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 97.840 97.786 97.740 97.696 3.750 97.479 97.424 97.366 97.308 3.125 97.331 97.288 97.251 97.220 4.125 98.496 98.441 98.395 98.351 3.875 98.092 98.037 97.979 97.920 3.250 98.133 98.069 98.006 97.943 4.250 99.244 99.174 99.113 99.054 4.000 98.739 98.684 98.627 98.568 3.375 98.615 98.551 98.487 98.425 4.375 99.876 99.806 99.745 99.686 4.125 99.264 99.209 99.151 99.093 3.500 99.136 99.072 99.009 98.946 4.500 100.570 100.500 100.439 100.381 4.250 100.282 100.212 100.139 100.066 3.625 99.698 99.634 99.571 99.508 4.625 101.204 101.134 101.073 101.015 4.375 100.756 100.686 100.613 100.540 3.750 100.032 99.975 99.923 99.876 4.750 101.789 101.719 101.658 101.599 4.500 101.372 101.301 101.229 101.155 3.875 100.405 100.348 100.296 100.249 4.875 102.383 102.313 102.252 102.193 4.625 101.881 101.811 101.738 101.665 3.990 100.828 100.771 100.719 100.672 4.990 102.681 102.603 102.535 102.470 4.750 102.290 102.212 102.132 102.053 4.000 100.865 100.808 100.756 100.709 5.000 102.914 102.836 102.767 102.701 4.875 102.771 102.693 102.613 102.533 4.125 101.310 101.253 101.201 101.154 5.125 103.544 103.466 103.398 103.332 5.000 103.342 103.264 103.184 103.103 4.250 101.575 101.518 101.466 101.419 5.250 104.074 103.996 103.927 103.861 5.125 103.863 103.784 103.704 103.624 4.375 101.922 101.865 101.813 101.766 5.375 104.357 104.279 104.211 104.145 5.250 104.151 104.073 103.993 103.912 4.500 102.380 102.324 102.271 102.224 5.500 104.729 104.659 104.592 104.526 5.375 104.499 104.421 104.341 104.260 4.625 102.892 102.835 102.783 102.736 5.625 105.278 105.208 105.141 105.075 5.500 104.901 104.831 104.752 104.672 4.750 103.129 103.072 103.020 102.973 5.750 105.765 105.694 105.628 105.562 5.625 105.305 105.235 105.156 105.076 4.875 103.352 103.295 103.243 103.196 5.875 106.058 105.988 105.921 105.855 4.990 103.602 103.546 103.493 103.446 5.990 106.208 106.116 106.023 105.930 5.000 103.624 103.567 103.515 103.468 6.000 106.235 106.141 106.046 105.951 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 97.107 97.064 97.012 96.950 3.750 95.616 95.569 95.513 95.454 3.125 96.075 96.032 95.988 95.941 3.250 98.238 98.174 98.097 98.003 3.875 96.236 96.189 96.133 96.074 3.250 96.753 96.689 96.618 96.540 3.375 98.580 98.517 98.439 98.345 3.990 96.703 96.656 96.599 96.541 3.375 97.412 97.348 97.278 97.200 3.500 98.981 98.917 98.839 98.745 4.000 96.825 96.778 96.722 96.663 3.500 97.905 97.841 97.771 97.693 3.625 99.326 99.262 99.184 99.090 4.125 97.782 97.728 97.670 97.611 3.625 98.352 98.288 98.217 98.139 3.750 100.163 100.106 100.039 99.961 4.250 98.629 98.574 98.516 98.458 3.750 98.569 98.512 98.453 98.390 3.875 100.407 100.350 100.283 100.205 4.375 99.271 99.206 99.146 99.088 3.875 98.902 98.845 98.786 98.724 4.000 100.732 100.675 100.608 100.530 4.500 100.090 100.020 99.947 99.874 3.990 99.272 99.215 99.156 99.093 4.125 101.042 100.985 100.918 100.840 4.625 100.607 100.537 100.464 100.391 4.000 99.304 99.247 99.188 99.125 4.250 101.620 101.564 101.497 101.419 4.750 101.167 101.097 101.024 100.951 4.125 99.682 99.626 99.566 99.504 4.375 101.845 101.788 101.721 101.643 4.875 101.709 101.638 101.566 101.493 4.250 99.851 99.794 99.735 99.672 4.500 102.122 102.065 101.998 101.920 4.990 102.202 102.132 102.059 101.986 4.375 99.891 99.834 99.775 99.712 4.625 102.544 102.488 102.421 102.343 5.000 102.213 102.143 102.070 101.997 4.500 100.056 100.000 99.940 99.878 4.750 102.715 102.659 102.592 102.514 5.125 102.326 102.256 102.183 102.110 4.625 100.539 100.482 100.423 100.360 4.875 102.881 102.824 102.757 102.679 5.250 103.305 103.227 103.147 103.066 4.750 100.693 100.636 100.576 100.514 5.000 103.121 103.064 102.990 102.897 5.375 103.504 103.426 103.346 103.265 4.875 100.836 100.779 100.720 100.657 5.500 103.858 103.780 103.700 103.619 4.990 101.016 100.959 100.900 100.837 5.625 103.926 103.848 103.768 103.687 5.000 101.032 100.975 100.915 100.853 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 4.000 100.604 100.526 100.452 100.385 4.250 97.276 97.198 97.124 97.057 4.500 97.822 97.744 97.670 97.603 4.125 100.972 100.894 100.820 100.753 4.375 97.611 97.533 97.458 97.391 4.625 98.122 98.044 97.970 97.903 4.250 101.363 101.284 101.210 101.143 4.500 97.915 97.837 97.763 97.696 4.750 98.371 98.293 98.218 98.151 4.375 101.675 101.597 101.523 101.456 4.625 98.203 98.125 98.051 97.984 4.500 101.963 101.885 101.810 101.743 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 98.979 98.901 98.827 98.760 4.250 95.401 95.323 95.249 95.182 4.500 95.947 95.869 95.795 95.728 4.125 99.347 99.269 99.195 99.128 4.375 95.736 95.658 95.583 95.516 4.625 96.247 96.169 96.095 96.028 4.250 99.488 99.409 99.335 99.268 4.500 96.040 95.962 95.888 95.821 4.750 96.496 96.418 96.343 96.276 4.375 99.800 99.722 99.648 99.581 4.625 96.328 96.250 96.176 96.109 4.500 100.088 100.010 99.935 99.868 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 97.340 97.286 97.240 97.196 4.000 97.090 97.036 96.990 96.946 4.125 98.246 98.191 98.145 98.101 4.125 98.121 98.066 98.020 97.976 4.250 98.994 98.924 98.863 98.804 4.250 98.994 98.924 98.863 98.804 4.375 99.626 99.556 99.495 99.436 4.375 99.626 99.556 99.495 99.436 4.500 100.320 100.250 100.189 100.131 4.500 100.320 100.250 100.189 100.131 4.625 100.954 100.884 100.823 100.765 4.625 100.954 100.884 100.823 100.765 4.750 101.539 101.469 101.408 101.349 4.750 101.539 101.469 101.408 101.349 4.875 102.133 102.063 102.002 101.943 4.875 102.133 102.063 102.002 101.943 4.990 102.431 102.353 102.285 102.220 4.990 102.431 102.353 102.285 102.220 5.000 102.664 102.586 102.517 102.451 5.000 102.664 102.586 102.517 102.451 5.125 103.294 103.216 103.148 103.082 5.125 103.294 103.216 103.148 103.082 5.250 103.824 103.746 103.677 103.611 5.250 103.824 103.746 103.677 103.611 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 97.670 97.634 97.603 97.570 3.750 97.208 97.155 97.083 97.034 3.250 97.776 97.760 97.745 97.711 4.125 98.411 98.358 98.317 98.267 3.875 97.961 97.909 97.836 97.787 3.375 98.358 98.329 98.291 98.217 4.250 99.012 98.958 98.919 98.869 4.000 98.616 98.564 98.489 98.440 3.500 99.175 99.143 99.106 99.031 4.375 99.721 99.667 99.629 99.579 4.125 99.412 99.360 99.287 99.238 3.625 99.726 99.691 99.656 99.580 4.500 100.521 100.468 100.435 100.385 4.250 100.151 100.098 100.026 99.977 3.750 100.077 100.040 100.006 99.929 4.625 101.157 101.085 101.032 100.965 4.375 100.738 100.686 100.611 100.562 3.875 100.513 100.473 100.441 100.366 4.750 101.836 101.764 101.714 101.647 4.500 101.394 101.323 101.238 101.172 3.990 100.931 100.881 100.825 100.802 4.875 102.360 102.289 102.240 102.173 4.625 101.992 101.921 101.836 101.770 4.000 100.968 100.917 100.859 100.840 4.990 102.673 102.602 102.556 102.489 4.750 102.385 102.314 102.228 102.162 4.125 101.504 101.452 101.395 101.376 5.000 102.908 102.837 102.791 102.724 4.875 102.712 102.641 102.556 102.490 4.250 101.795 101.742 101.686 101.667 5.125 103.671 103.581 103.527 103.443 5.000 103.223 103.153 103.065 102.998 4.375 102.196 102.141 102.087 102.064 5.250 104.033 103.943 103.893 103.808 5.125 103.695 103.605 103.488 103.404 4.500 102.545 102.475 102.395 102.376 5.375 104.213 104.123 104.076 103.991 5.250 103.974 103.884 103.767 103.683 4.625 103.089 103.017 102.938 102.919 5.500 104.445 104.354 104.307 104.222 5.375 104.113 104.023 103.908 103.824 4.750 103.242 103.168 103.090 103.070 5.625 105.310 105.201 105.144 105.042 5.500 104.497 104.407 104.292 104.208 4.875 103.460 103.386 103.308 103.288 5.750 105.770 105.661 105.609 105.507 5.625 104.947 104.838 104.783 104.681 4.990 103.670 103.582 103.481 103.454 5.875 106.074 105.965 105.916 105.814 5.750 105.350 105.241 105.186 105.084 5.000 103.689 103.600 103.497 103.469 5.990 106.180 106.070 106.027 105.925 5.125 104.170 104.079 103.978 103.948 6.000 106.198 106.088 106.045 105.943 5.250 104.635 104.543 104.443 104.412 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 97.150 97.134 97.118 97.085 4.000 96.943 96.907 96.876 96.843 3.250 97.433 97.417 97.402 97.368 3.250 97.526 97.510 97.495 97.461 4.125 97.591 97.538 97.497 97.447 3.375 97.733 97.704 97.666 97.592 3.375 98.108 98.079 98.041 97.967 4.250 98.192 98.138 98.099 98.049 3.500 98.550 98.518 98.481 98.406 3.500 98.925 98.893 98.856 98.781 4.375 98.901 98.847 98.809 98.759 3.625 99.101 99.066 99.031 98.955 3.625 99.476 99.441 99.406 99.330 4.500 99.701 99.648 99.615 99.565 3.750 99.452 99.415 99.381 99.304 3.750 99.877 99.840 99.806 99.729 4.625 100.438 100.366 100.313 100.246 3.875 99.738 99.698 99.666 99.591 3.875 100.313 100.273 100.241 100.166 4.750 101.117 101.045 100.995 100.928 3.990 99.922 99.872 99.816 99.792 4.000 100.768 100.717 100.659 100.640 4.875 101.641 101.570 101.521 101.454 4.000 99.958 99.907 99.849 99.830 4.125 101.304 101.252 101.195 101.176 4.990 101.954 101.883 101.837 101.770 4.125 100.394 100.342 100.285 100.266 4.250 101.595 101.542 101.486 101.467 5.000 102.189 102.118 102.072 102.005 4.250 100.685 100.632 100.576 100.557 4.375 101.996 101.941 101.887 101.864 5.125 102.423 102.333 102.279 102.195 4.375 100.836 100.781 100.727 100.704 4.500 102.345 102.275 102.195 102.176 5.250 102.635 102.545 102.495 102.410 4.500 100.967 100.897 100.817 100.798 4.625 102.889 102.817 102.738 102.719 5.375 102.815 102.725 102.678 102.593 4.625 101.511 101.439 101.360 101.341 4.750 103.042 102.968 102.890 102.870 5.500 102.947 102.856 102.809 102.724 4.750 101.664 101.590 101.512 101.492 5.625 103.193 103.084 103.027 102.925 4.875 101.882 101.808 101.730 101.710 5.750 103.653 103.544 103.492 103.390 4.990 100.389 100.301 100.200 100.173 5.875 103.957 103.848 103.799 103.697 5.000 100.407 100.318 100.215 100.187 5.990 104.063 103.953 103.910 103.808 5.125 100.889 100.798 100.697 100.667 6.000 104.081 103.971 103.928 103.826 5.250 101.354 101.262 101.162 101.131 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 99.590 99.546 99.502 99.458 2.875 96.705 96.668 96.631 96.595 3.750 99.590 99.546 99.502 99.458 3.875 99.962 99.918 99.874 99.830 3.000 97.372 97.335 97.298 97.262 3.875 99.962 99.918 99.874 99.830 3.990 100.408 100.364 100.321 100.277 3.125 97.943 97.906 97.870 97.833 3.990 100.408 100.364 100.321 100.277 4.000 100.578 100.534 100.491 100.447 3.250 98.648 98.582 98.516 98.450 4.000 100.578 100.534 100.491 100.447 4.125 100.956 100.912 100.868 100.824 3.375 99.235 99.169 99.103 99.038 4.125 100.956 100.912 100.868 100.824 4.250 101.649 101.590 101.532 101.473 3.500 100.057 99.991 99.925 99.859 4.250 101.649 101.590 101.532 101.473 4.375 102.322 102.264 102.205 102.146 3.625 100.690 100.624 100.558 100.492 4.375 102.322 102.264 102.205 102.146 4.500 102.838 102.779 102.721 102.662 3.750 101.174 101.115 101.057 100.998 4.500 102.838 102.779 102.721 102.662 4.625 103.313 103.255 103.196 103.138 3.875 101.778 101.719 101.661 101.602 4.625 103.313 103.255 103.196 103.138 4.750 103.805 103.740 103.674 103.608 4.000 101.952 101.893 101.835 101.776 4.750 103.805 103.740 103.674 103.608 4.875 104.201 104.135 104.069 104.003 4.125 102.100 102.042 101.983 101.925 4.875 104.201 104.135 104.069 104.003 4.990 104.534 104.468 104.402 104.336 4.250 102.686 102.628 102.569 102.510 4.990 104.534 104.468 104.402 104.336 5.000 104.634 104.568 104.502 104.436 4.375 102.728 102.670 102.611 102.553 5.000 104.634 104.568 104.502 104.436 5.125 105.063 104.998 104.932 104.866 4.500 103.200 103.141 103.082 103.024 5.125 105.063 104.998 104.932 104.866 5.250 105.285 105.227 105.168 105.109 4.625 103.634 103.575 103.516 103.458 5.250 105.285 105.227 105.168 105.109 5.375 105.308 105.250 105.191 105.133 5.375 105.308 105.250 105.191 105.133 5.500 105.675 105.616 105.558 105.499 5.500 105.675 105.616 105.558 105.499 5.625 105.904 105.845 105.787 105.728 5.625 105.904 105.845 105.787 105.728 5.750 105.956 105.941 105.926 105.912 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 98.733 98.689 98.645 98.601 2.875 95.486 95.449 95.413 95.376 3.750 97.590 97.546 97.502 97.458 3.875 99.104 99.061 99.017 98.973 3.000 96.153 96.116 96.080 96.043 3.875 97.962 97.918 97.874 97.830 3.990 99.551 99.507 99.463 99.419 3.125 96.724 96.687 96.651 96.614 3.990 98.408 98.364 98.321 98.277 4.000 99.721 99.677 99.633 99.589 3.250 97.429 97.363 97.297 97.231 4.000 98.578 98.534 98.491 98.447 4.125 100.068 100.024 99.980 99.936 3.375 98.017 97.951 97.885 97.819 4.125 98.956 98.912 98.868 98.824 4.250 100.586 100.528 100.469 100.410 3.500 98.738 98.672 98.606 98.541 4.250 99.649 99.590 99.532 99.473 4.375 101.260 101.201 101.142 101.084 3.625 99.321 99.255 99.189 99.123 4.375 100.322 100.264 100.205 100.146 4.500 101.775 101.717 101.658 101.600 3.750 99.828 99.770 99.711 99.653 4.500 100.838 100.779 100.721 100.662 4.625 102.251 102.192 102.134 102.075 3.875 100.133 100.074 100.015 99.957 4.625 101.313 101.255 101.196 101.138 4.750 102.355 102.290 102.224 102.158 4.000 100.166 100.108 100.049 99.991 4.750 101.805 101.740 101.674 101.608 4.875 103.036 102.970 102.904 102.838 4.125 100.295 100.236 100.178 100.119 4.875 102.201 102.135 102.069 102.003 4.990 103.309 103.243 103.177 103.111 4.250 100.905 100.846 100.788 100.729 4.990 102.534 102.468 102.402 102.336 5.000 103.409 103.343 103.277 103.211 4.375 100.947 100.889 100.830 100.771 5.000 102.634 102.568 102.502 102.436 5.125 103.443 103.378 103.312 103.246 4.500 101.068 101.010 100.951 100.893 5.125 103.063 102.998 102.932 102.866 5.250 103.565 103.507 103.448 103.389 4.625 101.602 101.544 101.485 101.427 5.250 103.285 103.227 103.168 103.109 5.375 103.588 103.530 103.471 103.413 5.375 103.308 103.250 103.191 103.133 5.500 103.955 103.896 103.838 103.779 5.500 103.675 103.616 103.558 103.499 5.625 104.184 104.125 104.067 104.008 5.625 103.904 103.845 103.787 103.728 5.750 104.441 104.426 104.411 104.397 5.750 103.956 103.941 103.926 103.912 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 98.020 97.903 97.785 97.668 2.250 96.353 96.235 96.118 96.001 2.875 98.414 98.297 98.180 98.062 2.375 96.621 96.504 96.387 96.270 3.000 98.675 98.558 98.441 98.324 2.500 96.882 96.765 96.648 96.531 3.125 98.927 98.810 98.693 98.576 2.625 97.155 97.038 96.920 96.803 3.250 99.420 99.303 99.186 99.069 2.750 97.316 97.199 97.082 96.965 3.375 99.678 99.561 99.444 99.327 2.875 97.574 97.457 97.340 97.222 3.500 99.905 99.788 99.671 99.554 3.000 97.822 97.705 97.588 97.470 3.625 100.107 99.990 99.873 99.756 3.125 98.082 97.965 97.848 97.730 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 98.563 98.519 98.475 98.431 3.750 97.705 97.661 97.617 97.573 3.875 98.935 98.891 98.847 98.803 3.875 98.077 98.033 97.989 97.945 3.990 99.381 99.337 99.293 99.249 3.990 98.524 98.480 98.436 98.392 4.000 99.551 99.507 99.463 99.419 4.000 98.694 98.650 98.606 98.562 4.125 99.928 99.885 99.841 99.797 4.125 99.041 98.997 98.953 98.909 4.250 100.621 100.563 100.504 100.446 4.250 99.559 99.500 99.442 99.383 4.375 101.295 101.236 101.178 101.119 4.375 100.232 100.174 100.115 100.057 4.500 101.811 101.752 101.693 101.635 4.500 100.748 100.689 100.631 100.572 4.625 102.286 102.227 102.169 102.110 4.625 101.224 101.165 101.106 101.048 4.750 102.778 102.712 102.646 102.580 4.750 101.328 101.262 101.196 101.130 4.875 103.173 103.107 103.042 102.976 4.875 102.008 101.942 101.877 101.811 4.990 103.507 103.441 103.375 103.309 4.990 102.282 102.216 102.150 102.084 5.000 103.607 103.541 103.475 103.409 5.000 102.382 102.316 102.250 102.184 5.125 104.036 103.970 103.904 103.838 5.125 102.416 102.350 102.284 102.218 5.250 104.258 104.199 104.141 104.082 5.250 102.538 102.479 102.421 102.362 5.375 104.281 104.222 104.164 104.105 5.375 102.561 102.502 102.444 102.385 5.500 104.648 104.589 104.530 104.472 5.500 102.928 102.869 102.810 102.752 5.625 104.876 104.818 104.759 104.701 5.625 103.156 103.098 103.039 102.981 5.750 104.928 104.914 104.899 104.884 5.750 103.413 103.399 103.384 103.369 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 96.956 96.753 96.550 96.333 3.875 95.877 95.695 95.513 95.318 4.375 96.956 96.753 96.550 96.333 4.500 97.769 97.566 97.363 97.146 4.000 96.565 96.382 96.200 96.006 4.500 97.769 97.566 97.363 97.146 4.625 98.581 98.378 98.175 97.958 4.125 97.252 97.070 96.888 96.693 4.625 98.581 98.378 98.175 97.958 4.750 99.394 99.191 98.988 98.771 4.250 97.908 97.726 97.544 97.349 4.750 99.394 99.191 98.988 98.771 4.875 100.206 100.003 99.800 99.583 4.375 98.565 98.382 98.200 98.006 4.875 100.206 100.003 99.800 99.583 5.000 100.831 100.628 100.425 100.208 4.500 99.221 99.039 98.856 98.662 5.000 100.831 100.628 100.425 100.208 5.125 101.409 101.206 101.003 100.786 4.625 99.877 99.695 99.513 99.318 5.125 101.409 101.206 101.003 100.786 5.250 101.972 101.769 101.566 101.349 4.750 100.533 100.351 100.169 99.974 5.250 101.972 101.769 101.566 101.349 5.375 102.347 102.144 101.941 101.724 4.875 101.158 100.976 100.794 100.599 5.375 102.347 102.144 101.941 101.724 5.500 102.472 102.269 102.066 101.849 5.000 101.752 101.570 101.388 101.193 5.500 102.472 102.269 102.066 101.849 PHL JUMBO 5/1 ARM PHL JUMBO 7/1 ARM PHL JUMBO 10/1 ARM 3.750 98.064 97.887 97.710 97.521 3.875 97.150 96.967 96.785 96.591 4.125 97.554 97.361 97.169 96.963 3.875 98.595 98.418 98.241 98.052 4.000 97.837 97.655 97.473 97.278 4.250 98.242 98.049 97.856 97.651 4.000 99.127 98.950 98.773 98.584 4.125 98.525 98.342 98.160 97.966 4.375 98.898 98.705 98.513 98.307 4.125 99.658 99.481 99.304 99.115 4.250 99.212 99.030 98.848 98.653 4.500 99.554 99.361 99.169 98.963 4.250 100.189 100.012 99.835 99.646 4.375 99.900 99.717 99.535 99.341 4.625 100.210 100.018 99.825 99.619 4.375 100.720 100.543 100.366 100.177 4.500 100.509 100.327 100.144 99.950 4.750 100.867 100.674 100.481 100.276 4.500 101.095 100.918 100.741 100.552 4.625 101.071 100.889 100.707 100.512 4.875 101.429 101.236 101.044 100.838 4.625 101.470 101.293 101.116 100.927 4.750 101.571 101.389 101.207 101.012 5.000 101.992 101.799 101.606 101.401 4.750 101.845 101.668 101.491 101.302 4.875 102.040 101.858 101.676 101.481 5.125 102.554 102.361 102.169 101.963 4.875 102.220 102.043 101.866 101.677 5.000 102.509 102.327 102.144 101.950 5.250 102.929 102.736 102.544 102.338 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