Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 81

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 81
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 Bank. Loans are made only to persons affiliated with the Company and the Bank if they do not involve more than the normal risk of collectability of loans made to non-affiliated persons and if they do not present any other unfavorable features. As discussed above, the Bank offers the Loan Program under which each eligible borrower may obtain loans to finance the purchase, construction, maintenance or improvement of a primary residence for terms of 9 years to 30 years at interest rates that are below market rates (which is partly attributable to a pledge by the borrower of acceptable collateral, and may include Company stock) on loans made to persons unaffiliated with the Bank and the Company. Outstanding loans to all directors and executives who elected to participate in the Loan Program made up approximately 31% of the total balance outstanding for the Loan Program. As of June 30, 2025, none of the loans under the Loan Program or to our directors or officers were classified by the Bank as non-accrual, past due, restructured or potential problem loans.

| 75 |

#### Other Items
The table below provides information on our employee loans and the directors and executive officers who participated in the Loan Program:

| (in thousands)                                      
 Name                                                |     | Largest Aggregate              
 Principal Outstanding for 2025 |     |         |     | Principal      
 Outstanding at 
 June 30, 2025  |     |          |     | Principal Paid During 2025 |     |       |     | Interest Paid 
 During 2025   |     |      |     | Loans Paid off during 2025 |     |   |     | Interest Rate  
 Payable (%)(1) |     |      |   |
|:----------------------------------------------------|:----|:-------------------------------|:----|--------:|:----|:---------------|:----|---------:|:----|:---------------------------|:----|------:|:----|:--------------|:----|-----:|:----|:---------------------------|:----|:--|:----|:---------------|:----|-----:|:--|
| Greg Garrabrants                                    
 Chief Executive Officer                             |     | $                              |     | 8,458.3 |     | $              |     |  8,089.5 |     | $                          |     | 368.8 |     | $             |     | 35.4 |     | $                          |     | — |     |                |     | 0.43