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Introducing the Portfolio Lending Suite We’re pleased to introduce you to our suite of Portfolio Lending products. Each is designed to provide affordable solutions for borrowers who demonstrate ability to repay, but may not qualify for other loan programs for a variety of reasons. Potential borrowers include:  Borrowers who require Jumbo financing with higher qualifying ratios  Borrowers who have recently gone through a negative credit event  Borrowers with lower FICO scores or non-traditional credit histories  Borrowers with several day late payments in their credit reports  Foreign nationals who want to buy a second home for visits to the U.S.  Investors who prefer lower minimum loan amounts and unlimited properties

This product provides up to $2.5 million in funding and features higher ratios and lower FICO scores. Asset-based qualifying is available for retired prospects with income from their “nest egg” such as an IRA, 401(k), bond portfolio or severance package. Features include:  LTV ratios up to 90% with no MI requirement  DTI ratios up to 50%  LTV ratios up to 85% for a primary cash-out refi  5/1 ARM, 30-year fixed-rate and interest-only options  Minimum 660 FICO  Max cash back up to $750,000 on cash out transactions  Unlimited financed properties on primary residences  Borrowers must demonstrate ability to repay Jumbo Alternative

With higher ratios and competitive credit qualifying, Homeowner’s Access is a financing solution for borrowers who can demonstrate ability to repay, but may have a history of day late payments. First-time homebuyers and borrowers with recent unexpected credit events may also qualify. Features include:  Funding up to $1.5 million  90% Max LTV with no MI  24-month seasoning for bankruptcy, foreclosure, and deed-in-lieu  Minimum 620 FICO  No seasoning requirements for short sales  DTI ratios up to 60% with compensating factors  Borrowers must demonstrate ability to repay Homeowner’s Access

This program is designed for prospective homebuyers who recently experienced a negative credit event due to job loss or a reduction in income. Fresh Start has no seasoning requirements for such credit events, enabling potential borrowers with demonstrated ability to repay to re- establish home ownership sooner. Features include:  No mortgage or rental history requirement  Minimum 580 FICO  DTI ratios up to 50% and LTV ratios up to 85%  100% gifts from family members for down payment or reserves  Loans up to $1 million  Borrowers must demonstrate ability to repay Fresh Start

Funding for up to $2 million combined with minimum 620 FICO scoring can add up to create an innovative investment financing solution. This program also provides financing for an unlimited number of owner-occupied, second home and investment properties. Features include:  Maximum 85% LTV ratios  Loan amounts up to $2 million  Delayed financing  Minimum 620 FICO  Unlimited number of financed properties  Seller contributions up to 6% allowed  Borrowers must demonstrate ability to repay Investment

These loans provide up to $2 million in home financing to non-U.S. citizens seeking financing for a second home here in the U.S. This product also features competitive qualifying guidelines – for example, borrowers may qualify with no available FICO score. Features include:  $200,000 minimum loan amount  Financing for second homes and investment properties  Qualifying borrowers may purchase up to two homes in the U.S.  Minimum 680 FICO scoring if domestic credit is available  Maximum 70% LTV ratios  Borrowers must demonstrate ability to repay Foreign National

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