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 98.104 98.054 98.010 97.965 3.750 98.074 98.018 97.959 97.905 3.125 97.528 97.486 97.447 97.408 4.125 98.756 98.706 98.662 98.617 3.875 98.692 98.636 98.577 98.523 3.250 98.271 98.206 98.136 98.068 4.250 99.549 99.491 99.438 99.387 4.000 99.346 99.289 99.231 99.176 3.375 98.819 98.754 98.684 98.616 4.375 100.154 100.093 100.035 99.975 4.125 99.868 99.811 99.753 99.698 3.500 99.303 99.239 99.168 99.101 4.500 100.918 100.857 100.798 100.739 4.250 100.506 100.438 100.365 100.295 3.625 99.805 99.740 99.670 99.602 4.625 101.466 101.405 101.347 101.287 4.375 101.163 101.096 101.022 100.953 3.750 100.321 100.256 100.186 100.118 4.750 102.062 102.001 101.942 101.883 4.500 101.763 101.695 101.622 101.552 3.875 100.707 100.643 100.572 100.505 4.875 102.653 102.593 102.534 102.474 4.625 102.257 102.189 102.116 102.047 3.990 100.890 100.833 100.785 100.737 4.990 102.873 102.801 102.736 102.672 4.750 102.764 102.697 102.623 102.554 4.000 100.905 100.850 100.803 100.757 5.000 103.093 103.021 102.955 102.890 4.875 103.276 103.208 103.135 103.065 4.125 101.350 101.295 101.248 101.201 5.125 103.669 103.597 103.531 103.466 5.000 103.464 103.385 103.304 103.230 4.250 101.669 101.611 101.565 101.518 5.250 104.199 104.127 104.061 103.996 5.125 103.981 103.902 103.822 103.747 4.375 101.929 101.866 101.812 101.757 5.375 104.608 104.536 104.470 104.405 5.250 104.294 104.214 104.134 104.059 4.500 102.427 102.364 102.309 102.254 5.500 104.793 104.721 104.655 104.590 5.375 104.672 104.593 104.512 104.438 4.625 102.952 102.889 102.835 102.780 5.625 105.467 105.399 105.333 105.266 5.500 105.003 104.923 104.843 104.768 4.750 103.126 103.064 103.009 102.954 5.750 105.799 105.731 105.665 105.598 5.625 105.167 105.092 105.011 104.934 4.875 103.312 103.249 103.194 103.139 5.875 106.099 106.031 105.965 105.897 4.990 103.525 103.462 103.408 103.353 5.990 106.111 106.043 105.977 105.910 5.000 103.544 103.481 103.426 103.371 6.000 106.131 106.063 105.997 105.930 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 97.367 97.321 97.251 97.185 3.750 95.978 95.922 95.863 95.808 3.125 96.279 96.235 96.180 96.128 3.250 98.433 98.364 98.263 98.168 3.875 96.597 96.541 96.482 96.427 3.250 96.878 96.811 96.726 96.644 3.375 98.774 98.705 98.603 98.509 3.990 97.060 97.004 96.945 96.890 3.375 97.541 97.474 97.388 97.307 3.500 99.173 99.104 99.002 98.908 4.000 97.182 97.126 97.067 97.013 3.500 98.046 97.979 97.893 97.812 3.625 99.525 99.456 99.354 99.259 4.125 98.044 97.988 97.929 97.874 3.625 98.465 98.398 98.312 98.231 3.750 100.269 100.209 100.131 100.057 4.250 98.838 98.782 98.723 98.668 3.750 98.823 98.757 98.671 98.590 3.875 100.511 100.452 100.374 100.300 4.375 99.475 99.418 99.360 99.305 3.875 99.063 98.997 98.911 98.829 4.000 100.835 100.775 100.697 100.624 4.500 100.145 100.078 100.005 99.935 3.990 99.321 99.263 99.198 99.137 4.125 101.151 101.091 101.013 100.940 4.625 100.660 100.592 100.519 100.450 4.000 99.343 99.286 99.223 99.163 4.250 101.776 101.709 101.623 101.541 4.750 101.198 101.131 101.058 100.988 4.125 99.723 99.665 99.603 99.543 4.375 102.000 101.933 101.847 101.765 4.875 101.758 101.691 101.618 101.548 4.250 99.927 99.869 99.807 99.747 4.500 102.278 102.211 102.125 102.043 4.990 102.194 102.126 102.053 101.983 4.375 99.957 99.900 99.837 99.777 4.625 102.706 102.639 102.553 102.471 5.000 102.214 102.147 102.074 102.004 4.500 100.187 100.123 100.052 99.984 4.750 102.917 102.850 102.764 102.682 5.125 102.374 102.306 102.233 102.164 4.625 100.600 100.535 100.464 100.396 4.875 103.119 103.052 102.966 102.884 5.250 103.209 103.130 103.050 102.975 4.750 100.708 100.643 100.573 100.505 5.000 103.339 103.272 103.186 103.104 5.375 103.376 103.297 103.216 103.142 4.875 100.828 100.763 100.692 100.624 5.500 103.745 103.666 103.585 103.511 4.990 100.981 100.916 100.846 100.777 5.625 103.815 103.736 103.655 103.580 5.000 100.994 100.930 100.859 100.791 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 4.000 100.878 100.807 100.740 100.674 4.250 97.575 97.504 97.444 97.384 4.500 98.075 98.004 97.944 97.884 4.125 101.230 101.159 101.093 101.026 4.375 97.933 97.862 97.802 97.742 4.625 98.352 98.281 98.221 98.161 4.250 101.610 101.539 101.472 101.405 4.500 98.251 98.180 98.120 98.060 4.750 98.597 98.526 98.466 98.406 4.375 101.914 101.844 101.777 101.710 4.625 98.546 98.476 98.416 98.355 4.500 102.219 102.149 102.082 102.015 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 99.253 99.182 99.115 99.049 4.250 95.700 95.629 95.569 95.509 4.500 96.200 96.129 96.069 96.009 4.125 99.605 99.534 99.468 99.401 4.375 96.058 95.987 95.927 95.867 4.625 96.477 96.406 96.346 96.286 4.250 99.735 99.664 99.597 99.530 4.500 96.376 96.305 96.245 96.185 4.750 96.722 96.651 96.591 96.531 4.375 100.039 99.969 99.902 99.835 4.625 96.671 96.601 96.541 96.480 4.500 100.344 100.274 100.207 100.140 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 97.604 97.554 97.510 97.465 4.000 97.354 97.304 97.260 97.215 4.125 98.506 98.456 98.412 98.367 4.125 98.381 98.331 98.287 98.242 4.250 99.299 99.241 99.188 99.137 4.250 99.299 99.241 99.188 99.137 4.375 99.904 99.843 99.785 99.725 4.375 99.904 99.843 99.785 99.725 4.500 100.668 100.607 100.548 100.489 4.500 100.668 100.607 100.548 100.489 4.625 101.216 101.155 101.097 101.037 4.625 101.216 101.155 101.097 101.037 4.750 101.812 101.751 101.692 101.633 4.750 101.812 101.751 101.692 101.633 4.875 102.403 102.343 102.284 102.224 4.875 102.403 102.343 102.284 102.224 4.990 102.623 102.551 102.486 102.422 4.990 102.623 102.551 102.486 102.422 5.000 102.843 102.771 102.705 102.640 5.000 102.843 102.771 102.705 102.640 5.125 103.419 103.347 103.281 103.216 5.125 103.419 103.347 103.281 103.216 5.250 103.949 103.877 103.811 103.746 5.250 103.949 103.877 103.811 103.746 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 98.096 98.066 98.027 98.000 3.750 97.254 97.201 97.145 97.087 3.250 97.969 97.958 97.984 97.974 4.125 98.659 98.609 98.577 98.526 3.875 98.076 98.024 97.962 97.910 3.375 98.514 98.483 98.401 98.370 4.250 99.403 99.354 99.321 99.273 4.000 98.766 98.715 98.654 98.601 3.500 99.327 99.297 99.214 99.184 4.375 100.078 100.033 99.998 99.956 4.125 99.568 99.519 99.454 99.404 3.625 99.875 99.845 99.762 99.733 4.500 100.943 100.903 100.867 100.830 4.250 100.375 100.328 100.260 100.214 3.750 100.328 100.301 100.215 100.190 4.625 101.410 101.343 101.306 101.239 4.375 100.927 100.880 100.810 100.768 3.875 100.732 100.706 100.622 100.596 4.750 102.032 101.968 101.930 101.868 4.500 101.611 101.565 101.493 101.455 3.990 100.998 100.952 100.924 100.878 4.875 102.592 102.532 102.491 102.435 4.625 102.102 102.035 101.967 101.900 4.000 101.021 100.974 100.951 100.903 4.990 102.941 102.885 102.844 102.794 4.750 102.561 102.497 102.426 102.362 4.125 101.549 101.504 101.481 101.436 5.000 103.173 103.117 103.076 103.027 4.875 102.928 102.866 102.793 102.731 4.250 101.832 101.787 101.764 101.721 5.125 103.794 103.710 103.674 103.590 5.000 103.386 103.323 103.248 103.191 4.375 102.204 102.163 102.137 102.096 5.250 104.131 104.050 104.013 103.933 5.125 103.813 103.729 103.630 103.545 4.500 102.517 102.451 102.458 102.393 5.375 104.495 104.418 104.381 104.306 5.250 104.099 104.017 103.916 103.835 4.625 103.040 102.976 102.982 102.918 5.500 104.622 104.547 104.511 104.439 5.375 104.235 104.152 104.051 103.973 4.750 103.190 103.126 103.132 103.068 5.625 105.369 105.265 105.233 105.129 5.500 104.531 104.452 104.350 104.274 4.875 103.386 103.322 103.327 103.264 5.750 105.810 105.710 105.678 105.579 5.625 104.904 104.802 104.771 104.666 4.990 103.626 103.543 103.506 103.423 5.875 106.170 106.071 106.041 105.946 5.750 105.264 105.161 105.130 105.027 5.000 103.647 103.563 103.522 103.437 5.990 106.180 106.083 106.054 105.963 5.125 104.046 103.963 103.921 103.839 6.000 106.197 106.101 106.072 105.981 5.250 104.471 104.389 104.346 104.266 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 97.344 97.332 97.360 97.347 4.000 97.369 97.339 97.300 97.273 3.250 97.626 97.615 97.641 97.631 3.250 97.719 97.708 97.734 97.724 4.125 97.839 97.789 97.757 97.706 3.375 97.889 97.858 97.776 97.745 3.375 98.264 98.233 98.151 98.120 4.250 98.583 98.534 98.501 98.453 3.500 98.702 98.672 98.589 98.559 3.500 99.077 99.047 98.964 98.934 4.375 99.258 99.213 99.178 99.136 3.625 99.250 99.220 99.137 99.108 3.625 99.625 99.595 99.512 99.483 4.500 100.123 100.083 100.047 100.010 3.750 99.703 99.676 99.590 99.565 3.750 100.128 100.101 100.015 99.990 4.625 100.691 100.624 100.587 100.520 3.875 99.957 99.931 99.847 99.821 3.875 100.532 100.506 100.422 100.396 4.750 101.313 101.249 101.211 101.149 3.990 99.988 99.943 99.915 99.869 4.000 100.821 100.774 100.751 100.703 4.875 101.873 101.813 101.772 101.716 4.000 100.011 99.964 99.941 99.893 4.125 101.349 101.304 101.281 101.236 4.990 102.222 102.166 102.125 102.075 4.125 100.439 100.394 100.371 100.326 4.250 101.632 101.587 101.564 101.521 5.000 102.454 102.398 102.357 102.308 4.250 100.722 100.677 100.654 100.611 4.375 102.004 101.963 101.937 101.896 5.125 102.546 102.462 102.426 102.342 4.375 100.844 100.803 100.777 100.736 4.500 102.317 102.251 102.258 102.193 5.250 102.733 102.652 102.615 102.535 4.500 100.939 100.873 100.880 100.815 4.625 102.840 102.776 102.782 102.718 5.375 103.097 103.020 102.983 102.908 4.625 101.462 101.398 101.404 101.340 4.750 102.990 102.926 102.932 102.868 5.500 103.124 103.049 103.013 102.941 4.750 101.612 101.548 101.554 101.490 5.625 103.252 103.148 103.116 103.012 4.875 101.808 101.744 101.749 101.686 5.750 103.693 103.593 103.561 103.462 4.990 100.344 100.262 100.225 100.141 5.875 104.053 103.954 103.924 103.829 5.000 100.365 100.281 100.240 100.155 5.990 104.062 103.966 103.937 103.846 5.125 100.765 100.682 100.640 100.558 6.000 104.080 103.984 103.955 103.864 5.250 101.190 101.108 101.065 100.985 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 99.725 99.671 99.616 99.561 2.875 96.961 96.922 96.883 96.844 3.750 99.725 99.671 99.616 99.561 3.875 100.106 100.051 99.996 99.942 3.000 97.640 97.601 97.562 97.523 3.875 100.106 100.051 99.996 99.942 3.990 100.502 100.447 100.393 100.338 3.125 98.217 98.178 98.138 98.099 3.990 100.502 100.447 100.393 100.338 4.000 100.732 100.677 100.623 100.568 3.250 98.480 98.417 98.355 98.292 4.000 100.732 100.677 100.623 100.568 4.125 101.071 101.016 100.961 100.907 3.375 99.067 99.005 98.942 98.880 4.125 101.071 101.016 100.961 100.907 4.250 101.671 101.592 101.514 101.436 3.500 99.894 99.831 99.769 99.706 4.250 101.671 101.592 101.514 101.436 4.375 102.410 102.332 102.254 102.176 3.625 100.524 100.461 100.399 100.336 4.375 102.410 102.332 102.254 102.176 4.500 102.887 102.808 102.730 102.652 3.750 100.667 100.613 100.558 100.503 4.500 102.887 102.808 102.730 102.652 4.625 103.357 103.279 103.201 103.123 3.875 101.271 101.216 101.162 101.107 4.625 103.357 103.279 103.201 103.123 4.750 103.738 103.652 103.566 103.480 4.000 101.445 101.390 101.335 101.281 4.750 103.738 103.652 103.566 103.480 4.875 104.111 104.025 103.940 103.854 4.125 101.595 101.540 101.486 101.431 4.875 104.111 104.025 103.940 103.854 4.990 104.470 104.384 104.298 104.212 4.250 102.865 102.795 102.725 102.654 4.990 104.470 104.384 104.298 104.212 5.000 104.630 104.544 104.458 104.372 4.375 102.908 102.837 102.767 102.697 5.000 104.630 104.544 104.458 104.372 5.125 105.027 104.941 104.855 104.769 4.500 103.379 103.309 103.238 103.168 5.125 105.027 104.941 104.855 104.769 5.250 105.054 104.976 104.898 104.820 4.625 103.813 103.743 103.673 103.602 5.250 105.054 104.976 104.898 104.820 5.375 105.190 105.112 105.033 104.955 5.375 105.190 105.112 105.033 104.955 5.500 105.554 105.476 105.398 105.319 5.500 105.554 105.476 105.398 105.319 5.625 105.933 105.855 105.777 105.698 5.625 105.933 105.855 105.777 105.698 5.750 106.321 106.267 106.212 106.157 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 98.737 98.682 98.627 98.573 2.875 95.743 95.703 95.664 95.625 3.750 97.725 97.671 97.616 97.561 3.875 99.117 99.062 99.008 98.953 3.000 96.421 96.382 96.343 96.304 3.875 98.106 98.051 97.996 97.942 3.990 99.513 99.459 99.404 99.349 3.125 96.998 96.959 96.920 96.881 3.990 98.502 98.447 98.393 98.338 4.000 99.683 99.629 99.574 99.519 3.250 97.261 97.198 97.136 97.073 4.000 98.732 98.677 98.623 98.568 4.125 99.902 99.847 99.793 99.738 3.375 97.849 97.786 97.724 97.661 4.125 99.071 99.016 98.961 98.907 4.250 100.477 100.399 100.321 100.242 3.500 98.575 98.512 98.450 98.387 4.250 99.671 99.592 99.514 99.436 4.375 101.117 101.039 100.960 100.882 3.625 99.155 99.093 99.030 98.968 4.375 100.410 100.332 100.254 100.176 4.500 101.593 101.515 101.437 101.358 3.750 99.322 99.267 99.212 99.158 4.500 100.887 100.808 100.730 100.652 4.625 102.103 102.025 101.947 101.869 3.875 99.626 99.571 99.516 99.462 4.625 101.357 101.279 101.201 101.123 4.750 102.257 102.171 102.085 101.999 4.000 99.659 99.604 99.550 99.495 4.750 101.738 101.652 101.566 101.480 4.875 102.735 102.649 102.563 102.477 4.125 99.790 99.735 99.680 99.626 4.875 102.111 102.025 101.940 101.854 4.990 103.014 102.928 102.842 102.756 4.250 101.084 101.014 100.943 100.873 4.990 102.470 102.384 102.298 102.212 5.000 103.174 103.088 103.002 102.916 4.375 101.126 101.056 100.986 100.915 5.000 102.630 102.544 102.458 102.372 5.125 103.276 103.190 103.104 103.018 4.500 101.248 101.177 101.107 101.037 5.125 103.027 102.941 102.855 102.769 5.250 103.577 103.499 103.420 103.342 4.625 101.782 101.712 101.641 101.571 5.250 103.054 102.976 102.898 102.820 5.375 103.692 103.614 103.536 103.458 5.375 103.190 103.112 103.033 102.955 5.500 104.046 103.968 103.890 103.812 5.500 103.554 103.476 103.398 103.319 5.625 104.515 104.437 104.359 104.281 5.625 103.933 103.855 103.777 103.698 5.750 105.099 105.044 104.989 104.935 5.750 104.321 104.267 104.212 104.157 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 98.221 98.096 97.971 97.846 2.250 96.554 96.429 96.304 96.179 2.875 98.615 98.490 98.365 98.240 2.375 96.823 96.698 96.573 96.448 3.000 98.877 98.752 98.627 98.502 2.500 97.084 96.959 96.834 96.709 3.125 99.129 99.004 98.879 98.754 2.625 97.356 97.231 97.106 96.981 3.250 99.622 99.497 99.372 99.247 2.750 97.518 97.393 97.268 97.143 3.375 99.880 99.755 99.630 99.505 2.875 97.775 97.650 97.525 97.400 3.500 100.107 99.982 99.857 99.732 3.000 98.023 97.898 97.773 97.648 3.625 100.309 100.184 100.059 99.934 3.125 98.283 98.158 98.033 97.908 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 98.698 98.643 98.589 98.534 3.750 97.709 97.655 97.600 97.545 3.875 99.078 99.024 98.969 98.914 3.875 98.090 98.035 97.980 97.926 3.990 99.475 99.420 99.365 99.311 3.990 98.486 98.431 98.377 98.322 4.000 99.705 99.650 99.595 99.541 4.000 98.656 98.601 98.547 98.492 4.125 100.044 99.989 99.934 99.879 4.125 98.875 98.820 98.765 98.711 4.250 100.643 100.565 100.487 100.409 4.250 99.449 99.371 99.293 99.215 4.375 101.383 101.305 101.227 101.149 4.375 100.089 100.011 99.933 99.855 4.500 101.859 101.781 101.703 101.625 4.500 100.566 100.487 100.409 100.331 4.625 102.330 102.252 102.173 102.095 4.625 101.076 100.998 100.920 100.842 4.750 102.711 102.625 102.539 102.453 4.750 101.230 101.144 101.058 100.972 4.875 103.084 102.998 102.912 102.826 4.875 101.708 101.622 101.536 101.450 4.990 103.443 103.357 103.271 103.185 4.990 101.987 101.901 101.815 101.729 5.000 103.603 103.517 103.431 103.345 5.000 102.147 102.061 101.975 101.889 5.125 104.000 103.914 103.828 103.742 5.125 102.249 102.163 102.077 101.991 5.250 104.027 103.949 103.871 103.793 5.250 102.549 102.471 102.393 102.315 5.375 104.162 104.084 104.006 103.928 5.375 102.665 102.587 102.509 102.431 5.500 104.527 104.448 104.370 104.292 5.500 103.019 102.941 102.863 102.785 5.625 104.905 104.827 104.749 104.671 5.625 103.488 103.410 103.332 103.254 5.750 105.294 105.239 105.185 105.130 5.750 104.072 104.017 103.962 103.907 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 97.531 97.328 97.125 96.908 3.875 96.127 95.945 95.763 95.568 4.375 97.531 97.328 97.125 96.908 4.500 98.344 98.141 97.938 97.721 4.000 96.815 96.632 96.450 96.256 4.500 98.344 98.141 97.938 97.721 4.625 99.156 98.953 98.750 98.533 4.125 97.502 97.320 97.138 96.943 4.625 99.156 98.953 98.750 98.533 4.750 99.906 99.703 99.500 99.283 4.250 98.158 97.976 97.794 97.599 4.750 99.906 99.703 99.500 99.283 4.875 100.656 100.453 100.250 100.033 4.375 98.815 98.632 98.450 98.256 4.875 100.656 100.453 100.250 100.033 5.000 101.313 101.109 100.906 100.690 4.500 99.471 99.289 99.106 98.912 5.000 101.313 101.109 100.906 100.690 5.125 101.891 101.688 101.484 101.268 4.625 100.127 99.945 99.763 99.568 5.125 101.891 101.688 101.484 101.268 5.250 102.453 102.250 102.047 101.830 4.750 100.783 100.601 100.419 100.224 5.250 102.453 102.250 102.047 101.830 5.375 102.828 102.625 102.422 102.205 4.875 101.377 101.195 101.013 100.818 5.375 102.828 102.625 102.422 102.205 5.500 102.953 102.750 102.547 102.330 5.000 101.971 101.789 101.606 101.412 5.500 102.953 102.750 102.547 102.330 PHL JUMBO 5/1 ARM PHL JUMBO 7/1 ARM PHL JUMBO 10/1 ARM 3.750 98.254 98.077 97.900 97.711 3.875 97.427 97.245 97.063 96.868 4.125 97.729 97.536 97.344 97.138 3.875 98.785 98.608 98.431 98.242 4.000 98.115 97.932 97.750 97.556 4.250 98.417 98.224 98.031 97.826 4.000 99.317 99.140 98.963 98.774 4.125 98.802 98.620 98.438 98.243 4.375 99.073 98.880 98.688 98.482 4.125 99.848 99.671 99.494 99.305 4.250 99.458 99.276 99.094 98.899 4.500 99.729 99.536 99.344 99.138 4.250 100.379 100.202 100.025 99.836 4.375 100.115 99.932 99.750 99.556 4.625 100.385 100.193 100.000 99.794 4.375 100.910 100.733 100.556 100.367 4.500 100.724 100.542 100.359 100.165 4.750 101.010 100.818 100.625 100.419 4.500 101.285 101.108 100.931 100.742 4.625 101.286 101.104 100.922 100.727 4.875 101.542 101.349 101.156 100.951 4.625 101.660 101.483 101.306 101.117 4.750 101.755 101.573 101.391 101.196 5.000 102.073 101.880 101.688 101.482 4.750 102.035 101.858 101.681 101.492 4.875 102.224 102.042 101.859 101.665 5.125 102.604 102.411 102.219 102.013 4.875 102.410 102.233 102.056 101.867 5.000 102.693 102.510 102.328 102.134 5.250 102.979 102.786 102.594 102.388 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 15 Day Extension 20 Day Extension 30 Day Extension Relock Fee -0.075-0.150-0.225-0.300-0.450-0.250 Relocks subject to worst case pricing Maximum 2 Extensions Maximum combined extension total of 30 days 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

STATE ADJUSTMENTS (All Products) 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 Conventional & Government Lock Extensions -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 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 Rate sheets are intended for use by mortgage professionals only. 8 of 8