Mortgage Services III, L.L.C. Home Office Ph. #: 888 …

1 Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-0717 Web Site: E-Mail: Office Ph. #: 888-664-9108 / Rate lock requests accepted until 6:00 pm central Sheet Updated as of:Rate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 Day45 Day60 Day45 Day60 Day<= $55,000 $55,001 - $75,000 $75,001 - $100, $100,001 - $150,000No $150,001++.

2 640 - 660 - 680 - 699No 700 - 719+. 720++. GRH Rate = FICO: 680 Rate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 Day45 Day60 Day45 Day60 Yr FHA/VA Programs = IRRRL w/No Appraisal is Not Available on 15 Yr15 DayAll Other FHA/VA Programs = MSI admin fee is NOT charged on the VA programsRate15-Day30 Day45 Day60 Day30 'tUSDA7/17/1 Updated:7/2 Conv:(*) Next to the program name indicates there is offsheet pricing available onlina via.

3 6/2975 & 90 day locks now available on the conforming fixed products!UW Turn Times:Working date file moved fromReview to UW:Caps: 1/5 Margin: #300215 - 30 Yr VA IRRRL w/No Appraisal *#510100 - 5/1 FHA Arm - TreasuryCaps: 1/5 Margin: DatesPrice CapsVA Program Notes#510200 - 5/1 VA Arm - TreasuryFICO AdjustmentsFHA / VA PROGRAMS#300100 - 30 Yr Fixed - FHA/Stream *#300200 - 30 Yr Fixed - VA/IRRRL *#150100 / #150113 - 15 Yr Fixed - FHA/Stream#150200 - 15 Year Fixed - VA#300010 - 30 Year Fixed *#200010 - 20 Year Fixed *#150010 - 15 Year Fixed *#300009 - 30 Year FixedUSDA - Rural Housing#300300 - 30 Year Fixed - Rural HousingLoan Amount AdjustmentsCONFORMING -- FIXED RATE PROGRAMS#300000 - 30 Year Fixed *#200000 - 20 Year

4 Fixed#150000 - 15 Year Fixed *#100000 - 10 Year Fixed(LP REQUIRED) FREDDIE MAC - CONF FIXED RATE PROGRAMS (LP REQUIRED)100% GIFT PROGRAMF irst State MortgageMod-Corr Rate sheetMarket conditions are generally:July 2, 2020(compared to previous price sheet)Unchanged!9:30 AMPage 1 of 4 First State Mortgage Services , is a wholly owned subsidiary of First State BankThis rate sheet is intended for Mortgage Professionals price paid is unless otherwise FSM-CorrespondentRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 Day45 Day60 FICO = 680 (Purchase or R/T Refi)

5 FICO = 680 (Cash Out Refi) FICO = 680 (Streamline) applicable agency adjusters apply.$20,000 - $59, Waiver : LTV <= $60,000 - $89, Escrow Waiver (ltv < 90% allowed) : LTV - $90,000 - $139, (Escrow waiver fee n/a for NY properties)75 day lock (from 60 day price) * $140,000 - $199,999No Adj2-4 day lock (from 60 day price) * $200,000 - $249,999+.375 Condo - LTV<= (> 15 yr terms)No 97 (LTV - )No Adj.$250,000 - $349,999 +.500 Condo - LTV> (> 15 yr terms) online (OB) for pricing on 5-10 financed properties$350,000 to conf non-HB limit+.

6 5502nd Homes > (FNMA) * 75 & 90 day lock only available on conforming fixed programs: #300000, #200000, #150000, #100000CO, , NM, UT, -AL, FL, IA, ID, IL, IN, KS, KY,No < 720>= 720MI, MN, MO, MT, SD, TN, >= 740No <= 75<= 8000VA, WA, WI720 - 739No <= 65>80 <= , GA, LA, MS, NC, NE, OH, OR,+.100700 - 719No >65 <=75>80 <= - 699No >75 <=90>76 <= , PA+.150660 - 679No >75 <=95>90 <= +.250640 - <= 95>95 <= - to all loan - 619N/AN/AN/AN/AN/AN/AN/AN/AAbove grid is in addition to.

7 375 sub fin Out Refi (in addition to agency) , R/T Refi (in addition to agency) out adjustments are applicable to all loan amount adj do not applyFICO<= -N/O/O: LTV <= 65%, Min 740 loans must meet State/County loan limits>= Cap = , unless otherwise - adjustments are - - - - - +740-759720-739700-719680-699660-679640- 659 UpfrontUpfrontUpfrontUpfront30 Yr LPMI - # - Yr Split MI - # Yr LPMI - # - Yr Split MI - # - Yr LPMI - # - Yr Split MI - # - Yr LPMI - #15000125 Yr Term000000015 Yr Split MI - # - Yr LPMI - #10000110 Yr Split MI - #100002(Factors listed above indicate monthly MI payment factor in additionto the upfront borrower paid premium & may vary by MI company)

8 LTV760+740-759720-739700-719680-699660-6 79640-659760+ - - - $30,000 - 74, Streamline (Min FICO = 660) * FHA cash out refi max LTV = 85%$75,000 - $119, 640 - 659 Year Term = Same as 30 yr pricing* N/O/O not allowed.$120,000 - $199,999No 660 - 679 Year Term = Same as 30 yr pricing* FHA Streamlines - SFR, O/O only$200,000 - $249,999+.250 FICO 720++.250+.250 FHA Refi (Fixed Only-Non Streamline Doc) * #250100 - 25 Year Fixed - FHA$250,000 to non-HB limit+.500 Minimum FICO: 640* #250200 - 25 Year Fixed - VA* #200100 - 20 Year Fixed - FHA* #200200 - 20 Year Fixed - VAGA, NV, , AZ, CO, TN, , CA, FL, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NM, OK, OR, PA, SC, SD, TX, VA, WA, WI, WYNo AdjustersVA ID #: 709904-00-00 FHA ID #.

9 24618-0000-2 All LPMI adjustments are in addition to the standard agency (FICO/LTV) / VA Price Adjustments (Conf & High Balance)Loan 't Program Features25-30 Yr Terms - LPMIS plit MI with FICO 760+LPMI Program #'sSplit MIProgram #'s10-20 Yr Terms - LPMILPMI Adjustments (in addition to base LPMI adj)LTVCLTVFICOHigh BalanceCash Out - Agency FICO/LTV AdjConforming Fixed LPMI & Split MI (Not applicable to HB programs)Conforming Fixed/Arm & High Balance Price AdjustmentsLoan AmountMisc. AdjustmentsState AdjustersAgency FICO/LTV AdjustmentsApplicable to all loan terms greater than 15 FinancingFICO<= - High Balance15 Year Fixed (DU) - #150017 FHA High Balance ProgramVA - Jumbo *30 Year Fixed - #300245 Same as VA High Balance PricingConventional - High BalanceFHA - High BalanceFHA Streamline - High BalanceVA - High Balance *30 Year Fixed (DU)

10 - #30001730 Year Fixed - #30011730 Year Fixed - #30014830 Year Fixed - #300217 First State MortgageMod-Corr Rate sheetHigh Balance ProgramsPage 2 of 4 First State Mortgage Services , is a wholly owned subsidiary of First State BankThis rate sheet is intended for Mortgage Professionals price paid is unless otherwise FSM-CorrespondentRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 conforming fixed/arm price adjustments from 2 Financed Purchase or R/T Refi Min Cash Out Min Home Min Prop Min is requiredMax LTV = 95%Rate15-Day30 Day45 Day60 DayRate15-Day30 Day45 Day60 DayRate15-Day30 Day45