (4.131) (4.006) (3.881) 4.000 (3.237) (3.081) (2.956) (2.831) 3.875 (3.807) (3.651) (3.526) (3.401) 3.875 (2.757) (2.601) (2.476) (2.351) 3.750 (3.338) (3.181) (3.056) (2.931) 3.750 (2.287) (2.131) (2.006) (1.881) USDA Loan Program USDA 30yr Fixed High Balance USDA PRICE ADJUSTMENTS Loan Amt $300,000-$399,999 0.125 Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, 0.125 0.000 0.000 Loan Amt $200,000-$299,999 0.250 FICO 660-679 0.250 WV Loan Amt $100,000-$199,999 0.625 FICO 640-659 0.750 Zone 2 DC, DE, IL, MI, WA, WI 0.125 0.000 0.000 Loan Amt $50,000-$99,999 1.750 FICO 620-639 1.250 Zone 3 IN, KY, MN, MO, OR, TN 0.125-0.125-0.125 Loan Amt <$50,000 3.750 FICO 600-619 1.750 Zone 4 GA, NY, OK, PA, AL, AR, SC 0.125-0.150-0.150 Exceptions 0.750 FICO 560-599 2.500 Zone 5 TX 0.000-0.250-0.250 Manual U/W 1.000 FICO 560-579 2.500 Zone 6 CT, FL, MD, NJ, VA 0.250 0.000 0.000 FICO 550-559 2.750 Zone 7 NC, KS, NV 0.500 0.125-0.125 * Min. FICO 550 * Max Debt to income ratio 41% USDA PILOT USDA PILOT 30yr Fixed USDA PILOT 30yr Fixed High Balance U30FP UH30FP 5.250 (6.000) (6.000) (6.000) (6.000) 5.250 (6.000) (6.000) (6.000) (6.000) 5.125 (6.000) (6.000) (6.000) (6.000) 5.125 (6.000) (6.000) (6.000) (6.000) 5.000 (6.000) (6.000) (6.000) (6.000) 5.000 (6.000) (6.000) (6.000) (6.000) 4.875 (6.000) (6.000) (6.000) (6.000) 4.875 (6.000) (6.000) (6.000) (5.891) 4.750 (6.000) (6.000) (6.000) (6.000) 4.750 (5.866) (5.756) (5.631) (5.506) 4.625 (6.000) (6.000) (5.946) (5.821) 4.625 (5.146) (5.021) (4.896) (4.771) 4.500 (5.780) (5.655) (5.530) (5.405) 4.500 (4.730) (4.605) (4.480) (4.355) 4.375 (5.374) (5.249) (5.124) (4.999) 4.375 (4.324) (4.199) (4.074) (3.949) 4.250 (5.150) (4.994) (4.869) (4.744) 4.250 (4.100) (3.944) (3.819) (3.694) 4.125 (4.714) (4.557) (4.432) (4.307) 4.125 (3.664) (3.507) (3.382) (3.257) 4.000 (4.287) (4.131) (4.006) (3.881) 4.000 (3.237) (3.081) (2.956) (2.831) 3.875 (3.807) (3.651) (3.526) (3.401) 3.875 (2.757) (2.601) (2.476) (2.351) 3.750 (3.338) (3.181) (3.056) (2.931) 3.750 (2.287) (2.131) (2.006) (1.881) USDA PRICE ADJUSTMENTS Loan Amt $300,000-$399,999 0.125 Zone 1 0.125 0.000 0.000 Loan Amt $200,000-$299,999 0.250 FICO 660-679 0.250 AZ, CA, CO, ID, NM, RI, WV Loan Amt $100,000-$199,999 0.625 FICO 640-659 0.750 Zone 2 IL, MI, WA, WI 0.125 0.000 0.000 Loan Amt $50,000-$99,999 1.750 FICO 620-639 1.250 Zone 3 KY, MO, OR, TN 0.125-0.125-0.125 Loan Amt <$50,000 3.750 FICO 600-619 1.750 Zone 4 GA, OK, AL, AR, SC 0.125-0.150-0.150 Exceptions 0.750 FICO 560-599 2.500 Zone 5 TX 0.000-0.250-0.250 FICO 560-579 2.500 Zone 6 FL, NJ 0.250 0.000 0.000 FICO 550-559 2.750 Zone 7 NC, KS, NV 0.500 0.125-0.125 * Min. FICO 550 Page 5 of 5

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