Company: AX
Filing Date: 2025-09-17
Form Type: 424B5
Source: 0001299709-25-000159
Chunk: 84

Company: Axos Financial, Inc.
Filing Date: 2025-09-17
Form: 424B5
Chunk 84
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); (d) any action to interpret, apply, enforce or determine the validity of our certificate of incorporation or our

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bylaws; or (e) any action asserting a claim against the corporation governed by the internal affairs doctrine; in each case, subject to said court having personal jurisdiction over the indispensable parties named as defendants therein; and

• unless the corporation consents in writing to the selection of an alternative forum, the federal district courts of the United States of America shall, to the fullest extent permitted by law, be the sole and exclusive forum for the resolution of any complaint asserting a cause of action arising under the Securities Act.

#### Restrictions on Ownership
The ability of a third party to acquire us is limited under applicable U.S. banking laws and regulations. Our company is a unitary savings and loan holding company within the meaning of the Home Owners’ Loan Act (“HOLA”), and is treated as a “financial holding company” under Federal Reserve rules. Accordingly, our company is registered as a savings and loan holding company with the Federal Reserve and is subject to the Federal Reserve’s regulations, examinations, supervision and reporting requirements. Federal banking laws require that appropriate regulatory approvals must be obtained before an individual or company may take actions to “control” a bank or savings association. The definition of control found in the HOLA is similar to that found in the Bank Holding Company Act of 1956 (“BHCA”) for bank holding companies. Both statutes apply a similar three-prong test for determining when a company controls a bank or savings association. Specifically, a company has control over either a bank or savings association if the company:

• directly or indirectly or acting in concert with one or more persons, owns, controls, or has the power to vote 25% or more of the voting securities of the bank or savings association;

• controls in any manner the election of a majority of the directors (or any individual who performs similar functions in respect of any company, including a trustee under a trust) of the board of the bank or savings association; or

• directly or indirectly exercises a controlling influence over the management or policies of the bank or savings association.

On January 30, 2020, the Board of Governors of the Federal Reserve System issued a final rule that revised the rules for determining when a company has control over another company under both the BHCA and the HOLA, particularly with respect to the third prong of the above control test.

In addition, Regulation LL, which was issued in