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Axos Financial, Inc. Investor Presentation

Diversified Fee / Non-Interest Income Fee Income *Excludes securities income. Mortgage Banking Gain on Sale - - Other Deposit/ Service Fees Prepayment Fee Agency Jumbo Multifamily Structured Settlement Other Cash/Treasury Management Consumer Deposit Prepaid Tax Payments % Fee Income FY 2018* 19% 8% 67% 6% axos 18

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