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Axos Financial, Inc. Investor Presentation

Loan Origination Growth $ Billions 8 7 CO 6 LO 5 4 3 2 1 0 2.1 1.1 1.0 Fiscal Year Loan Originations 2013 Annual growth rate 3.0 0.7 2.3 28.5% 5-yr CAGR 4.3 1.0 3.3 2014 2015 5.0 Loans for sale 1.4 3.6 5.6 1.4 4.2 2016 2017 7.5 1.6 5.9 2018 42.0% 42.2% 15.6% 11.2% 34.7% Loans for investment ● axos Future Plans > Organic growth in existing business lines Multifamily geographic expansion Agency and jumbo mortgage channel expansion Small Balance Commercial Real Estate expansion Large Balance Commercial / Specialty Real Estate expansion > Additional C&I verticals/product expansion > Retail auto lending launch > Consumer unsecured installment lending launch 12

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