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Axos Financial, Inc. Investor Presentation

Axos' Business Model is Differentiated From Other Banks Customer Acquisition • Digital Marketing • Affinity and Distribution Partners • Data mining/target feeding direct marketing • Cross-selling Data Driven Insight Sales • Automated fulfillment • Inbound call center sales ● Outbound call center sales ● Minimal outside sales Significant inside sales Integrated Customer Experience Self-service • Digital journey ● Servicing Direct banker (call center) Core Digital Capabilities Digital Marketing axos Digitally Enabled Operations Distribution ● Balance sheet • Whole loan sales options ● Securitization Next-Gen Technology 3

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