• Seller/Servicer # 153780

• Seller/Servicer # 27007-000-0

• Issuer/Servicer # 4094

• Non-supervised Mortgagee Title II # 28095-0000-6

• MHA Servicer Participant # 907649180

• Lender # 902380-00-00
• Servicer # 909999

• Licensed by the Alabama State Banking Department
• Consumer Credit License # 20690

• Licensed by the Alaska Department of Commerce, Community & Economic
• Development: Division of Banking & Securities
• Mortgage Broker/Lender License # AK35953

• Licensed by the Arizona Department of Insurance and Financial Institutions
• Mortgage Banker License # 0911088

• Licensed by the Arkansas Securities Department
• Combination Mortgage Banker-Broker-Servicer License # 104345
• Complaints regarding the servicing of your mortgage may be submitted to the Commissioner at www.securities.arkansas.gov.

• Licensed by the Arkansas State Board of Collection Agencies
• Collection Agency License # 3434, 4750, 5213, 5294, 5566

• Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
• Residential Mortgage Lending Act License # 4130973

• California Financing Law License # 60DBO-46246

• As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1- 877-FTC-HELP or www.ftc.gov

• Licensed by the Colorado Division of Real Estate
• Mortgage Company Registration

• Licensed by the Colorado Attorney General’s Office
• Supervised Lender # SUP-4000231
• Collection Agency License # CAR-1000889
• Mortgage Servicer License # MSV-9000055

• A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coag.gov/car. Our local office is located at 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552.

• Licensed by the Connecticut Department of Banking
• Mortgage Lender License # ML-35953
• Consumer Collection Agency License # CCA-35953

• Licensed by the District of Columbia Department of Insurance, Securities and Banking
• Mortgage Dual Authority License # MLB35953

• Licensed by the Delaware Office of the State Bank Commissioner
• Licensed Lender License # 10604

• Licensed by the Florida Office of Financial Regulation
• Mortgage Lender Servicer License # MLD263
• Consumer Collection Agency License # CCA9903037

• Licensed by the Georgia Department of Banking and Finance
• Mortgage Lender License/Registration # 33027

• Licensed by the Guam Department of Revenue and Taxation
• Mortgage Servicer License # 1420296

• Licensed by the Hawaii Division of Financial Institutions
• Mortgage Loan Originator Company License # HI35953
• Mortgage Servicer License # MS038
• Complaints regarding the servicing of your mortgage may be submitted to the Hawaii Office of the Commissioner of Financial Institutions, P.O. Box 2054, Honolulu, HI 96805, (808) 586-2820.

• Licensed by the Hawaii Department of Commerce and Consumer Affairs
• Exempt Out-of-State Collection Agency # COLAX-1036, COLAX-1036-1, COLAX-1036-2, COLAX-1036-3, COLAX-1036-4

• Licensed by the Idaho Department of Finance
• Mortgage Broker-Lender License # MBL-6808
• Regulated Lender License # RRL-7425

• Regulated by the State of Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, 555 West Monroe Street, 5th Floor, Chicago, Illinois 60661, 1-888-473-4858, https://idfpr.illinois.gov/
• Illinois Residential Mortgage Licensee # MB.6760595

• Licensed by the Indiana Department of Financial Institutions
• Mortgage Lending License # 10851

• Licensed by the Indiana Secretary of State Securities Division
• Collection Agency License

• Licensed by the Iowa Division of Banking
• Master Loan Company Registration # 88882761
• Mortgage Banker License # 2008-0054
• Mortgage Banker License - Other Trade Name #2 # 2024-0217

• Registered with the Office of the Attorney General of Iowa
• Creditor/Assignee Notification #2008-88513
• Debt Collector Notification #2008-88512

• Licensed by the Kansas Office of the State Bank Commissioner
• Kansas Mortgage Company License # MC.0025301

• Licensed by the Kentucky Department of Financial Institutions
• Mortgage Company License # MC23338

• Licensed by the Louisiana Office of Financial Institutions
• Residential Mortgage Lending License # LA-C-01326

• Licensed by the Maine Bureau of Consumer Credit Protection
• Supervised Lender License # 35953
• Debt Collector License # 35953

• Our operating hours are 6:00 A.M. until 6:00 P.M. Pacific Time Monday through Friday and 7:00 A.M. until 11:00 A.M. Pacific Time Saturday
• You may contact our office during business hours by calling (866) 545-9070

• Licensed by the Maryland Commissioner of Financial Regulation
• Mortgage Lender License # 35953

• Licensed by the Massachusetts Division of Banks
• Mortgage Lender License # MC35953
• Mortgage Broker License # MC35953
• Debt Collector License # DC35953

• NOTICE OF IMPORTANT RIGHTS. You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

• Licensed by the Michigan Department of Insurance and Financial Services
• 1st Mortgage Broker/Lender/Servicer Registrant # FR0021901
• 2nd Mortgage Broker/Lender/Servicer Registrant # SR0016355

• Licensed by the Minnesota Department of Commerce
• Residential Mortgage Originator License # MN-MO-40106460
• Residential Mortgage Originator License Other Trade Name #1 - License # MN-MO-35953.1
• Residential Mortgage Originator License Other Trade Name #2 - License # MN-MO-35953.2

• This is not an offer to enter into a rate lock agreement under Minnesota law

• Licensed by the Mississippi Department of Banking and Consumer Finance
• Mortgage Lender License # 35953

• Licensed by the Missouri Division of Finance
• Mortgage Company License # 35953
• In-State Branch License # 35953

• Licensed by the State of Montana Department of Administration, Division of Banking and Financial Institutions
• Mortgage Broker License # 35953
• Mortgage Lender License # 35953
• Mortgage Servicer License # 35953
• Consumer Loan License # 35953

• The State of Montana, Department of Administration, Division of Banking and Financial Institutions (Division), is the licensing agency of mortgage servicers. Any consumer with a comment, question, or concern should contact the Division by the means listed within this disclosure. State of Montana, Department of Administration, Division of Banking and Financial Institutions, 301 South Park, Suite 316, PO Box 200546, Helena, MT 59620-0546. Phone: (406) 841-2920. Fax: 406-841-2930. E-mail: . Website: https://banking.mt.gov/MortgageConsumerFinance/mortgage

• Licensed by the Nebraska Department of Banking and Finance
• Mortgage Banker License # 1985
• Mortgage Banker License - Other Trade Name #2

• Licensed by the Nevada Division of Mortgage Lending
• Mortgage Company License # 4041
• Supplemental Mortgage Servicer License # 4376
• Supplemental Mortgage Servicer License - Other Trade Name #1 (NSMC-123314)

• Registered with the Nevada Financial Institutions Division (FID)
• Nevada - FID Collection Agency License - Exempt Registration # CAX10009 / NMLS ID 35953
• Nevada - FID Collection Agency License - Alternate Location - License # CAD11852 / NMLS ID 1166419
• Nevada - FID Collection Agency Compliance Manager Certificate # CM11815 / NMLS ID 1309404

• Licensed by the New Hampshire Banking Department
• Mortgage Banker License # 35953MB

• Licensed by the N.J. Department of Banking and Insurance
• Residential Mortgage Lender License # 0805581
• RMLA Licensed Mortgage Servicer Registration

• Licensed by the New Mexico Financial Institutions Division
• Mortgage Loan Company License # 03675
• Collection Agency License # CA01096

• Licensed New York Mortgage Banker
• Mortgage Banker License # LMB 110290
• Exempt Mortgage Loan Servicer Registration #S001310
• Borrowers may file complaints about PennyMac Loan Services, LLC with the New York State Department of Financial Services. Borrower may obtain further information from the New York State Department of Financial Services by calling the Department’s Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at www.dfs.ny.gov.

• Licensed by the City of Buffalo
• Debt Collector # CAG11-551910
• Licensed by the City of Yonkers
• Debt Collector # 10214, 10215, 10216, 10217, 10218

• Licensed by the New York City Department of Consumer Affairs
• Debt Collection Agency License # 1294096-DCA, 1467388-DCA, 2038669-DCA, 2040969-DCA, 2076695-DCA, 2079363-DCA
• Debt Collection Agency License (DBA Townsgate Servicing) # 2127218-DCWP, 2127065-DCWP, 2126933-DCWP, 2127116-DCWP, 2127162-DCWP, 2127161-DCWP

PLEASE READ: Information About Your Rights as a New York City Consumer:

• There is no time limit to dispute the debt in collection. You can let collectors know you dispute the debt using any of the ways they contact you, including by phone.
• You must get a response to the disputed debt in 45 days. Once you dispute the debt, the collector must stop collection. Within 45 days after receiving your dispute, a debt collector must give you either
  1. verification of the debt, or
  2. a "Notice of Unverified Debt" stating it can't verify the debt or continue collection. Be sure to keep a copy of all letters.
• Inform the debt collector if any charges arise from medical debt. If you have a low or limited income, you may be eligible to apply for help under the "Financial Assistance Policy." Medical debt cannot be reported on your credit report.
• A translation and description of commonly-used debt collection terms is available in multiple languages on the Department's website atwww.nyc.gov/dca.
• Glossary of Common Debt Collection Terms and other resources are available in different languages atwww.nyc.gov/dcwp.

• Licensed by the New York Department of State
• Telemarketer Registration - Unique ID #68PE1000703

• Licensed by the North Carolina Commissioner of Banks
• Complaints regarding the servicing of your mortgage may be submitted to the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603, (919) 733-3016.
• Mortgage Lender License # L-153697

• Licensed by the North Carolina Department of Insurance
• Collection Agency License #119504607 - 6101 Condor Dr., Suite 200, Moorpark, CA 93021
• Collection Agency License #119505929 - 14800 Trinity Blvd., Fort Worth, TX 76155
• Collection Agency License #119506567 - 3043 Townsgate Rd., Suite 200, Westlake Village, CA 91361
• Collection Agency License #119506570 - 2201 West Plano Parkway, Suites 150 and 300, Plano, TX 75075
• Collection Agency License #119507419 - 10550 West Charleston Blvd., Suite A, Las Vegas, NV 89135

• Licensed by the North Dakota Department of Financial Institutions
• Residential Mortgage Lender # ML104271
• Residential Mortgage Loan Servicer # MS104320

• Licensed by the Ohio Division of Financial Institutions
• Ohio Residential Mortgage Lending Act Certificate of Registration # RM.850062.000

• Licensed by the Oklahoma Department of Consumer Credit Licensing
• Mortgage Broker License # MB011139
• Mortgage Lender License # ML010070
• Lender Name Registration Other Trade Name #1 # LNR14254
• Lender Name Registration Other Trade Name #2 # LNR17078
• Supervised Lender License # SL008546

• Licensed by the Oregon Division of Financial Regulation
• Mortgage Lending License # ML-4849
• Mortgage Servicer License # MS-47
• Collection Agency Registration # 49468

• Licensed by the Pennsylvania Department of Banking
• Mortgage Lender License # 24912
• Mortgage Servicer License # 67336

• Licensed by the Puerto Rico Bureau of Financial Institutions
• Mortgage Lender/Servicer (Concesionarios/Administradores de Préstamos Hipotecarios) # IH-204

• Licensed by the State of Rhode Island Department of Business Regulation
• Rhode Island Licensed Lender, Loan Broker and Mortgage Servicer
• Lender License # 20092600LL
• Loan Broker License # 20173396LB
• Third Party Loan Servicer License #20163265LS

• Licensed by the South Carolina State Board of Financial Institutions
• BFI Mortgage Lender/Servicer License # MLS-35953
• BFI Mortgage Lender/Servicer License - Other Trade Name #1 - License # MLS - 35953 OTN #1
• BFI Mortgage Lender/Servicer License - Other Trade Name #2 - License # MLS - 35953 OTN #2
• Consumer Grantor Notification # CGL-146288, # CGL-166712

• Licensed by the South Dakota Division of Banking
• Mortgage Lender License # 35953.ML

• Licensed by the Tennessee Department of Financial Institutions
• Mortgage License # 109246
• Industrial Loan and Thrift Company Registration # 178288

• Licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance
• Collection Agency # 1960

• Licensed by the Texas Department of Savings and Mortgage Lending
• SML Mortgage Banker Registration

• OCCC Regulated Loan License # 13458-154516
• For questions or complaints about your loan, contact PennyMac Loan Services, LLC at 800-777-4001. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: .

• Texas office locations:
• 14800 Trinity Blvd., Fort Worth, Texas 76155
• 2201 West Plano Parkway, Suite 150 and 300, Plano, Texas 75075
• 2301 West Plano Parkway, Suite 300, Plano, Texas 75075

• Veterans Land Board, Veterans Housing Assistance Program

• Collection Bond 52BSBFD6731

• This disclosure notice only applies to the residential mortgage loans on real estate located in Texas.
  COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550. A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at .

• Pursuant to the requirements of Texas Administrative Code, Title 7, Section §81.200(c), you are hereby notified of the following: Consumers wishing to file a complaint against a Mortgage Banker or a licensed Mortgage Banker Residential Mortgage Loan Originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint Forms and Instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at: www.sml.texas.gov.

• Licensed by the Utah Department of Financial Institutions
• Residential First Mortgage Notification # UDFI-RFMN2015
• Consumer Credit Notification

• Licensed by the Utah Division of Real Estate
• Mortgage Entity License # 6956526
• Mortgage Entity License - Other Trade Name #1 - Lic. # 14205540

• Registered with the Utah Division of Corporations and Commercial Code
• Collection Agency Certificate of Registration # 7415004-0131

• As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

• Licensed by the Vermont Department of Financial Regulation
• Lender License # LL-35953
• Lender License - Other Trade Name #1 # LL-35953-1
• Mortgage Broker License # MB-35953
• Loan Servicer License # LS-35953
• Loan Servicer License Other Trade Name #1 # LS-35953-1

• Licensed by the Virgin Islands Division of Banking, Insurance and Financial Regulation
• Mortgage Lender License # VI-MLC-35953

• Licensed by the Virginia Bureau of Financial Institutions
• Lender License # MC-5311

• Licensed by the Washington Department of Financial Institutions
• Consumer Loan Company License # CL-35953

• Collection Agency License # 602817181

• Licensed by the West Virginia Division of Financial Institutions
• Mortgage Broker License # MB-35318
• Mortgage Lender License # ML-24280

• Licensed by the West Virginia State Tax Department
• Collection Agency Registration # 2194-6465
• Consumer Credit Notification # 2194-6465

• Licensed by the Wisconsin Department of Financial Institutions
• Mortgage Banker License # 600318BA
• Consumer Act Registration

• Licensed by the Wyoming Division of Banking
• Mortgage Lender/Broker License # 1928
• Consumer Lender #CL3731