Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 51

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 51
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 at the corporate trust office of the trustee or at the office of any paying agent that we may designate.

We will pay any interest on the Notes to the registered owner of the Notes at the close of business on the record date for the interest, except in the case of defaulted interest. Interest payable at maturity of the Notes will be paid to the registered holder to whom principal is payable. We may at any time designate additional paying agents or rescind the designation of any paying agent.

Subject to applicable abandoned property laws, any moneys deposited with the trustee or any paying agent, or then held by us in trust, for the payment of the principal of and interest on any subordinated note that remains unclaimed until the earlier of the date which is ten Business Days prior to the date such money would escheat to the state or two years after the principal or interest has become due and payable will, at our request, be repaid to us, or (if then held by us) be discharged from such trust. After repayment to us, you are entitled to seek payment only from us as an unsecured general creditor.

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#### Governing Law
The Subordinated Indenture and the Notes are governed by and construed in accordance with the laws of the State of New York.

#### MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS
The following discussion is a summary of the U.S. federal income tax considerations generally applicable to the acquisition, ownership and disposition of the Notes we are offering. It applies to you only if you acquire subordinated notes in this offering at their “issue price” (generally, the first price at which a substantial amount of the Notes are sold for cash to investors, not including bond houses, brokers or similar persons or organizations acting in the capacity of underwriters, placement agents or wholesalers) and you hold your subordinated notes as capital assets for U.S. federal income tax purposes (generally, property held for investment). This section does not apply to you if you are a member of a class of holders subject to special rules, such as:

• a dealer in securities,

• a trader in securities that elects to use a mark-to-market method of accounting for your securities holdings,

• a bank or other financial institution,

• a life insurance company,

• a real estate investment trust,

• a regulated investment company,

• a tax-exempt organization,

• a partnership or other pass-through entity for U.S. federal income tax purposes or