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Axos Financial, Inc. Investor Presentation

Axos Customers are Highly Engaged Engagement Attributes Engagement Score (0-100) Average Lifetime Balance Average # of Services Used Average # of POS % of Total Population % of Total Balance Retention Customer Engagement Results Low Activity Low Activity User Os $100 22% 0% Moderate Note: Study conducted on Rewards Checking customers. Basic User 0 < S < 30 $4000 < 5 < 1 15% 6% Moderate High Activity Engaged 30 S 60 $6,000 7 10 41% 24% High axos Elite Engaged ≥ 60 $50,000 10 25 23% 70% High 64% of Population or 94% of Balance are Overall High Engagement 16

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