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

(800) 851-0263 www.crescentmortgage.com Tuesday, April 16, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 4/16/2019 Industrial Production MoM -0.1% On Flat Factory Output in Mar. Capacity Utilization At 78.8% vs 79.2% Expected. NAHB Housing Market Index At 63 in Apr. Wholesale Inventories Tomorrow. 30Yr. Bond Yield 2.986%, 10Yr. Bond Yield 2.581% as of 10:20 am ET Marketing Department Information Table Of Contents Email: Marketing@CrescentMortgage.net Page 2 Conventional Fixed and ARM Page 3 FHA / VA and USDA Page 4 & 5 Jumbo Fixed and ARM - Option I & II Rates are good through: 10:30AM the following business day Page 6 DU Refi Plus *** RATES SUBJECT TO CHANGE WITHOUT NOTICE. Page 7 LP Open Access Page 8 DU High Balance & LP Super Conforming Lock Periods Lock Periods: 15-60 days 15 Day - Approved Loans Only Refer to our Pricing and Lock Policy on Document Express for lock extension and re-lock fees Fees: Conventional Conforming FHA VA Purchase Loans $250 VA Refinance Loans No Separate Admin Fee on VA Refinance Loans (See Rate Sheet for price adjustment) Rural Housing Jumbo Option I & II Flood Cert Wholesale Correspondent 1x CP Modification $11 $11 $350 CRESCENT ACCOUNT EXECUTIVES Bob Shellenberger, SVP Sales Mgr 727-638-1583 Amanda Scott AL, MS 251-377-2007 Annessa Frederick FL 239-222-4669 Greg Palas IA, IL, KS, MO, NE 515-360-3722 Ashli Matson GA, SC 770-714-5417 Bob Shellenberger AZ, NM, CA, PA, NJ, TX 727-638-1583 Diane Carlson CT, MA, ME, NH, VT, RI, NJ 781-608-8489 Casey Filburn OR, WA 360-609-8335 Dannie Hinton IN, KY, OH 812-697-4915 Dawn Cooley CO, ID, NV, UT, WY, MT 970-278-9328 Drais Von Hagen NC, TN, WV 865-607-5626 Ian Wright TX, OK 972-880-6018 Dan Talley VA, DE, MD, PA 703-424-1095 Rick McKinley IA, KS, MI, MN, ND, SD, WI 763-458-4051 Jeanne Olson IA, KS, MI, MN, ND, SD, WI 218-208-8259 Shy Tittlebaum LA, MS, AR, AL, OK, TX 225-810-6085 THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION. CMC Rates are price indications only and are subject to change without notice

DATE: 04/16/19 Conventional Conforming Fixed / ARM Effective ET EXPIRATION DATES (Must close by expiration date) 30 DAY 05/16/19 60 DAY 06/15/19 LIBOR 12 MONTH 2.755 15 Day Lock for Approved Loans only. FNMA 30 Day Yield 3.824 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 4.875 103.868 103.768 103.618 103.368 4.875 103.919 103.819 103.669 103.419 4.375 103.235 103.135 102.985 102.735 4.750 103.524 103.424 103.274 103.024 4.750 103.588 103.488 103.338 103.088 4.250 102.870 102.770 102.620 102.370 4.625 103.132 103.032 102.882 102.632 4.625 103.193 103.093 102.943 102.693 4.125 102.556 102.456 102.306 102.056 4.500 102.896 102.796 102.646 102.396 4.500 102.992 102.892 102.742 102.492 4.000 102.270 102.170 102.020 101.770 4.490 102.761 102.661 102.511 102.261 4.490 102.872 102.772 102.622 102.372 3.990 102.150 102.050 101.900 101.650 4.375 102.510 102.410 102.260 102.010 4.375 102.624 102.524 102.374 102.124 3.875 101.949 101.849 101.699 101.449 4.250 101.843 101.743 101.593 101.343 4.250 101.998 101.898 101.748 101.498 3.750 101.393 101.293 101.143 100.893 4.125 101.074 100.974 100.824 100.574 4.125 101.240 101.140 100.990 100.740 3.625 100.895 100.795 100.645 100.395 4.000 100.402 100.302 100.152 99.902 4.000 100.685 100.585 100.435 100.185 3.500 100.450 100.350 100.200 99.950 3.990 100.282 100.182 100.032 99.782 3.990 100.600 100.500 100.350 100.100 3.490 100.330 100.230 100.080 99.830 3.875 99.938 99.838 99.688 99.438 3.875 100.288 100.188 100.038 99.788 3.375 99.938 99.838 99.688 99.438 3.750 99.325 99.225 99.075 98.825 3.750 99.676 99.576 99.426 99.176 3.250 99.500 99.400 99.250 99.000 3.625 98.640 98.540 98.390 98.140 3.625 99.002 98.902 98.752 98.502 3.125 99.186 99.086 98.936 98.686 3.500 97.884 97.784 97.634 97.384 3.500 98.407 98.307 98.157 97.907 3.000 98.662 98.562 98.412 98.162 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 4.875 103.868 103.768 103.618 103.368 4.875 103.919 103.819 103.669 103.419 4.375 103.235 103.135 102.985 102.735 4.750 103.524 103.424 103.274 103.024 4.750 103.588 103.488 103.338 103.088 4.250 102.870 102.770 102.620 102.370 4.625 103.132 103.032 102.882 102.632 4.625 103.193 103.093 102.943 102.693 4.125 102.556 102.456 102.306 102.056 4.500 102.896 102.796 102.646 102.396 4.500 102.992 102.892 102.742 102.492 4.000 102.270 102.170 102.020 101.770 4.490 102.761 102.661 102.511 102.261 4.490 102.872 102.772 102.622 102.372 3.990 102.150 102.050 101.900 101.650 4.375 102.510 102.410 102.260 102.010 4.375 102.624 102.524 102.374 102.124 3.875 101.949 101.849 101.699 101.449 4.250 101.843 101.743 101.593 101.343 4.250 101.998 101.898 101.748 101.498 3.750 101.393 101.293 101.143 100.893 4.125 101.074 100.974 100.824 100.574 4.125 101.240 101.140 100.990 100.740 3.625 100.895 100.795 100.645 100.395 4.000 100.402 100.302 100.152 99.902 4.000 100.685 100.585 100.435 100.185 3.500 100.450 100.350 100.200 99.950 3.990 100.282 100.182 100.032 99.782 3.990 100.600 100.500 100.350 100.100 3.490 100.330 100.230 100.080 99.830 3.875 99.938 99.838 99.688 99.438 3.875 100.288 100.188 100.038 99.788 3.375 99.938 99.838 99.688 99.438 3.750 99.325 99.225 99.075 98.825 3.750 99.676 99.576 99.426 99.176 3.250 99.500 99.400 99.250 99.000 3.625 98.640 98.540 98.390 98.140 3.625 99.002 98.902 98.752 98.502 3.125 99.186 99.086 98.936 98.686 3.500 97.884 97.784 97.634 97.384 3.500 98.407 98.307 98.157 97.907 3.000 98.662 98.562 98.412 98.162 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 2.755 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: 4/16/2019 Government Effective 15 DAY EXPIRATION DATE 05/01/19 30 DAY EXPIRATION DATE 05/16/19 15 day Locks For Approved Loans Only. 45 DAY EXPIRATION DATE 05/31/19 60 DAY EXPIRATION DATE 06/15/19 FHA/VA 30 Yr, 25 Yr, 20 Yr 15 Days 30 Days 45 Days 60 Days 4.625 104.325 104.225 104.075 103.775 4.500 103.950 103.850 103.700 103.400 4.375 103.397 103.297 103.147 102.847 4.250 103.093 102.993 102.843 102.543 4.125 102.688 102.588 102.438 102.138 4.000 102.411 102.311 102.161 101.861 3.875 101.961 101.861 101.711 101.411 3.750 101.491 101.391 101.241 100.941 FHA/VA 5/1 ARM - Caps 1/5 - Margin 2.00 3.625 101.011 100.911 100.761 100.461 15 Days 30 Days 45 Days 60 Days 3.500 100.488 100.388 100.238 99.938 4.250 97.831 97.731 97.581 97.281 3.375 99.996 99.896 99.746 99.446 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 4.125 102.100 102.000 101.850 101.550 3.625 95.900 95.800 95.650 95.350 4.000 101.734 101.634 101.484 101.184 3.500 95.501 95.401 95.251 94.951 3.875 101.358 101.258 101.108 100.808 3.750 100.970 100.870 100.720 100.420 INDEX : 1 YR Treas : 2.430 3.625 100.611 100.511 100.361 100.061 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 4.125 102.038 101.938 101.788 101.488 Loan Amount Price Adjustment 4.000 101.811 101.711 101.561 101.261 $55,001 to $95,000-0.500 3.875 101.361 101.261 101.111 100.811 $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: 4/16/2019 Jumbo Option I Effective EXPIRATION DATES : LIBOR 12 MONTH 2.755 30 DAY 05/16/19 60 DAY 06/15/19 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 4.000 101.653 101.253 100.903 4.375 102.332 102.282 101.882 101.532 3.875 101.465 101.065 100.715 4.250 102.194 102.144 101.744 101.394 3.750 101.259 100.859 100.509 4.125 102.135 102.085 101.685 101.335 3.625 101.034 100.634 100.284 4.000 101.890 101.840 101.440 101.090 3.500 100.792 100.392 100.042 3.875 101.288 101.238 100.838 100.488 3.375 100.546 100.146 99.796 3.750 100.847 100.797 100.397 100.047 3.250 100.235 99.835 99.485 3.625 100.345 100.295 99.895 99.545 7/1 Jumbo ARM 5/2/5 Caps Rate 30 Day 45 Day 60 Day 4.125 101.935 101.535 101.185 4.000 101.815 101.415 101.065 3.875 101.649 101.249 100.899 Jumbo One Close CP Program 3.750 101.352 100.952 100.602 Modification to 7/1 Jumbo LIBOR ARM 5/2/5 2.75 Margin 3.625 101.096 100.696 100.346 Rate 30 Day 45 Day 60Day 3.500 100.882 100.482 100.132 3.375 100.467 100.067 99.717 4.375 101.935 101.535 101.185 4.250 101.815 101.415 101.065 10/1 Jumbo ARM 5/2/5 Caps 4.125 101.649 101.249 100.899 Rate 30 Day 45 Day 60 Day 4.000 101.352 100.952 100.602 3.875 101.096 100.696 100.346 4.375 102.347 101.947 101.597 3.750 100.882 100.482 100.132 4.250 102.340 101.940 101.590 3.625 100.467 100.067 99.717 4.125 102.196 101.796 101.446 4.000 101.672 101.272 100.922 Escrow Waiver -0.250 3.875 101.167 100.767 100.417 LTV > 70% -0.375 3.750 100.810 100.410 100.060 Second Home -0.500 3.625 100.358 99.958 99.608 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: 4/16/2019 Jumbo Option II Effective EXPIRATION DATES : LIBOR 12 MONTH 2.755 30 DAY 05/16/19 60 DAY 06/15/19 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 4.500 101.533 101.383 101.233 5.125 102.048 101.898 101.748 4.375 101.284 101.134 100.984 5.000 101.865 101.715 101.565 4.250 101.041 100.891 100.741 4.875 101.585 101.435 101.285 4.125 100.840 100.690 100.540 4.750 101.345 101.195 101.045 4.000 100.537 100.387 100.237 4.625 101.035 100.885 100.735 3.875 100.218 100.068 99.918 4.500 100.797 100.647 100.497 3.750 99.880 99.730 99.580 4.375 100.258 100.108 99.958 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 4.500 101.517 101.367 101.217 4.500 101.217 101.067 100.917 4.375 101.303 101.153 101.003 4.375 101.110 100.960 100.810 4.250 101.034 100.884 100.734 4.250 100.785 100.635 100.485 4.125 100.741 100.591 100.441 4.125 100.441 100.291 100.141 4.000 100.456 100.306 100.156 4.000 100.182 100.032 99.882 3.875 100.068 99.918 99.768 3.875 99.806 99.656 99.506 3.750 99.666 99.516 99.366 3.750 99.351 99.201 99.051 10/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 4.625 101.595 101.445 101.295 4.500 101.414 101.264 101.114 4.375 101.189 101.039 100.889 4.250 100.905 100.755 100.605 4.125 100.558 100.408 100.258 4.000 100.179 100.029 99.879 3.875 99.791 99.641 99.491 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: 4/16/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/16/19 60 DAY 06/15/19 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 4.875 101.993 101.893 101.743 4.875 102.554 102.454 102.304 4.375 101.035 100.935 100.785 4.750 101.489 101.389 101.239 4.750 102.088 101.988 101.838 4.250 100.570 100.470 100.320 4.625 101.007 100.907 100.757 4.625 101.608 101.508 101.358 4.125 100.041 99.941 99.791 4.500 100.696 100.596 100.446 4.500 101.067 100.967 100.817 4.000 99.605 99.505 99.355 4.490 100.576 100.476 100.326 4.490 100.947 100.847 100.697 3.990 99.485 99.385 99.235 4.375 100.210 100.110 99.960 4.375 100.699 100.599 100.449 3.875 99.214 99.114 98.964 4.250 99.943 99.843 99.693 4.250 100.248 100.148 99.998 3.750 98.678 98.578 98.428 4.125 99.324 99.224 99.074 4.125 99.790 99.690 99.540 3.625 98.220 98.120 97.970 4.000 98.652 98.552 98.402 4.000 99.270 99.170 99.020 3.500 97.750 97.650 97.500 3.990 98.532 98.432 98.282 3.990 99.150 99.050 98.900 3.490 97.630 97.530 97.380 3.875 98.213 98.113 97.963 3.875 98.653 98.553 98.403 3.375 97.288 97.188 97.038 3.750 97.600 97.500 97.350 3.750 98.041 97.941 97.791 3.250 96.850 96.750 96.600 3.625 96.915 96.815 96.665 3.625 97.427 97.327 97.177 3.125 96.586 96.486 96.336 3.500 96.159 96.059 95.909 3.500 97.307 97.207 97.057 3.000 96.062 95.962 95.812 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: 4/16/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/16/19 60 DAY 06/15/19 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 4.875 102.243 102.143 101.993 4.875 102.554 102.454 102.304 4.375 102.035 101.935 101.785 4.750 101.739 101.639 101.489 4.750 102.088 101.988 101.838 4.250 101.570 101.470 101.320 4.625 101.257 101.157 101.007 4.625 101.608 101.508 101.358 4.125 101.041 100.941 100.791 4.500 100.946 100.846 100.696 4.500 101.067 100.967 100.817 4.000 100.605 100.505 100.355 4.490 100.826 100.726 100.576 4.490 100.947 100.847 100.697 3.990 100.485 100.385 100.235 4.375 100.460 100.360 100.210 4.375 100.699 100.599 100.449 3.875 100.214 100.114 99.964 4.250 99.943 99.843 99.693 4.250 100.248 100.148 99.998 3.750 99.678 99.578 99.428 4.125 99.324 99.224 99.074 4.125 99.790 99.690 99.540 3.625 99.220 99.120 98.970 4.000 98.652 98.552 98.402 4.000 99.270 99.170 99.020 3.500 98.750 98.650 98.500 3.990 98.532 98.432 98.282 3.990 99.150 99.050 98.900 3.490 98.630 98.530 98.380 3.875 98.213 98.113 97.963 3.875 98.653 98.553 98.403 3.375 98.288 98.188 98.038 3.750 97.600 97.500 97.350 3.750 98.041 97.941 97.791 3.250 97.850 97.750 97.600 3.625 96.915 96.815 96.665 3.625 97.427 97.327 97.177 3.125 97.586 97.486 97.336 3.500 96.159 96.059 95.909 3.500 97.307 97.207 97.057 3.000 97.062 96.962 96.812 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: 4/16/2019 Effective: EXPIRATION DATES (Must close by expiration date) 30 DAY 05/16/19 60 DAY 06/15/19 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 5.500 103.892 103.792 103.642 103.392 4.500 102.267 102.167 102.017 101.767 5.375 103.560 103.460 103.310 103.060 4.375 102.266 102.166 102.016 101.766 5.250 103.193 103.093 102.943 102.693 4.250 101.942 101.842 101.692 101.442 5.125 102.763 102.663 102.513 102.263 4.125 101.571 101.471 101.321 101.071 5.000 102.944 102.844 102.694 102.444 4.000 101.248 101.148 100.998 100.748 4.875 102.564 102.464 102.314 102.064 3.875 100.916 100.816 100.666 100.416 4.750 102.047 101.947 101.797 101.547 3.750 100.536 100.436 100.286 100.036 4.625 101.590 101.490 101.340 101.090 3.625 100.086 99.986 99.836 99.586 4.500 101.342 101.242 101.092 100.842 3.500 99.762 99.662 99.512 99.262 4.375 100.941 100.841 100.691 100.441 3.375 99.368 99.268 99.118 98.868 4.250 100.342 100.242 100.092 99.842 3.250 99.000 98.900 98.750 98.500 4.125 99.723 99.623 99.473 99.223 3.125 98.403 98.303 98.153 97.903 4.000 99.445 99.345 99.195 98.945 3.000 98.002 97.902 97.752 97.502 3.875 99.036 98.936 98.786 98.536 2.875 97.585 97.485 97.335 97.085 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 & 4.875 102.143 102.043 101.893 101.643 Credit Score <= 60 <= 70 <= 75 <= 80 <= 85 <= 90 4.750 101.689 101.589 101.439 101.189 >= 740 0.000-0.250-0.250-0.500-0.250-0.250 4.625 101.707 101.607 101.457 101.207 720 <= 739 0.000-0.250-0.500-0.750-0.500-0.500 4.500 101.396 101.296 101.146 100.896 700 <= 719 0.000-0.500-1.000-1.250-1.000-1.000 4.490 101.101 101.001 100.851 100.601 680 <= 699 0.000-0.500-1.250-1.750-1.500-1.250 4.375 100.785 100.685 100.535 100.285 660 <= 679 0.000-1.000-2.250 n/a n/a n/a 4.250 100.478 100.378 100.228 99.978 640 <= 659-0.500-1.250-2.750 n/a n/a n/a 4.125 99.909 99.809 99.659 99.409 4.000 99.237 99.137 98.987 98.737 3.990 99.197 99.097 98.947 98.697 Subordinate Financing 3.875 98.788 98.688 98.538 98.288 LTV CLTV < 720 => 720 3.750 98.200 98.100 97.950 97.700 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