Spreadsheet: 346c3b30-51fb-4be2-82d6-37e462978879
Sheet: Price Adjustments

 |  | TIB-The Independent BankersBank
 |  | 350 [NAME]., [NAME]
 |  | [PHONE] Toll Free//[PHONE] fax
 |  | Effective: |  |  |  | 2014-06-20 09:49:30.780000
Loan Level Price Adjustments |  |  |  |  |  | NOTE:  Minimum FICO score is 620 Conventional & 640 FHA/Rural Housing
 |  |  |  |  |  | All Price Adjustments are cumulative
 |  |  |  |  |  | Score used will be lowest middle score, all borrowers
Cash Out Refinance |  |  |  | 0.25 |  | FICO 620 - 679 and LTV <= 60.00%
 |  |  |  | 1.25 |  | FICO 620 - 659 and LTVs 60.01% to 75.00%
 |  |  |  | 2.75 |  | FICO 620 - 639 and LTVs 75.01% to 80.0%
 |  |  |  | 3 |  | FICO 620 - 639 and LTVs 80.01% to 85.0%
 |  |  |  | 2.5 |  | FICO 620 - 659 and LTVs 85.01% to 90.0%
 |  |  |  | 2.25 |  | FICO 640 - 659 and LTVs 75.01% to 80.00%
 |  |  |  | 3 |  | FICO 640 - 659 and LTVs >  80.00%
 |  |  |  | 0.25 |  | FICO 660 - 699 and LTVs <=60.00%
 |  |  |  | 0.75 |  | FICO 660 - 699 and LTVs 60.01% to 75.00%
 |  |  |  | 1.5 |  | FICO 660 - 679 and LTVs 75.01% to 80.00%
 |  |  |  | 1.375 |  | FICO 680 - 699 and LTVs 75.01% to 80.00%
 |  |  |  | 2.5 |  | FICO 660 - 699 and LTVs 80.01% to 85.0%
 |  |  |  | 2 |  | FICO 660 - 699 and LTVs above 85.00%
 |  |  |  | 0.625 |  | FICO 700 - 739 and LTVs 60.01% to 75.00%
 |  |  |  | 0.75 |  | FICO 700 - 739 and LTVs 75.01% to 80.00%
 |  |  |  | 1.5 |  | FICO 700 - 739 and LTVs  80.01% - 85.00%
 |  |  |  | 1 |  | FICO 700 - 739 and LTVs > 85.00%
 |  |  |  | 0.25 |  | FICO > 739 and LTVs 60.01% to 75.00%
 |  |  |  | 0.5 |  | FICO > 739 and LTVs 75.01% to 80.00%
 |  |  |  | 0.625 |  | FICO > 739 and LTVs above 80.00%
Texas Equity Section 50 |  |  |  | 0.75 |  | All LTVS & All Credit Scores
Investment Loans (NOO) |  |  |  | 1.75 |  | LTVs of 75.00% and less
 |  |  |  | 3 |  | LTVs 75.01% to 80.00%
 |  |  |  | 3.75 |  | LTVs above 80.00%
Loan Amount |  |  |  | 1 |  | Loan Balances less than $40,000
Credit Score |  |  |  | 0.125 |  | FICO Range  680 - 739
 |  |  |  | 0.25 |  | FICO Range 620 - 679
Credit Score & LTV: |  |  |  | 0.5 |  | FICO 620 - 659 and LTVs <= 60.00%
Does not Apply to terms |  |  |  | 1.5 |  | FICO 620 - 639 and LTVs 60.01% to 70.00%
Of 15 Years or Less |  |  |  | 3 |  | FICO 620 - 639 and LTVs 70.01% to 80.00%
 |  |  |  | 3.25 |  | FICO 620 - 639 and LTVs > 80.00%
 |  |  |  | 1.25 |  | FICO 640 - 659 and LTVs 60.01% to 70.00%
 |  |  |  | 2.75 |  | FICO 640 - 659 and LTVs 70.00% to 75.00%
 |  |  |  | 3 |  | FICO 640 - 659 and LTVs 75.01% to 80.00%
 |  |  |  | 3.25 |  | FICO 640 - 659 and LTVs 80.01% to 85.00%
 |  |  |  | 2.75 |  | FICO 640 - 659 and LTVs > 85.00%
 |  |  |  | 1 |  | FICO 660 - 679 and LTVs 60.01% to 70.00%
 |  |  |  | 2.25 |  | FICO 660 - 679 and LTVs  70.00% to 75.00%
 |  |  |  | 2.75 |  | FICO 660 - 679 and LTVs 75.01% to 80.00%
 |  |  |  | 2.75 |  | FICO 660 - 679 and LTVs  80.01% to 85.00%
 |  |  |  | 2.25 |  | FICO 660 - 679 and LTVs > 85.00%
 |  |  |  | 0.5 |  | FICO 680 - 699 and LTVs 60.01% to 70.00%
 |  |  |  | 1.25 |  | FICO 680 - 699 and LTVs  70.01% to 75.00%
 |  |  |  | 1.75 |  | FICO 680 - 699 and LTVs 75.01% to 80.00%
 |  |  |  | 1.5 |  | FICO 680 - 699 and LTVs 80.01% to 85.00%
 |  |  |  | 1.25 |  | FICO 680 - 699 and LTVs > 85.00%
 |  |  |  | 0.5 |  | FICO 700 - 719 and LTVs  60.01% to 70.00%
 |  |  |  | 0.75 |  | FICO 700 - 719 and LTVs 70.01% to 75.00%
 |  |  |  | 1 |  | FICO 700 - 719 and LTVs  > 75.00%
 |  |  |  | 0.25 |  | FICO 720 - 739 and LTV 70.01% to 75.00%
 |  |  |  | 0.5 |  | FICO 720 - 739 and LTVs  > 75.00%
 |  |  |  | -0.25 |  | FICO 700 & > and LTV 60% and < then .25 credit given
 |  |  |  | 0.25 |  | FICO >= 740 and LTV > 75.00%
[NAME]: |  |  |  | 0.25 |  | All loans,  only available for LTVs < 80%
Two Unit Properties |  |  |  | 1 |  | All LTVs
Three to Four Unit Properties |  |  |  | 1 |  | All LTVs
California Condominium Projects |  |  |  | 1 |  | LP All LTVs - Currently this product is suspended
Condominiums |  |  |  | 0.75 |  | All LTVs > 75.00% - Currently this product is suspended
Loans with Subordinate Financing |  |  |  | 0.5 |  | LTV <= 65.00%  & CLTV 80.01% to 95.0% & Credit Sc < 720
 |  |  |  | 0.25 |  | LTV <= 65.00%  & CLTV 80.01% to 95.0% & Credit Sc >= 720
 |  |  |  | 0.75 |  | LTV 65.01% to 75.0% & CLTV 80.01% to 95.0% & Credit Sc < 720
 |  |  |  | 0.5 |  | LTV 65.01% to 75.0% & CLTV 80.01% to 95.0% & Credit Sc > 720
 |  |  |  | 1 |  | LTV 75.01% to 95.0% & CLTV 90.01% to 95.0% & Credit Sc < 720
 |  |  |  | 0.75 |  | LTV 75.01% to 95.0% & CLTV 90.01% to 95.0% & Credit Sc > 720
 |  |  |  | 1 |  | LTV 75.01% to 90.0% & CLTV 76.01% to 90.0% & Credit Sc < 720
 |  |  |  | 0.75 |  | LTV 75.01% to 90.0% & CLTV 76.01% to 90.0% & Credit Sc > 720
 |  |  |  | 1.5 |  | DU Flexible Mortgage and CLTV > 95% -  - Case by Case
 |  |  |  |  |  | Verify with Secondary
Credit Score & LTV -DU Refi Plus: |  |  |  | 0.5 |  | FICO  < 620  and LTVs <= 60.0%
 |  |  |  | 1.5 |  | FICO  < 620  and LTVs 60.01 to 70.00%
 |  |  |  | 3 |  | FICO  < 620  and LTVs > 70.00%
 |  |  |  | 0.5 |  | FICO 620 - 639 and LTVs <= 60.00%
 |  |  |  | 1.5 |  | FICO 620 - 639 and LTVs 60.01% to 70.00%
 |  |  |  | 2.5 |  | FICO 620 - 639 and LTVs 70.01% to 75.00%
 |  |  |  | 2.75 |  | FICO 620 - 639 and LTVs 75.01% to 85.00%
 |  |  |  | 2.75 |  | FICO 620 - 639 and LTVs > 85.00%
 |  |  |  | 0.5 |  | FICO 640 - 659 and LTVs <= 60.00%
 |  |  |  | 1.25 |  | FICO 640 - 659 and LTVs 60.01% to 70.00%
 |  |  |  | 2 |  | FICO 640 - 659 and LTVs 70.00% to 75.00%
 |  |  |  | 2.25 |  | FICO 640 - 659 and LTVs 75.01% to 80.00%
 |  |  |  | 2.25 |  | FICO 640 - 659 and LTVs 80.01% to 85.00%
 |  |  |  | 2.25 |  | FICO 640 - 659 and LTVs > 85.00%
 |  |  |  | 1 |  | FICO 660 - 679 and LTVs 60.01% to 70.00%
 |  |  |  | 1.5 |  | FICO 660 - 679 and LTVs  70.00% to 75.00%
 |  |  |  | 1.75 |  | FICO 660 - 679 and LTVs 75.01% to 80.00%
 |  |  |  | 1.75 |  | FICO 660 - 679 and LTVs  80.01% to 85.00%
 |  |  |  | 1.75 |  | FICO 660 - 679 and LTVs > 85.00%
 |  |  |  | 0.5 |  | FICO 680 - 699 and LTVs 60.01% to 70.00%
 |  |  |  | 0.75 |  | FICO 680 - 699 and LTVs  70.01% to 75.00%
 |  |  |  | 0.75 |  | FICO 680 - 699 and LTVs 75.01% to 80.00%
 |  |  |  | 0.75 |  | FICO 680 - 699 and LTVs 80.01% to 85.00%
 |  |  |  | 0.75 |  | FICO 680 - 699 and LTVs > 85.00%
 |  |  |  | 0.5 |  | FICO 700 - 719 and LTVs  60.01% to 70.00%
 |  |  |  | 0.5 |  | FICO 700 - 719 and LTVs 70.01% to 80.00%
 |  |  |  | 0.5 |  | FICO 700 - 719 and LTVs > 80.00%
 |  |  |  | -0.25 |  | FICO 700 & > and LTV 60% and < then .25 credit given
 |  |  |  |  |  | Score used will be lowest middle score, all borrowers
 |  |  |  |  |  | Does not apply to mortgage terms of 15 years or less
High LTV |  |  |  | 0.75 |  | LTVs 95.01% to 97.00%
High LTV -DU Refi Plus: |  |  |  | 0.5 |  | LTVs 95.01% to 97.00%
 |  |  |  | 1 |  | LTVs 97.01% and greater   case by case approval
CLTV DU Refi Plus |  |  |  | 0.5 |  | LTV 65.01% to 75.00%  & CLTV 90.01- 95% & Credit Score <720
 |  |  |  | 0.25 |  | LTV 65.01% to 75.00%  & CLTV 90.01- 95% & Credit Score > =720
 |  |  |  | 0.5 |  | LTV 75.01% to 95.00% & CLTV 90.01% - 95.00% & CS < 720
 |  |  |  | 0.25 |  | LTV 75.01% to 95.00% & CLTV 90.01% - 95.00% & CS >= 720
 |  |  |  | 0.25 |  | LTV 75.01% to 90.00% & CLTV 76.01% - 90.00% & CS < 720
 |  |  |  | 1.5 |  | Any LTV & Credit Score when CLTV > 95.00%