PORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below

PORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below 5/1 LIBOR (Portfolio 6/2/6) ARM (JP51, JP51IO) 7/1 LIBOR (Portfolio 6/2/6) ARM (JP71) 10/1 LIBOR (Portfolio 6/2/6) ARM (JP101) Max Price *102.00 (capped at 3rd party closing costs) Max Price *102.00 (capped at 3rd party closing costs) Max Price *102.00 (capped at 3rd party closing costs) Base 21 Day 30 Day 45 Day 60 Day Base 21 Day 30 Day 45 Day 60 Day Base 21 Day 30 Day 45 Day 60 Day 6.750 102.500 102.312 102.125 101.937 7.000 102.578 102.390 102.203 102.015 7.750 102.328 102.140 101.953 101.765 6.625 102.375 102.187 102.000 101.812 6.875 102.453 102.265 102.078 101.890 7.625 102.203 102.015 101.828 101.640 6.500 102.250 102.062 101.875 101.687 6.750 102.328 102.140 101.953 101.765 7.500 102.078 101.890 101.703 101.515 6.375 102.125 101.937 101.750 101.562 6.625 102.203 102.015 101.828 101.640 7.375 101.953 101.765 101.578 101.390 6.250 102.000 101.812 101.625 101.437 6.500 102.078 101.890 101.703 101.515 7.250 101.828 101.640 101.453 101.265 6.125 101.875 101.687 101.500 101.312 6.375 101.953 101.765 101.578 101.390 7.125 101.703 101.515 101.328 101.140 6.000 101.750 101.562 101.375 101.187 6.250 101.828 101.640 101.453 101.265 7.000 101.578 101.390 101.203 101.015 5.875 101.625 101.437 101.250 101.062 6.125 101.671 101.483 101.296 101.108 6.875 101.453 101.265 101.078 100.890 5.750 101.469 101.281 101.094 100.906 6.000 101.515 101.327 101.140 100.952 6.750 101.328 101.140 100.953 100.765 5.625 101.313 101.125 100.938 10 5.875 101.359 101.171 100.984 100.796 6.625 101.172 100.984 100.797 100.609 5.500 101.157 100.969 100.782 100.594 5.750 101.203 101.015 100.828 100.640 6.500 101.016 100.828 100.641 100.453 5.375 10 100.812 100.625 100.437 5.625 101.046 100.858 100.671 100.483 6.375 100.860 100.672 100.485 100.297 100.844 100.656 100.469 100.281 5.500 100.890 100.702 100.515 100.327 6.250 100.704 100.516 100.329 100.141 100.688 10 100.313 100.125 5.375 100.656 100.468 100.281 100.093 6.125 100.547 100.359 100.172 99.984 100.469 100.281 100.094 99.906 100.421 100.233 100.046 99.858 6.000 100.391 100.203 100.016 99.828 10 100.062 99.875 99.687 100.156 99.968 99.781 99.593 5.875 100.235 100.047 99.860 99.672 10 99.812 99.625 99.437 99.875 99.687 99.500 99.312 5.750 10 99.812 99.625 99.437 99.735 99.547 99.360 99.172 99.610 99.422 99.235 99.047 5.625 99.844 99.656 99.469 99.281 99.375 99.187 99.000 98.812 99.329 99.141 98.954 98.766 5.500 99.609 99.421 99.234 99.046 98.985 98.797 98.610 98.422 98.938 98.750 98.563 98.375 5.375 99.375 99.187 99.000 98.812 98.578 98.390 98.203 98.015 98.500 98.312 98.125 97.937 99.078 98.890 98.703 98.515 Portfolio ARM & Price Adjustments Applicable for ALL Portfolio ARM (Jumbo) Mortgages Adjustments to Adjustments to Price 2nd Home Interest Only (Max 60% LTV/CLTV) 2-4 Unit Property Cash Out - Investment (Includes 18 month hard pre-payment penalty) (tel MAX 60% LTV) FICO <700 (Including no FICO) (New York Only) - Non-Resident Alien No Escrows Loan Amount $300K - < $424.1K 0.625 Asset Depletion Loan Amount $424.1K - $1.0MM Cross-Collateralization Max Price 99.00 Loan Amount > $1.0MM - $2.0MM Loan Amount > $2.0MM - $3.5MM 0.125 Loan Amount > $3.5MM 0.375 Lock Extensions ARM Features Loan Amount > $5.0MM Purchase Money Loan To Value (LTV) 50% 7 Days 15 Days 30 Days 0.125 Interest Floor = Note "Start" Margin = 3.25% Index = 1 Year LIBOR Cross-Collateralization Portfolio Wholesale Fees Lender Paid Compensation Plan Lender Fee $1,695.00 Lender paid compensation is equal to a minimum of $4000 or 1% whichever is greater. Trust/Entity Review $300.00 For loan amounts less than $400,000 the comepnsation adjustment is calculated as follows: Pledged Asset $250.00 Divide 4000 by loan amount and then multiply that result by 100. TX Doc Review $150.00 Example: 4000/350000 = 0.01142 x 100 = 1.142 adjustment to borrower paid pricing Foreign National Review $250.00 Eligibility LTV Matrix Applicable for ALL Portfolio ARM (Jumbo) Mortgages - SEE BOFI SELLERS GUIDE FOR FULL REQUIREMENTS Property Type $1MM >$1MM - $2MM >$2MM - $3MM >$3MM - $5MM >$5MM Primary Residence - Purchase 1 Unit 70 / 75 70 / 75 65 / 70 60 / 65 2-4 Unit 70 / 75 70 / 75 65 / 70 60 / 60 60 / 60 60 / 60 Primary Residence - Refinance ( / Term) 1 Unit 70 / 75 65 / 70 60 / 65 60 / 65 2-4 Unit 70 / 75 65 / 70 60 / 65 60 / 60 60 / 60 60 / 60 Primary Residence - Refinance (Cash Out) 1 Unit 65 / 70 60 / 65 2-4 Unit 65 / 70 60 / 65 55 / 55 60 / 60 60 / 60 55 / 55 60 / 60 60 / 60 55 / 55 2nd Home - Purchase 1 Unit 65 / 70 60 / 65 2-4 Unit 65 / 70 60 / 65 65 / 70 60 / 65 65 / 70 60 / 65 2nd Home - Refinance ( / Term) 1 Unit 60 / 65 50 / 50 2-4 Unit 60 / 65 50 / 50 60 / 65 50 / 50 60 / 65 50 / 50 2nd Home - Refinance (Cash Out) 1 Unit 45 / 50 45 / 45 2-4 Unit 45 / 50 45 / 45 45 / 50 45 / 45 45 / 50 45 / 45 Investment - All Transaction Types 1 Unit 55 / 55 2-4 Unit 55 / 55 55 / 55 55 / 55

MERIDIAN PRIME JUMBO - BORROWER PAID 30 Year Fixed (PJFX30) 15 Year Fixed (PJFX15) Max Price 101.750 Max Price 101.750 102.021 101.844 101.667 101.255 101.701 101.544 101.388 100.999 101.896 101.719 101.542 101.130 101.576 101.419 101.263 100.874 101.771 101.594 101.417 101.005 101.451 101.294 101.138 100.749 101.646 101.469 101.292 100.880 101.326 101.169 101.013 100.624 101.521 101.344 101.167 100.755 101.201 101.044 100.888 100.499 101.396 101.219 101.042 100.630 100.826 100.669 100.513 100.124 100.896 100.719 100.542 100.130 3.625 100.326 100.169 100.013 99.624 100.271 100.094 99.917 99.505 99.638 99.482 99.326 98.936 99.583 99.406 99.229 98.818 3.375 98.888 98.732 98.576 98.186 98.833 98.656 98.479 98.068 3.250 98.138 97.982 97.826 97.436 5/1 LIBOR ARM 2/2/5 2.25 Margin (PJ51) 7/1 LIBOR ARM 5/2/5 2.25 Margin (PJ71) 10/1 LIBOR ARM 5/2/5 2.25 Margin (PJ101) 100.625 Max Price 100.625 Max Price 100.625 101.225 101.084 100.944 100.571 102.474 102.323 102.172 101.788 102.113 101.957 101.800 101.411 101.100 100.959 100.819 100.446 102.349 102.198 102.047 101.663 101.988 101.832 101.675 101.286 100.975 100.834 100.694 100.321 102.037 101.885 101.734 101.351 101.863 101.707 101.550 101.161 3.625 100.850 100.709 100.569 100.196 101.724 101.573 101.422 101.038 101.613 101.457 101.300 100.911 100.662 100.522 100.381 100.009 101.349 101.198 101.047 100.663 101.300 101.144 100.988 100.599 3.375 100.350 100.209 100.069 99.696 3.625 100.912 100.760 100.609 100.226 100.925 100.769 100.613 100.224 3.250 99.975 99.834 99.694 99.321 100.537 100.385 100.234 99.851 3.625 100.425 100.269 100.113 99.724 3.125 99.537 99.397 99.256 98.884 3.375 100.099 99.948 99.797 99.413 99.863 99.707 99.550 99.161 3.000 99.037 98.897 98.756 98.384 3.250 99.662 99.510 99.359 98.976 3.375 99.238 99.082 98.925 98.536 2.875 98.412 98.272 98.131 97.759 3.125 99.037 98.885 98.734 98.351 3.250 98.550 98.394 98.238 97.849 Loan sizes $1.0MM FICO / 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% 800+ 0.375 760-799 0.375-0.375 740-759 0.375-720-739 0.125 - -0.625 700-719 - -0.875-1.125 680-699 Loan sizes $1.0MM & $1.5MM FICO / 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% 800+ 0.125-0.375 760-799 - 740-759 0.375-720-739 0.125-0.625-0.875 700-719 680-699 Loan sizes $1.5MM & $2.0MM FICO / 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% 800+ 0.375-0.375-760-799 0.375-0.375-0.625 740-759 0.125 - -0.875 720-739 0.125 - -1.250 700-719 680-699 Loan sizes $2.0MM & $2.5MM FICO / 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% 800+ 0.125 760-799 0.125 740-759 720-739 700-719 680-699 State Adjustments - Applicable to Jumbo Prime loan programs STATE / LTV 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% FL NV AZ CA -0.375-0.375-0.375 - - TX Non-CA Other Adjustments - Applicable to ALL Jumbo Prime loan programs Other / LTV 60.00% 60.01 65.00% 65.01 70.00% 70.01 75.00% 75.01 80.00% 2 Units (O/O) - - - - -1.125-0.375 2nd Home (700+, 1 Unit) - - Purchase 0.375 0.375 0.375 0.375 0.375 Cashout -0.625-0.625-0.875 Escrow Waiver

AGENCY CONFORMING & HIGH BALANCE (Fannie Mae DU) BORROWER PAID 30 & 25 Year Fixed Agency DU (DU30, DU25) 20 Year Fixed Agency DU (DU20) 15 & 10 Year Fixed Agency DU (DU15, DU10) 5.375 107.564 107.476 107.406 107.327 107.403 107.315 107.244 107.166 105.772 105.680 105.607 105.519 107.134 107.045 106.975 106.897 107.055 106.967 106.897 106.818 105.511 105.419 105.346 105.258 106.643 106.554 106.484 106.406 106.567 106.478 106.408 106.330 105.264 105.171 105.098 105.011 106.060 105.972 105.901 105.823 106.330 106.227 106.146 106.060 104.969 104.876 104.804 104.716 105.797 105.694 105.623 105.552 105.940 105.837 105.756 105.670 104.904 104.827 104.776 104.717 105.313 105.210 105.138 105.068 105.526 105.423 105.342 105.256 104.781 104.705 104.653 104.594 104.792 104.689 104.618 104.547 105.046 104.942 104.861 104.776 104.479 104.402 104.350 104.292 104.217 104.114 104.043 103.972 104.464 104.360 104.280 104.194 104.095 104.018 103.967 103.908 103.821 103.711 103.627 103.541 104.017 103.914 103.833 103.747 103.752 103.670 103.615 103.556 103.287 103.177 103.093 103.007 103.457 103.347 103.254 103.152 103.584 103.491 103.428 103.362 102.719 102.608 102.524 102.439 102.957 102.846 102.753 102.651 103.223 103.130 103.066 103.000 102.110 101.999 101.915 101.830 102.425 102.315 102.221 102.120 3.625 102.826 102.733 102.669 102.603 101.411 101.301 101.217 101.131 101.860 101.750 101.656 101.555 102.425 102.332 102.268 102.202 100.755 100.652 100.576 100.498 3.625 101.378 101.275 101.189 101.095 3.375 102.021 101.929 101.865 101.799 3.625 100.139 100.036 99.960 99.882 100.816 100.713 100.627 100.534 3.250 101.599 101.506 101.442 101.376 99.445 99.342 99.266 99.188 3.375 100.042 99.939 99.854 99.760 3.125 100.953 100.860 100.793 100.720 3.250 99.250 99.147 99.061 98.968 3.000 100.494 100.401 100.335 100.261 3.125 98.120 98.017 97.932 97.838 2.875 99.960 99.868 99.801 99.728 5/1 LIBOR ARM (2/2/5) Agency DU (DU51) 7/1 LIBOR ARM (5/2/5) Agency DU (DU71) 10/1 LIBOR ARM (5/2/5) Agency DU (DU101) 100.817 100.720 100.650 100.592 100.667 100.553 100.466 100.394 100.874 100.760 100.673 100.601 100.539 100.441 100.372 100.314 100.351 100.237 100.150 100.078 100.473 100.359 100.273 100.200 100.290 100.192 100.123 100.065 100.044 99.930 99.843 99.771 100.076 99.962 99.875 99.803 100.001 99.904 99.835 99.777 99.740 99.626 99.539 99.467 99.655 99.541 99.454 99.382 99.674 99.577 99.508 99.450 99.452 99.338 99.251 99.179 99.163 99.049 98.962 98.890 99.355 99.257 99.188 99.130 99.127 99.013 98.926 98.854 98.717 98.603 98.516 98.444 99.038 98.941 98.871 98.813 98.809 98.695 98.609 98.536 98.279 98.165 98.078 98.006 3.625 98.682 98.585 98.515 98.457 98.471 98.357 98.270 98.198 98.309 98.212 98.142 98.084 3.625 98.083 97.969 97.882 97.810 3.375 97.938 97.841 97.772 97.714 97.678 97.564 97.477 97.405 3.250 97.573 97.475 97.406 97.348 3.125 97.145 97.047 96.978 96.920 30 Year Fixed High Balance Agency DU (DUHB30) 15 Year Fixed High Balance Agency DU (DUHB15) Minimum FICO 640 Minimum FICO 640 6.000 105.187 105.061 104.948 104.823 103.839 103.746 103.673 103.586 5.875 104.928 104.803 104.690 104.565 103.665 103.573 10 103.412 5.750 104.556 104.430 104.317 104.192 103.496 103.404 103.331 103.243 5.625 104.795 104.706 104.626 104.533 103.293 103.200 103.127 103.039 5.500 104.613 104.525 104.445 104.351 103.057 102.964 102.903 102.845 5.375 104.388 104.300 104.220 104.126 102.948 102.871 102.819 102.761 104.044 103.956 103.876 103.782 102.732 102.655 102.604 102.545 104.296 104.193 104.112 104.026 102.473 102.396 102.345 102.286 104.146 104.042 103.962 103.876 102.583 102.491 102.427 102.361 104.039 103.935 103.854 103.769 102.487 102.394 102.331 102.265 103.650 103.547 103.466 103.380 102.257 102.165 102.101 102.035 103.147 103.043 102.963 102.877 3.625 101.987 101.895 101.831 101.765 102.889 102.778 102.685 102.583 101.674 101.582 101.518 101.452 102.729 102.618 102.525 102.423 3.375 101.259 101.167 101.103 101.037 102.282 102.172 102.079 101.977 3.250 100.826 100.734 100.670 100.604 101.723 101.612 101.519 101.417 3.125 100.356 100.263 100.197 100.123 3.000 100.009 99.917 99.850 99.777

AGENCY CONFORMING & HIGH BALANCE (Fannie Mae DU) LLPAs Agency Price Adjustments (DU) LLPA by Credit Score / LTV Applicable for all mortgages with terms greater than 15 years FICO / LTV < 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% >740 720-739 700-719 1.250 1.500 680-699 1.250 1.750 1.500 1.250 1.250 1.500 660-679 2.250 2.750 2.750 2.250 2.250 2.250 640-659 1.250 2.750 3.000 3.250 2.750 2.750 2.750 Cash-Out Refinance Agency Price Adjustments (DU) by Credit Score / LTV FICO / LTV 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% >740 0.375 0.625 0.625 0.875 720-739 0.375 1.125 700-719 0.375 1.125 680-699 0.375 1.125 1.125 1.750 660-679 0.6250 1.125 1.125 1.875 640-659 0.6250 1.625 1.625 2.625 Agency Price Adjustments (DU) by Product Feature / LTV Product Feature / LTV 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% Investment Property 2.125 2.125 2.125 3.375 2-Unit Property 3-4 Unit Property minium Subordinate Financing 0.3750 0.375 0.375 0.375 0.375 0.375 0.375 Subordinate Financing Agency Price Adjustments (DU) by Range & FICO with Subordinate Financing LTV Range CLTV Range Credit Score <720 Credit Score 720 65.00% 80.01%-95.00% 65.01%-75.00% 80.01%-95.00% 75.01% - 95.00% 90.01% - 95.00% 75.01% - 90.00% 76.01% - 90.00% 95.00% 95.01% - 97.00% 1.500 1.500 Agency (DU) Loan Amount Price Adjustments Applicable to ALL Agency (DU) programs $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $299,999 $300,000 - $349,999 $350,000+ 1.500 0.375 0.125 Agency High Balance Price Adjustments (DU) by Product Feature / LTV Applicable for all High Balance eligible mortgages Product Feature / LTV 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% Purchase or Ltd Cash-Out 95.01 97.00% Cash-Out Refinance ARM (based on higher of LTV or CLTV) 1.500 1.500 1.500 1.500 Lender Paid Compensation Agency (DU) Compensation applied as LLPA Lender Paid compensation is equal to a minimum $4,000 or 1% whichever is greater. To determine the appropriate price adjustment in basis points please divide $4,000 by the loan amount and then multiply by 10,000. Lender Fee Trust Review TX Doc Review Example: If loan amount is $175,000 the Lender Paid comp would be calculated as follows. $4,000/$175,000 = 0.022857 x 10,000 = 228.571 basis point adjustment or 2.286% adjustment to base pricing. If borrower paid base pricing was 102.00 then the lender paid pricing would be 99.714 using the example above. Agency Wholesale Fees Lock Extension Fees Applicable for ALL Agency Mortgages $650 7 Day.125 $250 15 Day.250 $150 30 Day.500

AGENCY CONFORMING (Freddie Mac LP) BORROWER PAID 30 & 25 Year Fixed Agency LP (LP30, LP25) 20 Year Fixed Agency LP (LP20) 15 & 10 Year Fixed Agency LP (LP15, LP10) 107.246 107.125 107.115 106.978 106.716 106.595 106.526 106.389 104.388 104.307 104.192 104.100 106.780 106.659 106.646 106.509 106.677 106.577 106.419 106.304 103.993 103.912 103.809 103.717 106.296 106.195 106.158 106.043 106.221 106.120 105.999 105.885 103.478 103.397 103.306 103.214 105.872 105.771 105.730 105.615 105.732 105.631 105.524 105.409 103.488 103.427 103.318 103.248 105.402 105.301 105.258 105.143 105.225 105.124 105.017 104.902 102.974 102.913 102.815 102.746 104.882 104.780 104.737 104.622 104.572 104.491 104.354 104.262 3.625 102.444 102.383 102.298 102.228 104.441 104.359 104.274 104.181 104.070 103.989 103.848 103.756 102.400 102.339 102.263 102.193 103.943 103.861 103.777 103.684 103.532 103.450 103.305 103.212 3.375 101.958 101.916 101.805 101.758 103.385 103.303 103.219 103.126 102.942 102.861 102.711 102.618 3.250 101.424 101.382 101.281 101.233 102.793 102.711 102.624 102.531 102.728 102.666 102.514 102.444 3.125 100.874 100.832 100.735 100.688 102.125 102.062 101.968 101.897 102.103 102.041 101.922 101.852 3.000 100.312 100.271 100.173 100.126 101.578 101.515 101.418 101.346 101.506 101.444 101.299 101.229 2.875 99.721 99.699 99.580 99.555 100.927 100.864 100.766 100.695 3.625 100.869 100.807 100.643 100.572 2.750 99.162 99.139 99.018 98.993 3.625 100.195 100.132 100.036 99.964 100.171 100.109 99.929 99.858 2.625 98.585 98.562 98.439 98.414 99.396 99.333 99.238 99.167 3.375 99.388 99.326 99.138 99.067 2.500 97.969 97.947 97.824 97.799 3.375 98.514 98.470 98.312 98.262 3.250 98.720 98.677 98.497 98.448 2.375 97.302 97.280 97.159 97.133 3.250 97.761 97.717 97.561 97.511 3.125 98.009 97.966 97.777 97.728 2.250 96.645 96.623 96.503 96.477 5/1 LIBOR ARM (2/2/5) Agency LP (LP51) 7/1 LIBOR ARM (5/2/5) Agency LP (LP71) 10/1 LIBOR ARM (5/2/5) Agency LP (LP101) 101.922 101.829 101.724 101.631 101.642 101.550 101.444 101.351 3.250 99.843 99.780 99.709 99.647 101.684 101.596 101.497 101.409 101.406 101.318 101.218 101.130 3.125 99.346 99.289 99.224 99.166 101.571 101.488 101.394 101.312 101.313 101.230 101.136 101.053 3.000 99.018 98.965 98.905 98.853 3.625 101.542 101.464 101.376 101.299 3.625 101.316 101.238 101.150 101.072 2.875 98.691 98.643 98.589 98.542 101.393 101.321 101.239 101.166 101.182 101.109 101.027 100.954 2.750 98.214 98.171 98.123 98.080 3.375 101.251 101.184 101.108 101.040 3.375 101.054 100.986 100.910 100.842 2.625 97.639 97.601 97.559 97.521 3.250 100.973 100.721 100.651 100.588 3.250 100.320 100.258 100.187 100.125 2.500 97.222 97.189 97.152 97.119 3.125 100.612 100.358 100.293 100.236 3.125 99.889 99.831 99.766 99.709 2.375 96.812 96.785 96.753 96.725 3.000 100.399 100.122 100.063 100.011 3.000 99.587 99.535 99.475 99.423 2.250 96.239 96.216 96.190 96.167 2.875 100.200 99.889 99.835 99.788 2.875 99.285 99.238 99.184 99.137 2.125 95.566 95.548 95.528 95.510 2.750 99.847 99.538 99.490 99.448 2.750 98.777 98.735 98.687 98.645 2.000 95.068 95.055 95.040 95.027 2.625 99.408 99.111 99.069 99.032 2.625 98.134 98.097 98.055 98.017 2.500 99.072 98.807 98.771 98.739 2.500 97.701 97.669 97.632 97.599 2.375 98.734 98.510 98.480 98.453 2.250 98.282 98.087 98.063 98.041

AGENCY SUPER CONFORMING (Freddie Mac LP) BORROWER PAID 30 Year Fixed Super Conforming Agency LP (LPSC30) 15 Year Fixed Super Conforming Agency LP (LPSC15) Minimum FICO 640 Minimum FICO 640 105.621 105.500 105.490 105.353 102.763 102.682 102.567 102.475 105.155 105.034 105.021 104.884 102.368 102.287 102.184 102.092 104.671 104.570 104.533 104.418 101.853 101.772 101.681 101.589 104.247 104.146 104.105 103.990 101.863 101.802 101.693 101.623 103.777 103.676 103.633 103.518 101.349 101.288 101.190 101.121 103.257 103.155 103.112 102.997 3.625 100.819 100.758 100.673 100.603 102.816 102.734 102.649 102.556 100.775 100.714 100.638 100.568 102.318 102.236 102.152 102.059 3.375 100.333 100.291 100.180 100.133 101.760 101.678 101.594 101.501 3.250 99.799 99.757 99.656 99.608 101.168 101.086 100.999 100.906 3.125 99.249 99.207 99.110 99.063 10 100.437 100.343 100.272 3.000 98.687 98.646 98.548 98.501 99.953 99.890 99.793 99.721 2.875 98.096 98.074 97.955 97.930 99.302 99.239 99.141 99.070 2.750 97.537 97.514 97.393 97.368 3.625 98.570 98.507 98.411 98.339 2.625 96.960 96.937 96.814 96.789 97.771 97.708 97.613 97.542 2.500 96.344 96.322 96.199 96.174 3.375 96.889 96.845 96.687 96.637 2.375 95.677 95.655 95.534 95.508 3.250 96.136 96.092 95.936 95.886 2.250 95.020 94.998 94.878 94.852 5/1 LIBOR ARM (2/2/5) Super Conforming Agency LP (LPSC51) 7/1 LIBOR ARM (5/2/5) Super Conforming Agency LP (LPSC71) 10/1 LIBOR ARM (5/2/5) Super Conforming Agency LP (LPSC101) Minimum FICO 640 Minimum FICO 640 Minimum FICO 640 100.297 100.204 100.099 100.006 100.017 99.925 99.819 99.726 3.250 98.218 98.155 98.084 98.022 100.059 99.971 99.872 99.784 99.781 99.693 99.593 99.505 3.125 97.721 97.664 97.599 97.541 99.946 99.863 99.769 99.687 99.688 99.605 99.511 99.428 3.000 97.393 97.340 97.280 97.228 3.625 99.917 99.839 99.751 99.674 3.625 99.691 99.613 99.525 99.447 2.875 97.066 97.018 96.964 96.917 99.768 99.696 99.614 99.541 99.557 99.484 99.402 99.329 2.750 96.589 96.546 96.498 96.455 3.375 99.626 99.559 99.483 99.415 3.375 99.429 99.361 99.285 99.217 2.625 96.014 95.976 95.934 95.896 3.250 99.348 99.096 99.026 98.963 3.250 98.695 98.633 98.562 98.500 2.500 95.597 95.564 95.527 95.494 3.125 98.987 98.733 98.668 98.611 3.125 98.264 98.206 98.141 98.084 3.000 98.774 98.497 98.438 98.386 3.000 97.962 97.910 97.850 97.798 2.875 98.575 98.264 98.210 98.163 2.875 97.660 97.613 97.559 97.512 2.750 98.222 97.913 97.865 97.823 2.750 97.152 97.110 97.062 97.020 2.625 97.783 97.486 97.444 97.407 2.625 96.509 96.472 96.430 96.392 2.500 97.447 97.182 97.146 97.114 2.500 96.076 96.044 96.007 95.974

AGENCY CONFORMING & SUPER CONFORMING (Freddie Mac LP) LLPAs Agency Price Adjustments (LP) LLPA by Credit Score / LTV Applicable for all mortgages with terms greater than 15 years FICO / LTV < 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% >740 720-739 700-719 1.250 1.500 680-699 1.250 1.750 1.500 1.250 1.250 1.500 660-679 2.250 2.750 2.750 2.250 2.250 2.250 640-659 1.250 2.750 3.000 3.250 2.750 2.750 2.750 Cash-Out Refinance Agency Price Adjustments (LP) by Credit Score / LTV FICO / LTV 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% >740 0.375 0.625 0.625 0.875 720-739 0.375 1.125 700-719 0.375 1.125 680-699 0.375 1.125 1.125 1.750 660-679 0.625 1.125 1.125 1.875 640-659 0.625 1.625 1.625 2.625 Agency Price Adjustments (LP) by Product Feature / LTV Product Feature / LTV 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% Investment Property 2.125 2.125 2.125 3.375 2-Unit Property 3-4 Unit Property 1.500 2.000 2.000 minium Subordinate Financing Agency Price Adjustments (LP) by Range & FICO with Subordinate Financing LTV Range CLTV Range Credit Score <720 Credit Score 720 75.00% 80.00% 0.375 0.375 65.00% 80.01%-95.00% 0.875 0.625 65.01%-75.00% 80.01%-95.00% 1.125 0.875 75.01% - 95.00% 75.01% - 95.00% 1.375 1.125 Agency (LP) Loan Amount Price Adjustments Applicable to ALL Agency (LP) programs $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $299,999 $300,000 - $349,999 $350,000+ 1.500 0.375 0.125 Agency Super Conforming Price Adjustments (LP) by Product Feature / LTV Applicable for all High Balance eligible mortgages Product Purpose 75% LTV > 75% & 80% LTV > 80% LTV 30 & 15 Year Fixed Purchase & No Cash-Out Refinance Cash-Out Refinance Fully Amortizing ARMs Purchase & No Cash-Out Refinance Cash-Out Refinance 1.750 1.750 2.500 1.750 Lender Paid Compensation Agency (LP) Compensation applied as LLPA Lender Paid compensation is equal to a minimum $4,000 or 1% whichever is greater. To determine the appropriate price adjustment in basis points please divide $4,000 by the loan amount and then multiply by 10,000. Example: If loan amount is $175,000 the Lender Paid comp would be calculated as follows. $4,000/$175,000 = 0.022857 x 10,000 = 228.571 basis point adjustment or 2.286% adjustment to base pricing. If borrower paid base pricing was 102.00 then the lender paid pricing would be 99.714 using the example above. Agency Wholesale Fees Lock Extension Fees Applicable for ALL Agency Mortgages Lender Fee $650 7 Day.125 Trust Review $250 15 Day.250 TX Doc Review $150 30 Day.500