FANNIE MAE CONVENTIONAL PRODUCTS

30-Year Fixed Rate 20-Year Fixed Rate 15-Year Fixed Rate CONFORMING 30 YEAR FIXED CONFORMING 20 YEAR FIXED CONFORMING 15 YEAR FIXED 4.000 97.843 97.796 97.752 97.706 3.750 97.845 97.787 97.729 97.677 3.125 97.401 97.364 97.325 97.285 4.125 98.492 98.445 98.402 98.356 3.875 98.462 98.404 98.345 98.294 3.250 98.116 98.056 98.001 97.948 4.250 99.374 99.312 99.253 99.193 4.000 99.114 99.056 98.998 98.946 3.375 98.664 98.604 98.549 98.497 4.375 99.927 99.865 99.806 99.746 4.125 99.635 99.577 99.518 99.467 3.500 99.164 99.104 99.049 98.996 4.500 100.688 100.626 100.568 100.507 4.250 100.280 100.208 100.134 100.068 3.625 99.662 99.602 99.547 99.495 4.625 101.274 101.212 101.153 101.092 4.375 100.935 100.863 100.790 100.723 3.750 100.176 100.116 100.061 100.008 4.750 101.847 101.785 101.727 101.666 4.500 101.531 101.458 101.385 101.318 3.875 100.563 100.502 100.448 100.395 4.875 102.416 102.354 102.296 102.235 4.625 102.024 101.951 101.878 101.811 3.990 100.799 100.746 100.698 100.653 4.990 102.714 102.645 102.580 102.517 4.750 102.529 102.456 102.383 102.316 4.000 100.820 100.767 100.720 100.675 5.000 102.940 102.870 102.804 102.741 4.875 103.038 102.965 102.892 102.825 4.125 101.284 101.231 101.184 101.139 5.125 103.523 103.454 103.388 103.324 5.000 103.320 103.240 103.159 103.089 4.250 101.667 101.603 101.541 101.481 5.250 104.020 103.951 103.885 103.822 5.125 103.836 103.756 103.676 103.606 4.375 101.908 101.844 101.782 101.722 5.375 104.427 104.358 104.292 104.228 5.250 104.146 104.066 103.985 103.916 4.500 102.396 102.333 102.270 102.210 5.500 104.723 104.654 104.588 104.524 5.375 104.524 104.444 104.363 104.294 4.625 102.918 102.855 102.792 102.732 5.625 105.297 105.230 105.164 105.091 5.500 104.853 104.773 104.693 104.623 4.750 103.091 103.028 102.965 102.905 5.750 105.718 105.651 105.585 105.511 5.625 105.086 105.008 104.928 104.849 4.875 103.275 103.212 103.149 103.089 5.875 106.017 105.950 105.884 105.811 4.990 103.491 103.428 103.365 103.305 5.990 106.027 105.960 105.894 105.821 5.000 103.510 103.446 103.384 103.324 6.000 106.047 105.980 105.914 105.841 10-Year Fixed Rate 30- Year Fixed Rate High Balance 15-Yr Fixed Rate High Balance CONFORMING 10 YEAR FIXED HIGH BALANCE 30 YEAR FIXED HIGH BALANCE 15 YEAR FIXED 3.125 97.242 97.192 97.122 97.063 3.750 95.760 95.702 95.643 95.592 3.125 96.153 96.109 96.055 96.005 3.250 98.275 98.202 98.117 98.045 3.875 96.375 96.318 96.259 96.208 3.250 96.723 96.657 96.587 96.525 3.375 98.618 98.546 98.460 98.388 3.990 96.837 96.779 96.721 96.669 3.375 97.383 97.316 97.246 97.184 3.500 99.034 98.961 98.875 98.804 4.000 96.959 96.901 96.843 96.791 3.500 97.906 97.840 97.770 97.707 3.625 99.383 99.311 99.225 99.153 4.125 97.781 97.723 97.664 97.613 3.625 98.323 98.256 98.186 98.124 3.750 100.180 100.115 100.036 99.972 4.250 98.522 98.464 98.406 98.354 3.750 98.678 98.612 98.542 98.480 3.875 100.424 100.359 100.281 100.217 4.375 99.206 99.149 99.090 99.039 3.875 98.919 98.852 98.782 98.720 4.000 100.750 100.684 100.606 100.542 4.500 99.918 99.845 99.772 99.705 3.990 99.231 99.171 99.108 99.053 4.125 101.086 101.021 100.943 100.879 4.625 100.428 100.355 100.282 100.215 4.000 99.258 99.199 99.136 99.082 4.250 101.777 101.701 101.607 101.529 4.750 100.963 100.891 100.818 100.751 4.125 99.657 99.598 99.536 99.481 4.375 101.978 101.902 101.808 101.729 4.875 101.521 101.449 101.375 101.309 4.250 99.862 99.803 99.741 99.686 4.500 102.248 102.172 102.078 101.999 4.990 101.954 101.882 101.809 101.742 4.375 99.869 99.810 99.747 99.692 4.625 102.673 102.597 102.503 102.424 5.000 101.975 101.903 101.830 101.763 4.500 100.157 100.087 100.009 99.939 4.750 102.882 102.807 102.713 102.634 5.125 102.133 102.061 101.988 101.921 4.625 100.565 100.496 100.418 100.348 4.875 103.083 103.007 102.913 102.834 5.250 103.063 102.983 102.902 102.833 4.750 100.673 100.604 100.525 100.456 5.000 103.301 103.225 103.132 103.053 5.375 103.228 103.148 103.067 102.998 4.875 100.791 100.721 100.643 100.573 5.500 103.486 103.406 103.326 103.256 4.990 100.947 100.877 100.799 100.729 5.625 103.715 103.635 103.555 103.485 5.000 100.960 100.891 100.813 100.743 FANNIE MAE CONVENTIONAL PRODUCTS 5/1 LIBOR ARM Plan 2737, Nonconvertible, 5/2/5 7/1 LIBOR ARM Plan 2727, Nonconvertible 10/1 LIBOR ARM Plan 2729, Nonconvertible CONFORMING 5/1 ARM CONFORMING 7/1 ARM CONFORMING 10/1 ARM 4.000 100.734 100.664 100.597 100.530 4.250 97.368 97.301 97.240 97.180 4.500 97.970 97.902 97.842 97.782 4.125 101.086 101.016 100.949 100.882 4.375 97.726 97.658 97.598 97.538 4.625 98.333 98.265 98.205 98.145 4.250 101.466 101.396 101.329 101.262 4.500 98.059 97.991 97.931 97.871 4.750 98.594 98.526 98.466 98.406 4.375 101.770 101.701 101.634 101.567 4.625 98.378 98.310 98.250 98.190 4.500 102.075 102.006 101.939 101.872 5/1 LIBOR ARM Plan 2737, Margin 1.75, Nonconvertible, 5/2/5 7/1 LIBOR ARM Plan 2727, Margin 1.75, Nonconvertible 10/1 LIBOR ARM Plan 2729, Margin 1.75, Nonconvertible HIGH BALANCE 5/1 ARM HIGH BALANCE 7/1 ARM HIGH BALANCE 10/1 ARM 4.000 99.109 99.039 98.972 98.905 4.250 95.493 95.426 95.365 95.305 4.500 96.095 96.027 95.967 95.907 4.125 99.461 99.391 99.324 99.257 4.375 95.851 95.783 95.723 95.663 4.625 96.458 96.390 96.330 96.270 4.250 99.591 99.521 99.454 99.387 4.500 96.184 96.116 96.056 95.996 4.750 96.719 96.651 96.591 96.531 4.375 99.895 99.826 99.759 99.692 4.625 96.503 96.435 96.375 96.315 4.500 100.200 100.131 100.064 99.997 DU REFI PLUS 30 YEAR FIXED LTV 105.01-125% DU REFI PLUS 30 YEAR FIXED > 125% LTV RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 4.000 97.343 97.296 97.252 97.206 4.000 97.093 97.046 97.002 96.956 4.125 98.242 98.195 98.152 98.106 4.125 98.117 98.070 98.027 97.981 4.250 99.124 99.062 99.003 98.943 4.250 99.124 99.062 99.003 98.943 4.375 99.677 99.615 99.556 99.496 4.375 99.677 99.615 99.556 99.496 4.500 100.438 100.376 100.318 100.257 4.500 100.438 100.376 100.318 100.257 4.625 101.024 100.962 100.903 100.842 4.625 101.024 100.962 100.903 100.842 4.750 101.597 101.535 101.477 101.416 4.750 101.597 101.535 101.477 101.416 4.875 102.166 102.104 102.046 101.985 4.875 102.166 102.104 102.046 101.985 4.990 102.464 102.395 102.330 102.267 4.990 102.464 102.395 102.330 102.267 5.000 102.690 102.620 102.554 102.491 5.000 102.690 102.620 102.554 102.491 5.125 103.273 103.204 103.138 103.074 5.125 103.273 103.204 103.138 103.074 5.250 103.770 103.701 103.635 103.572 5.250 103.770 103.701 103.635 103.572 Rate sheets are intended for use by mortgage professionals only. 1 of 8

30-Year Fixed Rate Conventional 20-Year Fixed Rate Conventional 15-Year Fixed Rate Conventional CONFORMING 30 YEAR FIXED CONFORMING 20 YEAR FIXED CONFORMING 15 YEAR FIXED 4.000 97.781 97.745 97.706 97.657 3.750 97.082 97.023 96.965 96.855 3.250 97.826 97.814 97.762 97.752 4.125 98.389 98.358 98.299 98.260 3.875 97.906 97.843 97.785 97.680 3.375 98.335 98.304 98.268 98.238 4.250 99.187 99.157 99.097 99.063 4.000 98.601 98.536 98.478 98.372 3.500 99.169 99.138 99.102 99.074 4.375 99.817 99.788 99.729 99.699 4.125 99.404 99.341 99.283 99.180 3.625 99.716 99.687 99.651 99.624 4.500 100.687 100.663 100.604 100.583 4.250 100.214 100.150 100.092 99.993 3.750 100.172 100.144 100.108 100.082 4.625 101.258 101.225 101.145 101.095 4.375 100.767 100.704 100.646 100.549 3.875 100.580 100.553 100.518 100.496 4.750 101.854 101.823 101.743 101.699 4.500 101.454 101.388 101.330 101.239 3.990 100.880 100.832 100.786 100.741 4.875 102.426 102.393 102.313 102.278 4.625 101.997 101.931 101.852 101.739 4.000 100.906 100.856 100.810 100.763 4.990 102.783 102.756 102.676 102.644 4.750 102.458 102.392 102.313 102.203 4.125 101.454 101.406 101.359 101.315 5.000 103.014 102.988 102.908 102.876 4.875 102.827 102.761 102.682 102.576 4.250 101.742 101.694 101.645 101.605 5.125 103.716 103.684 103.583 103.523 5.000 103.284 103.218 103.139 103.036 4.375 102.093 102.046 101.996 101.956 5.250 104.001 103.972 103.871 103.815 5.125 103.665 103.570 103.470 103.346 4.500 102.461 102.392 102.335 102.270 5.375 104.348 104.321 104.220 104.168 5.250 103.952 103.858 103.757 103.636 4.625 102.982 102.914 102.856 102.793 5.500 104.612 104.587 104.486 104.438 5.375 104.088 103.994 103.893 103.775 4.750 103.134 103.066 103.007 102.944 5.625 105.187 105.160 105.038 104.980 5.500 104.388 104.296 104.195 104.079 4.875 103.329 103.262 103.203 103.140 5.750 105.724 105.699 105.577 105.524 5.625 104.798 104.771 104.648 104.589 4.990 103.573 103.486 103.437 103.355 5.875 106.087 106.065 105.943 105.894 5.750 105.158 105.132 105.009 104.952 5.000 103.594 103.505 103.457 103.374 5.990 106.098 106.084 105.961 105.913 5.125 103.995 103.907 103.858 103.776 6.000 106.116 106.102 105.979 105.931 5.250 104.419 104.332 104.284 104.204 10-Year Fixed Rate Conventional 30-Year Fixed Rate Conventional 15-Year Fixed Rate Conventional CONFORMING 10 YEAR FIXED SUPER CONFORMING 30 YEAR FIXED SUPER CONFORMING 15 YEAR FIXED 3.125 97.200 97.188 97.136 97.125 4.000 97.054 97.018 96.979 96.930 3.250 97.483 97.471 97.419 97.409 3.250 97.576 97.564 97.512 97.502 4.125 97.569 97.538 97.479 97.440 3.375 97.710 97.679 97.643 97.613 3.375 98.085 98.054 98.018 97.988 4.250 98.367 98.337 98.277 98.243 3.500 98.544 98.513 98.477 98.449 3.500 98.919 98.888 98.852 98.824 4.375 98.997 98.968 98.909 98.879 3.625 99.091 99.062 99.026 98.999 3.625 99.466 99.437 99.401 99.374 4.500 99.867 99.843 99.784 99.763 3.750 99.547 99.519 99.483 99.457 3.750 99.972 99.944 99.908 99.882 4.625 100.539 100.506 100.426 100.376 3.875 99.805 99.778 99.743 99.721 3.875 100.380 100.353 100.318 100.296 4.750 101.135 101.104 101.024 100.980 3.990 99.870 99.822 99.777 99.732 4.000 100.706 100.656 100.610 100.563 4.875 101.707 101.674 101.594 101.559 4.000 99.896 99.846 99.800 99.753 4.125 101.254 101.206 101.159 101.115 4.990 102.064 102.038 101.958 101.925 4.125 100.345 100.297 100.250 100.206 4.250 101.542 101.494 101.445 101.405 5.000 102.295 102.269 102.189 102.157 4.250 100.633 100.585 100.536 100.496 4.375 101.893 101.846 101.796 101.756 5.125 102.468 102.436 102.335 102.275 4.375 100.784 100.737 100.687 100.647 4.500 102.261 102.192 102.135 102.070 5.250 102.603 102.574 102.473 102.417 4.500 100.882 100.813 100.756 100.691 4.625 102.782 102.714 102.656 102.593 5.375 102.950 102.923 102.822 102.770 4.625 101.404 101.336 101.278 101.215 4.750 102.934 102.866 102.807 102.744 5.500 103.014 102.989 102.888 102.840 4.750 101.556 101.488 101.429 101.366 5.625 103.070 103.043 102.921 102.863 4.875 101.751 101.684 101.625 101.562 5.750 103.607 103.582 103.460 103.407 4.990 100.292 100.205 100.156 100.074 5.875 103.970 103.948 103.826 103.777 5.000 100.313 100.224 100.176 100.093 5.990 103.981 103.967 103.844 103.796 5.125 100.713 100.625 100.576 100.494 6.000 103.999 103.985 103.862 103.814 5.250 101.138 101.051 101.003 100.923 5/1 1-Year LIBOR ARM 2/2/5 or 6 7/1 1-Year LIBOR ARM 5/2/5 10/1 1-Year LIBOR ARM 5/2/5 FREDDIE MAC CONVENTIONAL PRODUCTS Rate sheets are intended for use by mortgage professionals only. 2 of 8

CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 < 620 FICO / LTV ADJUSTMENTS FOR LOANS WITH A TERM GREATER THAN 15 YEARS <=60 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 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500) CONVENTIONAL PRODUCTS - LLPA CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 <620 CASH-OUT REFI ADJUSTMENTS (ALL LOAN TERMS) <=60 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 (0.375) (0.625) (0.625) (0.875) N/A N/A N/A N/A (0.375) (1.000) (1.000) (1.125) N/A N/A N/A N/A (0.375) (1.000) (1.000) (1.125) N/A N/A N/A N/A (0.375) (1.125) (1.125) (1.750) N/A N/A N/A N/A (0.625) (1.125) (1.125) (1.875) N/A N/A N/A N/A (0.625) (1.625) (1.625) (2.625) N/A N/A N/A N/A (0.625) (1.625) (1.625) (3.125) N/A N/A N/A N/A (1.625) (2.625) (2.625) (3.125) N/A N/A N/A N/A PHL ADJUSTMENTS STANDARD ADJUSTMENTS SUBORDINATE FINANCED PRICE ADJUSTMENTS Long Term Rate Locks LOAN AMOUNT ADJUSTMENTS NOO <= 75% (2.125) FICO (add to 60 day price) LTV CLTV $100,000 - $124,999 (0.125) NOO 75.01-80% (3.375) <720 >=720 Rate Adj. Price Adj. $75,000 - $99,999 (0.250) NOO 80.01-85% (4.125) ALL ALL (0.375) (0.375) 75 Day Lock N/A (0.125) $60,000 - $74,999 (0.875) High Balance & Super Conf C/O (1.000) (Sub Fin LLPAs below also apply) 90 Day Lock N/A (0.500) $60,000 min loan amount High Balance & Super Conf R/T <=65.00% 80.01% - 95.00% (0.500) (0.250) 120 Day Lock N/A (1.000) (0.250) OTHER ADJUSTMENTS or Purchase 65.01% - 75.00% 80.01% - 95.00% (0.750) (0.500) *180 Day Lock 0.125% (1.000) No Escrow (Non CA) (0.250) 20 Yr High Balance & Super (1.000) (0.750) *270 Day Lock 0.375% (1.000) (1.250) 75.01% - 95.00% 90.01% - 95.00% No Escrow (CA) (0.125) Conf (to 20 Yr Price) 75.01% - 90.00% 76.01% - 90.00% (1.000) (0.750) *360 Day Lock 0.500% (1.000) TX Property 0.250 Condo (attached) >75% (0.750) <=95.00% 95.01% - 97.00% (1.500) (1.500) *A 1.00% upfront fee is due w/in 5 days of lock. ARM > 90% LTV (0.250) Home Ready Cumulative LLPA Caps - If the sum of all non PHL LLPAs exceeds the cap shown FHLMC 2nd Home >85% LTV (0.250) below, the excess will be waived. PHL adj. are in addition to the capped adj. *Fixed Rates Only 2 Unit - All LTV (1.000) 3-4 Unit <= 80% LTV (1.000) LTV/FICO LLPA Cap MANDATORY COMMITMENT MAX PRICE PAID AFTER ALL 3-4 Unit 80.01-85% LTV (1.500) LTV > 80% and FICO >= 680 0.000 IMPROVE PRICE BY 0.125 ADJUSTMENTS IS 106.000 3-4 Unit > 85% LTV (2.000) All other LTV and FICO combinations 1.500 DU Refi PLUS PRODUCTS - LLPA CREDIT SCORE 740+ 720-739 700-719 680-699 660-679 640-659 620-639 FICO / LTV ADJUSTMENTS FOR LOANS WITH A TERM GREATER THAN 15 YEARS <=60 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 97.01-105 >105 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) 0.000 (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.500) (0.500) (0.500) 0.000 (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.250) (1.250) (1.250) (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (1.750) (1.750) (1.750) (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.500) (2.500) (2.500) PHL ADJUSTMENTS STANDARD ADJUSTMENTS SUBORDINATE FINANCED PRICE ADJUSTMENTS Long Term Rate Locks LOAN AMOUNT ADJUSTMENTS NOO <= 75% (2.125) FICO (add to 60 day price) LTV CLTV $100,000 - $124,999 (0.125) NOO 75.01-80% (3.375) <720 >=720 Rate Adj. Price Adj. $75,000 - $99,999 (0.250) NOO >80% (4.125) ALL ALL (0.375) (0.375) 75 Day Lock N/A (0.125) $60,000 - $74,999 (0.875) LTV 95.01% - 97% (0.500) (Sub Fin LLPAs below also apply) 90 Day Lock N/A (0.500) $60,000 min loan amount LTV 97.01% - 105% (1.000) 65.01% - 75.00% 90.01% - 95.00% (0.500) (0.250) 120 Day Lock N/A (1.000) OTHER ADJUSTMENTS LTV >105% (1.000) 75.01% - 95.00% 90.01% - 95.00% (0.500) (0.250) *180 Day Lock 0.125% (1.000) No Escrow (Non CA) (0.250) 20yr High Bal (to 20yr price) (1.250) 75.01% - 90.00% 76.01% - 90.00% (0.250) 0.000 *270 Day Lock 0.375% (1.000) No Escrow (CA) (0.125) 2 Unit - All LTV (1.000) ALL >95.00% (1.500) (1.500) *360 Day Lock 0.500% (1.000) TX Property 0.250 3-4 Unit < 80% LTV (1.000) DU Refi Plus Max LLPA Cap *A 1.00% upfront fee is due w/in 5 days of lock. 3-4 Unit 80.01-85% LTV (1.500) MAX PRICE PAID AFTER ALL Principal Residences with LTV Ratios > 80.00% All Other Refi Plus 3-4 Unit > 85% LTV (2.000) ADJUSTMENTS IS 106.000 Condo (attached) >75% (0.750) Term LTV > 80.00% Term LTV 105.00% LTV > 105.00% MANDATORY COMMITMENT IMPROVE PRICE BY 0.125 (0.750) > 25 Years up (2.000) (2.000) to 30 Years > 20 Years 20 Years 0.000 <= 25 Years (2.000) (1.500) DU Refi Plus LLPA Cap Does Not Include Loan Amount Adj., Region OR Escrow Adj, If Applicable Rate sheets are intended for use by mortgage professionals only. 3 of 8

GOVERNMENT PRODUCTS FHA 30 Year Fixed FHA 15 Year Fixed FHA 30 Year Fixed FHA/VA 30 YEAR FIXED FHA/VA 15 YEAR FIXED USDA 30 YEAR FIXED 3.750 99.432 99.385 99.338 99.292 2.875 96.761 96.714 96.667 96.620 3.750 99.432 99.385 99.338 99.292 3.875 99.812 99.766 99.719 99.672 3.000 97.440 97.393 97.346 97.299 3.875 99.812 99.766 99.719 99.672 3.990 100.209 100.162 100.115 100.068 3.125 98.016 97.969 97.922 97.875 3.990 100.209 100.162 100.115 100.068 4.000 100.439 100.392 100.345 100.298 3.250 98.288 98.218 98.148 98.078 4.000 100.439 100.392 100.345 100.298 4.125 100.778 100.731 100.684 100.637 3.375 98.876 98.806 98.736 98.665 4.125 100.778 100.731 100.684 100.637 4.250 101.483 101.421 101.358 101.296 3.500 99.702 99.632 99.562 99.492 4.250 101.483 101.421 101.358 101.296 4.375 102.223 102.160 102.098 102.035 3.625 100.333 100.262 100.192 100.122 4.375 102.223 102.160 102.098 102.035 4.500 102.699 102.637 102.574 102.512 3.750 100.525 100.463 100.400 100.338 4.500 102.699 102.637 102.574 102.512 4.625 103.169 103.107 103.044 102.982 3.875 101.129 101.066 101.004 100.941 4.625 103.169 103.107 103.044 102.982 4.750 103.608 103.530 103.452 103.374 4.000 101.302 101.240 101.177 101.115 4.750 103.608 103.530 103.452 103.374 4.875 103.982 103.904 103.825 103.747 4.125 101.453 101.390 101.328 101.265 4.875 103.982 103.904 103.825 103.747 4.990 104.341 104.262 104.184 104.106 4.250 102.800 102.729 102.659 102.589 4.990 104.341 104.262 104.184 104.106 5.000 104.501 104.422 104.344 104.266 4.375 102.842 102.772 102.701 102.631 5.000 104.501 104.422 104.344 104.266 5.125 104.857 104.779 104.701 104.623 4.500 103.313 103.243 103.173 103.102 5.125 104.857 104.779 104.701 104.623 5.250 105.038 104.960 104.882 104.803 4.625 103.748 103.677 103.607 103.537 5.250 105.038 104.960 104.882 104.803 5.375 105.153 105.075 104.997 104.919 5.375 105.153 105.075 104.997 104.919 5.500 105.517 105.439 105.361 105.283 5.500 105.517 105.439 105.361 105.283 5.625 105.896 105.818 105.740 105.662 5.625 105.896 105.818 105.740 105.662 5.750 105.979 105.917 105.854 105.792 Rates shown here may exceed the maximum applicable USDA rate FHA 30 Year Fixed FHA 15 Year Fixed FHA 30 Year Fixed FHA/VA 30 YEAR HIGH BALANCE FHA/VA 15 YEAR HIGH BALANCE VA 95.01% - 100% CASH OUT 3.750 98.443 98.397 98.350 98.303 2.875 95.542 95.495 95.448 95.401 3.750 97.432 97.385 97.338 97.292 3.875 98.824 98.777 98.730 98.683 3.000 96.221 96.174 96.127 96.080 3.875 97.812 97.766 97.719 97.672 3.990 99.220 99.173 99.126 99.079 3.125 96.797 96.750 96.704 96.657 3.990 98.209 98.162 98.115 98.068 4.000 99.390 99.343 99.296 99.249 3.250 97.070 96.999 96.929 96.859 4.000 98.439 98.392 98.345 98.298 4.125 99.609 99.562 99.515 99.468 3.375 97.658 97.587 97.517 97.447 4.125 98.778 98.731 98.684 98.637 4.250 100.289 100.227 100.164 100.102 3.500 98.384 98.313 98.243 98.173 4.250 99.483 99.421 99.358 99.296 4.375 100.929 100.867 100.804 100.742 3.625 98.964 98.894 98.823 98.753 4.375 100.223 100.160 100.098 100.035 4.500 101.405 101.343 101.280 101.218 3.750 99.180 99.117 99.055 98.992 4.500 100.699 100.637 100.574 100.512 4.625 101.916 101.853 101.791 101.728 3.875 99.483 99.421 99.358 99.296 4.625 101.169 101.107 101.044 100.982 4.750 102.127 102.049 101.971 101.893 4.000 99.517 99.454 99.392 99.329 4.750 101.608 101.530 101.452 101.374 4.875 102.605 102.527 102.449 102.371 4.125 99.647 99.585 99.522 99.460 4.875 101.982 101.904 101.825 101.747 4.990 102.884 102.806 102.728 102.650 4.250 101.018 100.948 100.878 100.807 4.990 102.341 102.262 102.184 102.106 5.000 103.044 102.966 102.888 102.810 4.375 101.061 100.990 100.920 100.850 5.000 102.501 102.422 102.344 102.266 5.125 103.106 103.028 102.950 102.872 4.500 101.182 101.112 101.041 100.971 5.125 102.857 102.779 102.701 102.623 5.250 103.560 103.482 103.404 103.326 4.625 101.716 101.646 101.576 101.505 5.250 103.038 102.960 102.882 102.803 5.375 103.656 103.578 103.500 103.421 5.375 103.153 103.075 102.997 102.919 5.500 104.010 103.932 103.854 103.776 5.500 103.517 103.439 103.361 103.283 5.625 104.479 104.401 104.323 104.244 5.625 103.896 103.818 103.740 103.662 5.750 104.757 104.694 104.632 104.569 5.750 103.979 103.917 103.854 103.792 GOVT 5/1 ARM GOVT 3/1 ARM FHA/VA 5/1 ARM FHA/VA 3/1 ARM RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 2.750 98.188 98.063 97.938 97.813 2.250 96.521 96.396 96.271 96.146 2.875 98.582 98.457 98.332 98.207 2.375 96.789 96.664 96.539 96.414 3.000 98.843 98.718 98.593 98.468 2.500 97.050 96.925 96.800 96.675 3.125 99.096 98.971 98.846 98.721 2.625 97.323 97.198 97.073 96.948 3.250 99.588 99.463 99.338 99.213 2.750 97.484 97.359 97.234 97.109 3.375 99.846 99.721 99.596 99.471 2.875 97.742 97.617 97.492 97.367 3.500 100.073 99.948 99.823 99.698 3.000 97.990 97.865 97.740 97.615 3.625 100.276 100.151 100.026 99.901 3.125 98.250 98.125 98.000 97.875 FHA 30 YEAR FIXED 203k FHA 30 YEAR FIXED HIGH BALANCE 203k RATE 15 DAY 30 DAY 45 DAY 60 DAY RATE 15 DAY 30 DAY 45 DAY 60 DAY 3.750 98.405 98.358 98.311 98.264 3.750 97.416 97.369 97.322 97.276 3.875 98.785 98.738 98.691 98.644 3.875 97.796 97.749 97.703 97.656 3.990 99.181 99.135 99.088 99.041 3.990 98.193 98.146 98.099 98.052 4.000 99.411 99.365 99.318 99.271 4.000 98.363 98.316 98.269 98.222 4.125 99.750 99.703 99.657 99.610 4.125 98.582 98.535 98.488 98.441 4.250 100.456 100.393 100.331 100.268 4.250 99.262 99.199 99.137 99.074 4.375 101.196 101.133 101.071 101.008 4.375 99.902 99.839 99.777 99.714 4.500 101.672 101.609 101.547 101.484 4.500 100.378 100.316 100.253 100.191 4.625 102.142 102.080 102.017 101.955 4.625 100.888 100.826 100.763 100.701 4.750 102.581 102.503 102.425 102.347 4.750 101.100 101.022 100.944 100.866 4.875 102.954 102.876 102.798 102.720 4.875 101.578 101.500 101.422 101.344 4.990 103.313 103.235 103.157 103.079 4.990 101.857 101.779 101.701 101.623 5.000 103.473 103.395 103.317 103.239 5.000 102.017 101.939 101.861 101.783 5.125 103.830 103.752 103.674 103.596 5.125 102.079 102.001 101.923 101.844 5.250 104.010 103.932 103.854 103.776 5.250 102.533 102.455 102.377 102.299 5.375 104.126 104.048 103.970 103.892 5.375 102.628 102.550 102.472 102.394 5.500 104.490 104.412 104.334 104.256 5.500 102.983 102.904 102.826 102.748 5.625 104.869 104.791 104.713 104.635 5.625 103.451 103.373 103.295 103.217 5.750 104.952 104.889 104.827 104.764 5.750 103.729 103.667 103.604 103.542 GOVERNMENT PRODUCTS LLPA's LOAN AMOUNT FICO SCORE VA LOAN TYPE OTHER ADJUSTMENTS ARM Notes $100,000 - $124,999 (0.375) >= 740 0.250 VA Loan (0.250) 2 Unit (0.500) Margin: 2.00% $60,000 - $99,999 (0.750) 720-739 0.150 VA IRRRL (95.01-110.00) (1.000) 3-4 Unit (1.000) Floor: 2.00% Long Term Rate Locks 660-679 (0.250) VA IRRRL (110.01-125% LTV) (2.250) Manual Underwrite 0.000 Caps: 1/1/5% (add to 60 day price) 640-659 (0.500) Notes Manufactured Housing (1.250) Index: T-Bill Rate Adj. Price Adj. 620-639 (1.250) FHA ID #: 27128-00009 ARM HB (0.500) MAX PRICE PAID AFTER ALL 75 Day Lock N/A (0.125) 600-619 (1.500) VA ID #: 5199980000 25 Year Term (Fixed Only) (0.250) ADJUSTMENTS IS 108.00 - Does not 90 Day Lock N/A (0.500) < 600 (1.875) All borrowers must be checked against CAIVRS 20 Year Term (Fixed Only) (0.500) apply to USDA Product 120 Day Lock N/A (1.000) Mandatory Commitment 0.125 *180 Day Lock 0.125% (1.000) *270 Day Lock 0.375% (1.000) *360 Day Lock 0.500% (1.000) *A 1.00% upfront fee is due w/in 5 days of lock. *Fixed Rates Only Rate sheets are intended for use by mortgage professionals only. 4 of 8

PHL JUMBO PRODUCTS PHL JUMBO 30 YEAR FIXED PHL JUMBO 15 YEAR FIXED PHL JUMBO 20 YEAR FIXED 4.375 97.381 97.178 96.975 96.758 3.875 96.097 95.915 95.733 95.538 4.375 97.381 97.178 96.975 96.758 4.500 98.194 97.991 97.788 97.571 4.000 96.785 96.602 96.420 96.226 4.500 98.194 97.991 97.788 97.571 4.625 99.006 98.803 98.600 98.383 4.125 97.472 97.290 97.108 96.913 4.625 99.006 98.803 98.600 98.383 4.750 99.756 99.553 99.350 99.133 4.250 98.128 97.946 97.764 97.569 4.750 99.756 99.553 99.350 99.133 4.875 100.506 100.303 100.100 99.883 4.375 98.785 98.602 98.420 98.226 4.875 100.506 100.303 100.100 99.883 5.000 101.163 100.959 100.756 100.540 4.500 99.441 99.259 99.076 98.882 5.000 101.163 100.959 100.756 100.540 5.125 101.741 101.538 101.334 101.118 4.625 100.097 99.915 99.733 99.538 5.125 101.741 101.538 101.334 101.118 5.250 102.241 102.038 101.834 101.618 4.750 100.753 100.571 100.389 100.194 5.250 102.241 102.038 101.834 101.618 5.375 102.491 102.288 102.084 101.868 4.875 101.347 101.165 100.983 100.788 5.375 102.491 102.288 102.084 101.868 5.500 102.616 102.413 102.209 101.993 5.000 101.941 101.759 101.576 101.382 5.500 102.616 102.413 102.209 101.993 PHL JUMBO 5/1 ARM PHL JUMBO 7/1 ARM PHL JUMBO 10/1 ARM 3.750 98.244 98.067 97.890 97.701 3.875 97.485 97.302 97.120 96.926 4.125 97.784 97.591 97.399 97.193 3.875 98.775 98.598 98.421 98.232 4.000 98.172 97.990 97.808 97.613 4.250 98.472 98.279 98.086 97.881 4.000 99.307 99.130 98.953 98.764 4.125 98.860 98.677 98.495 98.301 4.375 99.128 98.935 98.743 98.537 4.125 99.838 99.661 99.484 99.295 4.250 99.485 99.302 99.120 98.926 4.500 99.784 99.591 99.399 99.193 4.250 100.369 100.192 100.015 99.826 4.375 100.110 99.927 99.745 99.551 4.625 100.440 100.248 100.055 99.849 4.375 100.900 100.723 100.546 100.357 4.500 100.719 100.537 100.354 100.160 4.750 101.065 100.873 100.680 100.474 4.500 101.275 101.098 100.921 100.732 4.625 101.281 101.099 100.917 100.722 4.875 101.597 101.404 101.211 101.006 4.625 101.650 101.473 101.296 101.107 4.750 101.750 101.568 101.386 101.191 5.000 102.128 101.935 101.743 101.537 4.750 102.025 101.848 101.671 101.482 4.875 102.219 102.037 101.854 101.660 5.125 102.659 102.466 102.274 102.068 4.875 102.400 102.223 102.046 101.857 5.000 102.688 102.505 102.323 102.129 5.250 103.034 102.841 102.649 102.443 PHL JUMBO LLPA'S LTV/CLTV/HLTV/FICO Price Adjustments Other Adjustments <=1.0MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 State <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.500 0.375 0.250 0.000 (0.250) N/A FL 0.000 0.000 0.000 (0.125) (0.250) N/A 760-799 0.500 0.375 0.000 0.000 (0.375) N/A NV 0.000 0.000 0.000 (0.125) (0.250) N/A 740-759 0.375 0.250 (0.125) (0.250) (0.500) N/A AZ 0.000 0.000 0.000 (0.125) (0.250) N/A 720-739 0.250 0.125 (0.250) (0.500) (0.625) N/A CA (0.375) (0.375) (0.375) (0.500) (0.500) N/A 700-719 (0.750) (0.875) (1.125) (1.250) N/A N/A TX 0.000 0.000 0.000 0.000 0.000 N/A 680-699 N/A N/A N/A N/A N/A N/A Non-CA 0.000 0.000 0.000 0.000 0.000 N/A <=1.5MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Property Type <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.500 0.250 0.125 0.000 (0.375) N/A 2 Units (0.500) (0.500) (0.500) (0.750) (1.125) NA 760-799 0.500 0.250 (0.125) 0.000 (0.500) N/A Condo (0.250) (0.250) (0.250) (0.375) N/A NA 740-759 0.375 0.250 (0.125) (0.250) (0.750) N/A 2nd Home (700+) <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 720-739 0.250 0.125 (0.250) (0.625) (0.875) N/A 1 Unit (0.125) (0.250) (0.500) (1.000) N/A N/A 700-719 N/A N/A N/A N/A N/A N/A Purpose <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 680-699 N/A N/A N/A N/A N/A N/A Purchase 0.375 0.375 0.375 0.375 0.375 NA <=2.0MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Cashout (0.375) (0.375) (0.625) N/A N/A N/A 800+ 0.375 0.250 0.000 (0.375) (0.500) N/A Miscellaneous <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 760-799 0.375 0.250 (0.125) (0.375) (0.625) N/A Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) N/A 740-759 0.250 0.125 (0.125) (0.500) (0.875) N/A DTI <=43 0.000 0.000 0.000 0.000 0.000 N/A 720-739 0.125 0.000 (0.250) (0.750) (1.250) N/A DTI > 43 N/A N/A N/A N/A N/A N/A 700-719 N/A N/A N/A N/A N/A N/A IO N/A N/A N/A N/A N/A N/A 680-699 N/A N/A N/A N/A N/A N/A Investor (1.250) N/A N/A N/A N/A N/A <=2.5MM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 800+ 0.125 (0.125) N/A N/A N/A N/A Price Caps Loan Type Caps Margin 760-799 0.125 (0.125) N/A N/A N/A N/A Fixed 102.000 5/1 ARM 2/2/5 225 740-759 N/A N/A N/A N/A N/A N/A ARMs 101.000 7/1 ARM 5/2/5 225 720-739 N/A N/A N/A N/A N/A N/A 10/1 ARM 5/2/5 225 700-719 N/A N/A N/A N/A N/A N/A 680-699 N/A N/A N/A N/A N/A N/A Jumbo Rate Extension & Relock Fees Jumbo Rate Extension & Relock Policy 5 Day Extension 10 Day Extension 15 Day Extension 20 Day Extension (0.075) (0.150) (0.225) (0.300) Relocks subject to worst case pricing Maximum 2 Extensions Maximum combined extension total of 30 days 30 Day Extension Relock Fee (0.450) (0.250) Rate sheets are intended for use by mortgage professionals only. 5 of 8

PHL NON-QM PRODUCTS PHL NON-QM 30 YEAR FIXED PHL NON-QM 5/1 ARM PHL NON-QM 7/1 ARM RATE 15 Day 30 DAY 45 DAY 60 DAY RATE 15 Day 30 DAY 45 DAY 60 DAY RATE 15 Day 30 DAY 45 DAY 60 DAY 5.250 98.610 98.460 98.310 N/A 5.000 99.110 98.960 98.810 N/A 5.000 98.730 98.580 98.430 N/A 5.375 98.920 98.770 98.620 N/A 5.125 99.420 99.270 99.120 N/A 5.125 99.040 98.890 98.740 N/A 5.500 99.230 99.080 98.930 N/A 5.250 99.730 99.580 99.430 N/A 5.250 99.350 99.200 99.050 N/A 5.625 99.550 99.400 99.250 N/A 5.375 100.050 99.900 99.750 N/A 5.375 99.670 99.520 99.370 N/A 5.750 99.860 99.710 99.560 N/A 5.500 100.360 100.210 100.060 N/A 5.500 99.980 99.830 99.680 N/A 5.875 100.170 100.020 99.870 N/A 5.625 100.670 100.520 100.370 N/A 5.625 100.290 100.140 99.990 N/A 6.000 100.480 100.330 100.180 N/A 5.750 100.980 100.830 100.680 N/A 5.750 100.600 100.450 100.300 N/A 6.125 100.800 100.650 100.500 N/A 5.875 101.300 101.150 101.000 N/A 5.875 100.920 100.770 100.620 N/A 6.250 101.050 100.900 100.750 N/A 6.000 101.610 101.460 101.310 N/A 6.000 101.230 101.080 100.930 N/A 6.375 101.300 101.150 101.000 N/A 6.125 101.920 101.770 101.620 N/A 6.125 101.540 101.390 101.240 N/A 6.500 101.550 101.400 101.250 N/A 6.250 102.170 102.020 101.870 N/A 6.250 101.790 101.640 101.490 N/A 6.625 101.800 101.650 101.500 N/A 6.375 102.420 102.270 102.120 N/A 6.375 102.040 101.890 101.740 N/A 6.750 102.050 101.900 101.750 N/A 6.500 102.670 102.520 102.370 N/A 6.500 102.290 102.140 101.990 N/A 6.875 102.300 102.150 102.000 N/A 6.625 102.920 102.770 102.620 N/A 6.625 102.540 102.390 102.240 N/A 7.000 102.550 102.400 102.250 N/A 6.750 103.170 103.020 102.870 N/A 6.750 102.790 102.640 102.490 N/A 7.125 102.800 102.650 102.500 N/A 6.875 103.420 103.270 103.120 N/A 6.875 103.040 102.890 102.740 N/A 7.250 103.050 102.900 102.750 N/A 7.000 103.670 103.520 103.370 N/A 7.000 103.290 103.140 102.990 N/A 7.375 103.300 103.150 103.000 N/A 7.125 103.920 103.770 103.620 N/A 7.125 103.540 103.390 103.240 N/A 7.500 103.550 103.400 103.250 N/A 7.250 104.170 104.020 103.870 N/A 7.250 103.790 103.640 103.490 N/A 7.625 103.800 103.650 103.500 N/A 7.375 104.420 104.270 104.120 N/A 7.375 104.040 103.890 103.740 N/A 7.750 104.050 103.900 103.750 N/A 7.500 104.670 104.520 104.370 N/A 7.500 104.290 104.140 103.990 N/A 7.875 104.300 104.150 104.000 N/A 7.625 104.920 104.770 104.620 N/A 7.625 104.540 104.390 104.240 N/A 8.000 104.550 104.400 104.250 N/A 7.750 105.170 105.020 104.870 N/A 7.750 104.790 104.640 104.490 N/A 8.125 104.800 104.650 104.500 N/A 7.875 105.420 105.270 105.120 N/A 7.875 105.040 104.890 104.740 N/A 8.250 105.050 104.900 104.750 N/A 8.000 105.670 105.520 105.370 N/A 8.000 105.290 105.140 104.990 N/A 8.375 105.300 105.150 105.000 N/A 8.125 105.920 105.770 105.620 N/A 8.125 105.540 105.390 105.240 N/A 8.500 105.550 105.400 105.250 N/A 8.250 106.170 106.020 105.870 N/A 8.250 105.790 105.640 105.490 N/A 8.625 105.800 105.650 105.500 N/A 8.375 106.420 106.270 106.120 N/A 8.375 106.040 105.890 105.740 N/A 8.750 106.050 105.900 105.750 N/A 8.500 106.670 106.520 106.370 N/A 8.500 106.290 106.140 105.990 N/A 8.875 106.300 106.150 106.000 N/A 8.625 106.920 106.770 106.620 N/A 8.625 106.540 106.390 106.240 N/A 9.000 106.550 106.400 106.250 N/A 8.750 107.170 107.020 106.870 N/A 8.750 106.790 106.640 106.490 N/A 9.125 106.800 106.650 106.500 N/A 8.875 107.420 107.270 107.120 N/A 8.875 107.040 106.890 106.740 N/A 9.250 107.050 106.900 106.750 N/A 9.000 107.670 107.520 107.370 N/A 9.000 107.290 107.140 106.990 N/A 9.375 107.300 107.150 107.000 N/A 9.125 107.920 107.770 107.620 N/A 9.125 107.540 107.390 107.240 N/A 9.500 107.550 107.400 107.250 N/A 9.250 108.170 108.020 107.870 N/A 9.250 107.790 107.640 107.490 N/A 9.625 107.800 107.650 107.500 N/A 9.375 108.420 108.270 108.120 N/A 9.375 108.040 107.890 107.740 N/A 9.750 108.050 107.900 107.750 N/A 9.500 108.670 108.520 108.370 N/A 9.500 108.290 108.140 107.990 N/A 9.625 108.920 108.770 108.620 N/A 9.625 108.540 108.390 108.240 N/A 9.750 109.170 109.020 108.870 N/A 9.750 108.790 108.640 108.490 N/A Program Notes Min Loan Amt Max Loan Amt Max Price after LLPA's - FIXED Max Price after LLPA's - ARM ARM Characteristics 100k Index Caps Margin 2.5mm 5/1 ARM 1Y LIBOR 2/2/5 5.000 104.250 7/1 ARM 1Y LIBOR 5/2/5 5.000 103.250 Fees - Non-QM Policy - Non-QM 5 Day Extension 10 Day Extension -0.075-0.150 Relocks subject to worst case pricing 15 Day Extension -0.225 Maximum 2 Extensions 20 Day Extension -0.300 Maximum combined extension total of 30 days 30 Day Extension Relock Fee -0.450-0.250 Rate sheets are intended for use by mortgage professionals only. 6 of 8

PHL NON-QM PRODUCTS LLPA's No Credit Event 0x30 Mtg Seasoned Credit Event* (2-7 Yrs) 0x60 Mrtg Recent Credit Event* (<2 Yrs) 0x90 Mrtg Full Doc - 2 Years Tax Return LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 720+ 1.625 1.625 1.500 0.875 0.375 (0.750) (2.125) 700-719 1.375 1.375 1.125 0.750 0.250 (1.125) (2.625) 680-699 1.375 1.250 0.625 0.250 (0.250) (2.000) (3.625) 660-679 0.875 0.875 0.500 0.000 (0.875) (2.250) N/A 640-659 0.375 0.000 (0.250) (1.125) (2.125) N/A N/A 620-639 (0.125) (0.375) (1.000) (2.125) (3.125) N/A N/A 600-619 (2.125) (2.375) (3.000) (3.625) (4.500) N/A N/A 580-599 (3.125) (3.375) (4.000) (4.625) (5.500) N/A N/A 720+ 1.500 1.125 0.875 0.750 0.125 (0.875) (2.250) 700-719 1.375 1.000 0.750 0.375 (0.250) (1.250) (2.750) 680-699 1.125 0.750 0.125 0.000 (0.750) (2.125) (3.750) 660-679 0.625 0.500 0.000 (0.625) (1.125) (2.375) N/A 640-659 0.125 (0.250) (0.500) (1.375) (2.375) N/A N/A 620-639 (0.375) (0.625) (1.250) (2.375) (3.375) N/A N/A 600-619 (2.375) (2.625) (3.250) (3.875) (4.750) N/A N/A 580-599 (3.375) (3.625) (4.250) (4.875) (5.750) N/A N/A 720+ (0.500) (0.500) (0.500) (1.250) (1.875) N/A N/A 700-719 (0.750) (0.750) (0.750) (1.375) (2.000) N/A N/A 680-699 (1.000) (1.000) (1.375) (2.000) (2.500) N/A N/A 660-679 (1.500) (1.500) (1.750) (2.750) (3.250) N/A N/A 640-659 (1.500) (1.750) (1.875) (3.000) (4.250) N/A N/A 620-639 (2.500) (2.625) (2.750) (4.375) (5.000) N/A N/A 600-619 (4.375) (4.500) (4.875) (5.750) (7.000) N/A N/A 580-599 (5.375) (5.500) (5.875) (6.750) (8.000) N/A N/A QM Loan DTI > 43% 680+ FICO DTI > 43% <680 FICO DTI > 50% UPB <= 250K UPB > 1.5mm Cash Out / Debt Consolidation Investor Second Home Condo Non-Warrantable Condo 2-4 Unit Property Full Doc - 2 Years Tax Return LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.000 0.000 0.000 0.000 0.000 (0.250) N/A (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) N/A (0.500) (0.500) (0.500) (0.500) N/A N/A N/A (0.500) (0.500) (0.750) (0.750) (0.750) (1.000) (1.000) (0.750) (0.750) (0.750) (0.750) (1.000) N/A N/A (0.250) (0.375) (0.750) (0.750) (1.250) (1.750) N/A (1.000) (1.000) (1.500) (2.250) N/A N/A N/A (0.500) (0.750) (1.000) (1.000) (1.000) N/A N/A (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) N/A (0.750) (1.000) (1.500) (1.750) (2.000) N/A N/A (0.125) (0.125) (0.125) (0.250) (0.250) (0.250) (0.250) (0.875) (1.375) (1.500) N/A N/A N/A N/A Foreign National** *Credit Event includes Short Sale, Deed-in-Lieu, Foreclosure, Modification. BK requires 1 year of aging **Treat as 660 FICO No Credit Event 0x30 Mtg Seasoned Credit Event* (2-7 Yrs) 0x60 Mrtg Recent Credit Event* (<2 Yrs) 0x90 Mrtg Alt Doc - Bank Statements (24 Month Business or Personal) LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 720+ 1.375 1.125 0.500 (0.125) (0.625) (1.750) N/A 700-719 1.125 0.875 0.125 (0.250) (0.750) (2.125) N/A 680-699 1.125 0.750 (0.375) (0.750) (1.250) (3.000) N/A 660-679 0.375 0.125 (0.750) (1.250) (2.125) N/A N/A 640-659 (0.250) (1.000) (1.625) (2.500) (3.500) N/A N/A 620-639 (0.750) (1.250) (2.500) (2.875) (4.500) N/A N/A 600-619 N/A N/A N/A N/A N/A N/A N/A 580-599 N/A N/A N/A N/A N/A N/A N/A 720+ 1.250 0.625 (0.125) (0.250) (0.875) (1.875) N/A 700-719 1.125 0.500 (0.250) (0.625) (1.250) (2.250) N/A 680-699 0.875 0.000 (1.125) (1.250) (2.000) (3.125) N/A 660-679 0.125 (0.250) (1.250) (1.875) (2.375) N/A N/A 640-659 (0.375) (1.000) (1.750) (2.625) (3.625) N/A N/A 620-639 (0.875) (1.375) (2.500) (3.625) (4.625) N/A N/A 600-619 N/A N/A N/A N/A N/A N/A N/A 580-599 N/A N/A N/A N/A N/A N/A N/A 720+ (0.750) (1.000) (1.500) (2.250) (2.875) N/A N/A 700-719 (1.000) (1.250) (1.750) (2.375) (3.000) N/A N/A 680-699 (1.250) (1.500) (2.000) (3.000) (3.500) N/A N/A 660-679 (2.000) (2.250) (3.000) (4.000) (4.500) N/A N/A 640-659 (2.000) (2.500) (3.125) (4.250) (5.500) N/A N/A 620-639 N/A N/A N/A N/A N/A N/A N/A 600-619 N/A N/A N/A N/A N/A N/A N/A 580-599 N/A N/A N/A N/A N/A N/A N/A DTI > 43% 680+ FICO DTI > 43% <680 FICO DTI > 50% UPB <= 250K UPB > 1.5mm Cash Out / Debt Consolidation Investor Second Home Condo Non-Warrantable Condo 2-4 Unit Property Alt Doc - Bank Statements (24 Month Business or Personal) LLPAs for LTV/CLTV < 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 0.000 0.000 0.000 0.000 0.000 N/A N/A (0.375) (0.375) (0.375) (0.375) (0.375) N/A N/A (0.500) (0.500) (0.500) (0.500) N/A N/A N/A (0.500) (0.500) (0.750) (0.750) (0.750) (1.000) N/A (0.750) (0.750) (0.750) (0.750) N/A N/A N/A (0.250) (0.375) (0.750) (0.750) (1.250) N/A N/A (2.500) (2.500) (2.750) N/A N/A N/A N/A (0.500) (0.750) (1.000) (1.000) N/A N/A N/A (0.250) (0.500) (0.500) (0.500) (0.500) N/A N/A (0.750) (1.000) (1.500) (1.750) N/A N/A N/A (0.125) (0.125) (0.125) (0.250) (0.250) (0.250) N/A (0.875) (1.375) (1.500) N/A N/A N/A N/A Foreign National*** *Express Documention : 1 Yr Tax Return +PnL since last tax filing **Credit Event includes Short Sale, Deed-in-Lieu, Foreclosure, Modification. BK requires 1 year of aging ***Treat as 660 FICO Rate sheets are intended for use by mortgage professionals only. 7 of 8

Adjustment REGION 1: AK,AR, AZ, CA, CT, CO, DC, FL, GA, HI, IA, IL, IN, KY, LA, MA, MD, MI, MO, NE, NH, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, NY 0.000 REGION 2: AL, DE, KS, ME, MN, MS, MT, NC, NM, VT, WV -0.125 REGION 3: ID, ND, PR*, RI, SD, WY -0.250 REGION 4: N/A *PR lending only available on a case by case basis contact your RSM for details. FEES Prior Approval: $495 <= 7 days Delegated: $295 8-15 Days FHA Streamline $295 16-30 Days FHA 203k Supplemental Origination Fee Collected at Purchase MERS Organization ID 1006543 Planet Home Lending Custodian STATE ADJUSTMENTS (All Products) Conventional & Government Lock Extensions Wells Fargo Bank N.A. Planet Home Lending, LLC Attn: PLNT Review Team 10025 Governor Warfield Parkway, Suite 301 751 Kasota Avenue, Suite MDC Columbia, MD 21044-3330 Mail Code MAC N9328-010 Attn: Correspondent Trailing Documents Minneapolis, MN 55414 Rates, fees, and programs are subject to change without notice. Information is intended for Mortgage Professionals only, and not for distribution to consumers, as defined by Section 226.2 of Reg Z which implements the Truth In Lending Act. All pricing and lock requests subject to confirmation and does not commit Planet Home Lending to purchase any loan. Planet Home Lending, LLC NMLS #17022-0.125-0.250-0.500 Note Endorsement or Allonge Pay to the order of Planet Home Lending, LLC Without Recourse (Seller) (Signature of Officer) (Officer's Name and Title) Delivery of Final / Trailing Docs Rate sheets are intended for use by mortgage professionals only. 8 of 8