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Axos Financial, Inc. Investor Presentation

Axos Financial's Three Divisions Provide the Foundation axos for Sustained Long-term Growth Securities Consumer Banking Commercial Banking Investment Thesis > Diverse mix of asset, deposit, and fee income reduces risk and provides multiple growth opportunities in varying environments > Differentiated retail digital strategy from "online savings banks" or fin-tech competitors Structural cost advantage vs. traditional banks > Differentiated distribution strategy New business initiatives generate incremental growth > Universal Digital Banking Platform and Enterprise Technology stack provide operating leverage opportunity TM > Technology synergies among divisions reduce overall cost of growth strategy LO 5

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