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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 Servicing • Self-service • Digital journey ● Direct banker (call center) Core Digital Capabilities Digital Marketing axos Distribution ● Balance sheet ● Whole loan sales options Digitally Enabled Operations ● Securitization Next-Gen Technology 2

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