BofI Holding, Inc. Sample Contracts

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INDENTURE BETWEEN BOFI HOLDING, INC. AND AS TRUSTEE DATED AS OF , 20 SENIOR DEBT SECURITIES (Issuable in Series)
Indenture • February 28th, 2012 • BofI Holding, Inc. • Savings institution, federally chartered • New York

INDENTURE, dated as of , between BOFI HOLDING, INC., a Delaware corporation (the “Company”), having its principal office at , and , as trustee, (the “Trustee”), the office of the Trustee at which at the date hereof its corporate trust business is principally administered being .

INDENTURE BY AND BETWEEN BOFI HOLDING, INC. AND AS TRUSTEE DATED AS OF MARCH 3, 2016 SUBORDINATED DEBT SECURITIES
Indenture • March 3rd, 2016 • BofI Holding, Inc. • Savings institution, federally chartered • New York

INDENTURE, dated as of March 3, 2016, by and between BOFI HOLDING, INC., a Delaware corporation (the “ Company”), having its principal office at 4350 La Jolla Village Drive, Suite 140, San Diego, California 92122, and U.S. BANK NATIONAL ASSOCIATION, a national banking association organized under the laws of the United States , as trustee, (the “ Trustee”), the office of the Trustee at which at the date hereof the corporate trust transactions contemplated by this Indenture being located at 633 West Fifth Street, 24th Floor, Los Angeles, CA 90071. .

INDENTURE BY AND BETWEEN AXOS FINANCIAL, INC. AND AS TRUSTEE DATED AS OF __________, 20__ DEBT SECURITIES (Issuable in Series)
Indenture • February 29th, 2024 • Axos Financial, Inc. • Savings institution, federally chartered • New York
BofI Holding, Inc. 6% Series B Non-Cumulative Perpetual Convertible Preferred Stock PLACEMENT AGENT AGREEMENT
Placement Agent Agreement • October 4th, 2011 • BofI Holding, Inc. • Savings institution, federally chartered • California
RECITALS
Employment Agreement • December 16th, 2004 • BofI Holding, Inc. • California
BOFI HOLDING INC.
Underwriting Agreement • February 26th, 2016 • BofI Holding, Inc. • Savings institution, federally chartered • New York

BofI Holding, Inc., a Delaware corporation (the “Company”), proposes, subject to the conditions hereinafter stated, to issue and sell to the public through the several Underwriters named in Schedule I attached hereto (the “Underwriters”), an aggregate principal amount of $45,000,000 of the Company’s 6.25% Subordinated Notes due 2026 (the “Firm Securities”), pursuant to and in accordance with the terms and conditions of this underwriting agreement (this “Agreement”) in connection with the public offering (the “Offering”) and sale of the Firm Securities. In addition, the Company proposes to issue and sell to the Underwriters, upon the terms and conditions set forth in Section 3(b) hereof, up to an additional $6,750,000 aggregate principal amount of the Company’s 6.25% Subordinated Notes due 2026 (the “Optional Securities”). The Firm Securities and the Optional Securities are, collectively, hereinafter called the “Securities.” The Securities are to be issued pursuant to the provisions of

INDENTURE BY AND BETWEEN BOFI HOLDING, INC. AND AS TRUSTEE DATED AS OF , 20 SENIOR DEBT SECURITIES
Indenture • March 5th, 2018 • BofI Holding, Inc. • Savings institution, federally chartered • New York

INDENTURE, dated as of , between BOFI HOLDING, INC., a Delaware corporation (the “ Company”), having its principal office at , and, as trustee, (the “ Trustee”), the office of the Trustee at which at the date hereof its corporate trust business is principally administered being.

BOFI HOLDING, INC. 1,066,327 Shares of Common Stock UNDERWRITING AGREEMENT
Underwriting Agreement • April 5th, 2010 • BofI Holding, Inc. • Savings institution, federally chartered • New York

BofI Holding, Inc., a Delaware corporation (the “Company”), proposes, to issue and sell to B. Riley & Co., LLC (the “Underwriter”), pursuant to this Underwriting Agreement (this “Agreement”) an aggregate of 1,066,327 shares (the “Firm Shares”) of common stock, $0.01 par value (the “Common Stock”), of the Company. In addition, solely for the purpose of covering over-allotments, the Company proposes to grant to the Underwriter the option to purchase from the Company up to an additional 159,949 shares of Common Stock (the “Additional Shares”). The Firm Shares and the Additional Shares are hereinafter collectively referred to as the “Shares.” The Shares are described in the Prospectus which is referred to below.

INDENTURE BY AND BETWEEN AXOS FINANCIAL, INC. AND AS TRUSTEE DATED AS OF __________, 20__ SUBORDINATED DEBT SECURITIES (Issuable in Series)
Indenture • March 2nd, 2021 • Axos Financial, Inc. • Savings institution, federally chartered • New York
DocuSign Envelope ID: 43B24BFE-6B71-40B5-9EAC-4FF499B872E1 OFFICE SPACE LEASE BETWEEN PACIFICA TOWER LLC AND BOFI HOLDING, INC.
Office Space Lease • May 18th, 2018 • BofI Holding, Inc. • Savings institution, federally chartered • Delaware
RECITALS
Employment Agreement • December 16th, 2004 • BofI Holding, Inc. • California
2,250,000 Shares BofI Holding, Inc. Common Stock UNDERWRITING AGREEMENT
Underwriting Agreement • March 11th, 2005 • BofI Holding, Inc. • Savings institution, federally chartered • New York

BofI Holding, Inc., a Delaware corporation (the “Company”) proposes, subject to the terms and conditions contained herein, to sell to you and the other underwriters named on Schedule I to this Agreement (the “Underwriters”), for whom you are acting as Representative (the “Representative”), an aggregate of 2,250,000 shares (the “Firm Shares”) of the Company’s common stock, $0.01 par value per share (the “Common Stock”). The respective amounts of the Firm Shares to be purchased by each of the several Underwriters are set forth opposite their names on Schedule I hereto. In addition, the Company proposes to grant to the Underwriters an option to purchase up to an additional 337,500 shares (the “Option Shares”) of Common Stock from the Company for the purpose of covering over-allotments in connection with the sale of the Firm Shares. The Firm Shares and the Option Shares are collectively called the “Shares.”

BofI Holding, Inc. 750,000 Shares of Common Stock UNDERWRITING AGREEMENT
Underwriting Agreement • December 12th, 2011 • BofI Holding, Inc. • Savings institution, federally chartered • California
INDENTURE BETWEEN BOFI HOLDING, INC. AND AS TRUSTEE DATED AS OF , 20 SENIOR DEBT SECURITIES
Indenture • February 20th, 2015 • BofI Holding, Inc. • Savings institution, federally chartered • New York

INDENTURE, dated as of , between BOFI HOLDING, INC., a Delaware corporation (the “Company”), having its principal office at , and , as trustee, (the “Trustee”), the office of the Trustee at which at the date hereof its corporate trust business is principally administered being .

EQUITY DISTRIBUTION AGREEMENT
Equity Distribution Agreement • February 24th, 2015 • BofI Holding, Inc. • Savings institution, federally chartered • New York
SUBSCRIPTION AGREEMENT
Subscription Agreement • October 4th, 2011 • BofI Holding, Inc. • Savings institution, federally chartered • New York
PURCHASE AND ASSUMPTION AGREEMENT
Purchase and Assumption Agreement • August 3rd, 2018 • BofI Holding, Inc. • Savings institution, federally chartered • Delaware

This PURCHASE AND ASSUMPTION AGREEMENT (this “Agreement”) is made as of August 2, 2018, by and between Nationwide Bank, a federal savings bank (“Seller”), and BofI Federal Bank, a federal savings bank (“Purchaser”). Each of Seller and Purchaser may be referred to, individually, as a “Party” or, collectively, as the “Parties.”

SECOND SUPPLEMENTAL INDENTURE
Second Supplemental Indenture • September 18th, 2020 • Axos Financial, Inc. • Savings institution, federally chartered • New York

SECOND SUPPLEMENTAL INDENTURE, dated as of September 18, 2020 (this “Second Supplemental Indenture”), by and between AXOS FINANCIAL, INC. (formerly known as BofI Holding, Inc.), a Delaware corporation (the “Company”), and U.S. BANK NATIONAL ASSOCIATION, a national banking association, as Trustee (the “Trustee”).

BOFI HOLDING, INC. AND as Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of March 3, 2016
First Supplemental Indenture • March 3rd, 2016 • BofI Holding, Inc. • Savings institution, federally chartered • New York

THIS FIRST SUPPLEMENTAL INDENTURE (this “First Supplemental Indenture”), dated as of March 3, 2016, is between BOFI HOLDING, INC., a Delaware corporation (the “Company”), and U.S. BANK NATIONAL ASSOCIATION, a national banking association, as Trustee (the “Trustee”).

DIGITLORDsm WEBSITE LEASE AGREEMENT
Website Lease Agreement • April 2nd, 2007 • BofI Holding, Inc. • Savings institution, federally chartered • California

This Website Lease Agreement (“Agreement”) is entered into effective as of March1, 2007, by and between Bank of Internet USA, a federal savings bank (“Tenant”) and. CWI, Inc., a Kentucky Corporation (“Digitlord”).

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FIRST AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • October 30th, 2024 • Axos Financial, Inc. • Savings institution, federally chartered

This FIRST AMENDMENT (this “Amendment”), dated as of September 22, 2024, to that certain Amended and Restated Employment Agreement effective as of September 23, 2021 (the “Agreement”) by and between Andrew Micheletti, (“Executive”), Axos Financial, Inc. (“Company”) and Axos Bank (“Bank”; and together with Executive and the Company, the “Parties”), is hereby entered into by and between the Parties.

FIRST AMENDED EMPLOYMENT AGREEMENT
Employment Agreement • April 28th, 2010 • BofI Holding, Inc. • Savings institution, federally chartered • California

This First Amended Employment Agreement (the “Agreement”) is dated April 22, 2010 for reference purposes and entered into as of July 1, 2009 (the “Effective Date”), by and between Bank of Internet USA, a federal savings bank (“Bank”), having a principal place of business at 12777 High Bluff Drive, Suite 100, San Diego, California, and Andrew Micheletti (“Executive”), whose address is 12777 High Bluff Drive, Suite 100, San Diego, CA 92130. Bank and Executive are sometimes collectively referred to in this Agreement as the “Parties.” As used in this Agreement, the term “Effective Date” means the date this First Amended Employment Agreement becomes effective.

FIRST AMENDMENT TO LEASE (Highlands Plaza II)
Lease • May 6th, 2010 • BofI Holding, Inc. • Savings institution, federally chartered

THIS FIRST AMENDMENT TO LEASE (“First Amendment”) is made and entered into as of the 18th day of March, 2010, by and between ARDEN REALTY LIMITED PARTNERSHIP, a Maryland limited partnership (“Landlord”), and BANK OF INTERNET USA, a federal savings bank (“Tenant”).

AXOS FINANCIAL, INC. AMENDED AND RESTATED RESTRICTED STOCK UNIT AGREEMENT
Restricted Stock Unit Agreement • April 30th, 2024 • Axos Financial, Inc. • Savings institution, federally chartered

THIS AGREEMENT made as of the Date of Grant (the “Grant Date”) as stated on the Restricted Stock Unit Grant Notice (the “Notice”), by and between Axos Financial, Inc. (the “Company”), and the participant (the “Awardee”) named on the Notice.

AMENDED AND RESTATED EMPLOYMENT AGREEMENT by and between Gregory Garrabrants and BofI Holding, Inc. and Subsidiaries dated as of May 26, 2011
Employment Agreement • May 27th, 2011 • BofI Holding, Inc. • Savings institution, federally chartered

THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (the “Agreement”) is entered into as of May 26th, 2011 (the “Effective Date”) by and between BofI Holding, Inc and Bank of Internet USA, a federal savings bank (collectively “Employer”) and Gregory Garrabrants “Officer”).

SAMPLE Exchange Agreement
Exchange Agreement • May 28th, 2009 • BofI Holding, Inc. • Savings institution, federally chartered

Whereas, B of I Holding, Inc. (Company) has issued non-qualified stock options to Director on August 13, 1999 under its 1999 Amended and Restated Stock Option Plan (1999 Plan) ;

SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT
Employment Agreement • July 7th, 2017 • BofI Holding, Inc. • Savings institution, federally chartered

THIS SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT (the “Agreement”) is entered into as of June 30, 2017 (the “Effective Date”) by and between BofI Holding, Inc. and BofI Federal Bank, a federal savings bank (collectively “Employer”) and Gregory Garrabrants (“Officer”). The Employer and its Affiliates shall be defined as the “Company.”

AMENDED AND RESTATED EMPLOYMENT AGREEMENT
Employment Agreement • November 10th, 2005 • BofI Holding, Inc. • Savings institution, federally chartered • California

This Amended and Restated Employment Agreement (the "Agreement") is dated for reference purposes and entered into as of October 1, 2005 (the "Effective Date"), by and between Bank of Internet USA, a federal savings bank (the "Bank”), and Patrick Dunn, an individual (the "Employee"). Bank and Employee are sometimes collectively referred to in this Agreement as the "Parties" and individually as a “Party.”

AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • March 6th, 2008 • BofI Holding, Inc. • Savings institution, federally chartered

This Amendment to the Employment Agreement dated July 1, 2003 (the “Amendment”) is entered into on March 5th, 2008 (the “Effective Date”) by and between Bank of Internet USA, a federal savings bank (“Bank”), and Gary Lewis Evans (“Executive”). Bank and Executive are sometimes collectively referred to in this Amendment as the “Parties.”

AGREEMENT AND PLAN OF MERGER by and among AXOS CLEARING, LLC, AXOS CLARITY MERGECO., INC., COR SECURITIES HOLDINGS INC., the SELLERS set forth on the signature pages hereto, and CARLOS SALAS, solely for purposes of Sections 2.4, 2.5, 2.7, 2.8, 6.9 and...
Merger Agreement • October 1st, 2018 • Axos Financial, Inc. • Savings institution, federally chartered • Delaware

Agreement and Plan of Merger (“Agreement”), dated as of September 28, 2018, by and among AXOS CLEARING, LLC, a Nevada limited liability company (“Parent”), Axos Clarity MergeCo., Inc., a Delaware corporation and wholly-owned subsidiary of Parent (“Merger Sub”), COR Securities Holdings Inc., a Delaware corporation (“Company”), the Sellers set forth on the signature pages hereto (each, a “Seller,” and collectively the “Sellers”), and Carlos Salas, an individual, solely for purposes of Sections 2.4, 2.5, 2.7, 2.8, 6.9 and 9.4 and Article VIII, in his capacity as the Holder Representative.

OFFICE SPACE LEASE BETWEEN
Office Lease Agreement • December 9th, 2011 • BofI Holding, Inc. • Savings institution, federally chartered • California

THIS LEASE is made as of the day of , 2011, by and between 4350 LA JOLLA VILLAGE LLC, a Delaware limited liability company, hereafter called “Landlord,” and BOFI HOLDING, INC., a Delaware corporation, hereafter called “Tenant.”

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