Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 10

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 10
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 risks, including: |     |                    |     |                     |
| •strategic risks                                                                                         
 •credit risks                                                                                            
 •interest rate risks                                                                                     
 •financial reporting risks                                                                               |     | •technology risks  
 •liquidity risks   
 •compliance risks  
 •operational risks |     | •reputational risks 
 •cybersecurity      
 •data privacy       
 •compensation       |

| Board                                                                                                                                                             |
| •Our Board of Directors is actively involved in oversight and review of the Company’s risk management efforts either directly or through its standing committees. |
| Management                                                                                                                                                        |
| •The Company’s management is responsible for assessing and managing risk and communicating risks to the Board of Directors.                                       |

While general oversight responsibility of risks and our ERM program is with the Board of Directors, its standing committees support the Board of Directors by regularly addressing various risks in each committee’s respective areas of oversight. Each standing committee provides reports to the Board of Directors at regular meetings concerning the activities of the committee and of the actions taken by the committee since the prior Board of Directors regular meeting.

#### Corporate Governance Principles
Our Board of Directors is committed to having sound corporate governance principles to assist in fulfilling the Board’s oversight responsibilities. These principles are essential to maintaining the Company’s integrity in the marketplace. Our Board of Directors has adopted Corporate Governance Guidelines (a copy of which is accessible at the Governance section of our website at www.axosfinancial.com ) that include a number of the practices and policies under which our Board operates, together with concepts suggested by various authorities in corporate governance and the requirements under the NYSE’s listed company rules and applicable regulations of the SEC. References to our website in this Proxy Statement are provided for convenience only and the content on our website does not constitute part of this Proxy Statement. Some of the principal subjects covered by our governance guidelines include:

| •Director Qualifications, addressing a Board candidate’s independence, experience, knowledge, skills, expertise, integrity, and ability to make independent analytical inquiries; his or her understanding of our business and the business environment in which we operate; and the candidate’s ability and willingness to devote adequate time and effort to Board responsibilities, taking into account his or her employment and other board commitments.     
 •Responsibilities of Directors, including acting in the best interests of our stockholders; maintaining independence; developing and maintaining a sound understanding of our business and the industry in which we operate; preparing for and attending Board and Board committee meetings; providing active, objective and constructive participation at those meetings; and attending regularly scheduled