Agency Conforming Fixed Rate Products. Agency 20 Year Fixed

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1 Agency Conforming Fixed Rate Products Agency 30 Year Fixed Agency 20 Year Fixed APR APR Non-Escrowed Loans ***No charge for non-escrowed loans*** State Adjustment Zone 1: Loan Amount $250,000 - $299, KY, MI, (CA, AL, AR, AZ, CT, IA, IN, 995 Lender Fee Lender Fee NC, ND, NV, SD, WI, VA) Standard Adjustments. Applies to 10, 15, 20 & 30 Year Fixed Products Criteria (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349, Roll Down Roll Down Unit Properties Agency 15 Year Fixed Agency 10 Year Fixed APR APR Investment Property LTV <= 75% Investment Property LTV >= 75.01% or 15 Year - FICO < Lender Fee Lender Fee Roll Down Roll Down ***No cost 45 day rate lock available on Purchase transactions!!! The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in all other states is $250,000. charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Agency FICO/LTV Grid Applies to 20, 25 & 30 Year Fixed Products <= Agency Fixed Cashout Refi FICO/LTV Grid Applies to All Conventional Products <= The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties and Cash-Out Refinance. Fannie Mae Fixed Rate High Balance Products - Loans up to $625,500 in Select Areas Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed Fannie Mae High Balance 10 Year Fixed APR APR APR Lender Fee Lender Fee Lender Fee Roll Down Roll Down Roll Down ***No cost 45 day rate lock available on Purchase transactions!!! The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters Above Cash Out Refi LTV<=80% Purchases or Limited Cash Out LTV>60% charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties and Cash-Out Refinance.

2 Rate Sheet DU Refi Plus % - 200% LTV DU Refi Plus 30 Year Fixed DU Refi Plus DU Refi Plus DU Refi Plus High Balance 30 Year Fixed Applies to DU Refi Plus Conforming and High Balance Products FICO/LTV GRID--Conforming and Agency High Balance products APR APR >125 (Terms > 15 years) Non-Escrowed 720+ Loans *No charge for non-escrowed loans* State Adjustment Zone 1: Lender Fee Lender Fee Loan Amount $250,000 - $299, (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, Roll Down Roll Down Loan Amount $300,000 - $349, NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, WV) DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 or 15 Year Fixed APR APR High LTV > 125% Lender Fee Lender Fee Units FICO < High Balance Adjustment Year - DTI > 45% Roll Down Roll Down or 15 Year - FICO < charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. DU Refi Plus 30 Year Fixed DU Refi Plus High Balance 30 Year Fixed APR APR DU Refi Plus % LTV DU Refi Plus DU Refi Plus Applies to All Fixed Rate Conforming and Agency High Balance Products FICO/LTV GRID--Conforming and Agency High Balance products Criteria (Terms > 15 years) Non-Escrowed for non-escrowed Loans *No charge loans* Lender State Adjustment Zone 1: Fee Lender Fee (CA, AL, AR, AZ, CT, IA, IN, KY, Loan Amount $250,000 - $299, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, Roll Down Roll Down Loan Amount $300,000 - $349, NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, WV) DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 to 15 Year Fixed APR APR High LTV > 105% Lender Fee Lender Fee Units FICO < High Balance Adjustment Roll Down Roll Down Year - DTI > 45% Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in all other states is $250, or 15 Year - FICO < charge a flat $995 Origination Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in New Jersey. all other states is $250,000. DU Refi Plus LTV's up to % DU Refi Plus DU Refi Plus 30 Year Fixed DU Refi Plus High Balance 30 Year Fixed Applies to All Fixed Rate Conforming and Agency High Balance Products APR APR Criteria Non-Escrowed non-escrowed Loans *No charge for loans* Lender Fee Lender Fee State Adjustment Zone 1: (CA, AL, AR, AZ, CT, IA, IN, KY, MI, Loan Amount $250,000 - $299, NC, ND, NV, SD, WI, VA) Roll Down Roll Down (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349, DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 to 15 Year Fixed APR APR High LTV > 95% Investment Property LTV <= 75% Lender Fee Lender Fee Investment Property LTV > 75% Attached Condo LTV Year >75% Term > Units Subordinate Financing CLTV <= 75% Roll Down Roll Down charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum FICO < High Balance Adjustment Year - DTI > 45% DU Refi Plus FICO/LTV GRID--Conforming and Agency High Balance products (Terms > 15 years) <=

3 FHA Fixed Rate Products FHA 30 Year Fixed FHA 15 Year Fixed FHA High Balance 30 Year Fixed APR APR APR Roll Down Roll Down Roll Down Roll Down Roll Down Roll Down The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: FHA mortgage insurance premium, prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum Higher-Priced Mortgage Loans (HPML) current maximum APR is at 5.94%. Standard Adjustments Applies to FHA Products Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** Loan Amount $250,000 - $299, Loan Amount $150,000 - $199, Loan Amount $100,000 - $149,999 Loan Amount $75,000 - $99, FHA FICO Grid Applies to All FHA Products Fico Range FHA Adjustable Rate Mortgage Product Standard Adjustments FHA 5/1 ARM FHA 5/1 ARM HIGH BALANCE Applies to FHA ARM Products APR APR Add to Points Roll Down #N/A Roll Down #N/A Property Units > 2 Investment Property Roll Down #N/A Roll Down #N/A FHA ARM FICO Grid Applies to FHA 5/1 ARM Product Fico Range Add to Points The Roll Down is our no closing cost loan. It is available on refinance transactions only. CashCall will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $300,000. Minimum loan amount in all other states is $350, This is an Adjustable-Rate Mortgage after the initial 5 year fixed interest period; payment and interest can significantly increase. The interest rate listed is for the initial 5 year fixed interest period, after that the interest rate and APR is based upon the fully indexed rate (index + margin). The present fully indexed rate is <Index + Margin>. Your interest rate and payment can change yearly, after the initial 5 fixed interest period. FHA ARM FICO Grid Applies to FHA 5/1 ARM High Balance Product FHA ARM 1 Year CMT Index: Fico Range Add to Points

4 LP Open Access 30 Year Fixed LP Open Access 15 Year Fixed Standard Adjustments. Applies to 10, 15, 20 & 30 Year Fixed Products Criteria Non-Escrowed ***No charge loans*** APR APR Loans for non-escrowed State Adjustment Zone 1: (CA, AL, AR, AZ, CT, IA, IN, KY, MI, Loan Amount $250,000 - $299, Lender Fee Lender Fee NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349, Roll Down Roll Down Unit Properties The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the High LTV ( %) Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender High LTV (>105%) payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Freddie Mac Open Access Investment Property LTV <= 75% Investment Property LTV >= 75.01% or 15 Year - FICO < Freddie Mac FICO/LTV Grid Applies to 20, 25 & 30 Year Fixed Products <= > Super Conforming 30 Year Fixed Super Conforming 15 Year Fixed Freddie Mac Super Conforming Standard Adjustments. Applies to 15 & 30 Year Fixed Freddie Mac Super Conforming Products Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** APR APR Lender Fee Lender Fee Investment Property LTV <= 75% Investment Property LTV > 75.01% High LTV ( %) Roll Down Roll Down or 15 Year - FICO < Unit Properties Unit Properties LTV <= 80% The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. Purchases or No Cash Out Refinance LTV>60% CashCall Mortgage will pay all of the Borrower's closing costs except: Super Conforming Cashout Refi Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Freddie Mac FICO/LTV Grid Applies to All Super Conforming Products $995 Lender Fee option applies to purchase and refinance transactions. CashCall Mortgage will charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. <= > Freddie Mac Cash Out Grid Applies to All Super Conforming Products <=

5 CSL Agency Full Doc 30 Year Common Sense Lending Full Document Products CSL Agency Full Doc 15 Year CSL Agency Full Doc - 5/1 LIBOR ARM 2/2/5 CSL Agency Full Doc - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR Margin: Margin: CSL Agency Asset Qual 30 Year Common Sense Lending Asset Qualification Products CSL Agency Asset Qual 15 Year CSL Agency Asset Qual - 5/1 LIBOR ARM 2/2/5 CSL Agency Asset Qual - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR Margin: Margin: CSL SE/Bank Statement 30 Year CSL SE/Bank Statement 15 Year CSL SE/Bank Statement - 5/1 LIBOR ARM 2/2/5 CSL SE/Bank Statement - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR Margin: Margin: CSL Investor 30 Year Common Sense Lending Investor Products CSL Investor 15 Year CSL Investor - 5/1 LIBOR ARM 2/2/5 30 Year CSL Investor - Interest Only 5/1 LIBOR ARM 2/2/5 30 Year APR APR APR APR Margin: Margin: CSL FICO/LTV Grid Applies to CSL Products FICO/LTV >=740 <= CSL Product Grids <60 CSL QM Products DTI FULL DOC ALT DOC Investment (Other than Investor Program) Units Cash Out Multiple Financed Properties (5-10) Loan Amount <150k 2nd Home Foreign National with no Credit Score

6 Agency 1-0 Buydown Products Agency 30 Year Fixed 1-0 Buydown Agency 15 Year Fixed 1-0 Buydown Standard Adjustments. Applies to 15 & 30 Year Fixed Products APR APR Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** State Adjustment Zone 1: Lender Fee Lender Fee Loan Amount $250,000 - $299, (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349, Roll Down Roll Down Unit Properties Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed 1-0 Buydown 1-0 Buydown APR APR Lender Fee Lender Fee Year - FICO < Year - LTV > Roll Down Roll Down Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters Purchases or Limited Cash Out LTV>60% ***No cost 45 day rate lock available on Purchase transactions!!! Agency FICO/LTV Grid The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Applies to 30 Year Fixed Product <= The 1-0 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a 1-0 lender paid buydown. A portion of each monthly payment for the first 12 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 1% below the note rate. After the 12th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties, Cash-Out Refinance and Texas(a)(6) mortgages. Agency 2-1 Buydown Products Agency 30 Year Fixed 2-1 Buydown Agency 15 Year Fixed 2-1 Buydown APR APR Criteria Standard Adjustments. Applies to 15 & 30 Year Fixed Products Non-Escrowed Loans ***No charge for non-escrowed loans*** State Adjustment Zone 1: Lender Fee Lender Fee Loan Amount $250,000 - $299, (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349, Roll Down Roll Down Unit Properties Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed 2-1 Buydown 2-1 Buydown APR APR Lender Fee Lender Fee Year - FICO < Year - LTV > Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters Roll Down Roll Down Purchases or Limited Cash Out LTV>60% ***No cost 45 day rate lock available on Purchase transactions!!! Agency FICO/LTV Grid The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Applies to 30 Year Fixed Product <= The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties, Cash-Out Refinance and Texas(a)(6) mortgages.