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

(800) 851-0263 www.crescentmortgage.com Friday, April 19, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 4/19/2019 Bond Market is Closed Today For "Good Friday". Today's Pricing Effective ET 30Yr. Bond Yield 2.959%, 10Yr. Bond Yield 2.560% as of 2:00 pm ET Yesterday 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: 04/19/19 Conventional Conforming Fixed / ARM Effective ET EXPIRATION DATES (Must close by expiration date) 30 DAY 05/19/19 60 DAY 06/18/19 LIBOR 12 MONTH 2.746 15 Day Lock for Approved Loans only. FNMA 30 Day Yield 3.835 Fannie Mae Fixed Rate (DU) See Scenario Pricer for 10yr price - Fannie Mae 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 4.875 103.831 103.731 103.581 103.331 4.875 103.816 103.716 103.566 103.316 4.375 103.172 103.072 102.922 102.672 4.750 103.482 103.382 103.232 102.982 4.750 103.472 103.372 103.222 102.972 4.250 102.802 102.702 102.552 102.302 4.625 103.182 103.082 102.932 102.682 4.625 103.172 103.072 102.922 102.672 4.125 102.488 102.388 102.238 101.988 4.500 102.845 102.745 102.595 102.345 4.500 102.864 102.764 102.614 102.364 4.000 102.197 102.097 101.947 101.697 4.490 102.710 102.610 102.460 102.210 4.490 102.744 102.644 102.494 102.244 3.990 102.077 101.977 101.827 101.577 4.375 102.554 102.454 102.304 102.054 4.375 102.567 102.467 102.317 102.067 3.875 101.866 101.766 101.616 101.366 4.250 101.765 101.665 101.515 101.265 4.250 101.896 101.796 101.646 101.396 3.750 101.275 101.175 101.025 100.775 4.125 101.006 100.906 100.756 100.506 4.125 101.133 101.033 100.883 100.633 3.625 100.873 100.773 100.623 100.373 4.000 100.366 100.266 100.116 99.866 4.000 100.559 100.459 100.309 100.059 3.500 100.398 100.298 100.148 99.898 3.990 100.246 100.146 99.996 99.746 3.990 100.469 100.369 100.219 99.969 3.490 100.278 100.178 100.028 99.778 3.875 99.898 99.798 99.648 99.398 3.875 100.154 100.054 99.904 99.654 3.375 99.913 99.813 99.663 99.413 3.750 99.279 99.179 99.029 98.779 3.750 99.543 99.443 99.293 99.043 3.250 99.529 99.429 99.279 99.029 3.625 98.590 98.490 98.340 98.090 3.625 98.904 98.804 98.654 98.404 3.125 99.221 99.121 98.971 98.721 3.500 97.833 97.733 97.583 97.333 3.500 98.309 98.209 98.059 97.809 3.000 98.695 98.595 98.445 98.195 Freddie Mac Fixed Rates (LP) 10yr price same as 15 - Freddie Mac 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 4.875 103.831 103.731 103.581 103.331 4.875 103.816 103.716 103.566 103.316 4.375 103.172 103.072 102.922 102.672 4.750 103.482 103.382 103.232 102.982 4.750 103.472 103.372 103.222 102.972 4.250 102.802 102.702 102.552 102.302 4.625 103.182 103.082 102.932 102.682 4.625 103.172 103.072 102.922 102.672 4.125 102.488 102.388 102.238 101.988 4.500 102.845 102.745 102.595 102.345 4.500 102.864 102.764 102.614 102.364 4.000 102.197 102.097 101.947 101.697 4.490 102.710 102.610 102.460 102.210 4.490 102.744 102.644 102.494 102.244 3.990 102.077 101.977 101.827 101.577 4.375 102.554 102.454 102.304 102.054 4.375 102.567 102.467 102.317 102.067 3.875 101.866 101.766 101.616 101.366 4.250 101.765 101.665 101.515 101.265 4.250 101.896 101.796 101.646 101.396 3.750 101.275 101.175 101.025 100.775 4.125 101.006 100.906 100.756 100.506 4.125 101.133 101.033 100.883 100.633 3.625 100.873 100.773 100.623 100.373 4.000 100.366 100.266 100.116 99.866 4.000 100.559 100.459 100.309 100.059 3.500 100.398 100.298 100.148 99.898 3.990 100.246 100.146 99.996 99.746 3.990 100.469 100.369 100.219 99.969 3.490 100.278 100.178 100.028 99.778 3.875 99.898 99.798 99.648 99.398 3.875 100.154 100.054 99.904 99.654 3.375 99.913 99.813 99.663 99.413 3.750 99.279 99.179 99.029 98.779 3.750 99.543 99.443 99.293 99.043 3.250 99.529 99.429 99.279 99.029 3.625 98.590 98.490 98.340 98.090 3.625 98.904 98.804 98.654 98.404 3.125 99.221 99.121 98.971 98.721 3.500 97.833 97.733 97.583 97.333 3.500 98.309 98.209 98.059 97.809 3.000 98.695 98.595 98.445 98.195 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 4.125 101.275 4.375 101.800 4.625 101.850 Margin -1.450 4.000 101.125 4.250 101.575 4.500 101.825 2.25 Loan Amount $75,000 to $99,999-1.200 3.875 100.900 4.125 101.375 4.375 101.800 Non-Convertible Loan Amount $100,000 to $124,999-0.700 3.750 100.700 4.000 101.100 4.250 101.550 Loan Amount $125,000 to $149,999-0.550 3.625 100.425 3.875 100.750 4.125 101.300 Loan Amount $150,000 to $174,999-0.450 3.500 100.150 3.750 100.375 4.000 101.000 Loan Amount $175,000 to $199,999-0.400 3.375 99.850 3.625 99.975 3.875 100.700 Loan Amount $200,000 to $224,999-0.250 3.250 99.525 3.500 99.575 3.750 100.200 Loan Amount $225,000 to $249,999-0.200 3.125 99.175 3.375 99.175 3.625 99.675 Loan Amount $250,000 to $274,999-0.200 3.000 98.675 3.250 98.825 3.500 99.100 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 - 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, 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: 4/19/2019 Government Effective 15 DAY EXPIRATION DATE 05/04/19 30 DAY EXPIRATION DATE 05/19/19 15 day Locks For Approved Loans Only. 45 DAY EXPIRATION DATE 06/03/19 60 DAY EXPIRATION DATE 06/18/19 FHA/VA 30 Yr, 25 Yr, 20 Yr 15 Days 30 Days 45 Days 60 Days 4.625 104.375 104.275 104.125 103.825 4.500 104.000 103.900 103.750 103.450 4.375 103.397 103.297 103.147 102.847 4.250 103.093 102.993 102.843 102.543 4.125 102.783 102.683 102.533 102.233 4.000 102.506 102.406 102.256 101.956 3.875 102.056 101.956 101.806 101.506 3.750 101.586 101.486 101.336 101.036 FHA/VA 5/1 ARM - Caps 1/5 - Margin 2.00 3.625 101.106 101.006 100.856 100.556 15 Days 30 Days 45 Days 60 Days 3.500 100.583 100.483 100.333 100.033 4.250 97.831 97.731 97.581 97.281 3.375 100.091 99.991 99.841 99.541 4.125 97.461 97.361 97.211 96.911 4.000 97.081 96.981 96.831 96.531 FHA/VA 15 Yr 3.875 96.672 96.572 96.422 96.122 15 Days 30 Days 45 Days 60 Days 3.750 96.290 96.190 96.040 95.740 4.125 102.120 102.020 101.870 101.570 3.625 95.900 95.800 95.650 95.350 4.000 101.754 101.654 101.504 101.204 3.500 95.501 95.401 95.251 94.951 3.875 101.378 101.278 101.128 100.828 3.750 100.990 100.890 100.740 100.440 INDEX : 1 YR Treas : 2.430 3.625 100.631 100.531 100.381 100.081 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 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 4.750 103.270 103.170 103.020 102.720 AR, AZ, GA, IN, MN, NC, NM, OK, PA, RI, VT, WI 0.100 4.625 103.175 103.075 102.925 102.625 CO, DE, MA, MD, MT, ND, VA & WY. -0.150 4.500 102.900 102.800 102.650 102.350 CA, ID, MI, NJ, NV, OR, UT, WA. -0.250 4.375 102.697 102.597 102.447 102.147 4.250 102.393 102.293 102.143 101.843 4.125 102.133 102.033 101.883 101.583 Loan Amount Price Adjustment 4.000 101.906 101.806 101.656 101.356 $55,001 to $95,000-0.500 3.875 101.456 101.356 101.206 100.906 $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: 4/19/2019 Jumbo Option I Effective EXPIRATION DATES : LIBOR 12 MONTH 2.746 30 DAY 05/19/19 60 DAY 06/18/19 5/1 Jumbo ARM 2/2/5 Caps 15 Yr Jumbo Rate 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day 4.000 101.365 100.965 100.615 4.375 102.348 102.298 101.898 101.548 3.875 101.181 100.781 100.431 4.250 102.265 102.215 101.815 101.465 3.750 100.978 100.578 100.228 4.125 102.207 102.157 101.757 101.407 3.625 100.791 100.391 100.041 4.000 101.867 101.817 101.417 101.067 3.500 100.557 100.157 99.807 3.875 101.379 101.329 100.929 100.579 3.375 100.317 99.917 99.567 3.750 100.789 100.739 100.339 99.989 3.250 100.011 99.611 99.261 3.625 100.274 100.224 99.824 99.474 7/1 Jumbo ARM 5/2/5 Caps Rate 30 Day 45 Day 60 Day 4.125 101.618 101.218 100.868 4.000 101.501 101.101 100.751 3.875 101.336 100.936 100.586 Jumbo One Close CP Program 3.750 101.082 100.682 100.332 Modification to 7/1 Jumbo LIBOR ARM 5/2/5 2.75 Margin 3.625 100.831 100.431 100.081 Rate 30 Day 45 Day 60Day 3.500 100.580 100.180 99.830 3.375 100.165 99.765 99.415 4.375 101.618 101.218 100.868 4.250 101.501 101.101 100.751 10/1 Jumbo ARM 5/2/5 Caps 4.125 101.336 100.936 100.586 Rate 30 Day 45 Day 60 Day 4.000 101.082 100.682 100.332 3.875 100.831 100.431 100.081 4.375 102.072 101.672 101.322 3.750 100.580 100.180 99.830 4.250 102.072 101.672 101.322 3.625 100.165 99.765 99.415 4.125 102.026 101.626 101.276 4.000 101.494 101.094 100.744 Escrow Waiver -0.250 3.875 100.918 100.518 100.168 LTV > 70% -0.375 3.750 100.543 100.143 99.793 Second Home -0.500 3.625 100.101 99.701 99.351 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: 4/19/2019 Jumbo Option II Effective EXPIRATION DATES : LIBOR 12 MONTH 2.746 30 DAY 05/19/19 60 DAY 06/18/19 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 4.500 101.580 101.430 101.280 5.125 102.372 102.222 102.072 4.375 101.332 101.182 101.032 5.000 102.135 101.985 101.835 4.250 101.090 100.940 100.790 4.875 101.845 101.695 101.545 4.125 100.889 100.739 100.589 4.750 101.612 101.462 101.312 4.000 100.588 100.438 100.288 4.625 101.328 101.178 101.028 3.875 100.268 100.118 99.968 4.500 101.124 100.974 100.824 3.750 99.932 99.782 99.632 4.375 100.600 100.450 100.300 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 4.500 101.538 101.388 101.238 4.500 101.360 101.210 101.060 4.375 101.324 101.174 101.024 4.375 101.256 101.106 100.956 4.250 101.054 100.904 100.754 4.250 100.933 100.783 100.633 4.125 100.760 100.610 100.460 4.125 100.592 100.442 100.292 4.000 100.475 100.325 100.175 4.000 100.335 100.185 100.035 3.875 100.086 99.936 99.786 3.875 100.132 99.982 99.832 3.750 99.684 99.534 99.384 3.750 99.686 99.536 99.386 10/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 4.625 101.728 101.578 101.428 4.500 101.550 101.400 101.250 4.375 101.329 101.179 101.029 4.250 101.049 100.899 100.749 4.125 100.706 100.556 100.406 4.000 100.331 100.181 100.031 3.875 100.018 99.868 99.718 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: 4/19/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/19/19 60 DAY 06/18/19 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 4.875 101.956 101.856 101.706 4.875 102.491 102.391 102.241 4.375 100.957 100.857 100.707 4.750 101.447 101.347 101.197 4.750 102.022 101.922 101.772 4.250 100.487 100.387 100.237 4.625 100.957 100.857 100.707 4.625 101.537 101.437 101.287 4.125 99.953 99.853 99.703 4.500 100.645 100.545 100.395 4.500 100.989 100.889 100.739 4.000 99.512 99.412 99.262 4.490 100.525 100.425 100.275 4.490 100.869 100.769 100.619 3.990 99.392 99.292 99.142 4.375 100.154 100.054 99.904 4.375 100.617 100.517 100.367 3.875 99.116 99.016 98.866 4.250 99.880 99.780 99.630 4.250 100.161 100.061 99.911 3.750 98.575 98.475 98.325 4.125 99.256 99.156 99.006 4.125 99.698 99.598 99.448 3.625 98.173 98.073 97.923 4.000 98.616 98.516 98.366 4.000 99.174 99.074 98.924 3.500 97.698 97.598 97.448 3.990 98.496 98.396 98.246 3.990 99.054 98.954 98.804 3.490 97.578 97.478 97.328 3.875 98.173 98.073 97.923 3.875 98.554 98.454 98.304 3.375 97.238 97.138 96.988 3.750 97.554 97.454 97.304 3.750 97.943 97.843 97.693 3.250 96.879 96.779 96.629 3.625 96.865 96.765 96.615 3.625 97.354 97.254 97.104 3.125 96.621 96.521 96.371 3.500 96.108 96.008 95.858 3.500 97.234 97.134 96.984 3.000 96.095 95.995 95.845 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, IA, MI, MT, NV, WV -0.200-0.150 CA -0.300-0.200

Freddie Mac Open Access Date: 4/19/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/19/19 60 DAY 06/18/19 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 4.875 102.206 102.106 101.956 4.875 102.491 102.391 102.241 4.375 101.957 101.857 101.707 4.750 101.697 101.597 101.447 4.750 102.022 101.922 101.772 4.250 101.487 101.387 101.237 4.625 101.207 101.107 100.957 4.625 101.537 101.437 101.287 4.125 100.953 100.853 100.703 4.500 100.895 100.795 100.645 4.500 100.989 100.889 100.739 4.000 100.512 100.412 100.262 4.490 100.775 100.675 100.525 4.490 100.869 100.769 100.619 3.990 100.392 100.292 100.142 4.375 100.404 100.304 100.154 4.375 100.617 100.517 100.367 3.875 100.116 100.016 99.866 4.250 99.880 99.780 99.630 4.250 100.161 100.061 99.911 3.750 99.575 99.475 99.325 4.125 99.256 99.156 99.006 4.125 99.698 99.598 99.448 3.625 99.173 99.073 98.923 4.000 98.616 98.516 98.366 4.000 99.174 99.074 98.924 3.500 98.698 98.598 98.448 3.990 98.496 98.396 98.246 3.990 99.054 98.954 98.804 3.490 98.578 98.478 98.328 3.875 98.173 98.073 97.923 3.875 98.554 98.454 98.304 3.375 98.238 98.138 97.988 3.750 97.554 97.454 97.304 3.750 97.943 97.843 97.693 3.250 97.879 97.779 97.629 3.625 96.865 96.765 96.615 3.625 97.354 97.254 97.104 3.125 97.621 97.521 97.371 3.500 96.108 96.008 95.858 3.500 97.234 97.134 96.984 3.000 97.095 96.995 96.845 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, IA, MI, MT, NV, WV -0.200-0.150 CA -0.300-0.200

FNMA High Balance / FHLMC Super Conforming Date: 4/19/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/19/19 60 DAY 06/18/19 Fannie Mae High Balance 30 yr FNMA High Balance 15 yr FNMA High Balance 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 5.500 103.763 103.663 103.513 103.263 4.500 102.184 102.084 101.934 101.684 5.375 103.428 103.328 103.178 102.928 4.375 102.184 102.084 101.934 101.684 5.250 103.057 102.957 102.807 102.557 4.250 101.855 101.755 101.605 101.355 5.125 102.729 102.629 102.479 102.229 4.125 101.481 101.381 101.231 100.981 5.000 102.905 102.805 102.655 102.405 4.000 101.155 101.055 100.905 100.655 4.875 102.526 102.426 102.276 102.026 3.875 100.820 100.720 100.570 100.320 4.750 102.005 101.905 101.755 101.505 3.750 100.439 100.339 100.189 99.939 4.625 101.542 101.442 101.292 101.042 3.625 100.038 99.938 99.788 99.538 4.500 101.290 101.190 101.040 100.790 3.500 99.711 99.611 99.461 99.211 4.375 100.884 100.784 100.634 100.384 3.375 99.313 99.213 99.063 98.813 4.250 100.279 100.179 100.029 99.779 3.250 98.944 98.844 98.694 98.444 4.125 99.682 99.582 99.432 99.182 3.125 98.438 98.338 98.188 97.938 4.000 99.409 99.309 99.159 98.909 3.000 98.035 97.935 97.785 97.535 3.875 98.996 98.896 98.746 98.496 2.875 97.616 97.516 97.366 97.116 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 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 & 4.875 102.106 102.006 101.856 101.606 Credit Score <= 60 <= 70 <= 75 <= 80 <= 85 <= 90 4.750 101.647 101.547 101.397 101.147 >= 740 0.000-0.250-0.250-0.500-0.250-0.250 4.625 101.657 101.557 101.407 101.157 720 <= 739 0.000-0.250-0.500-0.750-0.500-0.500 4.500 101.345 101.245 101.095 100.845 700 <= 719 0.000-0.500-1.000-1.250-1.000-1.000 4.490 101.050 100.950 100.800 100.550 680 <= 699 0.000-0.500-1.250-1.750-1.500-1.250 4.375 100.729 100.629 100.479 100.229 660 <= 679 0.000-1.000-2.250 n/a n/a n/a 4.250 100.415 100.315 100.165 99.915 640 <= 659-0.500-1.250-2.750 n/a n/a n/a 4.125 99.841 99.741 99.591 99.341 4.000 99.201 99.101 98.951 98.701 3.990 99.161 99.061 98.911 98.661 Subordinate Financing 3.875 98.748 98.648 98.498 98.248 LTV CLTV < 720 => 720 3.750 98.154 98.054 97.904 97.654 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, IA, MT, NV, WV -0.200 CA -0.300