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Axos Financial, Inc. Investor Presentation

Best-in-Class Loan Quality (%) 0.50 0.00 Total Net Charge-Offs Annualized¹ 0.02* Axos 0.23 Banks $1-10bn Loans in non-accrual to total loans¹ (%) 1.00 0.50 0.00 0.37 Axos axos 0.85 Banks $1-10bn * Excludes charge-offs related to short-term seasonal tax lending products. The charge-off amount reported by FDIC SDI (including such seasonal tax products) was 0.81%. 1. From FDIC SDI report at 6/30/2018. Total of 516 institutions included in the $1-$10 billion group. Data retrieved 10/25/2018. 27

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