Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 39

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 39
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 to expend or risk its own funds or otherwise incur financial liability in performing its duties or exercising its rights and powers if it reasonably believes that it is not reasonably assured of repayment or adequate indemnity.

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### DESCRIPTION OF WARRANTS
We may issue warrants for the purchase of common stock. Warrants may be issued separately or together with common stock, preferred stock or debt securities and may be attached to or separate from such common stock, preferred stock or debt securities. Each series of warrants will be issued under a separate warrant agreement to be entered into between us and a bank or trust corporation, as warrant agent, all as set forth in the prospectus supplement relating to the particular issue of offered warrants. The warrant agent will act solely as our agent in connection with the warrants and will not assume any obligation or relationship of agency or trust for or with any holders of warrants or beneficial owners of warrants. Copies of the forms of warrant agreements, including the forms of warrant certificates representing the warrants, will be filed as exhibits to a document incorporated by reference into this prospectus.

This section describes the general terms and provisions of the warrants offered hereby. The applicable prospectus supplement will describe the specific terms of any issuance of warrants. You should read the particular terms of any warrants we offer in any prospectus supplement, together with the more detailed form of warrant agreement and the form of warrant certificate. The prospectus supplement also will state whether any of the terms summarized below do not apply to the warrants being offered.

#### General
The applicable prospectus supplement will describe the terms of the warrants, including the following where applicable:

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the title of the warrants;

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the offering price of the warrants, if any;

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the aggregate number of warrants;

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the designation and terms of the common stock that is purchasable upon exercise of the warrants;

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the designation and terms of the securities with which the warrants are issued and the number of warrants issued with each such security;

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the date after which the warrants and any securities issued with the warrants will be separately transferable;

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the number of shares of common stock purchasable upon exercise of a warrant and the purchase price;

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the dates on which the right to exercise the warrants begins and expires;

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the minimum or maximum number of warrants that may be exercised at any one time;

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the currency, currencies or currency units in which the offering price, if any, and the exercise price