FANNIE MAE CONVENTIONAL PRODUCTS

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 99.433 99.376 99.317 99.260 3.750 99.150 99.081 99.006 98.946 3.125 98.315 98.277 98.235 98.199 4.125 100.067 100.010 99.952 99.895 3.875 99.762 99.693 99.618 99.558 3.250 98.963 98.909 98.859 98.810 4.250 100.652 100.592 100.533 100.476 4.000 100.399 100.330 100.255 100.195 3.375 99.390 99.335 99.285 99.237 4.375 101.289 101.221 101.154 101.084 4.125 100.895 100.826 100.751 100.691 3.500 99.917 99.863 99.813 99.765 4.500 101.942 101.875 101.808 101.738 4.250 101.698 101.619 101.535 101.463 3.625 100.487 100.433 100.383 100.334 4.625 102.606 102.538 102.471 102.401 4.375 102.153 102.074 101.990 101.917 3.750 100.792 100.738 100.688 100.635 4.750 103.156 103.088 103.021 102.951 4.500 102.720 102.640 102.557 102.484 3.875 101.176 101.122 101.072 101.019 4.875 103.672 103.605 103.538 103.468 4.625 103.199 103.120 103.036 102.963 3.990 101.578 101.523 101.473 101.421 4.990 103.819 103.752 103.685 103.615 4.750 103.602 103.522 103.438 103.366 4.000 101.612 101.558 101.508 101.455 5.000 104.076 104.009 103.942 103.871 4.875 103.954 103.874 103.791 103.718 4.125 102.161 102.107 102.057 102.004 5.125 104.674 104.598 104.523 104.445 5.000 104.333 104.247 104.156 104.083 4.250 102.342 102.288 102.238 102.185 5.250 105.046 104.971 104.896 104.818 5.125 104.880 104.792 104.700 104.620 4.375 102.649 102.578 102.497 102.430 5.375 105.409 105.333 105.258 105.180 5.250 105.165 105.077 104.985 104.905 4.500 103.056 102.977 102.877 102.780 5.500 105.821 105.745 105.670 105.592 5.375 105.603 105.515 105.423 105.343 4.625 103.614 103.536 103.435 103.338 5.625 106.045 105.970 105.894 105.816 5.500 105.964 105.876 105.784 105.704 4.750 103.693 103.615 103.515 103.418 5.750 106.629 106.519 106.402 106.288 5.625 106.200 106.093 105.980 105.897 4.875 104.008 103.930 103.829 103.732 5.875 106.894 106.784 106.667 106.553 4.990 104.262 104.184 104.083 103.987 5.990 107.117 107.007 106.890 106.776 5.000 104.285 104.206 104.106 104.009 6.000 107.137 107.027 106.910 106.795 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 98.539 98.487 98.412 98.360 3.750 97.342 97.280 97.213 97.161 3.125 97.071 97.027 96.968 96.924 3.250 99.065 98.997 98.913 98.849 3.875 98.148 98.087 98.020 97.968 3.250 97.827 97.767 97.700 97.643 3.375 99.408 99.340 99.256 99.192 3.990 98.402 98.341 98.274 98.222 3.375 98.222 98.161 98.094 98.038 3.500 99.820 99.753 99.669 99.605 4.000 98.516 98.454 98.387 98.335 3.500 98.699 98.638 98.571 98.515 3.625 100.174 100.106 100.022 99.958 4.125 99.167 99.097 99.022 98.963 3.625 99.139 99.078 99.012 98.955 3.750 100.963 100.902 100.835 100.775 4.250 100.183 100.114 100.039 99.979 3.750 99.320 99.259 99.192 99.136 3.875 101.216 101.156 101.089 101.028 4.375 100.787 100.718 100.643 100.583 3.875 99.640 99.580 99.513 99.452 4.000 101.524 101.463 101.396 101.336 4.500 101.147 101.074 100.999 100.940 3.990 100.019 99.958 99.892 99.831 4.125 101.840 101.779 101.712 101.652 4.625 101.773 101.693 101.610 101.537 4.000 100.052 99.991 99.925 99.864 4.250 102.220 102.128 101.994 101.886 4.750 102.086 102.007 101.923 101.850 4.125 100.489 100.428 100.361 100.301 4.375 102.460 102.368 102.234 102.122 4.875 102.576 102.496 102.412 102.340 4.250 100.603 100.542 100.475 100.415 4.500 102.746 102.654 102.520 102.408 4.990 102.963 102.883 102.800 102.727 4.375 100.752 100.691 100.624 100.563 4.625 103.175 103.083 102.949 102.836 5.000 102.976 102.897 102.813 102.740 4.500 100.857 100.796 100.729 100.669 4.750 103.346 103.255 103.121 103.008 5.125 103.095 103.016 102.932 102.859 4.625 101.223 101.137 101.020 100.916 4.875 103.518 103.426 103.292 103.179 5.250 103.800 103.712 103.620 103.540 4.750 101.266 101.181 101.063 100.959 5.000 103.713 103.621 103.487 103.375 5.375 103.908 103.820 103.728 103.648 4.875 101.477 101.392 101.274 101.170 5.500 104.272 104.184 104.092 104.012 4.990 101.657 101.571 101.454 101.349 5.625 104.340 104.252 104.160 104.080 5.000 101.672 101.587 101.470 101.365 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 4.000 101.261 101.176 101.047 100.915 4.250 98.150 98.065 97.935 97.804 4.500 98.719 98.634 98.504 98.372 4.125 101.566 101.481 101.352 101.220 4.375 98.492 98.407 98.278 98.146 4.625 98.941 98.856 98.726 98.595 4.250 101.914 101.829 101.700 101.568 4.500 98.785 98.700 98.570 98.438 4.750 99.201 99.116 98.987 98.855 4.375 102.196 102.110 101.981 101.849 4.625 99.049 98.964 98.834 98.703 4.500 102.407 102.322 102.192 102.061 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 99.636 99.551 99.422 99.290 4.250 96.275 96.190 96.060 95.929 4.500 96.844 96.759 96.629 96.497 4.125 99.941 99.856 99.727 99.595 4.375 96.617 96.532 96.403 96.271 4.625 97.066 96.981 96.851 96.720 4.250 100.039 99.954 99.825 99.693 4.500 96.910 96.825 96.695 96.563 4.750 97.326 97.241 97.112 96.980 4.375 100.321 100.235 100.106 99.974 4.625 97.174 97.089 96.959 96.828 4.500 100.532 100.447 100.317 100.186 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 98.933 98.876 98.817 98.760 4.000 98.683 98.626 98.567 98.510 4.125 99.817 99.760 99.702 99.645 4.125 99.692 99.635 99.577 99.520 4.250 100.402 100.342 100.283 100.226 4.250 100.402 100.342 100.283 100.226 4.375 101.039 100.971 100.904 100.834 4.375 101.039 100.971 100.904 100.834 4.500 101.692 101.625 101.558 101.488 4.500 101.692 101.625 101.558 101.488 4.625 102.356 102.288 102.221 102.151 4.625 102.356 102.288 102.221 102.151 4.750 102.906 102.838 102.771 102.701 4.750 102.906 102.838 102.771 102.701 4.875 103.422 103.355 103.288 103.218 4.875 103.422 103.355 103.288 103.218 4.990 103.569 103.502 103.435 103.365 4.990 103.569 103.502 103.435 103.365 5.000 103.826 103.759 103.692 103.621 5.000 103.826 103.759 103.692 103.621 5.125 104.424 104.348 104.273 104.195 5.125 104.424 104.348 104.273 104.195 5.250 104.796 104.721 104.646 104.568 5.250 104.796 104.721 104.646 104.568 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 99.187 99.103 99.057 98.885 3.750 98.882 98.767 98.722 98.490 3.250 98.758 98.737 98.516 98.496 4.125 99.949 99.891 99.824 99.711 3.875 99.435 99.319 97.778 99.039 3.375 99.226 99.203 98.983 98.962 4.250 100.597 100.538 100.471 100.357 4.000 100.126 100.007 99.963 99.726 3.500 99.958 99.920 99.819 99.784 4.375 101.194 101.134 101.068 100.953 4.125 100.736 100.646 100.580 100.404 3.625 100.514 100.475 100.374 100.337 4.500 101.832 101.775 101.708 101.593 4.250 101.293 101.202 101.136 100.958 3.750 100.926 100.886 100.785 100.748 4.625 102.554 102.480 102.393 102.288 4.375 101.876 101.781 101.715 101.534 3.875 101.334 101.294 101.193 101.155 4.750 103.075 103.003 102.915 102.810 4.500 102.473 102.374 102.308 102.122 3.990 101.666 101.610 101.547 101.495 4.875 103.658 103.586 103.498 103.393 4.625 103.058 102.952 102.865 102.698 4.000 101.695 101.637 101.578 101.524 4.990 103.828 103.754 103.666 103.562 4.750 103.565 103.457 103.370 103.199 4.125 102.265 102.207 102.148 102.094 5.000 104.086 104.012 103.924 103.820 4.875 103.857 103.748 103.661 103.488 4.250 102.542 102.484 102.425 102.371 5.125 104.644 104.587 104.478 104.444 5.000 104.213 104.104 104.017 103.842 4.375 102.771 102.713 102.653 102.599 5.250 105.035 104.977 104.868 104.834 5.125 104.735 104.615 104.507 104.410 4.500 103.143 103.067 103.021 102.950 5.375 105.248 105.192 105.082 105.048 5.250 105.079 104.958 104.850 104.751 4.625 103.699 103.621 103.576 103.503 5.500 105.663 105.610 105.500 105.467 5.375 105.203 105.082 104.973 104.874 4.750 103.951 103.872 103.826 103.753 5.625 106.054 105.991 105.860 105.835 5.500 105.446 105.326 105.217 105.118 4.875 104.203 104.124 104.078 104.003 5.750 106.550 106.489 106.358 106.335 5.625 106.024 105.960 105.830 105.804 4.990 104.431 104.337 104.283 104.195 5.875 106.878 106.819 106.688 106.666 5.750 106.565 106.501 106.371 106.345 5.000 104.451 104.355 104.301 104.211 5.990 107.170 107.112 106.981 106.960 5.125 104.962 104.865 104.811 104.720 6.000 107.195 107.138 107.007 106.986 5.250 105.403 105.306 105.251 105.160 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 98.126 98.106 97.886 97.866 4.000 97.916 97.832 97.786 97.614 3.250 97.208 97.187 96.966 96.946 3.250 98.508 98.487 98.266 98.246 4.125 98.636 98.578 98.511 98.398 3.375 97.676 97.653 97.433 97.412 3.375 98.976 98.953 98.733 98.712 4.250 99.204 99.145 99.078 98.964 3.500 98.408 98.370 98.269 98.234 3.500 99.708 99.670 99.569 99.534 4.375 99.436 99.376 99.310 99.195 3.625 98.964 98.925 98.824 98.787 3.625 100.264 100.225 100.124 100.087 4.500 99.874 99.817 99.750 99.635 3.750 99.376 99.336 99.235 99.198 3.750 100.726 100.686 100.585 100.548 4.625 100.554 100.480 100.393 100.288 3.875 99.784 99.744 99.643 99.605 3.875 101.134 101.094 100.993 100.955 4.750 101.008 100.936 100.848 100.743 3.990 100.116 100.060 99.997 99.945 4.000 101.495 101.437 101.378 101.324 4.875 101.233 101.161 101.073 100.968 4.000 100.145 100.087 100.028 99.974 4.125 102.065 102.007 101.948 101.894 4.990 101.266 101.192 101.104 101.000 4.125 100.715 100.657 100.598 100.544 4.250 102.342 102.284 102.225 102.171 5.000 101.524 101.450 101.362 101.258 4.250 100.992 100.934 100.875 100.821 4.375 102.571 102.513 102.453 102.399 5.125 101.829 101.772 101.663 101.629 4.375 101.221 101.163 101.103 101.049 4.500 102.943 102.867 102.821 102.750 5.250 102.220 102.162 102.053 102.019 4.500 101.593 101.517 101.471 101.400 4.625 103.499 103.421 103.376 103.303 5.375 102.433 102.377 102.267 102.233 4.625 102.149 102.071 102.026 101.953 4.750 103.751 103.672 103.626 103.553 5.500 102.848 102.795 102.685 102.652 4.750 102.401 102.322 102.276 102.203 5.625 103.239 103.176 103.045 103.020 4.875 102.653 102.574 102.528 102.453 5.750 103.735 103.674 103.543 103.520 4.990 102.881 102.787 102.733 102.645 5.875 104.063 104.004 103.873 103.851 5.000 102.901 102.805 102.751 102.661 5.990 104.355 104.297 104.166 104.145 5.125 103.412 103.315 103.261 103.170 6.000 104.380 104.323 104.192 104.171 5.250 103.853 103.756 103.701 103.610 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 3.750 101.160 101.110 101.060 101.011 2.875 97.899 97.863 97.828 97.792 3.750 101.160 101.110 101.060 101.011 3.875 101.562 101.513 101.463 101.413 3.000 98.560 98.525 98.489 98.454 3.875 101.562 101.513 101.463 101.413 3.990 101.915 101.865 101.816 101.766 3.125 99.114 99.079 99.043 99.008 3.990 101.915 101.865 101.816 101.766 4.000 102.075 102.025 101.976 101.926 3.250 99.196 99.146 99.096 99.047 4.000 102.075 102.025 101.976 101.926 4.125 102.594 102.544 102.495 102.445 3.375 99.783 99.733 99.683 99.634 4.125 102.594 102.544 102.495 102.445 4.250 103.159 103.095 103.031 102.968 3.500 100.951 100.901 100.851 100.801 4.250 103.159 103.095 103.031 102.968 4.375 103.614 103.550 103.486 103.422 3.625 101.486 101.436 101.387 101.337 4.375 103.614 103.550 103.486 103.422 4.500 104.062 103.998 103.934 103.870 3.750 102.709 102.660 102.610 102.560 4.500 104.062 103.998 103.934 103.870 4.625 104.392 104.328 104.264 104.201 3.875 103.314 103.264 103.215 103.165 4.625 104.392 104.328 104.264 104.201 4.750 104.780 104.709 104.638 104.567 4.000 103.888 103.838 103.788 103.739 4.750 104.780 104.709 104.638 104.567 4.875 105.107 105.036 104.965 104.894 4.125 104.194 104.144 104.094 104.045 4.875 105.107 105.036 104.965 104.894 4.990 105.360 105.289 105.218 105.147 4.250 104.226 104.162 104.098 104.034 4.990 105.360 105.289 105.218 105.147 5.000 105.480 105.409 105.338 105.267 4.375 104.418 104.354 104.290 104.226 5.000 105.480 105.409 105.338 105.267 5.125 105.810 105.739 105.668 105.597 4.500 104.889 104.825 104.761 104.697 5.125 105.810 105.739 105.668 105.597 5.250 105.931 105.853 105.775 105.697 4.625 105.322 105.258 105.194 105.130 5.250 105.931 105.853 105.775 105.697 5.375 106.004 105.925 105.847 105.769 5.375 105.964 105.885 105.807 105.729 5.500 106.440 106.362 106.284 106.206 5.625 106.857 106.779 106.701 106.623 5.750 107.119 107.112 107.104 107.097 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 99.847 99.798 99.748 99.698 2.875 94.924 94.888 94.853 94.817 3.750 99.160 99.110 99.060 99.011 3.875 100.250 100.200 100.150 100.101 3.000 95.585 95.550 95.514 95.479 3.875 99.562 99.513 99.463 99.413 3.990 100.603 100.553 100.503 100.453 3.125 96.139 96.104 96.068 96.033 3.990 99.915 99.865 99.816 99.766 4.000 100.763 100.713 100.663 100.613 3.250 97.977 97.927 97.878 97.828 4.000 100.075 100.025 99.976 99.926 4.125 101.282 101.232 101.182 101.133 3.375 98.564 98.514 98.464 98.415 4.125 100.594 100.544 100.495 100.445 4.250 101.972 101.908 101.844 101.780 3.500 99.632 99.582 99.532 99.483 4.250 101.159 101.095 101.031 100.968 4.375 102.126 102.062 101.998 101.935 3.625 100.117 100.068 100.018 99.968 4.375 101.614 101.550 101.486 101.422 4.500 102.524 102.460 102.396 102.332 3.750 101.364 101.314 101.265 101.215 4.500 102.062 101.998 101.934 101.870 4.625 102.755 102.691 102.627 102.563 3.875 101.669 101.619 101.569 101.519 4.625 102.392 102.328 102.264 102.201 4.750 103.798 103.727 103.656 103.585 4.000 102.142 102.093 102.043 101.993 4.750 102.780 102.709 102.638 102.567 4.875 104.075 104.004 103.933 103.862 4.125 102.348 102.299 102.249 102.199 4.875 103.107 103.036 102.965 102.894 4.990 104.229 104.158 104.087 104.016 4.250 102.445 102.381 102.317 102.253 4.990 103.360 103.289 103.218 103.147 5.000 104.249 104.178 104.107 104.036 4.375 102.537 102.473 102.409 102.345 5.000 103.480 103.409 103.338 103.267 5.125 104.329 104.258 104.187 104.116 4.500 102.758 102.694 102.630 102.566 5.125 103.810 103.739 103.668 103.597 5.250 104.693 104.615 104.537 104.459 4.625 103.291 103.227 103.163 103.099 5.250 103.931 103.853 103.775 103.697 5.375 104.491 104.413 104.335 104.257 5.375 104.004 103.925 103.847 103.769 5.500 104.678 104.599 104.521 104.443 5.500 104.440 104.362 104.284 104.206 5.625 104.945 104.866 104.788 104.710 5.625 104.857 104.779 104.701 104.623 5.750 105.181 105.174 105.167 105.160 5.750 105.119 105.112 105.104 105.097 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 97.826 97.712 97.599 97.485 2.250 96.159 96.045 95.932 95.818 2.875 98.220 98.107 97.993 97.880 2.375 96.428 96.314 96.200 96.087 3.000 98.482 98.368 98.254 98.141 2.500 96.689 96.575 96.462 96.348 3.125 98.734 98.620 98.507 98.393 2.625 96.961 96.848 96.734 96.620 3.250 99.227 99.113 98.999 98.886 2.750 97.123 97.009 96.895 96.782 3.375 99.485 99.371 99.257 99.144 2.875 97.380 97.267 97.153 97.039 3.500 99.712 99.598 99.485 99.371 3.000 97.628 97.515 97.401 97.288 3.625 99.914 99.800 99.687 99.573 3.125 97.888 97.775 97.661 97.547 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 3.750 100.133 100.083 100.033 99.983 3.750 98.820 98.770 98.721 98.671 3.875 100.535 100.485 100.436 100.386 3.875 99.222 99.173 99.123 99.073 3.990 100.888 100.838 100.788 100.739 3.990 99.575 99.526 99.476 99.426 4.000 101.048 100.998 100.948 100.899 4.000 99.735 99.686 99.636 99.586 4.125 101.567 101.517 101.467 101.418 4.125 100.254 100.205 100.155 100.105 4.250 102.132 102.068 102.004 101.940 4.250 100.944 100.881 100.817 100.753 4.375 102.586 102.523 102.459 102.395 4.375 101.099 101.035 100.971 100.907 4.500 103.034 102.971 102.907 102.843 4.500 101.497 101.433 101.369 101.305 4.625 103.365 103.301 103.237 103.173 4.625 101.728 101.664 101.600 101.536 4.750 103.752 103.681 103.610 103.539 4.750 102.771 102.700 102.629 102.558 4.875 104.079 104.008 103.937 103.866 4.875 103.048 102.977 102.906 102.835 4.990 104.333 104.262 104.191 104.120 4.990 103.202 103.130 103.059 102.988 5.000 104.453 104.382 104.311 104.240 5.000 103.222 103.150 103.079 103.008 5.125 104.783 104.712 104.641 104.570 5.125 103.302 103.231 103.160 103.089 5.250 104.904 104.825 104.747 104.669 5.250 103.666 103.588 103.510 103.432 5.375 104.976 104.898 104.820 104.742 5.375 103.464 103.386 103.308 103.229 5.500 105.413 105.335 105.257 105.178 5.500 103.650 103.572 103.494 103.416 5.625 105.830 105.752 105.673 105.595 5.625 103.917 103.839 103.761 103.683 5.750 106.091 106.084 106.077 106.070 5.750 104.154 104.147 104.140 104.133 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) 75 Day Lock N/A (0.125) 600-619 (1.500) VA ID #: 5199980000 25 Year Term (Fixed Only) (0.250) MAX PRICE PAID AFTER ALL 90 Day Lock N/A (0.500) < 600 (1.875) All borrowers must be checked against CAIVRS 20 Year Term (Fixed Only) (0.500) ADJUSTMENTS IS 108.00 - Does not 120 Day Lock N/A (1.000) apply to USDA Product 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 4.250 97.678 97.480 97.282 96.848 3.750 96.350 96.173 95.996 95.585 4.250 97.678 97.480 97.282 96.848 4.375 98.428 98.230 98.032 97.598 3.875 97.038 96.861 96.684 96.272 4.375 98.428 98.230 98.032 97.598 4.500 99.146 98.948 98.751 98.317 4.000 97.725 97.548 97.371 96.960 4.500 99.146 98.948 98.751 98.317 4.625 99.865 99.667 99.469 99.036 4.125 98.382 98.204 98.027 97.616 4.625 99.865 99.667 99.469 99.036 4.750 100.553 100.355 100.157 99.723 4.250 99.038 98.861 98.684 98.272 4.750 100.553 100.355 100.157 99.723 4.875 101.115 100.917 100.719 100.286 4.375 99.694 99.517 99.340 98.929 4.875 101.115 100.917 100.719 100.286 5.000 101.678 101.480 101.282 100.848 4.500 100.319 100.142 99.965 99.554 5.000 101.678 101.480 101.282 100.848 5.125 101.803 101.605 101.407 100.973 4.625 100.913 100.736 100.559 100.147 5.125 101.803 101.605 101.407 100.973 5.250 101.928 101.730 101.532 101.098 4.750 101.288 101.111 100.934 100.522 5.250 101.928 101.730 101.532 101.098 5.375 102.053 101.855 101.657 101.223 4.875 101.538 101.361 101.184 100.772 5.375 102.053 101.855 101.657 101.223 PHL JUMBO 5/1 ARM PHL JUMBO 7/1 ARM PHL JUMBO 10/1 ARM 3.625 98.549 98.378 98.206 97.800 3.750 97.901 97.724 97.547 97.136 4.000 98.089 97.901 97.714 97.291 3.750 99.081 98.909 98.737 98.331 3.875 98.526 98.349 98.172 97.761 4.125 98.776 98.589 98.401 97.979 3.875 99.612 99.440 99.268 98.862 4.000 99.151 98.974 98.797 98.386 4.250 99.433 99.245 99.058 98.635 4.000 100.143 99.971 99.799 99.394 4.125 99.761 99.584 99.407 98.995 4.375 100.089 99.901 99.714 99.291 4.125 100.674 100.503 100.331 99.925 4.250 100.370 100.193 100.016 99.605 4.500 100.714 100.526 100.339 99.916 4.250 101.081 100.909 100.737 100.331 4.375 100.870 100.693 100.516 100.105 4.625 101.214 101.026 100.839 100.416 4.375 101.393 101.221 101.049 100.644 4.500 101.370 101.193 101.016 100.605 4.750 101.651 101.464 101.276 100.854 4.500 101.706 101.534 101.362 100.956 4.625 101.808 101.631 101.453 101.042 4.875 101.901 101.714 101.526 101.104 4.625 101.956 101.784 101.612 101.206 4.750 102.120 101.943 101.766 101.355 5.000 102.151 101.964 101.776 101.354 4.750 102.081 101.909 101.737 101.331 4.875 102.370 102.193 102.016 101.605 5.125 102.276 102.089 101.901 101.479 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 98.810 98.660 98.510 N/A 5.000 99.310 99.160 99.010 N/A 5.000 98.930 98.780 98.630 N/A 5.375 99.120 98.970 98.820 N/A 5.125 99.620 99.470 99.320 N/A 5.125 99.240 99.090 98.940 N/A 5.500 99.430 99.280 99.130 N/A 5.250 99.930 99.780 99.630 N/A 5.250 99.550 99.400 99.250 N/A 5.625 99.750 99.600 99.450 N/A 5.375 100.250 100.100 99.950 N/A 5.375 99.870 99.720 99.570 N/A 5.750 100.060 99.910 99.760 N/A 5.500 100.560 100.410 100.260 N/A 5.500 100.180 100.030 99.880 N/A 5.875 100.370 100.220 100.070 N/A 5.625 100.870 100.720 100.570 N/A 5.625 100.490 100.340 100.190 N/A 6.000 100.680 100.530 100.380 N/A 5.750 101.180 101.030 100.880 N/A 5.750 100.800 100.650 100.500 N/A 6.125 101.000 100.850 100.700 N/A 5.875 101.500 101.350 101.200 N/A 5.875 101.120 100.970 100.820 N/A 6.250 101.250 101.100 100.950 N/A 6.000 101.810 101.660 101.510 N/A 6.000 101.430 101.280 101.130 N/A 6.375 101.500 101.350 101.200 N/A 6.125 102.120 101.970 101.820 N/A 6.125 101.740 101.590 101.440 N/A 6.500 101.750 101.600 101.450 N/A 6.250 102.370 102.220 102.070 N/A 6.250 101.990 101.840 101.690 N/A 6.625 102.000 101.850 101.700 N/A 6.375 102.620 102.470 102.320 N/A 6.375 102.240 102.090 101.940 N/A 6.750 102.250 102.100 101.950 N/A 6.500 102.870 102.720 102.570 N/A 6.500 102.490 102.340 102.190 N/A 6.875 102.500 102.350 102.200 N/A 6.625 103.120 102.970 102.820 N/A 6.625 102.740 102.590 102.440 N/A 7.000 102.750 102.600 102.450 N/A 6.750 103.370 103.220 103.070 N/A 6.750 102.990 102.840 102.690 N/A 7.125 103.000 102.850 102.700 N/A 6.875 103.620 103.470 103.320 N/A 6.875 103.240 103.090 102.940 N/A 7.250 103.250 103.100 102.950 N/A 7.000 103.870 103.720 103.570 N/A 7.000 103.490 103.340 103.190 N/A 7.375 103.500 103.350 103.200 N/A 7.125 104.120 103.970 103.820 N/A 7.125 103.740 103.590 103.440 N/A 7.500 103.750 103.600 103.450 N/A 7.250 104.370 104.220 104.070 N/A 7.250 103.990 103.840 103.690 N/A 7.625 104.000 103.850 103.700 N/A 7.375 104.620 104.470 104.320 N/A 7.375 104.240 104.090 103.940 N/A 7.750 104.250 104.100 103.950 N/A 7.500 104.870 104.720 104.570 N/A 7.500 104.490 104.340 104.190 N/A 7.875 104.500 104.350 104.200 N/A 7.625 105.120 104.970 104.820 N/A 7.625 104.740 104.590 104.440 N/A 8.000 104.750 104.600 104.450 N/A 7.750 105.370 105.220 105.070 N/A 7.750 104.990 104.840 104.690 N/A 8.125 105.000 104.850 104.700 N/A 7.875 105.620 105.470 105.320 N/A 7.875 105.240 105.090 104.940 N/A 8.250 105.250 105.100 104.950 N/A 8.000 105.870 105.720 105.570 N/A 8.000 105.490 105.340 105.190 N/A 8.375 105.500 105.350 105.200 N/A 8.125 106.120 105.970 105.820 N/A 8.125 105.740 105.590 105.440 N/A 8.500 105.750 105.600 105.450 N/A 8.250 106.370 106.220 106.070 N/A 8.250 105.990 105.840 105.690 N/A 8.625 106.000 105.850 105.700 N/A 8.375 106.620 106.470 106.320 N/A 8.375 106.240 106.090 105.940 N/A 8.750 106.250 106.100 105.950 N/A 8.500 106.870 106.720 106.570 N/A 8.500 106.490 106.340 106.190 N/A 8.875 106.500 106.350 106.200 N/A 8.625 107.120 106.970 106.820 N/A 8.625 106.740 106.590 106.440 N/A 9.000 106.750 106.600 106.450 N/A 8.750 107.370 107.220 107.070 N/A 8.750 106.990 106.840 106.690 N/A 9.125 107.000 106.850 106.700 N/A 8.875 107.620 107.470 107.320 N/A 8.875 107.240 107.090 106.940 N/A 9.250 107.250 107.100 106.950 N/A 9.000 107.870 107.720 107.570 N/A 9.000 107.490 107.340 107.190 N/A 9.375 107.500 107.350 107.200 N/A 9.125 108.120 107.970 107.820 N/A 9.125 107.740 107.590 107.440 N/A 9.500 107.750 107.600 107.450 N/A 9.250 108.370 108.220 108.070 N/A 9.250 107.990 107.840 107.690 N/A 9.625 108.000 107.850 107.700 N/A 9.375 108.620 108.470 108.320 N/A 9.375 108.240 108.090 107.940 N/A 9.750 108.250 108.100 107.950 N/A 9.500 108.870 108.720 108.570 N/A 9.500 108.490 108.340 108.190 N/A 9.625 109.120 108.970 108.820 N/A 9.625 108.740 108.590 108.440 N/A 9.750 109.370 109.220 109.070 N/A 9.750 108.990 108.840 108.690 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/Co-ops 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 (0.125) (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/Co-ops 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 (0.125) (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, RI, SD, WY -0.250 REGION 4: N/A 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