<SEC-DOCUMENT>0001019056-13-000471.txt : 20130403
<SEC-HEADER>0001019056-13-000471.hdr.sgml : 20130403
<ACCEPTANCE-DATETIME>20130403130126
ACCESSION NUMBER:		0001019056-13-000471
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		10
CONFORMED PERIOD OF REPORT:	20130403
FILED AS OF DATE:		20130403
DATE AS OF CHANGE:		20130403
EFFECTIVENESS DATE:		20130403

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OCWEN FINANCIAL CORP
		CENTRAL INDEX KEY:			0000873860
		STANDARD INDUSTRIAL CLASSIFICATION:	MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162]
		IRS NUMBER:				650039856
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13219
		FILM NUMBER:		13738746

	BUSINESS ADDRESS:	
		STREET 1:		2002 SUMMIT BOULEVARD
		STREET 2:		6TH FLOOR
		CITY:			ATLANTA
		STATE:			2Q
		ZIP:			30319
		BUSINESS PHONE:		561-682-8000

	MAIL ADDRESS:	
		STREET 1:		2002 SUMMIT BOULEVARD
		STREET 2:		6TH FLOOR
		CITY:			ATLANTA
		STATE:			2Q
		ZIP:			30319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OCWEN FINANCIAL Corp
		DATE OF NAME CHANGE:	20110224

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OCWEN FINANCIAL CORP
		DATE OF NAME CHANGE:	19960516
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>ocn_def14a.htm
<DESCRIPTION>DEFINITIVE 14A
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<DIV STYLE="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&nbsp;</DIV>

<DIV STYLE="text-align: center; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: bold 14pt Times New Roman">UNITED STATES</FONT></DIV>

<DIV STYLE="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">
<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: bold 14pt Times New Roman">SECURITIES AND EXCHANGE COMMISSION</FONT></DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: bold 12pt Times New Roman">Washington, D.C. 20549</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: bold 18pt Times New Roman">SCHEDULE 14A INFORMATION</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 12pt Times New Roman">Proxy Statement Pursuant to Section 14(a) of the</FONT></DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 12pt Times New Roman">Securities Exchange Act of 1934</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">Filed by the Registrant <FONT FACE="Wingdings" STYLE="display: inline">x</FONT></FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">Filed by a Party other than the Registrant <FONT FACE="Wingdings" STYLE="display: inline">o</FONT></FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">Check the appropriate box:</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">o</FONT><FONT STYLE="letter-spacing: 4pt">&#160;&#160;&#160;</FONT>&#160;Preliminary Proxy Statement</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">o</FONT><FONT STYLE="letter-spacing: 4pt">&#160;&#160;&#160;</FONT>&#160;Confidential, For Use of the Commission only (as permitted by Rule 14a-6(e)(2))</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">x</FONT><FONT STYLE="letter-spacing: 4pt">&#160;&#160;&#160;</FONT>Definitive Proxy Statement</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">o</FONT><FONT STYLE="letter-spacing: 4pt">&#160;&#160;&#160;</FONT>&#160;Definitive Additional Materials</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">o</FONT><FONT ID="TAB2" STYLE="letter-spacing: 4pt">&#160;&#160;&#160;</FONT>&#160;Soliciting Material Pursuant to ss.240.14a-12</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 36pt; margin-right: 0pt"><FONT SIZE="2">&#160;</FONT></DIV>

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<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: bold 24pt times new roman">OCWEN FINANCIAL CORPORATION</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="78%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160;</FONT></TD>
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<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">(Name of Registrant as Specified in its Charter)</FONT></DIV>
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<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">N/A</FONT></DIV>

<DIV ALIGN="CENTER" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt">&#160;</DIV>

<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman">Payment of Filing Fee (Check the appropriate box):</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">x</FONT> No Fee Required</FONT></DIV>

<DIV ALIGN="JUSTIFY" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt Times New Roman"><FONT FACE="Wingdings" STYLE="display: inline">o</FONT> Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11</FONT></DIV>

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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">1)</FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Title of each class of securities to which transaction applies: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">2)</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Aggregate number of securities to which the transaction applies: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">3)</FONT></DIV>
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<DIV STYLE="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (Set forth the amount on which the filing fee is calculated and state how it was determined.): N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">4)</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Proposed maximum aggregate value of transaction: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="4%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">5)</FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Total fee paid:</FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman"><FONT STYLE="display: inline; font-family: wingdings">o</FONT></FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Fee paid previously with preliminary materials.</FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman"><FONT STYLE="display: inline; font-family: wingdings">o</FONT></FONT></DIV>
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<DIV STYLE="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">1)</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="93%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Amount Previously Paid: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="4%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">2)</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Form, Schedule or Registration Statement No.: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
</TR><TR>
<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="4%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">3)</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="93%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Filing Party: N/A</FONT></DIV>
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<TD VALIGN="TOP" WIDTH="4%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD VALIGN="TOP" WIDTH="93%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
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<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">4)</FONT></DIV>
</TD>
<TD VALIGN="TOP" WIDTH="3%"><FONT STYLE="display: inline; font: 10pt times new roman">&#160; </FONT></TD>
<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="93%">
<DIV ALIGN="LEFT" STYLE="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font: 10pt times new roman">Date Filed: N/A</FONT></DIV>
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<P STYLE="font: 9pt Sans-Serif; margin: 0 0 0 0.25in; text-align: center; text-indent: -0.25in; color: Red"></P>

<P STYLE="font: 9pt Sans-Serif; margin: 0 0 0 0.25in; text-align: center; text-indent: -0.25in; color: Red"><IMG SRC="ocwenps001_v1.jpg" ALT="(OCWEN LOGO)"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center; text-indent: -0.25in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">April 3, 2013</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Dear Fellow Shareholder:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">On behalf of the Board of Directors, I cordially
invite you to attend the Annual Meeting of Shareholders of Ocwen Financial Corporation which will be held at the offices of the
Company located at 2002 Summit Boulevard, 6<SUP>th</SUP> Floor, Atlanta, Georgia 30319, on Wednesday, May 8, 2013, at 9:00 a.m.,
Eastern Daylight Time. The matters to be considered by shareholders at the Annual Meeting are described in detail in the accompanying
materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">It is very important that you be represented
at the Annual Meeting regardless of the number of shares you own or whether you are able to attend the Annual Meeting in person.
We urge you to complete your proxy card in one of the manners described in the accompanying materials even if you plan to attend
the Annual Meeting. This will not prevent you from voting in person but will ensure that your vote is counted if you are unable
to attend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Your continued support of and interest in Ocwen Financial Corporation
is sincerely appreciated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Sincerely,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; color: Red"><IMG SRC="ocwenps002_v1.jpg" ALT="-s- William C. Erbey"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">William C. Erbey</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in">Executive Chairman&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OCWEN FINANCIAL CORPORATION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>2002 Summit Boulevard, 6<SUP>th</SUP> Floor
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Atlanta, Georgia 30319</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>NOTICE OF ANNUAL MEETING OF SHAREHOLDERS
AND</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>IMPORTANT NOTICE REGARDING THE AVAILABILITY
OF PROXY MATERIALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FOR THE SHAREHOLDER MEETING TO BE HELD ON
MAY 8, 2013 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>NOTICE</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Annual Meeting of Shareholders will be held:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Date:</B></TD><TD>Wednesday, May 8, 2013</TD>
</TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Time:</B></TD><TD>9:00 a.m., Eastern Daylight Time</TD>
</TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Location:</B></TD><TD>Ocwen Financial Corporation<BR>
2002 Summit Boulevard, 6<SUP>th</SUP>
Floor<BR>
Atlanta, Georgia 30319</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0.25in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>PURPOSE</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>To elect seven (7) Directors for one (1) year terms or until their successors are elected and qualified;</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5in">To ratify the appointment by the Audit Committee of our Board of Directors
of Deloitte &amp; Touche LLP as the independent registered public accounting firm of Ocwen Financial Corporation for the fiscal
year ending December 31, 2013;</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>To hold an advisory vote to approve executive compensation (&#8220;<I>Say-on-Pay</I>&#8221;); and</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>To transact such other business as may properly come before the meeting and any adjournment of the meeting. Management is not
aware of any such other business at this time.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><U>PROCEDURES</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Our Board of Directors has fixed March 21, 2013 as the record date for the determination of shareholders entitled to notice
of and to vote at the Annual Meeting.</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0"><U>&nbsp;</U></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Only shareholders of record at the close of business on that date will be entitled to vote at the Annual Meeting.</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The proxy statement for our 2013 Annual Meeting of Shareholders
and our annual report to shareholders on Form 10-K for the year ended December 31, 2012 will be available on or about April 3,
2013 on our website at <U>www.ocwen.com</U> under Shareholder Relations. The approximate date on which this proxy statement, the
proxy card and other accompanying materials are first being sent or given to stockholders is on or about April 3, 2013. Additionally,
and in accordance with Securities and Exchange Commission rules, you may access our annual report and proxy materials at <U>http://shareholders.ocwen.com/sec.cfm</U>,
a website that does not identify or track visitors of the site.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">By Order of the Board of Directors,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="ocwenps003_v1.jpg" ALT="-s- Paul A. Koches"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Paul A. Koches</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Secretary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">April 3, 2013</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Atlanta, Georgia</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OCWEN FINANCIAL CORPORATION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>PROXY STATEMENT </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ANNUAL MEETING OF SHAREHOLDERS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>General Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">As a holder of common stock of Ocwen Financial Corporation (&ldquo;Ocwen&rdquo;),
you have been sent this proxy statement on or about April 3, 2013 because our Board of Directors is soliciting your proxy to be
used at our Annual Meeting of Shareholders (the &ldquo;Annual Meeting&rdquo;) and at any adjournment of this meeting. The Annual
Meeting will be held at our offices located at 2002 Summit Boulevard, 6<SUP>th</SUP> Floor, Atlanta, Georgia 30319, on Wednesday,
May 8, 2013, at 9:00 a.m<FONT STYLE="color: black">.</FONT>, Eastern Daylight Time for the purposes listed in the Notice of Annual
Meeting of Shareholders. For directions to be able to attend the meeting and vote in person, please contact us at <U>shareholderrelations@ocwen.com</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>How a Proxy Works</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Board of Directors has appointed William C. Erbey, Executive
Chairman of the Board, Ronald M. Faris, President and Chief Executive Officer, and Paul A. Koches, Executive Vice President, General
Counsel and Secretary, as the management proxy holders for the Annual Meeting. If you properly complete, sign and return your proxy
card to Ocwen by mail, or submit your proxy by Internet or telephone, and do not revoke it prior to its use, your shares will be
voted in accordance with your instructions. If you do not give contrary instructions, the management proxy holders will vote all
shares represented by valid proxies as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Proposal One (Election of Directors) &#8211; &#8220;FOR&#8221; each of the nominees for Director;</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Proposal Two (Ratification of Appointment of Independent Registered Public Accounting Firm) &#8211; &#8220;FOR&#8221; ratification
of the appointment of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2013;</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Proposal Three (Advisory Resolution on Named Executive Officer Compensation) &#8211; &#8220;FOR&#8221; approval, on an advisory
basis, of the compensation of Ocwen&#8217;s executive officers whose compensation is disclosed in this proxy statement (&#8220;named
executive officers&#8221;) (&#8220;<I>Say-on-Pay</I>&#8221;); and</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>with regard to any other business that properly comes before the meeting in accordance with the best judgment of the management
proxy holders.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>How to Revoke a Proxy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Your proxy may be used only at the Annual Meeting and any adjournment
of this meeting and may not be used for any other meeting. You have the power to revoke your proxy at any time before it is exercised
by:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>filing written notice with our Secretary at the following address:</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">Paul A. Koches, Secretary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">Ocwen Financial Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">1661 Worthington Road, Suite 100</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">West Palm Beach, Florida 33409</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>submitting a properly executed proxy bearing a later date, or</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>appearing at the Annual Meeting and giving the Secretary notice of your intention to vote in person.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Who May Vote</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">You are entitled to vote at the Annual Meeting or any adjournment
of this meeting if you are a holder of record of our common stock or our Series A Perpetual Convertible Preferred Stock (&ldquo;preferred
stock&rdquo;) at the close of business on March 21, 2013. At the close of business on March 21, 2013, there were 135,644,158 shares
of common stock issued and outstanding and 162,000 shares of preferred stock issued and outstanding. On all matters properly presented
at the Annual Meeting, (i) each share of our common stock is entitled to one (1) vote and (ii) each share of our preferred stock
is entitled to one (1) vote for each share of common stock issuable upon conversion of the preferred stock as of the record date.
The holders of common stock and preferred stock will vote together as a single class on the matters to be considered at the Annual
Meeting, and their votes will be counted together.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>How to Vote</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">All shareholders are cordially invited to attend the 2013 Annual
Meeting. If you do not expect to be present at the Annual Meeting, you are requested to fill in, date and sign the enclosed proxy
and mail it promptly in the enclosed envelope to make sure that your shares are represented at the Annual Meeting. Shareholders
of record also have the option of voting by using a toll-free telephone number or via the Internet. Instructions for using these
services are included on the proxy card. In the event you decide to attend the Annual Meeting in person, you may, if you desire,
revoke your proxy and vote your shares in person in accordance with the procedures described above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>How to Give Voting Instructions if you are a Beneficial Owner</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If you are a beneficial owner of shares, your broker will ask you
how you want your shares to be voted. If you give the broker instructions, the broker will vote your shares as you direct. If your
broker does not receive instructions from you about how your shares are to be voted, one of two things can happen depending on
the type of proposal. If the proposal involves a &ldquo;routine&rdquo; matter, then the rules of the New York Stock Exchange provide
brokers discretionary power to vote your shares. If, however, the proposal involves a &ldquo;non-routine&rdquo; matter, then brokers
are not permitted to vote your shares without instruction from you. &ldquo;Non-routine&rdquo; matters include, for example, proposals
to elect directors or vote on executive compensation proposals. It is therefore important that you provide instructions to your
broker if your shares are held by a broker so that your votes with respect to election of directors, executive compensation and
any other &ldquo;non-routine&rdquo; matters are counted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Even if the shares you own are held in &ldquo;street name&rdquo;
by a bank or brokerage firm, you are considered the beneficial owner of the shares, and your bank or brokerage firm, as the record
holder of your shares, is required to vote your shares according to your instructions. To vote your shares, you will need to follow
the procedures your bank or brokerage firm provides you. Many banks and brokerage firms offer the option of voting over the internet
or by telephone. Please contact your bank or brokerage firm for further information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Quorum and Voting Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The presence at the Annual Meeting of a majority of the votes of
our common and preferred stock entitled to be cast, represented in person or by proxy, will constitute a quorum for the transaction
of business at the Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Assuming a quorum, the seven (7) nominees for Director receiving
a plurality of the votes cast for Director will be elected as Directors of Ocwen. You may vote in favor of or withhold authority
to vote for one (1) or more nominees for Director. The proposal to ratify the appointment of Deloitte &amp; Touche LLP as our independent
registered public accounting firm for 2013 and any other matter properly submitted for your consideration at the Annual Meeting
will be approved if the votes cast in favor of the action exceed the votes cast opposing the action. Because Proposal Three to
approve the Say-on-Pay is advisory in nature, there is no specific requirement for approval for this proposal. It will be up to
the Compensation Committee and the Board of Directors to determine whether and how to implement the votes on executive compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in">Abstentions will not be counted in determining the votes
cast in connection with the foregoing matters. If any broker &ldquo;non-votes&rdquo; occur at the meeting with respect to your
shares, the broker &ldquo;non-votes&rdquo; will count for purposes of determining whether a quorum is present but will not have
an effect on any proposals presented for your vote. A broker &ldquo;non-vote&rdquo; occurs when a shareholder has not provided
voting instructions to the broker on a non-routine item. In such cases, t<FONT STYLE="color: black">he New York Stock Exchange
precludes brokers from giving a proxy to vote on non-routine items</FONT>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>ELECTION OF DIRECTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Proposal One)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Bylaws provide that our Board of Directors shall consist of
no less than three (3) and no more than eight (8) members with the exact number to be fixed by our Board of Directors. On March
11, 2013, our Board of Directors fixed the number of Directors at seven (7) to be effective immediately. Directors are elected
annually and hold office until the earlier of the election and qualification of their successors or their resignation and removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We will propose the seven (7) nominees listed below for election
as Directors at the Annual Meeting. All nominees currently serve as our Directors. There are no arrangements or understandings
between any nominee and any other person for selection as a nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If any nominee is unable or unwilling to stand for election at the
time of the Annual Meeting, the person or persons appointed as proxies will nominate and vote for a replacement nominee recommended
by our Board of Directors. At this time, our Board of Directors knows of no reason why any of the nominees would not be able or
willing to serve as Director if elected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Nominees for Director</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table sets forth certain information concerning our
Directors:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 24%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; font-weight: bold">Name</TD>
    <TD STYLE="width: 6%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt"><B>Age</B><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 10%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; font-weight: bold; text-align: center">Director<BR>
 Since</TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; font-size: 8pt; font-weight: bold; text-align: center">Executive<BR>
 Committee</TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; font-size: 8pt; font-weight: bold; text-align: center">Audit<BR>
Committee</TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; font-size: 8pt; font-weight: bold; text-align: center">Compensation<BR>
 Committee</TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; font-size: 8pt; font-weight: bold; text-align: center">Nomination/&nbsp;<BR>
 Governance <BR>
Committee</TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-size: 8pt; font-weight: bold; text-align: center">Compliance<BR>
 Committee</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William C. Erbey</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">63</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1988</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X<SUP>(2)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald J. Korn</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">72</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2003</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X<SUP>(2)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William H. Lacy</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">68</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2002</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X<SUP>(2)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD NOWRAP STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Wilbur L. Ross, Jr.</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">75</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2013</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Robert A. Salcetti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">58</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">2011</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">X<SUP>(2)</SUP></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Barry N. Wish</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">71</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">1988</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">X</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">X<SUP>(2)</SUP></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><SUP>(1)</SUP></TD><TD>As of April 3, 2013.</TD>
</TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><SUP>(2)</SUP></TD><TD>Committee Chairman.</TD>
</TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The principal occupation for the last five (5) years, additional
biographical information and specific qualifications of each Director are set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>William C. Erbey. </I></B>Mr. Erbey has served as the Executive
Chairman of the Board of Directors of Ocwen since September 1996, as the Chief Executive Officer of Ocwen from January 1988 to
October 2010 and as the President of Ocwen from January 1988 to May 1998. From 1983 to 1995, Mr. Erbey served as a Managing General
Partner of The Oxford Financial Group, a private investment partnership that was the predecessor of Ocwen. Mr. Erbey has also served
as Chairman of the Board of Directors for Altisource Portfolio Solutions S.A. (&ldquo;Altisource&rdquo;) since July 2009. He is
also the founder of Home Loan Servicing Solutions, Ltd. (&ldquo;HLSS&rdquo;) and has served as its Chairman since December 2010.
<FONT STYLE="color: black">He also has served as Chairman of the Board of Directors of Altisource Residential Corporation since
July 2012 and as Chairman of the Board of Directors of Altisource Asset Management Corporation since March 2012. &nbsp; From 1975</FONT>
to 1983, Mr. Erbey served at General Electric Capital Corporation in various capacities, most recently as the President and Chief
Operating Officer of General Electric Mortgage Insurance Corporation. Mr. Erbey also served as the Program General Manager of GECC&rsquo;s
Commercial Financial Services Department and as the President of Acquisition Funding Corporation. He holds a Bachelor of Arts in
Economics from Allegheny College and a Master of Business Administration from Harvard University.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">With extensive experience in the financial services and mortgage
industries, Mr. Erbey provides the Board of Directors with an informed perspective and thoughtful insights into strategic and operational
opportunities, economic and industry trends of relevance to the Company and guidance on the competitive positioning of the Company.
Throughout his tenure, Mr. Erbey has successfully demonstrated his business acumen and commitment to our Company. His wide-ranging
expertise in the financial services business and extraordinary leadership capabilities are recognized as invaluable by the Board
of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Ronald M. Faris</I></B><I>. </I>Mr. Faris has served as a
Director of Ocwen since May 2003, as the President of Ocwen since March 2001 and as Chief Executive Officer since October 2010.
Mr. Faris served as Executive Vice President of Ocwen from May 1998 to March 2001, as Senior Vice President from May 1997 to May
1998 and as Vice President and Chief Accounting Officer of Ocwen from June 1995 to May 1997. From March 1991 to July 1994, he served
as Controller for a subsidiary of Ocwen. From 1986 to 1991, Mr. Faris was a Vice President with Kidder, Peabody &amp; Co., Inc.
and from 1984 to 1986 worked in the General Audit Department of PricewaterhouseCoopers LLP. He holds a Bachelor of Science in Accounting
from The Pennsylvania State University.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">With over twenty (20) years of experience and through various roles
within Ocwen, particularly over the past twelve (12) years serving as President of the Company and more recently as our Chief Executive
Officer, Mr. Faris has acquired an intimate knowledge of our business and plays an active role in the day-to-day management of
our operations. Mr. Faris is uniquely well positioned to provide our Board of Directors critical insight into company-specific
issues. In addition to his working knowledge of the operations, Mr. Faris also provides the Board of Directors with accounting
expertise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Ronald J. Korn. </I></B>Mr. Korn has served as a Director
of Ocwen since May 2003. Mr. Korn is currently the President of Ronald Korn Consulting, which provides business and marketing services
to a limited number of clients. Mr. Korn has been Director and Chairman of the Audit Committee of PetMed Express, Inc. since 2002.
He has also served as a Director and Chairman of the Audit Committee of comScore, Inc. since October 2005. He was a partner and
employee of KPMG, LLP from 1961 to 1991, where his client responsibilities included a number of large financial institutions and
various public corporations. He was admitted as a Certified Public Accountant in New York, Michigan and Florida, with licenses
currently inactive. He was also admitted to the New York Bar in 1966, but has never practiced law. Mr. Korn holds a Bachelor of
Science in Economics from the University of Pennsylvania, Wharton School and a Juris Doctorate degree from New York University
Law School.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Chosen for his diverse background and experience, Mr. Korn brings
valuable insight to our Board of Directors from an audit and accounting perspective. As determined by our Board of Directors, Mr.
Korn is financially literate and qualifies as an audit committee financial expert as that term is defined in the Securities and
Exchange Commission rules implementing requirements of the Sarbanes-Oxley Act of 2002. Additionally, Mr. Korn&rsquo;s prior experience
with other large financial institutions and public corporations provide him with a wealth of knowledge on matters that are pertinent
to our ongoing activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>William H. Lacy. </I></B>Mr. Lacy has served as a Director
of Ocwen since May 2002. Mr. Lacy was formerly Chairman of Mortgage Guaranty Insurance Corporation and Chairman and Chief Executive
Officer of MGIC Investment Corporation, Milwaukee, Wisconsin. Both corporations are providers of private mortgage guaranty insurance
and other mortgage-related services. Mr. Lacy is also a Director of Johnson Controls, Inc. Additionally, Mr. Lacy is Chairman of
Johnson Controls&rsquo; Finance Committee, serves on Johnson Controls&rsquo; Compensation Committee and serves as Johnson Controls&rsquo;
lead director. Within the past six (6) years, Mr. Lacy also served on the board of ACA Capital Holdings, Inc. Mr. Lacy holds a
Bachelor of Arts from the School of Business at the University of Wisconsin.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mr. Lacy was selected to serve as a member of our Board of Directors
due to his expertise in the financial services industry and experience as a Chairman and Chief Executive Officer of another public
company serving the mortgage industry. Mr. Lacy brings a unique perspective as a leader facing economic, social and corporate governance
issues in a similar context as our Company.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Wilbur L. Ross, Jr. </I></B>Mr. Ross has served as a Director
of Ocwen since March 2013. Mr. Ross is the Chairman and Chief Executive Officer of WL Ross &amp; Co. LLC, a private equity firm.
Mr. Ross is currently a member of the board of directors of ArcelorMittal, a steel and mining company; Exco Resources Inc., a natural
oil and gas company; International Textile Group, Inc., a global, diversified textile provider; Air Lease Corporation, an aircraft
leasing company; Assured Guaranty Ltd., a holding company that provides credit protection products to the United States and international
public finance, infrastructure and structured finance markets; The Governor and Company of the Bank of Ireland, a commercial bank
operation in Ireland; BankUnited, Inc., a bank holding company; Navigator Holdings Ltd., a provider of international seaborne transportation
services; &nbsp;Sun Bancorp, a bank holding company; Talmer Bancorp, a bank holding company; and Plascar Participacoes SA, a manufacturer
of automotive interiors. Mr. Ross formerly served as a member of the board of directors of International Coal Group from April
2005 to June 2011; Montpelier Re Holdings Ltd., a reinsurance company, from 2006 to March 2010; The Greenbrier Companies, a supplier
of transportation equipment and services to the railroad industry from June 2009 until January 2013; and Syms Corp., a retail store
operator, from 2000 through 2007. Mr. Ross holds an Artium Baccalaureatus degree from Yale University and a Masters of Business
Administration, with distinction, from Harvard University.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Through the course of Mr. Ross&rsquo; career, he has served as a
principal financial adviser to, investor in, and director of various companies across the globe operating in diverse industries.
Mr. Ross has significant experience in finance and knowledge of the capital markets that provides the Board of Directors with invaluable
transactional and financial assistance and insight.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Robert A. Salcetti. </I></B> Mr. Salcetti has served as a
Director of Ocwen since January 2011. Mr. Salcetti previously served as a Managing Director at JPMorgan Chase from 1996 to 2008.
Prior to his tenure at JPMorgan Chase, Mr. Salcetti held the position of Managing Director at Chase Manhattan Bank and Senior Vice
President of TCB/Chemical Bank and its predecessor, Texas Commercial Bank.&nbsp; Mr. Salcetti earned a degree of Bachelor of Science
in Business Administration from Carlow College in Pittsburgh, Pennsylvania.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mr. Salcetti brings to Ocwen&rsquo;s Board of Directors over thirty-five
(35) years of experience in the financial services and mortgage industry sectors. With his extensive experience, which includes
leading operations that designed, provided and managed credit facilities for loan warehousing financing, advances and mortgage
servicing rights financing, Mr. Salcetti is able to offer guidance to the Board of Directors from both an operational and strategic
perspective. As determined by our Board of Directors, Mr. Salcetti is financially literate and qualifies as an audit committee
financial expert as that term is defined in the Securities and Exchange Commission rules implementing requirements of the Sarbanes-Oxley
Act of 2002.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Barry N. Wish. </I></B>Mr. Wish has served as Chairman Emeritus
of the Board of Directors of Ocwen since September 1996. He previously served as Chairman of the Board of Directors of Ocwen from
January 1988 to September 1996. From 1983 to 1995, he served as a Managing General Partner of The Oxford Financial Group, which
he founded. From 1979 to 1983, he was a Managing General Partner of Walsh, Greenwood, Wish &amp; Co., a member firm of the New
York Stock Exchange. Prior to founding that firm, Mr. Wish was a Vice President and shareholder of Kidder, Peabody &amp; Co., Inc.
He holds a Bachelor of Science in Political Science and Doctorate<FONT STYLE="color: black"> degree </FONT>from Bowdoin College.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Having founded The Oxford Financial Group, Ocwen&rsquo;s predecessor,
previously serving as Chairman of the Board of Directors for Ocwen and with his deep and long-standing institutional knowledge
of the Company&rsquo;s history and operations, Mr. Wish provides leadership direction and critical guidance on strategic goals
to the Board of Directors. As determined by our Board of Directors, Mr. Wish is financially literate and qualifies as an audit
committee financial expert as that term is defined in the Securities and Exchange Commission rules implementing requirements of
the Sarbanes-Oxley Act of 2002.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OUR BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>THAT YOU VOTE &ldquo;FOR&rdquo; EACH OF THE
NOMINEES FOR DIRECTOR.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>BOARD OF DIRECTORS AND CORPORATE GOVERNANCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Meetings of the Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Board of Directors plays an active role
in overseeing management and representing the interests of the shareholders. Directors are expected to attend all Board meetings,
the meetings of Committees on which they serve and the Annual Meeting of Shareholders. Directors are also consulted for advice
and counsel between formal meetings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Board of Directors held seven (7) meetings and acted by unanimous
written consent 4 times in 2012. Each incumbent Director attended at least 75% of these meetings as well as the meetings held by
all committees of our Board of Directors on which they served during 2012. All of the incumbent members of our Board of Directors
who were members at the time attended our 2012 Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Independence of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Corporate Governance Guidelines provide that a majority of our
Board of Directors must qualify as independent Directors under the listing standards of the New York Stock Exchange and applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Board of Directors annually reviews the direct and indirect
relationships that we have with each Director. <FONT STYLE="color: black">The purpose of this review is to determine whether any
relationships are inconsistent with a determination that the Director is independent. </FONT>Only those Directors who are determined
by our Board of Directors to have no material relationship with Ocwen are considered independent. This determination is based in
part on responses provided by Directors to an annual questionnaire incorporating the independence standards and qualifications
established by the New York Stock Exchange and applicable law. Our current Board of Directors has determined that Messrs. Korn,
Lacy, Ross, Salcetti and Wish are independent Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Board Leadership Structure</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Board of Directors has no fixed policy with respect to the separation
of the offices of Chairman of the Board of Directors and Chief Executive Officer. Our Board of Directors retains the discretion
to make determinations on this matter from time to time as may be in the best interests of the Company and our shareholders. The
Board of Directors currently believes that separating the positions of Chief Executive Officer and Chairman is the best structure
to fit the Company&rsquo;s needs. As our President and Chief Executive Officer, Mr. Faris is responsible for our day-to-day operations
and for formulating and executing our long-term strategies in collaboration with the Board of Directors. As Executive Chairman
of the Board, Mr. Erbey leads the Board of Directors and oversees Board meetings and the delivery of information necessary for
the Board&rsquo;s informed decision-making. In addition to leading the Board of Directors, Mr. Erbey is actively involved in our
business and focuses on strategy, key personnel development and corporate finance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Committees of the Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Board of Directors has established the following standing committees:
an Executive Committee, an Audit Committee, a Compensation Committee, a Compliance Committee and a Nomination/Governance Committee.
A brief description of these committees is provided below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Executive Committee. </I></B>Our Executive Committee is generally
responsible to act on behalf of our Board of Directors during the intervals between meetings of our Board of Directors. The members
of the Executive Committee for 2012 were Messrs. Erbey (chairman), Faris and Wish.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Audit Committee. </I></B>The Audit Committee of our Board
of Directors oversees the relationship with our independent registered public accounting firm, reviews and advises our Board of
Directors with respect to reports by our independent registered public accounting firm and monitors our compliance with laws and
regulations applicable to our operations. Audit Committee oversight also includes the evaluation of significant matters relating
to the financial reporting process and our system of internal accounting controls. Additionally, the Audit Committee reviews the
scope and results of the annual audit conducted by the independent registered public accounting firm.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The members of the Audit Committee for 2012 were Messrs. Korn (chairman),
Reiner, Salcetti and Wish. Mr. Reiner resigned from the Board of Directors and the Audit Committee in March 2012. Each member of
our Audit Committee is independent as defined in regulations adopted by the Securities and Exchange Commission and the listing
standards of the New York Stock Exchange as interpreted by our Board of Directors. Our Board of Directors has determined that all
members of our Audit Committee are financially literate, possess accounting or related financial management expertise within the
meaning of the listing standards of the New York Stock Exchange and qualify as an audit committee financial expert as that term
is defined in the Securities and Exchange Commission rules implementing requirements of the Sarbanes-Oxley Act of 2002.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Audit Committee operates under a written charter approved by
our Board of Directors, a copy of which is available on our website at <U>www.ocwen.com</U> and is available in print to any shareholder
who requests it. Annually, the Audit Committee reviews and approves its charter. When necessary, the Audit Committee recommends
amendments to its charter to the Board of Directors for approval. The charter was last reviewed and approved by the Audit Committee
in February 2013. This Committee met six (6) times in 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Compensation Committee. </I></B>The Compensation Committee
of our Board of Directors oversees our compensation and employee benefit plans and practices. Our Compensation Committee also evaluates
and makes recommendations to our Board of Directors for human resource and compensation matters relating to our executive officers.
The Compensation Committee reviews with the Executive Chairman and subsequently approves all executive compensation plans, any
executive severance or termination arrangements and any equity compensation plans that are not subject to shareholder approval.
The Compensation Committee also reviews and approves corporate goals and objectives relevant to the compensation of the Executive
Chairman and President and Chief Executive Officer, evaluates their performance in light of those goals and objectives and approves
the Executive Chairman and President and Chief Executive Officer&rsquo;s compensation level based on this evaluation. The Compensation
Committee is also empowered to review our other compensation plans including the goals and objectives thereof and to recommend
changes to these plans to our Board of Directors as well as to administer grants under the 2007 Equity Incentive Plan.<B> </B>The
Compensation Committee has the authority to, at the Company&rsquo;s expense, retain independent counsel or other advisers as it
deems necessary in connection with its responsibilities<FONT STYLE="color: black">. The Compensation Committee may request that
any of our Directors, officers or employees, or other persons attend its meetings to provide advice, counsel or pertinent information
as the Committee requests. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The members of the Compensation Committee for 2012 were Messrs.
Lacy (chairman), Korn and Wish. Each member of the Compensation Committee is independent as defined in the listing standards of
the New York Stock Exchange as interpreted by our Board of Directors. While we have no specific qualification requirements for
members of the Compensation Committee, our members have knowledge and experience regarding compensation matters as developed through
their respective business experience in both management and advisory roles including general business management, executive compensation
and employee benefits experience. We believe that their collective achievements and knowledge provide us with extensive diversity
in experience, culture and viewpoints. The Compensation Committee generally meets in executive session as part of each scheduled
meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Compensation Committee operates under a written charter approved
by our Board of Directors a copy of which is available on our website at <U>www.ocwen.com</U> and is available in print to any
shareholder who requests it. On an annual basis, the Compensation Committee evaluates its performance under the charter to ensure
that it appropriately addresses the matters that are within the scope of Committee responsibility. When necessary, the Compensation
Committee recommends amendments to its charter to the Board of Directors for approval. The charter was last reviewed and approved
by the Compensation Committee in February 2013. This Committee met four (4) times in 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Compensation Committee Interlocks and Insider Participation</I>.
</B>No member of the Compensation Committee was, at any time during the 2012 fiscal year or at any other time, an officer or employee
of the Company, and no member had any relationship with us requiring disclosure under Item&nbsp;404 of Securities and Exchange
Commission Regulation S-K. None of our executive officers has served on the Board of Directors or Compensation Committee of any
other entity that has or had one (1) or more executive officers who served as a member of our Board of Directors or our Compensation
Committee during the 2012 fiscal year.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Compliance Committee.</I></B> The Compliance Committee of
our Board of Directors provides assistance to the Board of Directors with (i) establishment and oversight of our compliance function,
including our compliance management system, and (ii) oversight of our compliance with applicable laws, rules and regulations governing
its consumer-oriented businesses including Federal consumer financial laws and applicable state laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Compliance Committee was established in March 2013. The members
of the Compliance Committee are Messrs. Salcetti (chairman), Faris and Ross. Our Compliance Committee operates under a written
charter approved by our Board of Directors, a copy of which is available on our web site at <U>www.ocwen.com</U> and is available
in print to any shareholder who requests it. When necessary, the Compliance Committee recommends amendments to its charter to
the Board of Directors for approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Nomination/Governance Committee. </I></B>The Nomination/Governance
Committee of our Board of Directors makes recommendations to our Board of Directors of candidates to serve as Directors and Committee
members for our Board of Directors, advises our Board of Directors with respect to Director composition, procedures and Committees,
develops and presents our Board of Directors with a set of corporate governance principles and oversees the evaluation of our Board
of Directors and our management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The members of the Nomination/Governance Committee for 2012 were
Messrs. Wish (chairman), Lacy, Reiner and Salcetti. Mr. Reiner resigned from the Nomination/Governance Committee in March 2012.
Each member of our Nomination/Governance Committee is independent as defined in the listing standards of the New York Stock Exchange
as interpreted by our Board of Directors. The Nomination/Governance Committee regularly assesses the appropriate size of the Board
of Directors and whether any vacancies on the Board of Directors are anticipated. Various potential candidates for Director are
then identified. Candidates may come to the attention of the Nomination/Governance Committee through current Board of Directors
members, professional search firms, shareholders or industry sources.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">It is the policy of our Nomination/Governance Committee to consider
candidates for Director recommended by you, our shareholders, but the Nomination/Governance Committee has no obligation to recommend
such candidates. In evaluating all nominees for Director, our Nomination/Governance Committee takes into account the applicable
requirements for Directors under the Securities Exchange Act of 1934, as amended, and the listing standards of the New York Stock
Exchange. In addition, our Nomination/Governance Committee takes into account our best interests, as well as such factors as experience,
knowledge, skills, expertise, integrity, diversity, ability to make independent analytical inquiries, understanding of the Company&rsquo;s
business environment and willingness to devote adequate time and effort to Board responsibilities and the <FONT STYLE="color: black">interplay
of the candidate&rsquo;s experience with the background of other members of our Board of Directors</FONT>. We generally require
that directors who have attained the age of 78 will not be nominated, although this requirement may be waived in particular cases
in the discretion of the Board of Directors. We also consider the number of other boards on which a nominee sits, but we do not
have a policy limiting the number of other public company boards upon which a Director may sit. A copy of our corporate governance
guidelines is available on our web site at <U>www.ocwen.com</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Pursuant to the Company&rsquo;s Diversity Policy, the Nomination/Governance
Committee considers diversity when it recommends Director nominees to the Board of Directors viewing diversity in an expansive
way to include differences in prior work experience, viewpoint, education and skill set. In particular, the Nomination/Governance
Committee considers diversity in professional experience, skills, expertise, training, broad-based business knowledge and understanding
of the Company&rsquo;s business environment when recommending Director nominees to the Board of Directors with the objective of
achieving a Board with diverse business and educational backgrounds. Board members should have individual backgrounds that, when
combined, provide a portfolio of experience and knowledge that will serve the Company&rsquo;s governance and strategic needs. The
Nomination/Governance Committee reviews the skills and attributes of Board members within the context of the current make-up of
the full Board of Directors from time to time as appropriate. The Nomination/Governance Committee does not discriminate against
candidates for the Board of Directors based on race, color, religion, sex, sexual orientation or national origin.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In evaluating a particular candidate, the Nomination/Governance
Committee will consider factors other than the candidate&rsquo;s qualifications including the current composition of the Board
of Directors, the balance of management and independent Directors, the need for Audit Committee expertise and the evaluations of
other prospective nominees. In connection with this evaluation, the Nomination/Governance Committee determines whether to interview
the prospective nominee, and if warranted, one or more members of the Nomination/Governance Committee, and others as appropriate,
interview prospective nominees. After completing this evaluation and interview, the Nomination/Governance Committee makes a recommendation
to the full Board of Directors as to the persons who should be nominated by the Board of Directors. The Board of Directors determines
the nominees after considering the recommendation and report of the Nomination/Governance Committee. Should you recommend a candidate
for Director, our Nomination/Governance Committee would evaluate such candidate in the same manner that it evaluates any other
nominee. <FONT STYLE="color: black">To date, no shareholder or group of shareholders owning more than 5% of our common stock has
put forth any Director nominees.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If you wish to recommend persons for consideration by our Nomination/Governance
Committee as nominees for election to our Board of Directors, you can do so by writing to our Secretary at Ocwen Financial Corporation,
1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409. You should provide each proposed nominee&rsquo;s name, biographical
data and qualifications. Your recommendation should also include a written statement from the proposed nominee consenting to be
named as a nominee and, if nominated and elected, to serve as a Director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Nomination/Governance Committee operates under a written charter
approved by our Board of Directors, a copy of which is available on our web site at <U>www.ocwen.com</U> and is available in print
to any shareholder who requests it. When necessary, the Nomination/Governance Committee recommends amendments to its charter to
the Board of Directors for approval. The charter was last reviewed and approved by the Nomination/Governance Committee in February
2013. This Committee met three (3) times during 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Corporate Governance Guidelines </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Corporate Governance Guidelines adopted by our Board of Directors
provide guidelines for us and our Board of Directors to ensure effective corporate governance. The Corporate Governance Guidelines
cover topics such as: Director qualifications, Board of Directors and committee composition, Director responsibilities, Director
access to management and independent advisors, Director compensation, Director orientation and continuing education, management
succession and annual performance appraisal of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Nomination/Governance Committee reviews our Corporate Governance
Guidelines at least once a year and, if necessary, recommends changes to our Board of Directors. The Nomination/Governance Committee
reviewed and approved amendments to the Corporate Governance Guidelines in February 2013. The Board of Directors ratified, adopted
and approved the amendments to the Corporate Governance Guidelines in February 2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Corporate Governance Guidelines are available on our web site
at <U>www.ocwen.com</U> and are available to any shareholder who requests them by writing to our Secretary at Ocwen Financial
Corporation, 1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Executive Sessions of Non-Management Directors </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Non-management Directors met in executive session without management
three (3) times in 2012. A non-management Director presides on a rotational basis as determined by our Board of Directors at each
executive session.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Communications with Directors </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If you desire to communicate with our Board of Directors or any
individual Director regarding Ocwen, you may do so by mail addressed to our Secretary at Ocwen Financial Corporation, 1661 Worthington
Road, Suite 100, West Palm Beach, Florida 33409. Communications received in writing are distributed to our Board of Directors or
to individual Directors, as the General Counsel and Secretary deem appropriate, depending on the facts and circumstances outlined
in the communication received.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Code of Ethics </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We have adopted a Code of Business Conduct and Ethics that applies
to our Directors, officers and employees as required by the New York Stock Exchange rules. We have also adopted a Code of Ethics
for Senior Financial Officers that applies to our Chief Executive Officer, Chief Financial Officer and Chief Accounting Officer.
Any waivers from either the Code of Business Conduct and Ethics or the Code of Ethics for Senior Financial Officers must be approved
by our Board of Directors or a Board Committee and must be promptly disclosed to you. The Code of Business Conduct and Ethics
and the Code of Ethics for Senior Financial Officers are available on our web site at <U>www.ocwen.com</U> and are available to
any shareholder who requests a copy by writing to our Secretary at 1661 Worthington Road, Suite 100, West Palm Beach, Florida
33409. Any amendments to the Code of Business Conduct and Ethics or the Code of Ethics for Senior Financial Officers, as well
as any waivers that are required to be disclosed under the rules of the Securities and Exchange Commission or the New York Stock
Exchange, will be posted on our website.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Risk Management and Oversight Process</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our Board of Directors and each of its Committees are involved
in overseeing risk associated with the Company. The Board of Directors and the Audit Committee monitor Ocwen&rsquo;s credit risk,
liquidity risk, regulatory risk, operational risk and enterprise risk by regular reviews with management and internal and external
auditors. In its periodic meetings with the internal auditors and the independent accountants, the Audit Committee discusses the
scope and plan for the internal audit and includes management in its review of accounting and financial controls, assessment of
business risks and legal and ethical compliance programs. The Board of Directors and the Nomination/Governance Committee monitor
the Company&rsquo;s governance and succession risk by regular review with management. The Board of Directors and the Compensation
Committee monitor the Company&rsquo;s compensation policies and related risks by regular reviews with management. The Board of
Directors&rsquo; role in risk oversight is consistent with the Company&rsquo;s leadership structure with the President and Chief
Executive Officer and other members of senior management having responsibility for assessing and managing the Company&rsquo;s
risk exposure, and the Executive Chairman, the Board of Directors and its Committees providing oversight in connection with these
efforts.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>BOARD OF DIRECTORS COMPENSATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table discloses compensation received for fiscal year
2012 by each non-management member of our Board of Directors who served as a Director during fiscal year 2012. Our management Directors
do not receive an annual retainer or any other compensation for their service on the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.7pt; text-align: center; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 17%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Name</B></P></TD>
    <TD STYLE="width: 23%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Fees Earned </B><BR>
<B>Or Paid in Cash<BR>
($)</B></P></TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Stock</B><BR>
<B>Awards</B><SUP>(1)(2)<BR>
</SUP><B>($)</B></P></TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>All Other </B><BR>
<B>Compensation<BR>
($)</B></P></TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 4pt 0 0; text-align: center"><B>Total<BR>
($)</B></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt">Ronald J. Korn</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$56,667</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$45,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$101,667</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt">William H. Lacy</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$50,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$45,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -0.05in; padding-left: 2pt; text-align: center">$95,000</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt">David B. Reiner<SUP>(3)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$11,250</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$0</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$75,000<SUP>(4)</SUP></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$86,250</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt">Robert A. Salcetti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$50,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$45,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$95,000</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">Barry N. Wish</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$56,667</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$45,000</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: -2pt; padding-left: 2pt; text-align: center">$101,667</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD>The number of shares issued pursuant to the 1996 Stock Plan for Directors is based on the &ldquo;fair market value&rdquo; of
our common stock on the date of election (or re-election) of such Director to our Board of Directors, which is the date of grant.
The term &ldquo;fair market value&rdquo; is defined in the 1996 Stock Plan for Directors to mean the average of the high and low
prices of the common stock as reported on the New York Stock Exchange on the relevant date. Shares issued pursuant to the 1996
Stock Plan for Directors are subject to forfeiture during the twelve (12) full calendar months following election or appointment
to the Board of Directors or a Committee thereof if the Director does not attend an aggregate of at least 75% of all meetings of
the Board of Directors and Committees of which the Director is a member during such period.</TD></TR></TABLE>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">In March 2005, the Board of Directors adopted a Deferred Compensation Plan for Directors pursuant
to which Directors are permitted to defer receipt of their compensation granted under the 1996 Stock Plan for Directors. During
2012, Messrs. Korn, Wish and Salcetti did not elect to defer their $45,000 in equity compensation and, as a result, were each issued
2,959 shares of common stock based on the fair market value on May 9, 2012. Mr. Lacy elected to defer his $45,000 in equity compensation
pursuant to the terms of the Deferred Compensation Plan. Our non-management Directors have no shares subject to option awards outstanding
as of December&nbsp;31, 2012.</TD></TR></TABLE>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(3)</SUP></TD><TD>Although he resigned from the Board on March 5, 2012, Mr. Reiner was a member of our Board of Directors and received compensation
for his services through his resignation date.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(4)</SUP></TD><TD>Fee pursuant to Independent Contractor Agreement dated as of October 1, 2011.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><B>Cash Compensation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our director compensation policies were revised effective September
1, 2012. As of September 1, 2012, we provide the following annual cash compensation to our non-management Directors in quarterly
installments:</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>a retainer of $50,000;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $15,000 to the Audit Committee Chairperson;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $10,000 to all Committee Chairpersons (other than the Audit Committee Chairperson) and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $10,000 to all Audit Committee members (other than the Chairperson).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Prior to September 1, 2012, we provided the following annual cash
compensation to our non-management Directors in quarterly installments:</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>a retainer of $40,000;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $12,500 to the Audit Committee Chairperson;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $5,000 to all Committee Chairpersons (other than the Audit Committee Chairperson) and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>an additional $5,000 to all Audit Committee members (other than the Chairperson).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Equity Compensation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Prior to September 1, 2012, we provided our non-management Directors
an annual award of restricted shares of common stock with a fair market value of $45,000 pursuant to our 1996 Stock Plan for Directors
adopted by our Board of Directors and our shareholders in July 1996. Beginning in 2013, we will provide our non-management Directors
an annual award of restricted shares of common stock with a fair market value of $60,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Deferral Plan</B></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 12pt 0 3pt"><FONT STYLE="font-weight: normal; font-style: normal">The
Deferral Plan provides non-management Directors with the opportunity to defer the receipt of all or a portion of their equity compensation
earned for their service as Directors. The plan is administered by the Compensation Committee. Before the end of each calendar
year, the non-management Directors make an election to receive either all or a portion of the equity portion of their annual compensation
for the following grant year in restricted stock or a credit to their deferral account for the number of share units equal to the
number of shares of restricted stock granted to but not received by such Director. Directors electing to defer receipt of equity
will become vested in the share units and will receive dividend equivalents to the same extent as they would if the original award
of restricted stock had not been deferred. </FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 12pt 0 3pt"><FONT STYLE="font-weight: normal; font-style: normal">Each
Director electing deferral must specify the payment date at the time of election as either (i) the six (6) month anniversary of
the Director&rsquo;s termination date or (ii) any other date elected by the Director which is at least two (2) years after the
last day of the year of service for which the compensation was awarded. At least thirty (30) days prior to payment of deferred
compensation, a Director shall elect to receive such payment in the form of either (i) cash in an amount equal to the fair market
value of the number of whole and fractional share units credited to the deferral account or (ii) whole shares of common stock equal
to the number of whole share units credited to the deferral account with fractional share units to be paid in cash. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Other Compensation Matters</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Director compensation may be prorated for a Director serving less
than a full one (1) year term such as in the case of a Director joining the Board of Directors after an annual meeting of shareholders.
Directors are reimbursed for reasonable travel and other expenses incurred in connection with attending meetings of the Board
of Directors and its Committees. Director compensation is subject to review and adjustment by the Board of Directors from time
to time.<B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>EXECUTIVE OFFICERS WHO ARE NOT DIRECTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">The following table sets forth certain information with respect
to each person who currently serves as one of our executive officers but does not serve on our Board of Directors. Our executive
officers are elected annually by our Board of Directors and generally serve at the discretion of our Board of Directors. There
are no arrangements or understandings between us and any person for election as an executive officer. None of our Directors and/or
executive officers is related to any other Director and/or executive officer of Ocwen or any of its subsidiaries by blood, marriage
or adoption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 22%; border-top: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold"><B>Name</B><SUP>(1)</SUP></TD>
    <TD STYLE="width: 11%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -3.9pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Age</TD>
    <TD STYLE="width: 67%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Position</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.1pt; padding-left: 5.4pt">John V. Britti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.1pt; padding-left: 5.4pt; text-align: center">53</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Executive Vice President and Chief Financial Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.1pt; padding-left: 5.4pt; text-align: center">59</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Executive Vice President, General Counsel and Secretary</TD></TR>
</TABLE>
<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><SUP>(1)</SUP> All information set forth herein is as of March 21,
2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The principal occupation for the last five (5) years, as well as
certain other biographical information, for each of our executive officers that is not a Director are set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B><I>John V. Britti</I></B>.<B> </B>Mr.
Britti has served as Executive Vice President and Chief Financial Officer since March 2012. He previously served as Executive Vice
President of Ocwen responsible for Finance and Business Development from January 2011. Prior to joining Ocwen, Mr. Britti was Chief
Operating Officer for mortgage insurer RMIC from 2005 to 2011. Mr. Britti held two positions at Freddie Mac as a Vice President
running Field Sales and Pricing &amp; Structured Transactions. Mr. Britti has also been a Vice President at Capital One running
Thrift and Mortgage Operations. After business school, Mr. Britti worked at McKinsey &amp; Company in their financial services
industry group. He holds a Bachelor of Arts in Economics from the University of Maryland and a Masters of Business Administration
from Dartmouth&rsquo;s Amos Tuck School.<B><I> </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B><I>Paul A. Koches.</I></B> <FONT STYLE="color: black">Mr.
Koches has served as Executive Vice President and General Counsel since May 2008 and as Secretary since August 2009. &nbsp;He
previously served as Senior Vice President and General Counsel of Ocwen from August 2002 through August 2009. &nbsp;Prior to joining
Ocwen, Mr. Koches was a Partner with Arent Fox, LLP in Washington, D.C.&nbsp; Mr. Koches holds a Bachelor of Arts from the University
of Connecticut and a Juris Doctorate degree from the University of Miami Law School.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL
OWNERS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>AND RELATED SHAREHOLDER MATTERS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Beneficial Ownership of Equity Securities </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table sets forth certain information regarding the
beneficial ownership of our common stock as of the record date by:</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>each of our Directors and director nominees;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>each named executive officer; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>all of our Directors and current executive officers as a group.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table also sets forth information with respect to
each person known by Ocwen to own beneficially more than five percent (5%) of the outstanding shares of its common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The table is based upon information supplied to us by Directors,
executive officers and principal shareholders and filings under the Securities Exchange Act of 1934, as amended. We have based
our calculation of the percentage of beneficial ownership on 135,644,158 shares of our common stock outstanding as of the record
date, unless otherwise noted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="background-color: #F3F3F3">
    <TD COLSPAN="3" STYLE="border: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center"><B>Shares Beneficially Owned </B><SUP>(1)</SUP></TD></TR>
<TR>
    <TD STYLE="width: 62%; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Name and Address of Beneficial Owner:</TD>
    <TD STYLE="width: 20%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Amount&nbsp;and <BR>
Nature of Beneficial<BR>
 Ownership</TD>
    <TD STYLE="width: 18%; border-bottom: windowtext 2pt solid; border-right: windowtext 2pt solid; padding-right: 0.6pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Percent of Class</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">FMR LLC<SUP>(2)</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">82 Devonshire Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Boston, Massachusetts 02109</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">9,120,891</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">6.76%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; border-left: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Wellington Management Company, LLP<SUP>(3)</SUP></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">280 Congress Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Boston, Massachusetts 02210</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">8,733,642</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: Black 2pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">6.47%</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="3" STYLE="border-right: Black 2pt solid; border-bottom: Black 2pt solid; border-left: Black 2pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Directors and Named Executive Officers:</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; padding-right: 17.1pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William C. Erbey<SUP>(4)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">20,154,198</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">14.60%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris<SUP>(5)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">1,675,321</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">1.22%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald J. Korn</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">23,370</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William H. Lacy<SUP>(6)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">12,579</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Wilbur L. Ross<SUP>(7)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">5,095,942</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">3.62%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Robert A. Salcetti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">6,747</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Barry N. Wish<SUP>(8)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">4,710,616</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">3.47%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John V. Britti <SUP>(9)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">30,715</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches<SUP>(10)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">324,605</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John Van Vlack<SUP>(11)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">1,251</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; border-left: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Kenneth D. Najour<SUP>(12)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">1,000</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: Black 2pt solid; padding-right: 36pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">All Current Directors and Executive Officers as a Group (9 persons)</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">32,013,053</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 35pt; padding-left: 5.4pt; text-align: right">22.91%</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">*</TD><TD>Less than 1%.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD>For purposes of this table, an individual is considered the beneficial owner of shares of common stock if he or she has the
right to acquire within 60 days of March 21, 2013 such common stock and directly or indirectly has or shares voting power or investment
power, as defined in the rules promulgated under the Securities Exchange Act of 1934, as amended. Unless otherwise indicated, an
individual has sole voting power and sole investment power with respect to the indicated shares. No shares have been pledged as
security by the named executive officers or Directors.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(2)</SUP></TD><TD>Based on information contained in a Schedule 13G/A filed with the Securities and Exchange Commission on February 13, 2013,
reporting securities owned as of December 31, 2012, by FMR LLC. Includes 763,050 shares as to which sole voting power and 9,120,891
shares as to which sole dispositive power is claimed.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(3)</SUP></TD><TD>Based on information contained in a Schedule 13G/A filed with the Securities and Exchange Commission on February 14, 2013,
reporting securities owned as of December 31, 2012, by Wellington Management Company, LLP. Includes 8,337,197 shares as to which
shared voting power and 8,733,642 shares as to which shared dispositive power is claimed.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(4)</SUP></TD><TD>Includes 9,869,039<FONT STYLE="color: black"> </FONT>shares held by FF Plaza Limited Partnership, a Delaware partnership of
which the partners are William C. Erbey, his spouse, E. Elaine Erbey, and Delaware Permanent Corporation, a corporation wholly-owned
by William C. Erbey. Mr. and Mrs. William C. Erbey share voting and dispositive power with respect to the shares owned by FF Plaza
Limited Partnership. Also includes 5,409,704 shares held by Erbey Holding Corporation, a corporation wholly-owned by William C.
Erbey. Also includes 2,440,000 shares held by Caritas Partners LLC, a Delaware limited liability company with Mr. William C. Erbey
serving as its sole member. Also includes 51,278 shares jointly held by Mr. and Mrs. William C. Erbey. Also includes options to
acquire 2,384,177 shares which are exercisable on or within sixty (60) days after March 21, 2013.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(5)</SUP></TD><TD>Includes options to acquire 1,334,616 shares which are exercisable on or within sixty (60) days after March 21, 2013.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(6)</SUP></TD><TD>Does not include equity compensation deferred pursuant to the terms of the Deferred Compensation Plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(7)</SUP></TD><TD>Represents 162,000 shares of Series A Perpetual Convertible Preferred Stock convertible into 5,095,942 shares of common stock
with fractional shares being cashed out.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"></TD><TD>WLR Recovery Fund III, L.P. (&ldquo;Fund III&rdquo;) owns 12,923 shares of Preferred Stock, WLR Recovery Fund IV, L.P. (&ldquo;Fund
IV&rdquo;) owns 108,507 shares of Preferred Stock, WLR AHM Co-Invest, L.P. (the &ldquo;AHM Co-Invest Fund&rdquo;) owns 32,550 shares
of Preferred Stock, WLR/GS Master Co-Investment, L.P. (the &ldquo;GS Co-Invest Fund&rdquo;) owns 7,532 shares of Preferred Stock
and WLR IV Parallel ESC, L.P. (the &ldquo;Parallel Fund&rdquo;) owns 488 shares of Preferred Stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"></TD><TD>Wilbur L. Ross, Jr., the chairman and chief executive officer of WL Ross &amp; Co. LLC, is the managing member of El Vedado,
LLC and the chairman and chief executive officer of Invesco Private Capital, Inc. El Vedado, LLC is the general partner of WL Ross
Group, L.P., which in turn is the managing member of WLR Recovery Associates IV LLC, WLR Recovery Associates III LLC and WLR Master
Co-Investment GP, LLC. WLR Recovery Associates III LLC is the general partner of Fund III, WLR Recovery Associates IV LLC is the
general partner of each of Fund IV and the AHM Co-Invest Fund, and WLR Master Co-Investment GP, LLC is the general partner of the
GS Co-Invest Fund. WL Ross &amp; Co. LLC serves as the investment manager to Fund III, Fund IV and the GS Co-Invest Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"></TD><TD>Invesco Private Capital, Inc. is the managing member of INVESCO WLR IV Associates LLC, which in turn is the general partner
of the Parallel Fund. INVESCO WLR IV Associates LLC and WLR Recovery Associates IV LLC have entered into a parallel investment
agreement pursuant to which WLR Recovery Associates IV LLC has been appointed as representative and attorney-in-fact of the Parallel
Fund to, among other things, exercise all rights, powers and privileges with respect to the Common Stock and the Preferred Stock
owned by the Parallel Fund. Mr. Ross expressly disclaims beneficial ownership of all of these securities, except to the extent
of his pecuniary interest therein.</TD></TR></TABLE>


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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(8)</SUP></TD><TD><FONT STYLE="color: black">Includes 4,463,621 </FONT>shares held by Wishco, Inc., a corporation controlled by Barry N. Wish
pursuant to his ownership of 93% of the common stock thereof, and 37,000 shares held by the Barry Wish Family Foundation, Inc.,
a charitable foundation of which Mr. Wish is a Director.</TD></TR></TABLE>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(9)</SUP></TD><TD>Includes options to acquire 25,000 shares which are exercisable on or within sixty (60) days after March 21, 2013.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(10)</SUP></TD><TD>Includes options to acquire 322,500 shares which are exercisable on or within sixty (60) days after March 21, 2013.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Courier New, Courier, Monospace; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(11)</SUP></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Includes options to acquire 1,251 shares which are exercisable on
or within sixty (60) days after March 21, 2013. Mr. Van Vlack was among the &ldquo;named executive officers&rdquo; for 2012 but
is no longer an employee.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Courier New, Courier, Monospace; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(12)</SUP></FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Mr. Najour was among the &ldquo;named executive officers&rdquo; for
2012 but is no longer an employee.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Beneficial Ownership of Equity Securities of Subsidiary</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table sets forth certain information regarding the
beneficial ownership of Series A Preferred Stock and Series B Preferred Stock of our subsidiary, Ocwen Mortgage Servicing, Inc.,
as of the record date by:</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>each of our Directors and director nominees;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>each named executive officer; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>all of our Directors and current executive officers as a group.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The table is based upon information supplied to us by Directors,
executive officers and principal shareholders. We have based our calculation of the percentage of beneficial ownership on 100 shares
of Ocwen Mortgage Servicing, Inc. Series A Preferred Stock outstanding and 100 shares of Ocwen Mortgage Servicing, Inc. Series
B Preferred Stock outstanding as of March 21, 2013, unless otherwise noted.</P>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #F3F3F3">
    <TD COLSPAN="4" STYLE="border: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Shares Beneficially Owned</TD></TR>
<TR>
    <TD STYLE="width: 33%; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: left; vertical-align: bottom">Name and Address of Beneficial Owner:</TD>
    <TD STYLE="width: 19%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; vertical-align: bottom">Title of Class</TD>
    <TD STYLE="width: 25%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; vertical-align: bottom">Amount&nbsp;and Nature of Beneficial Ownership</TD>
    <TD STYLE="width: 23%; border-bottom: windowtext 2pt solid; border-right: windowtext 2pt solid; padding-right: 0.6pt; padding-left: 5.4pt; font-weight: bold; text-align: center; vertical-align: bottom">Percent of Class</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William C. Erbey</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Class A Preferred</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">100</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">100%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald J. Korn</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William H. Lacy</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Wilbur L. Ross</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Robert A. Salcetti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Barry N. Wish</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John V. Britti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John Van Vlack</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Kenneth D. Najour</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.05in; padding-left: 5.4pt; text-align: center">Class B Preferred</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">100</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">100%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">All Directors and Executive Officers as a Group (9 persons)</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Class A Preferred</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">100</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">100%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">All Directors and Executive Officers as a Group (9 persons)</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Class B Preferred</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 17.1pt; padding-left: 5.4pt; text-align: right">100</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 18.6pt; padding-left: 5.4pt; text-align: right">100%</TD></TR>
</TABLE>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 2pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Equity Compensation Plan Information </B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table sets forth information as of the end of the
most recently completed fiscal year with respect to compensation plans under which our equity securities are authorized for issuance.
The information is split between all compensation plans previously approved by security holders and all compensation plans not
previously approved by security holders.</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 31%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Plan Category</TD>
    <TD STYLE="width: 23%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Number of securities to</B><BR>
<B>be issued upon exercise</B><BR>
<B>of outstanding options,</B><BR>
<B>warrants and rights<BR>
(#)</B></P></TD>
    <TD STYLE="width: 23%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Weighted average</B><BR>
<B>exercise price of</B><BR>
<B>outstanding options,</B><BR>
<B>warrants and rights<BR>
($)</B></P></TD>
    <TD STYLE="width: 23%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Number of securities</B><BR>
<B>remaining available for</B><BR>
<B>future issuance under</B><BR>
<B>equity compensation</B><BR>
<B>plans<BR>
(#)</B></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Equity compensation plans</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">approved by security holders</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">8,938,179</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2.4pt; padding-left: 5.4pt; text-align: center">$9.93</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">8,895,599</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="4" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Equity compensation plans not</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">approved by security holders</P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -2.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">&mdash;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="4" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Total</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">8,938,179</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -2.4pt; padding-left: 5.4pt; text-align: center">$9.93</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: center">8,895,599<SUP>(1)</SUP></TD></TR>
</TABLE>
<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD><B><I>2007 Equity Incentive Plan</I></B>. A total of 20,000,000 shares of common stock of the Company were authorized to be
issued pursuant to awards made as options, restricted stock, performance awards or other stock-based awards. This plan is administered
by the Compensation Committee.</TD></TR></TABLE>

<P STYLE="font: 10pt Courier New, Courier, Monospace; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 16(a) Beneficial Ownership Reporting Compliance </B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Section 16(a) of the Securities Exchange Act of 1934, as amended,
requires our executive officers, Directors and persons who own more than 10% of our common stock to file reports of ownership and
changes in ownership with the Securities and Exchange Commission. Executive officers, Directors and greater than 10% shareholders
are required by Securities and Exchange Commission regulations to furnish us with copies of all Section 16(a) forms they file.</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Based solely upon a review of the copies of the forms furnished
to the Company, or written representations from certain reporting persons that no Forms 5 were required, we believe that all filing
requirements applicable to our officers and directors and 10% beneficial owners were complied with during the 2012 fiscal year,
with the exception that one Form 4 for Mr. Erbey was filed late, reporting a single transaction.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>COMPENSATION DISCUSSION AND ANALYSIS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 40.1pt 0 34.55pt; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 40.1pt 0 0; background-color: white"><B>Introduction, Philosophy
and Objectives</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">We believe an effective executive compensation
program is one that aligns the interests of executives and shareholders by rewarding performance that achieves or exceeds specific
financial targets and strategic goals designed to improve shareholder value. In addition, executive compensation should promote
individual service longevity through long-term incentive opportunities that reward consistent high-level financial performance.
The Compensation Committee evaluates both performance and compensation annually to ensure that we maintain our ability to attract
and retain superior employees in key positions and that compensation provided to key employees remains competitive relative to
the compensation paid to similarly situated executives of our peer companies. To achieve these objectives, we believe executive
compensation packages should reward performance as measured against established goals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 40.1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">This Compensation Discussion and Analysis provides information regarding
the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>compensation programs for our Chief Executive Officer, current Chief Financial Officer, former Chief Financial Officer and
three (3) other most highly compensated executive officers, including our Executive Chairman;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>overall objectives of our compensation program and what it is designed to reward;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>each element of compensation that we provide;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>reasons for the compensation decisions we have made regarding these individuals;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>determination of the amount for each element of compensation;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>how each compensation element and our decisions regarding that element fit into our overall compensation objectives and affect
decisions regarding other elements; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>our consideration of the results of the most recent shareholder advisory vote on executive compensation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our named executive officers for 2012 were as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 40.1pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #F3F3F3">
    <TD STYLE="width: 21%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Name</TD>
    <TD STYLE="width: 79%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Position</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William C. Erbey&nbsp;&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Executive Chairman</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">President and Chief Executive Officer</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Executive Vice President, General Counsel and Secretary</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John V. Britti</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Executive Vice President and Chief Financial Officer</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John P. Van Vlack</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Former Executive Vice President, Chief Financial Officer and Chief Accounting Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Kenneth D. Najour</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Former Vice President and Chief Accounting Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 40.3pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Role of Executive Officers in Compensation Decisions </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: black">Certain executives including the Executive
Chairman and President and Chief Executive Officer are involved in the design of executive compensation programs</FONT> proposed
for approval by the Compensation Committee. These executives annually review the performance of each executive officer (other than
the Executive Chairman and President and Chief Executive Officer whose performances are reviewed by the Compensation Committee)
and present their conclusions and recommendations regarding incentive award amounts to the Compensation Committee for its consideration
and approval. The Compensation Committee can exercise its discretion in accepting, rejecting and/or modifying any such executive
compensation recommendations; however, executive compensation matters for officers other than the Executive Chairman and President
and Chief Executive Officer are generally delegated to the Executive Chairman for development and execution.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Role of Compensation Consultant</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Pursuant to its authority to retain independent counsel or other
advisers as it deems necessary, the Compensation Committee entered into an advisory agreement with Exequity, LLC, an executive
compensation consulting firm, in February 2010. The consulting firm provides the following services to the Compensation Committee
as needed from time to time: (i) review of Director pay proposals and program designs, (ii) competitive assessments or benchmarking
analysis of executive compensation, (iii) updates on market trends and regulatory considerations impacting compensation and benefit
programs, (iv) assistance with preparation of executive pay proposals and (v) responses to various other requests from the Compensation
Committee. The Compensation Committee utilized the services of Exequity, LLC in 2012 to review compensation for all management
and non-management directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>Elements of Compensation </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The current compensation package for our executive officers consists
of base salary and annual incentive compensation. This compensation structure was developed to provide each executive officer with
a competitive salary while emphasizing an incentive compensation element that is tied to the achievement of corporate goals and
strategic initiatives as well as individual performance. We have no employment agreements with our executive officers. We believe
that the following elements of compensation are appropriate in light of our performance, industry, current challenges and environment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In 2012, we formed a new subsidiary, Ocwen Mortgage Servicing, Inc.
(&ldquo;OMS&rdquo;), in the United States Virgin Islands (USVI) as part of an initiative to consolidate our global servicing assets
and operations under a single entity and to cost-effectively expand our United States-based servicing activities. During 2012,
each of Messrs. Erbey and Najour served as executive officers of OMS. In addition, during 2012, each of Messrs. Erbey, Faris, Koches
and Britti served as executive officers of our wholly-owned subsidiary, Ocwen Loan Servicing, LLC. The discussion that follows
includes our executive officers compensation at each of OLS and OMS, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Base Salary</I></B><I>.&nbsp;&nbsp;</I>Base salaries for our
executive officers are established based on individual qualifications and job responsibilities while taking into account compensation
levels at similarly situated companies<B> </B>for similar positions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: black">Base salaries of the executive officers
are reviewed annually during the performance appraisal process with adjustments made based on market information, internal review
of the executive officer&rsquo;s compensation in relation to other officers, individual performance of the executive officer and
corporate performance. </FONT>Salary levels are also considered upon a promotion or other change in job responsibility. Salary
adjustment recommendations are based on our overall performance and an analysis of compensation levels necessary to maintain and
attract quality personnel. <FONT STYLE="color: black">While the Compensation Committee sets the base salary for the Executive Chairman
and President and Chief Executive Officer, the base salaries for all other executive officers are established and reviewed by the
Executive Chairman. On September 1, 2012, Mr. Erbey and Mr. Faris received base salary increases as a result of the recommendations
of Exequity, LLC. Mr. Erbey<FONT STYLE="text-underline-style: none">&rsquo;s</FONT></FONT> base salary <FONT STYLE="text-underline-style: none">was
increased from $500,000 to $725,000, and Mr. Faris&rsquo; base salary was increased from $450,000 to $540,000.</FONT> Messrs. Koches
and Britti did not receive base salary increases in 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B><I>Annual Incentive Compensation</I></B><I>.<B>
</B></I>Ocwen&rsquo;s primary incentive compensation plan for executives is the 2007 Equity Incentive Plan which was approved by
our shareholders. Pursuant to the plan, a participant can earn cash, restricted stock and stock option awards as determined by
the Compensation Committee. Awards under the plan for 2012 were in the form of cash. In determining the composition of the 2012
awards to executives, the Compensation Committee considered the holdings of current executives, the effect of diluting existing
investors and executive preference. The plan provides the Compensation Committee and our management with the authority to establish
incentive award guidelines which are further discussed below.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Each executive officer has a targeted annual
incentive award that is expressed as a percentage of total target compensation. At the executive level in 2012, 20% to 70% of total
target compensation was payable only upon achievement of certain minimum Company and individual performance levels. The appropriate
targeted percentage is determined from benchmarking results and varies depending on the nature and scope of each executive officer&rsquo;s
responsibilities. The table below reflects the percentage of each executive officer&rsquo;s target total compensation that was
allocated to each of base salary and incentive compensation in 2012 and each executive officer&rsquo;s actual total compensation
that was allocated to each of base salary and incentive compensation in 2012:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 21%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Name</TD>
    <TD STYLE="width: 19%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Base Salary % of<BR>
 Target Total<BR>
 Compensation in<BR>
 2012</TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Incentive<BR>
 Compensation % of<BR>
 Target Total<BR>
 Compensation in<BR>
 2012</TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Base Salary % of<BR>
 Actual Total<BR>
 Compensation in<BR>
 2012</TD>
    <TD STYLE="width: 20%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center">Incentive<BR>
 Compensation % of<BR>
 Actual Total<BR>
 Compensation in<BR>
 2012</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">William C. Erbey <SUP>(1)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">40%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">60%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">39%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">61%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">40%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">60%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">32%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">68%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">45%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">55%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">36%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">64%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John V. Britti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">46%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">54%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John P. Van Vlack</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">50%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -1.3pt; padding-left: 5.4pt; text-align: center">100% <SUP>(2)</SUP></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">0%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="color: black">Kenneth D. Najour </FONT><SUP>(1)</SUP></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: none; text-align: center"><FONT STYLE="text-underline-style: none; color: black">69%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: none; text-align: center"><FONT STYLE="text-underline-style: none; color: black">31%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">71%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">29%</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><SUP>(1) </SUP>Note that these percentages
do not reflect the OMS Preferred Stock grants disclosed on pages 17 and 30.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><SUP>(2) </SUP>Mr. Van Vlack resigned from
the Company on March 5, 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Our annual incentive based cash executive
compensation is structured to motivate executives to achieve pre-established key performance indicators by rewarding the executives
for such achievement. This is accomplished by utilizing a balanced scorecard methodology which incorporates multiple financial
and non-financial performance indicators developed through our annual strategic planning process to enhance Company performance
and long-term shareholder value. This corporate scorecard is approved annually by the Compensation Committee and the full Board
of Directors and is utilized by the Compensation Committee as a factor to determine the appropriate amount of incentive compensation
to be paid to the Executive Chairman, President and Chief Executive Officer and other key executives. In determining whether to
approve the corporate scorecard each year, the Compensation Committee considers a number of factors including whether the goals
are consistent with and likely to enhance corporate performance and long-term shareholder value as well as the level of difficulty
associated with attainment of each goal in the scorecard. The intent of the Compensation Committee is to establish the Target goal
at a level that is challenging to achieve.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Our corporate scorecard for 2012 and corresponding
achievement levels are detailed below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 3%; border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(191,191,191)">
    <TD STYLE="border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="13" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">2012 Corporate Scorecard Elements</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD COLSPAN="4" ROWSPAN="2" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold">Corporate Objectives</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(243,243,243)">
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: middle">1.</TD>
    <TD>Achieve Earnings Per Share target</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">95% of Target = $1.15</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">$1.21</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">105% of Target = $1.27</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">2.</TD>
    <TD>Reduce asset intensity by:</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top">Reducing average days loans spend in 90+ contractual delinquency</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">7% reduction from 2011 average</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">9% reduction from 2011 average</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">12% reduction from 2011 average</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top">Reducing Gross Advances in relation to unpaid principal balance</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">19% reduction from 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">21% reduction from 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">23% reduction from 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: windowtext 2pt solid; vertical-align: top">3.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">Improve the 2012 Average 60+ delinquency rate for the static pool</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">5% reduction from 12/31/2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">10% reduction from 12/31/2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">15% reduction from 12/31/2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="font-size:1px">
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%">&nbsp;</TD>
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 15%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold">Corporate Objectives</TD>
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 2pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-top: windowtext 2pt solid; border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">4.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">Implement Corporate Finance Strategy</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">5.</TD>
    <TD>Build long-term capacity for growth</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD>Flow channel development, including HARP 2.0, CorrespondentOne, Co-issue and mini-bulk</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: windowtext 1pt solid; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">HELOC, Reverse mortgage &amp; other new products</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">6.</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid">Successfully complete the key strategic initiatives of the Company</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">Our key strategic initiatives for 2012 and corresponding achievement levels are detailed below:&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 3%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: #CCCCCC">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Strategic Initiatives</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; font-weight: bold">Strategic Initiatives</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">1.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Acquire $30 billion of new UPB serviced, excluding Saxon and scheduled Chase deal</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">$20 billion</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">$30 billion</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">$40 billion</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">2.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Increase percentage of revenue dollars per marketable loan over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Increase 20%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Increase 40%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Increase 60%</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">3.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">Improve management of Freddie Mac processes</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">4.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Completion of customer-facing model for large bank subservicing</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 8/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 7/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 6/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">5.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Improve Ocwen servicing &ldquo;brand&rdquo; with RMBS investors by improving communication, reporting and transparency</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">6.</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">Execute plan for growth</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
</TABLE>


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    <TD STYLE="border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
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    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; font-weight: bold">Strategic Initiatives</TD>
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">7.</TD>
    <TD>Execute Data Management Strategy</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">2% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">3% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">4% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD>Cost savings in technology &amp; operations over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
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    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
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    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Data architecture implementation, report automation, and data hygiene</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">8.</TD>
    <TD STYLE="text-align: left; vertical-align: top">Lower cost per loan in non-call-center servicing operations</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD>Develop plan to reduce back-office operational costs</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">Prior to 9/30/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">Prior to 8/31/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">Prior to 7/31/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD>Reduce run-rate cost per loan over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">10% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">15% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">20% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Implement OCR technology and cost savings</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 10/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 9/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">Prior to 8/1/12</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">9.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Reduce overall technology cost per loan serviced from 2011, excluding disaster recovery expense or new services</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">3% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">5% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">7% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">10.</TD>
    <TD>Improve management of general and transaction legal expenses over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD>GL account balance reduction</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">10% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">15% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">20% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Reduction in transaction-related third-party legal costs on new deals compared to cost per dollar of UPB for the Litton Deal</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">10% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">15% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">20% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">11.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Improve management of litigation costs over 2011 based on average loan count</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">5% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">10% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">15% reduction</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: left; vertical-align: top">12.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">Deliver high-impact projects into production, measured by number of projects delivered by year-end</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">2 projects</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">3 projects</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">4 projects</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: left; vertical-align: top">13.</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid">Improve REO timeline relative to Q4 2011 baseline performance</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">15% decrease</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">25% decrease</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">35% decrease</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Target</TD></TR>
</TABLE>

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<tr style="font-size:1px">
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; font-weight: bold">Strategic Initiatives</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">14.</TD>
    <TD STYLE="vertical-align: top">Achieve the targeted improvement over 2011 for 2 of the 3 collections effectiveness measures:</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>A.</TD>
    <TD>0-29 Roll Rate Improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3.9% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3.7% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">3.5% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>B.</TD>
    <TD>30-59 Roll Rate Improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">33% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31.3% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">29.7% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">C.</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">60 - 89 Roll Rate Improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">46.5% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">44.2% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">41.9% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>15.</TD>
    <TD>Reduction in 60+ six month re-default rates over 2011 baseline</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">5% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">7.5% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">10% improvement</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">16.</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">Improve foreclosure timelines, throughput and maintaining quality</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top">Reduce effective gross days open for judicial and non-judicial cases</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">5% reduction</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">10% reduction</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">15% reduction</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: windowtext 1pt solid; vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Increase sale completion ratios for judicial and non-judicial cases</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">10% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">20% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">30% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">17.</TD>
    <TD STYLE="vertical-align: top">Achieve targeted improvement for 3 out of 4 call center measures over 2011 performance:</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">A.</TD>
    <TD STYLE="vertical-align: top">ASA (Seconds)</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">20 seconds</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">15 seconds</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">12.5 seconds</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">B.</TD>
    <TD STYLE="vertical-align: top">Abandon Rate %</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">3.0%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">2.0%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">1.75%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">C.</TD>
    <TD STYLE="vertical-align: top">Service Level (% &lt; 90 Seconds)</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">90%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">92%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">94%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">D.</TD>
    <TD STYLE="vertical-align: top">QA %</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">91.6%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">92%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">93%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">18.</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">Improve One Call resolution process and rates across HAMP Modifications, Short Sales, and Appointments Kept % (adjustments allowed by the Executive Chairman for process changes)</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">5% improvement</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">7.5% improvement</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center">10% improvement</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">19.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Overall management of corporate implementation and actions</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">20.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Organizational development and workforce management</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">21.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">Enhance Public Relations &amp; Community Development</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
</TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="font-size:1px">
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; font-weight: bold">Strategic Initiatives</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="border-bottom: Black 2pt solid; text-align: center; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="border-bottom: Black 2pt solid; text-align: center; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">22.</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">Integration of Pricing, Costing and Reporting</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="text-align: center; border-bottom: Black 1pt solid">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="text-align: center; border-bottom: Black 1pt solid">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="text-align: center; border-bottom: Black 1pt solid">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: Black 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">23.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Improve the Finance Department</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">24.</TD>
    <TD STYLE="vertical-align: top">Reduce delinquency percentages over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top">Average monthly 2012 completed modifications as a percentage of 60+ delinquents</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">6.8%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">7.2%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">7.6%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Number of short sales and deed in lieu as a percentage of total property resolutions completed</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">33%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">35%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">37%</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">25.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Improve credit and servicer ratings</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">26.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Develop and execute compliance plans for Federal and AG Settlement, CFPB and other regulatory changes or gaps</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">27.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Improve sigma calculation of customer satisfaction survey over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">4.68 sigma</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">4.72 sigma</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">4.76 sigma</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Target</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">28.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Develop Social Media Plan</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">29.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Improve Staffing Models</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Below Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">30.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Execution of Shared Appreciation Model Plan</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">At the discretion of the Chief Executive Officer</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Outstanding</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">31.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">Execute Formation of OMS</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Outstanding</TD></TR>
</TABLE>





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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="font-size:1px">
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 28%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: windowtext 2pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="border-bottom: windowtext 2pt solid; font-weight: bold">Strategic Initiatives</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: windowtext 1pt solid; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Level<BR> Achieved</TD></TR>
<TR STYLE="background-color: rgb(243,243,243)">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Threshold</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Target</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; font-weight: bold; text-align: center">Outstanding</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">32.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">Improve Total Attrition Rate over 2011</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">10% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">15% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; text-align: center">20% improvement</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center">Threshold</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">33.</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">Attrition Process Management</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 2pt solid; text-align: center">At the discretion of the Executive Chairman</TD>
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: windowtext 2pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center">Threshold</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">The incentive award for our Executive Chairman
was determined by the Compensation Committee based 100% on the Company&rsquo;s performance in meeting the objectives established
in the corporate scorecard.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">The incentive awards for our executive
officers other than the Executive Chairman are structured so that compensation opportunities are related to (i) the performance
appraisal of the executive officer and (ii) the performance within the business or support unit as expressed on each executive
officer&rsquo;s personal scorecard. For the 2012 service year, the applicable percentage weight assigned to each component of each
such executive officer&rsquo;s incentive compensation is detailed below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 45%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold">Name</TD>
    <TD STYLE="width: 27%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Performance Appraisal</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(%)</B></P></TD>
    <TD STYLE="width: 28%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Scorecard</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(%)</B></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Ronald M. Faris</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">20%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">80%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Paul A. Koches</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">20%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">80%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John V. Britti</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">20%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">80%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">John P. Van Vlack</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">20%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">80%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Kenneth D. Najour</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">20%</TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">80%</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Each executive officer&rsquo;s personal
scorecard contains key components of the Company&rsquo;s strategic initiatives related to the executive&rsquo;s business or support
unit. The weighted value of the various goals in each executive scorecard varies depending upon the relative importance of the
goals in and the executive&rsquo;s relative contribution to the ultimate financial performance of the Company and achievement of
the strategic initiatives. Additionally, in developing the goals in the executives&rsquo; scorecards, a methodology is used to
discourage executives from pursuing short term risks to attain their goals. Within each component of the scorecard, there are three
(3) established levels of achievement: Threshold, Target and Outstanding. Achieving the Threshold level of achievement will earn
the executive officer 50% of the target incentive compensation tied to such goal; the Target level of achievement will earn the
executive officer 100% of the target incentive compensation tied to such goal and the Outstanding level of achievement will earn
the executive officer 150% of the target incentive compensation tied to such goal. Any achievement below the Threshold level results
in no compensation to the executive for the associated goal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">These goals and initiatives are further
cascaded to all of our other incentive-eligible employees in their personal scorecards. Within this program, all incentive-eligible
employees are tied to a personal or business unit scorecard from which to measure performance against goals that are directly linked
to corporate profitability and strategy. The scorecards are communicated to all incentive-eligible employees by the Human Resource
Department or the employee&rsquo;s immediate supervisor and are available to employees at all times in our performance management
tracking system. Performance against such scorecards is reviewed with senior management on a quarterly basis and after the end
of each year. This incentive compensation structure is intended to align the goals of our executives with the overall success of
the company while establishing clear performance standards within their respective business or support units.</P>

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    <!-- Field: /Page -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">The personal scorecards for our executive
officers other than the Executive Chairman and the corresponding levels of achievement are as follows:&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="background-color: #BFBFBF; font-size: 10pt">
    <TD COLSPAN="7" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 1.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">Executive Officer Scorecards</TD></TR>
<TR STYLE="background-color: #F3F3F3; font-size: 10pt">
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Name</B></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>%</B></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>2012 Scorecard Elements </B><SUP>(1)</SUP></P></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">Achievement Levels</TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 1.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Level Achieved</B></P></TD></TR>
<TR STYLE="background-color: #F3F3F3; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Threshold</B></P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Target</B></P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Outstanding</B></P></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="6" STYLE="vertical-align: top; width: 14%; border-left: windowtext 1.5pt solid; border-bottom: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Ronald M. Faris</P></TD>
    <TD STYLE="width: 7%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">7.5%</TD>
    <TD STYLE="width: 29%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">Achieve Earnings Per Share target</TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">95% of Target = $1.15</TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">$1.21</TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">105% of Target = $1.27</TD>
    <TD STYLE="width: 11%; border-bottom: windowtext 0.75pt solid; border-right: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">Outstanding</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">7.5%</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Reduce asset intensity by:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reducing
        average days loans spend in 90+ contractual delinquency</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reducing
        Gross Advances in relation to unpaid principal balance</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.6pt">&nbsp;</P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">7% reduction from 2011 average</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">19% reduction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">from 2011</P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">9% reduction from 2011 average</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">21% reduction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">from 2011</P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">12% reduction from 2011 average</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">23% reduction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">from 2011</P></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Outstanding</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">Threshold</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">7.5%</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">Improve the 2012 Average 60+ delinquency rate for the static pool</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">5% reduction from 12/31/2011</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">10% reduction from 12/31/2011</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">15% reduction from 12/31/2011</TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">Outstanding</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">7.5%</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Implement Corporate Finance Strategy</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets
        moved to HLSS</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
        funding of new transactions</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New
        VIII implementation execution</P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">Outstanding</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">7.5%</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Build long-term capacity for growth</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Flow
        channel development, including HARP 2.0, CorrespondentOne, Co-issue and mini-bulk</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HELOC,
        Reverse mortgage &amp; other new products</P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">Target</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">62.5%</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">Successfully complete the key strategic initiatives of the Company</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">At the discretion of the Board</TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt">Outstanding</TD></TR>
</TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="background-color: #F3F3F3; font-size: 10pt">
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Name</B></FONT></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>%</B></FONT></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>2012
        Scorecard Elements </B><SUP>(1)</SUP></FONT></P></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 0.75pt solid; border-bottom: windowtext 0.75pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Achievement
    Levels</FONT></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 1.5pt solid; border-right: windowtext 1.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Level
        Achieved</B></FONT></P></TD></TR>
<TR STYLE="background-color: #F3F3F3; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Threshold</B></FONT></P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Target</B></FONT></P></TD>
    <TD STYLE="border-right: windowtext 0.75pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Outstanding</B></FONT></P></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="3" STYLE="vertical-align: top; width: 14%; border-left: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">Paul A.
        Koches</FONT></P></TD>
    <TD STYLE="width: 7%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">18.75%</FONT></TD>
    <TD STYLE="width: 29%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Achieve
    Earnings Per Share target</FONT></TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">95%
    of Target = $1.15</FONT></TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">$1.21</FONT></TD>
    <TD STYLE="width: 13%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">105%
    of Target = $1.27</FONT></TD>
    <TD STYLE="width: 11%; border-bottom: windowtext 0.5pt solid; border-right: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">18.75%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Implement Corporate Finance
        Strategy</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;
        &nbsp;Assets moved to HLSS</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
        funding of new transactions</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New
        VIII implementation execution</P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">62.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Successfully
    complete the key strategic initiatives of the Company</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD COLSPAN="7" STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="4" STYLE="vertical-align: top; border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">John V. Britti</FONT></P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">12.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Achieve
    Earnings Per Share target</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">95%
    of Target = $1.15</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">$1.21</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">105%
    of Target = $1.27</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; text-indent: 1.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">12.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Implement Corporate Finance
        Strategy</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets
        moved to HLSS</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
        funding of new transactions</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.6pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New
        VIII implementation execution</P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">12.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Build
                                                                                                                                       long-term
                                                                                                                                       capacity
                                                                                                                                       for
                                                                                                                                       growth</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Flow
        channel development, including HARP 2.0, CorrespondentOne, Co-issue and mini-bulk</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 18.75pt; text-indent: -0.25in"><FONT STYLE="font: 10pt Symbol">&#183;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HELOC,
        Reverse mortgage &amp; other new products</P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Target</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">62.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Successfully
    complete the key strategic initiatives of the Company</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White; font-size: 10pt">
    <TD COLSPAN="7" STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="2" STYLE="vertical-align: top; border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; border-left: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">Kenneth
        D. Najour</FONT></P></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">37.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Implement
    Corporate Finance Strategy</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 0.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">62.5%</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Successfully
    complete the key strategic initiatives of the Company</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 0.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">At
    the discretion of the Board</FONT></TD>
    <TD STYLE="border-right: windowtext 1.5pt solid; border-bottom: windowtext 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 10pt"><FONT STYLE="font-size: 10pt">Outstanding</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in"><SUP>(1) </SUP>Please note that scorecard elements were not
established for 2012 prior to John Van Vlack&rsquo;s resignation.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Executive Chairman presents the performance appraisal scores,
personal scorecard performance and recommendations as to the incentive compensation for each executive officer to the Compensation
Committee. The Compensation Committee evaluates the recommendations and determines the final incentive compensation awards for
the executives and other incentive-eligible employees. Annual incentive compensation is paid to our executives and other incentive-eligible
employees after Compensation Committee approval following the service year associated with the incentive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0">Generally, at the first Board of Directors
meeting of the fiscal year, the Compensation Committee approves the corporate scorecard and annual incentive components for the
Executive Chairman, Chief Executive Officer and other executive officers for that fiscal year. Key performance indicators for the
Company for 2013 have been developed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0">The Compensation Committee has approved the
2013 corporate scorecard which includes achieving an earnings per share target, reducing gross advances associated with the servicing
business and continuing to build long-term capacity for growth. In addition, the Compensation Committee approved a component of
the corporate scorecard that provides for successful completion of key strategic initiatives established to enhance long-term corporate
and shareholder value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0">The 2013 corporate strategic initiatives relate
to:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Successful integration of new acquisitions;</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Securing sustainable growth both organically and through
further acquisitions;</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Symbol; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Continuing
                                                                                                                                                      to
                                                                                                                                                      lower
                                                                                                                                                      operating
                                                                                                                                                      costs
                                                                                                                                                      by
                                                                                                                                                      implementing
                                                                                                                                                      a
                                                                                                                                                      new
                                                                                                                                                      data
                                                                                                                                                      strategy,
                                                                                                                                                      introducing
                                                                                                                                                      process
                                                                                                                                                      and
                                                                                                                                                      technology
                                                                                                                                                      improvements
                                                                                                                                                      and
                                                                                                                                                      implementing
                                                                                                                                                      borrower
                                                                                                                                                      self-service
                                                                                                                                                      capabilities;</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Symbol; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left">&#183;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Improving
quality of servicing and improving customer service, especially by improving loss mitigation and finding non-foreclosure alternatives
for borrowers;</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Implementing infrastructure improvements and deploying
a strategic growth management plan; and</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Corporate finance strategies to lower risk and funding
costs.</TD>
</TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Setting Compensation Levels</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">From time to time, the Company will conduct <FONT STYLE="color: black">benchmarking
on Executive Chairman, President and Chief Executive Officer and other executive officer compensation among peer companies of comparable
size, industry, location and similar attributes that compete with Ocwen for qualified management. A benchmarking analysis was last
conducted in 2012 for the Executive Chairman and Chief Executive Officer using peer companies such as: First Horizon National Corp.,
First Niagara Financial Group, Inc., Flagstar Bancorp, Inc., Highwood Properties, Inc., Hudson Pacific Properties, Inc, Nationstar
Mortgage Holdings, Inc., Provident Financial Servicing, Inc., Stewart Information Services Corporation, and Wright Express Corporation.
The information gathered from this comparison group included base salary, cash incentive compensation and equity incentive compensation.
The Compensation Committee believes peer group benchmarking is an effective approach in recruiting and retaining the very best
talent available in the industry. It provides a fair representation of the competitive arena for executive talent and serves the
goals of retention, succession planning and other relevant considerations. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company believes our executive compensation programs are effectively
designed, are in alignment with the interests of our shareholders and are instrumental to achieving our business strategy. In determining
executive compensation for fiscal year 2012, the Compensation Committee considered the overwhelming shareholder support that the
&ldquo;Say-on-Pay&rdquo; proposal received at our May 9, 2012 Annual Meeting of Shareholders. As a result, the Compensation Committee
continued to apply the same effective principles and philosophy it has used in previous years in determining executive compensation
levels and will continue to consider shareholder concerns and feedback in the future. In light of the voting results with respect
to the frequency of stockholder votes on executive compensation at our May 9, 2012 Annual Meeting of Shareholders, the Board decided
that the Company will hold an advisory vote on the compensation of named executive officers at each annual meeting of shareholders
until the next required vote on the frequency of shareholder votes on executive compensation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Based on benchmarking, performance, retention and other the relevant
considerations, the Compensation Committee reviews recommendations and determines appropriate base salary and annual incentive
compensation targets for the Executive Chairman and other executive officers. The Compensation Committee generally makes its determinations
during the second quarter of the year; however, they may make adjustments at other times as appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>Equity Incentive Plan </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The 2007 Equity Incentive Plan is administered by the Compensation
Committee and authorizes the grant of restricted stock, options, stock appreciation rights, stock purchase rights or other equity-based
awards to our employees. The Compensation Committee, in cooperation with senior management, implemented the 2007 Equity Incentive
Plan to motivate employees to make extraordinary efforts to achieve significant improvements to shareholder value, boost retention
of key employees and align the interests of our employees with the interests of our shareholders. Options granted under the plan
may be either &ldquo;incentive stock options&rdquo; as defined in Section&nbsp;422 of the Internal Revenue Code of 1986, as amended,
(the &ldquo;Code&rdquo;) or nonqualified stock options as determined by the Compensation Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: black">As</FONT> the Company considered potential
opportunities to restructure its businesses to increase shareholder value in 2008, the Compensation Committee sought a method of
increasing the incentive for executives to make extraordinary efforts to achieve significant improvements to shareholder value.
As a result, in 2008 the Compensation Committee recommended and the Board of Directors approved the Senior Management Equity <FONT STYLE="color: black">Incentive
Program as a highly shareholder-aligned incentive award opportunity for key members of senior management to receive long-term equity
compensation based on share-value performance criteria. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>OMS Preferred Stock Plan </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">The 2013 Preferred Stock Plan of OMS authorizes
the grant of preferred stock to OMS employees. On March 1, 2013, the board of directors of OMS authorized the issuance of 100 shares
of Class A Preferred Stock to Mr. Erbey and 100 shares of Class B Preferred Stock to Mr. Najour. In addition, OMS declared a dividend
of $7,250 per share of Class A Preferred Stock and $1,030 per share of Class B Preferred Stock, payable on March 1, 2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>Stock Ownership Policies</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">Although we do not have stock ownership
requirements, our philosophy is that equity ownership by our Directors and executives is important to attract, motivate and retain
Directors and executives as well as to align their interests with the interests of our shareholders. The Compensation Committee
believes that the Company&rsquo;s equity incentive plan is adequate to achieve this philosophy. We maintain an insider trading
policy and a management directive detailing our window period policy governing the timing of transactions in securities of the
Company by Directors and executives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Other Compensation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Compensation Committee&rsquo;s policy with respect to other
employee benefit plans is to provide benefits to our employees, including executive officers that are comparable to benefits offered
by companies of a similar size to ours. A competitive comprehensive benefit program is essential to achieving the goal of attracting
and retaining highly qualified employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Private Aviation Service</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In February 2012, Ocwen formed OMS, under the laws of the United
States Virgin Islands, as part of an initiative to consolidate the ownership and management of all of our global servicing assets
and operations under a single entity and cost-effectively expand our U.S.-based servicing activities. As part of this initiative,
Ocwen&rsquo;s Executive Chairman William C. Erbey relocated to St. Croix in August 2012 to serve as Chairman and CEO of OMS. In
connection with Mr. Erbey&rsquo;s relocation to St. Croix, the Board of Directors approved the engagement of a private aviation
service for Mr. Erbey safe and efficient business travel.&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;<B>Potential Payments upon Termination or Change in Control</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">As we have no employment agreements with
our executive officers other than the restrictive covenants noted below, we handle each termination as appropriate in light of
the circumstances. Without any special agreement related to termination, an executive officer would typically receive his or her
base salary and applicable employee benefit plans and programs through the date of termination as well as a severance payment of
two (2) months base salary for each year of service with the Company capped at six (6) months. In addition, the executive officer
would typically retain any vested portion of prior equity awards granted through the 1998 Annual Incentive Plan, the 1991 Non-Qualified
Stock Option Plan, the 2007 Equity Incentive Plan and the 2008 Senior Management Equity Incentive Program. For termination not
due to death, disability or retirement, the executive officer has six (6) months within which to exercise stock options pursuant
to our stock option agreements. Any portion of an equity award not vested will be forfeited unless alternate arrangements are made
in the discretion of the Compensation Committee. Furthermore, pursuant to each stock option agreement granting an equity award,
upon termination of an employee for cause, all outstanding stock options granted pursuant to such stock option agreement are forfeited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Certain of the stock option agreements provide for accelerated vesting
as set forth below. Upon a named executive officer&rsquo;s retirement, disability, death, termination by the Company without &ldquo;cause&rdquo;
or termination by the named executive officer for &ldquo;good reason,&rdquo; as defined in the applicable stock option agreement,
all options that vest over a certain time period (&ldquo;Time-Based Options&rdquo;) would immediately vest. Additionally, pursuant
to these certain agreements, if there is a &ldquo;change of control event&rdquo; as defined in the applicable stock option agreement,
all options, including the Time-Based Options and other options that would otherwise not vest until certain company performance
and timing criteria are met, would immediately vest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">The executive options agreements permitting
accelerated vesting of options upon a change in control were designed to provide the executives with the same opportunities as
shareholders, who are free to sell their equity at the time of the change in control event and thereby realize the value created
at the time of the transaction. In addition, we believe that this vesting provision supports the compelling business need to retain
key employees during the uncertain times preceding a change in control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">As of December 31, 2012, upon his retirement,
disability, death, termination by the Company without &ldquo;cause&rdquo; or termination by Mr. Erbey for &ldquo;good reason,&rdquo;
Mr. Erbey would receive $5,105,000 from the accelerated vesting of options. Upon a &ldquo;change in control,&rdquo; Mr. Erbey would
receive $8,930,916 from the accelerated vesting of options.<FONT STYLE="color: black"> </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">As of December 31, 2012, upon a &ldquo;change
in control,&rdquo; Mr. Faris would receive $4,614,307 from the accelerated vesting of options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">As of December 31, 2012, upon a &ldquo;change
in control,&rdquo; Mr. Koches would receive $2,307,153 from the accelerated vesting of options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">As of December 31, 2012, upon his retirement,
disability or death, Mr. Britti would receive $345,375 from the accelerated vesting of options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We do not have a formal severance plan or policy. When an executive
officer separates from the Company as a result of a reduction in work force, we typically provide the executive with a lump sum
of two (2) months salary for each year of service to the Company up to a maximum of six (6) months salary in exchange for a separation
agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>Restrictive Covenants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">All of our executive officers execute an intellectual property and
non-disclosure agreement upon commencement of their employment. This agreement requires the executive officer to hold all &ldquo;confidential
information&rdquo; in trust for us and prohibits the executive officer from using or disclosing such confidential information except
as necessary in the regular course of our business or that of our affiliates. Other than these restrictive covenants, we generally
do not have employment, non-competition or non-solicitation agreements with our executive officers. From time to time, we enter
into separation agreements with executive officers that contain these provisions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Tax Considerations </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The timing of compensation decisions is driven by a variety of tax
considerations. Under Section 162(m) of the Code, tax deductibility by corporate taxpayers is limited with respect to compensation
of certain executive officers to $1,000,000 per covered executive unless such compensation is based upon the attainment of performance
objectives meeting certain regulatory criteria or is otherwise excluded from the limitation. We obtained shareholder approval of
the 2007 Equity Incentive Plan and all amendments thereto in order to qualify awards under such plans as performance-based compensation
under Section 162(m) of the Code. It is the Compensation Committee&rsquo;s intention to qualify all compensation for performance-based
deductibility under Section 162(m), except in situations where qualifying compensation for the exclusion would be inconsistent
with our overall best interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: red"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In order to satisfy the deductibility requirements under Section&nbsp;162(m)
of the Code, performance objectives must be established in the first ninety (90)&nbsp;days of the performance period and the outcome
of said objectives is still uncertain. For annual incentive awards, this generally means performance objectives must be established
no later than the end of March of each year. In addition, in order to avoid being considered deferred compensation under Section&nbsp;409A
of the Code and to be deductible for the prior tax year, our annual incentive awards with respect to the prior year must be paid
by March&nbsp;15 of each year. All members of our Compensation Committee members qualify as &ldquo;outside directors&rdquo; under
162(m) of the Code.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>EXECUTIVE COMPENSATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Summary Compensation Table </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table discloses compensation received by our current
Chief Executive Officer, Chief Financial Officer, former Chief Financial Officer and three (3) other most highly compensated executive
officers for fiscal years 2012, 2011 and 2010.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="width: 23%; border-top: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Name and </B></FONT></P>
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Principal Position</B></FONT></P></TD>
    <TD STYLE="width: 6%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Year</FONT></TD>
    <TD STYLE="width: 11%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Salary</B><SUP>(1)<BR>
</SUP><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 10%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Stock</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Awards</B><SUP>(2)(3)<BR>
</SUP><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 12%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Option</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Awards</B><SUP>(2)(3)<BR>
</SUP><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 14%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Non-Equity</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Incentive Plan</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Compensation</B><SUP>(4)<BR>
</SUP><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 13%; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>All
Other</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Compensation</B><SUP>(5)<BR>
</SUP><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 11%; border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Total<BR>
($)</B></FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>William C. Erbey</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Executive Chairman</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 0pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$569,231<SUP>(6)</SUP>&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$17,915,000&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.7pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$873,454<SUP>(7)&nbsp;&nbsp;</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$264,201<SUP>(8)</SUP>&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$19,621,886&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$500,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,369,644&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,874,544&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$500,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,358,038&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,862,938&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Ronald M. Faris</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">President and Chief Executive
        Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$477,692<SUP>(9)</SUP>&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,036,800&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$5,000&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,519,492&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$449,999&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$985,500&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,440,399&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$449,999&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$742,770&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,197,669&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Paul A. Koches</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Executive Vice President,</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">General Counsel and Secretary</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$358,065<SUP>(10)</SUP>&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$635,100&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$5,000&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$
    998,165&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$358,065&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$497,153&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$860,118&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$358,065&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$468,269&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 9.6pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$831,234&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>John V. Britti</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Executive Vice President and
        Chief Financial Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.9pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$385,000<SUP>(11)</SUP>&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$591,060&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$596,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$443,058&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -0.45pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$52,593<SUP>(12)</SUP>&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$2,068,211&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$347,981&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$513,230&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$866,111&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.1in; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>John P. Van Vlack</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Former Executive Vice President,
        Chief Financial Officer and Chief Accounting Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$55,769&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$55,769<SUP>(13)</SUP>&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$290,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$2,577,850</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 11.7pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$500,500&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$3,373,250&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$260,769&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$365,438&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">$4,900&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$631,107&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Kenneth D. Najour</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Former Vice President and
        Chief Accounting Officer</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$213,036<SUP>(14)</SUP>&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">88,394<SUP>(15)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">$73,651<SUP>(16)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">$375,081&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.05pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt">2010</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: -5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="8" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: -5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<!-- Field: Page; Sequence: 34; Value: 1 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD>Represents amounts earned in corresponding year.</TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(2)</SUP></TD><TD><FONT STYLE="color: black">Represents the aggregate grant date fair value of stock options and stock awards. These amounts
do not represent the actual amounts paid to or realized by the executive.</FONT></TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: black"><SUP>(3)</SUP></FONT></TD><TD>For awards of options, the amount disclosed represents the aggregate grant date fair value computed in accordance with Financial
Accounting Standards Board<FONT STYLE="color: #1F497D"> (&ldquo;</FONT>FASB&rdquo;) Accounting Standards Codification<FONT STYLE="color: #1F497D">
(&ldquo;</FONT>ASC&rdquo;) Topic 718. We based the grant date fair value of stock awards on the closing price of our common stock.
We estimated the grant date fair value of stock option awards using a Black-Scholes option-pricing model and a binomial option
pricing model utilizing the following assumptions:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 95%; font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; margin-left: 0.25in">
<TR STYLE="background-color: #F2F2F2">
    <TD COLSPAN="6" STYLE="border: windowtext 2pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Service
    Condition Awards - Black-Scholes Option Pricing Model</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #F2F2F2">
    <TD STYLE="width: 13%; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Performance</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Year</B></FONT></P></TD>
    <TD STYLE="width: 19%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Expected
        Volatility</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>(%)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Expected
    Dividend<BR>
 Yield (%)</FONT></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Exercise
        Price</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Risk-Free
        Interest</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Rate
        (%)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 2pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Expected
        Term in</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Years</B></FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2002</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">62%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1.87</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2.73%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2003</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">48%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$6.18</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">3.25%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2004</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">43%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$6.57</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">3.61%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2005</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">36%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$6.10</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">4.35%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2006</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">33%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.05in; text-align: center"><FONT STYLE="font-size: 10pt">$11.88</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">4.78%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2008</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">38%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$8.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">3.48%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2009</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">38%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$10.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2.51%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">41%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$12.83</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">1.57%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">6.5</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">40%
    - 42%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$15.27
    &ndash; $24.38</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">1.20%
    - 1.60%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">6.5</FONT></TD></TR>
</TABLE>
<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 95%; font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; margin-left: 0.25in">
<TR STYLE="background-color: #F2F2F2">
    <TD COLSPAN="6" STYLE="border: windowtext 2pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Market
    Condition Awards - Binomial Option Pricing Model</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #F2F2F2">
    <TD STYLE="width: 13%; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Performance</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Year</B></FONT></P></TD>
    <TD STYLE="width: 19%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Expected
        Volatility</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>(%)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Expected
    Dividend<BR>
 Yield (%)</FONT></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Exercise
        Price</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Risk-Free
        Interest</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Rate
        (%)</B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 2pt solid"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Contract
        Term in</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Years</B></FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2008</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">38%
    - 46%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: -0.05in; text-align: center"><FONT STYLE="font-size: 10pt">$8.00</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2.15%
    - 4.28%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2009</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">38%
    - 46%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$10.67</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.38%
    - 3.94%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2011</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">30%
    &ndash; 41%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$12.83</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.35%
    - 2.74%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">2012</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">6.87%
    - 41.86%</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$15.27
    - $24.38</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.70%
    - 3.06%</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; text-align: center"><FONT STYLE="font-size: 10pt">10</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: black"><SUP>(4)</SUP></FONT></TD><TD>Consists of the cash portion of incentive compensation bonus awarded in the first quarter of the year following the year in
which services are rendered.</TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(5)</SUP></TD><TD>Consists of contributions by Ocwen pursuant to Ocwen&rsquo;s 401(k) Savings Plan, salary adjustments and any relocation expenses.</TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(6)</SUP></TD><TD>Consists of the base salary received by Mr. Erbey of $269,231 from OLS and $300,000 from OMS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(7)</SUP></TD><TD>Consists of the cash portion of incentive compensation bonus awarded to Mr. Erbey from OMS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(8)</SUP></TD><TD>Includes (i) the aggregate incremental cost to Ocwen for Mr. Erbey&rsquo;s use of the private aviation service of $63,552 related
to flights taken by Mr. Erbey for business travel; and (ii) $195,648 for expenses associated with Mr. Erbey&rsquo;s relocation
from his home in Atlanta, Georgia to St. Croix for OMS. Also, in order to facilitate Mr. Erbey&rsquo;s relocation to St. Croix,
the Board of Directors approved Ocwen&rsquo;s purchase of Mr. Erbey&rsquo;s residence in Atlanta, Georgia at an amount approved
by the Board, consistent with Ocwen&rsquo;s standard senior executive relocation policy and practice. For more information about
this transaction, see &ldquo;Business Relationships and Related Transactions.&rdquo; The aggregate incremental cost for use of
the private aviation service for commuting and for personal travel not directly related to Ocwen business is the full cost as charged
to Ocwen by the charter company to charter the private plane for such uses.</TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(9)</SUP></FONT></TD><TD>Includes base salary received by Mr. Faris of $353,077 from OLS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(10)</SUP></FONT></TD><TD>Includes base salary received by Mr. Koches of $275,435 from OLS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(11)</SUP></FONT></TD><TD>Includes base salary received by Mr. Britti of $296,154 from OLS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(12)</SUP></FONT></TD><TD>Includes $48,742 from OLS for expenses associated with Mr. Britti&rsquo;s relocation.</TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(13)</SUP></FONT></TD><TD>Mr. Van Vlack resigned from the Company on March 5, 2012.</TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><SUP>&nbsp;</SUP></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(14)</SUP></FONT></TD><TD>Consists of the base salary received by Mr. Najour of $141,885 from OLS and $71,151 from OMS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(15)</SUP></FONT></TD><TD>Consists of the cash portion of incentive compensation bonus awarded to Mr. Najour from OMS.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt"><SUP>(16)</SUP></FONT></TD><TD>Includes $21,803 and $48,818, from OLS and OMS, respectively, for expenses associated with Mr. Najour&rsquo;s relocation.</TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">For more information about the elements of the compensation paid
to our named executive officers, see &ldquo;Compensation Discussion and Analysis&rdquo; above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Grants of Plan-Based Awards for 2012</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table provides information related to compensation
pursuant to our annual incentive plan for services rendered in fiscal year 2012 by the individuals named in the Summary Compensation
Table.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD ROWSPAN="2" STYLE="border: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Name</FONT></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Grant
        Date</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P></TD>
    <TD COLSPAN="3" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Estimated
        Future Payouts</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Under
        Non-Equity</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Incentive
        Plan Awards</B><SUP>(1)</SUP></FONT></P></TD>
    <TD STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Estimated<BR>

    Future Payouts<BR>
 Under Equity<BR>
 Incentive Plan<BR>
 Awards</FONT></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>All
        Other Stock Awards: Number of Shares of Stocks or Units</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>(#)</B></FONT></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>All
        Other Option Awards: Number of Securities Underlying Options</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>(#)</B><SUP>(2)</SUP></FONT></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Exercise
        or Base Price of Option Awards</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B></FONT></P></TD>
    <TD ROWSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Grant
        Date Fair Value of Stock and Option Awards</B></FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>($)</B><SUP>(3)</SUP></FONT></P></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Threshold</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">($)</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Target</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">($)</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Maximum</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">($)</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Target</FONT></P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">($)</FONT></P></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="width: 8%; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">William
    C. Erbey</FONT></TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">08/21/12</FONT></TD>
    <TD STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$188,691</FONT></TD>
    <TD STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$377,381</FONT></TD>
    <TD STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$566,072</FONT></TD>
    <TD STYLE="width: 16%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 12.95pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">2,000,000&nbsp;</FONT></TD>
    <TD STYLE="width: 9%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$24.38</FONT></TD>
    <TD STYLE="width: 10%; border-bottom: windowtext 1pt solid; border-right: windowtext 2pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$17,915,000</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">Ronald
    M. Faris</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$360,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$720,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$1,080,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 12.95pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">Paul
    A. Koches</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$218,818</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$437,635</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$656,453</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 12.95pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">John
    V. Britti</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">03/05/12</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$192,500</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$385,000</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$577,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$75,000
    <SUP>(4)</SUP></FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">18,000</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">100,000&nbsp;</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$16.17</FONT></TD>
    <TD ROWSPAN="3" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">1,187,560&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$150,000
    <SUP>(5)</SUP></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$75,000
    <SUP>(6)</SUP></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">John
    P. Van Vlack</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$127,375</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$254,750</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$382,125</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 12.95pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt"><FONT STYLE="font-size: 10pt">Kenneth
    D. Najour</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$16,748</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$
    33,496</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">$50,244</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.9pt; padding-left: 2pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.9pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2.15pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 1.45pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 0.7pt; padding-left: 2pt; text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD>These figures represent the potential non-equity compensation that may have been earned by each respective executive officer
in 2012 under the different achievement levels presented on their personal scorecards which are more fully discussed in our Compensation
Discussion and Analysis. The Compensation Committee is also authorized to make discretionary awards in excess of the maximum amounts
indicated above. Under our current compensation structure, all non-equity incentive compensation is paid to the executive officer
in the first quarter of the year following the year in which service was rendered. The actual amount of non-equity incentive compensation
that was paid to our named executive officers in 2012 is set forth in the &ldquo;Non-Equity Incentive Plan Compensation&rdquo;
column of the &ldquo;Summary Compensation Table&rdquo; above.</TD></TR></TABLE>


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<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(2)</SUP></TD><TD>The amount represents shares underlying options awarded, a portion of which are time-based option awards and a portion of which
are market-based option awards, as described in the footnotes to the &ldquo;Outstanding Equity Awards at Fiscal Year-End&rdquo;
table below.</TD></TR></TABLE>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(3)</SUP></TD><TD>The amount represents the fair value of the awards on the date of grant, as computed in accordance with FASB ASC Topic 718
and the assumptions stated in footnote #3 to the &ldquo;Summary Compensation Table&rdquo; above and in Note #25 to the consolidated
financial statements in of our Form 10-K filed on March 1, 2013.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.15pt"><SUP>(4)</SUP></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="letter-spacing: -0.15pt">This award vests in four (4) equal annual increments on November
29 of each year from 2012 through 2015 so long as Mr. Britti is an employee of the Company or a subsidiary of the Company at the
time of each vesting. The number of shares to be issued is based upon the share price of our common stock on each respective vesting
date. The award does not contain a threshold or maximum payout amount. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify"><FONT STYLE="letter-spacing: -0.15pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.15pt"><SUP>(5)</SUP></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="letter-spacing: -0.15pt">This award vests in four (4) equal annual increments commencing
on the date that certain financial performance criteria set forth in the award agreement were met (September 5, 2012) and on the
anniversary of the initial vesting for three years afterwards, so long as Mr. Britti is an employee of the Company or a subsidiary
of the Company at the time of each vesting. The number of shares to be issued is based upon the share price of our common stock
on each respective vesting date. The award does not contain a threshold or maximum payout amount. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="letter-spacing: -0.15pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="letter-spacing: -0.15pt"><SUP>(6)</SUP></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="letter-spacing: -0.15pt">This award vests in four (4) equal annual increments commencing
on the date that certain financial performance criteria set forth in the award agreement were met (October 24, 2012) and on the
anniversary of the initial vesting for three years afterwards, so long as Mr. Britti is an employee of the Company or a subsidiary
of the Company at the time of each vesting. The number of shares to be issued is based upon the share price of our common stock
on each respective vesting date. The award does not contain a threshold or maximum payout amount. </FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.2pt"><B>Outstanding Equity Awards
at Fiscal Year-End</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in"><FONT STYLE="letter-spacing: -0.2pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table provides information regarding outstanding equity
awards at December 31, 2012 for the individuals named in the Summary Compensation Table.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #F3F3F3; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Option
    Awards</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3; font-size: 10pt">
    <TD STYLE="width: 21%; border-left: windowtext 2pt solid; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;<FONT STYLE="font-size: 10pt"><B>Name</B></FONT></P></TD>
    <TD STYLE="width: 16%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number
        of Securities</B><BR>
        <B>Underlying</B><BR>
        <B>Unexercised </B><BR>
        <B>Options</B><BR>
        <B>Exercisable</B><BR>
        <B>(#) </B></FONT></P></TD>
    <TD STYLE="width: 17%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number
        of Securities</B><BR>
        <B>Underlying</B><BR>
        <B>Unexercised </B><BR>
        <B>Options</B><BR>
        <B>Unexercisable(1)</B><BR>
        <B>(#) </B></FONT></P></TD>
    <TD STYLE="width: 18%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Equity
Incentive Plan</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Awards: Number of</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Securities Underlying </B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Unexercised Unearned <BR>
Options(2)</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>(#)</B></FONT></P></TD>
    <TD STYLE="width: 12%; border-bottom: windowtext 2pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Option
        </B><BR>
        <B>Exercise</B><BR>
        <B>Price(3)</B><BR>
        <B>($)</B></FONT></P></TD>
    <TD STYLE="width: 16%; border-bottom: windowtext 2pt solid; border-right: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Option
        </B><BR>
        <B>Expiration Date</B></FONT></P></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="11" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 3.95pt 0 2.45pt"><FONT STYLE="font-size: 10pt">William C.
        Erbey</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">12,736</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$3.72367</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/14</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">50,943</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$6.46521</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/14</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">47,872</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$4.84438</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/15</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">69,805</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$5.80844</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/16</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">102,821</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$7.15812</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">05/10/17</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">600,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">1,200,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;
    07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">300,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.05in; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">300,000<SUP>(4)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;
    07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 0.05in; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">500,000<SUP>(5)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$24.38000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">08/21/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">1,000,000<SUP>(6)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$24.38000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">08/21/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 10pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">500,000<SUP>(7)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$24.38000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.85pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">08/21/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 6.35pt; padding-left: 2.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="8" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">Ronald M. Faris</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">13,390</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$3.72367</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/14</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">53,560</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$6.46521</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/14</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">37,301</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$4.84438</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/15</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">60,504</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$5.80844</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">01/31/16</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">84,861</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$7.15812</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">05/10/17</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">310,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">620,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">155,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">155,000<SUP>(4)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 6.35pt; padding-left: 2.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="2" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2.45pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Paul
    A. Koches</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">245,000</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">77,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">77,500<SUP>(4)
    </SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$4.82028</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">07/14/18</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 6.35pt; padding-left: 2.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="3" STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">John V. Britti</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">6,250</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">18,750<SUP>(14)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$16.17000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">03/05/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">12,500</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">37,500<SUP>(15)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$16.17000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">03/05/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">6,250</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">18,750<SUP>(13)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;$16.17000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">03/05/22</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border-right: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: 6.35pt; padding-left: 2.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD ROWSPAN="6" STYLE="vertical-align: top; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">John P. Van Vlack</FONT></P></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">5,000<SUP>(8)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt; border-top: Black 1pt solid"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$10.67000</FONT></TD>
    <TD STYLE="border-top: windowtext 1pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">11/04/19</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">30,000<SUP>(9)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$10.67000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">11/04/19</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">15,000<SUP>(10)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$10.67000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">11/04/19</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">102,187<SUP>(11)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$12.83000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">10/07/21</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">204,375<SUP>(12)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$12.83000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">10/07/21</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">1,251</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">102,187<SUP>(13)</SUP></FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">$12.83000</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">10/07/21</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White; font-size: 10pt">
    <TD COLSPAN="6" STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 10.1pt; padding-left: 2.45pt; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="vertical-align: top; border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.45pt"><FONT STYLE="font-size: 10pt">Kenneth D. Najour</FONT></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 8.5pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 13pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: Black 2pt solid; padding-right: 4pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: Black 2pt solid; padding-right: 10.1pt; padding-left: 2pt; text-align: right; font-size: 10pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD></TR>
</TABLE>
<!-- Field: Page; Sequence: 38; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 2pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->37<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(1)</SUP></TD><TD>Options awarded where the applicable performance hurdles have been met but remain subject to time based criteria.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(2)</SUP></TD><TD>Options awarded where the performance hurdles have not been met.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(3)</SUP></TD><TD>Option exercise prices were adjusted for Ocwen stock options outstanding
on or before the Altisource spin-off transaction completed on August 10, 2009 to reflect the value of Altisource stock distributed
to Ocwen shareholders.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(4)</SUP></TD><TD>Options vest in two equal installments on 10/27/13 and 10/27/14.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(5)</SUP></TD><TD>Options vest in four equal installments on 08/21/13, 08/21/14, 08/21/15 and 08/21/16.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(6)</SUP></TD><TD>One-fourth vests upon achieving a stock price of $48.76 and compounded annual gain of 20% over the exercise price with the
balance vesting one-fourth each subsequent year.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(7)</SUP></TD><TD>One-fourth vests upon achieving a stock price of $73.14 and compounded annual gain of 25% over the exercise price with the
balance vesting one-fourth each subsequent year.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(8)</SUP></TD><TD>Options vest on 11/04/13.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(9)</SUP></TD><TD>Options vest in three equal installments on 08/02/13, 08/02/14 and 08/02/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(10)</SUP></TD><TD>Options vest in three equal installments on 10/03/13, 10/03/14 and 10/03/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(11)</SUP></TD><TD>Options vest in three equal installments on 10/07/13, 10/07/14 and 10/07/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(12)</SUP></TD><TD>Options vest in three equal installments on 08/29/13, 08/29/14 and 08/29/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(13)</SUP></TD><TD>Options vest in three equal installments on 10/24/13, 10/24/14 and 10/24/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(14)</SUP></TD><TD>Options vest in three equal installments on 11/29/13, 11/29/14 and 11/29/15.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><SUP>(15)</SUP></TD><TD>Options vest in three equal installments on 09/05/13, 09/05/14 and 09/05/15.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Option Exercises and Stock Vested</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table provides information relating to the amounts
realized on the exercise of options and the vesting of restricted stock during fiscal year 2012 for the individuals named in the
Summary Compensation Table.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.05pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="background-color: #F3F3F3">
    <TD ROWSPAN="2" STYLE="vertical-align: bottom; border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt">
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 4pt"><B>&nbsp;</B></P>
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 4pt"><B>&nbsp;</B></P>
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 4pt"><B>&nbsp;</B></P>
        <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0 0 0 4pt"><B>Name</B></P></TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; font-weight: bold; text-align: center">Option Awards</TD>
    <TD COLSPAN="2" STYLE="border-top: windowtext 2pt solid; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; font-weight: bold; text-align: center">Stock Awards</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #F3F3F3; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Number of</B><BR>
<B>Shares</B><BR>
<B>Acquired</B><BR>
<B>on Exercise<BR>
(#)</B></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Value Realized</B><BR>
<B>on Exercise<BR>
($)</B></P></TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Number of</B><BR>
<B>Shares</B><BR>
<B>Acquired</B><BR>
<B>on Vesting<BR>
(#)</B></P></TD>
    <TD STYLE="border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Value Realized</B><BR>
<B>on Vesting<BR>
($)</B></P></TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="width: 32%; border-left: windowtext 2pt solid; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">William C. Erbey</TD>
    <TD STYLE="vertical-align: bottom; width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">226,163</TD>
    <TD STYLE="vertical-align: bottom; width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">$4,329,557</TD>
    <TD STYLE="vertical-align: bottom; width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; width: 17%; border-bottom: windowtext 1pt solid; border-right: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">Ronald M. Faris</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">79,453</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">1,167,437</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">Paul A. Koches</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">220,000</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">$6,103,538</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">John V. Britti</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">8,463</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">$288,529</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">John P. Van Vlack</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">165,000</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">$3,402,875</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 2pt solid; border-bottom: windowtext 1pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD></TR>
<TR STYLE="background-color: White; font-size: 10pt">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; border-left: windowtext 2pt solid; padding-right: 2pt; padding-left: 4pt; font-size: 10pt">Kenneth D. Najour</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 1pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD>
    <TD STYLE="vertical-align: bottom; border-right: windowtext 2pt solid; border-bottom: windowtext 2pt solid; padding-right: 2pt; padding-left: 2pt; font-size: 10pt; text-align: center">&mdash;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Report of the Compensation Committee </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Compensation Committee of the Board of Directors has reviewed
and discussed the Compensation Discussion and Analysis included on pages 20 through 38 of this proxy statement with management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Based on the review and discussion, the Compensation
Committee recommended to the Board of Directors that the Compensation Discussion and Analysis be included in this proxy statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt">                                                                                                                            <TR STYLE="vertical-align: top">
<TD STYLE="text-align: left">&nbsp;</TD><TD><B>Compensation Committee:</B></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 67%; text-align: left">March 29, 2013</TD><TD STYLE="width: 33%">   William H. Lacy, Chairman</TD>
</TR>     <TR STYLE="vertical-align: top">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Ronald
                                        J. Korn, Director<BR>
                                        Wilbur L. Ross, Jr., Director<BR>
                                        Barry N. Wish, Former Committee Member</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>RATIFICATION OF APPOINTMENT OF </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Proposal Two)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Audit Committee of our Board of Directors has appointed Deloitte
&amp; Touche LLP, independent registered public accountants, to be our independent registered public accounting firm for the year
ending December 31, 2013 and has further directed that such appointment be submitted for ratification by our shareholders at the
Annual Meeting. Although shareholder ratification of the Audit Committee&rsquo;s action in this respect is not required, the Audit
Committee considers it desirable for shareholders to ratify such appointment. If the shareholders do not ratify the appointment
of Deloitte &amp; Touche LLP, the Audit Committee may, in its sole discretion, reevaluate the engagement of the independent auditors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Representatives of Deloitte &amp; Touche LLP will be present at
the Annual Meeting, will be given the opportunity to make a statement, if they so desire, and will be available to respond to appropriate
questions from you.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OUR BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS
THAT YOU VOTE &ldquo;FOR&rdquo; THE <BR>
APPOINTMENT OF DELOITTE &amp; TOUCHE LLP</B> <B>AS THE INDEPENDENT REGISTERED PUBLIC <BR>
ACCOUNTING
FIRM FOR 2013.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Report of the Audit Committee </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Audit Committee of the Board of Directors has:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Reviewed and discussed with management Ocwen&#8217;s audited financial statements as of and for the year ended December 31,
2012;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Discussed with Deloitte &amp; Touche LLP, Ocwen&#8217;s independent registered public accounting firm, the matters required
to be discussed by Statement on Auditing Standards No. 61, &#8220;Communication with Audit Committees,&#8221; as amended, as adopted
by the Public Company Accounting Oversight Board in Rule 3200T; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Received and reviewed the written disclosures and the letter<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"> </FONT>required
by the applicable requirements of the Public Company Accounting Oversight Board regarding the independent registered certified
public accounting firm&rsquo;s communications with the Audit Committee concerning independence and discussed with Deloitte &amp;
Touche LLP their independence.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In reliance on the review and discussion referred to above, the
Audit Committee recommended to the Board of Directors that the audited financial statements be included in Ocwen&rsquo;s annual
report on Form 10-K for the year ended December 31, 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt">                                                                                                                            <TR STYLE="vertical-align: top">
<TD STYLE="text-align: left">&nbsp;</TD><TD><B>Audit Committee:</B></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 60%; text-align: left">February 19, 2013</TD><TD STYLE="width: 40%"> Ronald J. Korn, Chairman</TD>
</TR>     <TR STYLE="vertical-align: top">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Robert A. Salcetti, Director</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Barry N. Wish, Director</P>
</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Deloitte &amp; Touche LLP Fees</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table shows the aggregate fees billed to Ocwen for
professional services by Deloitte &amp; Touche LLP for fiscal years 2012 and 2011:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2012</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2011</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,204)">
    <TD STYLE="width: 74%; font-weight: bold; text-align: left; padding-left: 5.4pt">Audit Fees</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">1,542,958</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">1,564,779</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 5.4pt">Audit Related Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,997</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,204)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 5.4pt">Tax Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">10,800</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">16,882</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All Other Fees</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">250,000</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">0</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,204)">
    <TD STYLE="font-weight: bold; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">1,803,758</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 2.5pt double;">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">1,586,658</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: left">&nbsp;</TD></TR>
</TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Audit Fees.</I></B> This category includes the aggregate fees
billed for professional services rendered for the audits of Ocwen&rsquo;s consolidated financial statements for fiscal years 2012
and 2011, for the reviews of the financial statements included in Ocwen&rsquo;s quarterly reports on Form 10-Q during fiscal years
2012 and 2011 and for services that are normally provided by the independent registered public accounting firm in connection with
statutory and regulatory filings or engagements for the relevant fiscal years. <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Audit-Related Fees.</I></B> This category includes the aggregate
fees billed in each of the last two (2) fiscal years for assurance and related services by the independent registered certified
public accounting firm that are reasonably related to the performance of the audits or reviews of the financial statements and
are not reported above under &ldquo;Audit Fees&rdquo; and generally consist of fees for other attest engagements under professional
auditing standards, internal control-related matters, audits of employee benefit plans and due diligence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Tax Fees.</I></B> This category includes the aggregate fees
billed in each of the last two (2) fiscal years for professional services rendered by the <FONT STYLE="color: black">independent
registered public accounting firm for tax compliance, tax planning and tax advice. </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>All Other Fees.</I></B> This category includes the aggregate
fees billed in each of the last two (2) fiscal years for products and services provided by the independent registered public accounting
firm that are not reported above under &ldquo;Audit Fees,&rdquo; &ldquo;Audit-Related Fees&rdquo; or &ldquo;Tax Fees.&rdquo; This
also includes fees for assisting management to document the reorganization of certain subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Audit Committee considered the compatibility of the non-audit-related
services provided by and fees paid to Deloitte &amp; Touche LLP in 2012 and the proposed services for 2013 and determined that
such services and fees are compatible with the independence of Deloitte &amp; Touche LLP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Audit Committee Pre-Approval Policy.</I></B><I> </I>The Audit
Committee is required to pre-approve the audit and non-audit services performed by the independent registered public accounting
firm in order to assure that the provision of such services does not impair the independent registered public accounting firm&rsquo;s
independence. Unless a type of service to be provided by the independent registered public accounting firm has received general
pre-approval, it will require specific pre-approval by the Audit Committee. In 2012, less than 1% of the fees associated with the
independent registered public accounting firm services were not pre-approved by the Audit Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Audit Committee may delegate pre-approval authority to one or
more of its members. The member or members to whom such authority is delegated shall report any pre-approval decisions to the Audit
Committee at its next scheduled meeting. The Audit Committee does not delegate its responsibilities to pre-approve services performed
by the independent auditor to management.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ADVISORY VOTE TO APPROVE NAMED EXECUTIVE
OFFICER COMPENSATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Proposal Three)&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">As required pursuant to Section 14A of the Securities Exchange Act
of 1934, as amended, the Company is presenting this proposal which gives you as a shareholder the opportunity to approve or not
approve our pay program for named executive officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">As described in detail under the heading &ldquo;Executive Compensation
&ndash; Compensation Discussion and Analysis,&rdquo; our executive compensation programs are designed to attract, incentivize and
retain our named executive officers, who are critical to our success. Pursuant to these programs, the Company seeks to compensate
the named executive officers for achieving strategic business goals. Please read the &ldquo;Compensation Discussion and Analysis&rdquo;
for additional details about our executive compensation programs including information about the fiscal year 2012 compensation
of our named executive officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Accordingly, we will ask our shareholders to vote on the following
proposed resolution at the Annual Meeting:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify">&ldquo;RESOLVED, that the Company&rsquo;s
shareholders approve, on an advisory basis, the compensation of the named executive officers, as disclosed in the Company&rsquo;s
Proxy Statement for the 2013 Annual Meeting of Shareholders pursuant to the compensation disclosure rules of the Securities and
Exchange Commission including the Compensation Discussion and Analysis, the compensation tables and any related material.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">While our Board of Directors intends to carefully consider the shareholder
vote resulting from the proposal, the final vote will not be binding on us and is advisory in nature.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">You may vote for or against or abstain from the approval of the
compensation of the Company&rsquo;s named executive officers as disclosed in the Compensation Discussion and Analysis, the compensation
tables and any related material contained in this proxy statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 24.5pt"><FONT STYLE="color: black"><B>OUR
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS THAT YOU VOTE &ldquo;FOR&rdquo; THE <BR>
APPROVAL, ON AN ADVISORY BASIS, OF THE COMPENSATION
OF THE COMPANY&rsquo;S NAMED <BR>
EXECUTIVE OFFICERS, AS DISCLOSED IN THIS PROXY STATEMENT.</B></FONT><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>BUSINESS RELATIONSHIPS AND RELATED TRANSACTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Board of Directors has adopted a policy and procedure for the
review, approval and monitoring of transactions involving Ocwen and related persons (Directors and executive officers or their
immediate family members or shareholders owning 5% or greater of the Company&rsquo;s outstanding stock) within our written Code
of Business Conduct and Ethics which is <FONT STYLE="color: black">available at </FONT><U>www.ocwen.com</U><FONT STYLE="color: black">.
The policy</FONT> and procedure are not limited to related person transactions that meet the threshold for disclosure under the
relevant Securities and Exchange Commission rules as they broadly cover any situation in which a conflict of interest may arise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Any situation that potentially involves a conflict of interest is
to be immediately disclosed to the Company&rsquo;s General Counsel who must assess the nature and extent of any concern and then
recommend any follow up action, as needed. The General Counsel will notify the Chairman of the Board if any such situation requires
notice to or approval of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Related persons are required to obtain the prior written approval
of the Audit Committee of the Board of Directors before participating in any transaction or situation that may pose a conflict
of interest. <FONT STYLE="color: black">In considering a transaction, the Audit Committee will consider all relevant factors including
(i)&nbsp;whether the transaction is in the best interests of Ocwen; (ii) alternatives to the related person transaction; (iii)&nbsp;whether
the transaction is on terms comparable to those available to third parties; (iv)&nbsp;the potential for the transaction to lead
to an actual or apparent conflict of interest and any safeguards imposed to prevent such actual or apparent conflicts and (v)&nbsp;the
overall fairness of the transaction to Ocwen. The Committee will periodically monitor any approved transactions to ensure that
there are no changed circumstances that would render it advisable for the Company to amend or terminate the transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with Executive Chairman of the Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="color: black">Mr. Erbey currently serves as Executive
Chairman of Ocwen and Chairman of Altisource, HLSS, Altisource Residential Corporation (&ldquo;Residential&rdquo;) and Altisource
Asset Management Corporation (&ldquo;AAMC&rdquo;). As a result, he has obligations to the Company as well as to Altisource, HLSS,
Residential and AAMC. </FONT>As of December&nbsp;31, 2012, Mr. Erbey owned or controlled more than 13.1% of Ocwen&rsquo;s common
stock, 23.4% of Altisource&rsquo;s common stock, 2% of HLSS ordinary shares, 23% of Residential&rsquo;s common stock and 23% of
AAMC&rsquo;s common stock. Due to the nature of Mr. Erbey&rsquo;s obligations to each of the companies, he recuses himself from
decisions pertaining to any related transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mr. Erbey has relocated to St. Croix, USVI to serve as Chairman
and CEO of OMS, a wholly-owned subsidiary of Ocwen. On August 21, 2012, the Board of Directors approved Ocwen&rsquo;s purchase
of Mr. Erbey&rsquo;s residence in Atlanta, Georgia, for his cost-basis in the home of $6.477 million. Ocwen also incurred approximately
$24,000 of related transaction costs. The transaction is consistent with Ocwen&rsquo;s standard senior executive relocation policy
and practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with Altisource</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">For purposes of governing certain of the ongoing relationships between
Ocwen and Altisource after Altisource&rsquo;s spin-off from Ocwen into a separate publicly traded company on August 10, 2009, and
to provide for an orderly transition to the status of two independent companies, we entered into certain agreements with Altisource.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In 2010, we entered into an agreement to sublease from Altisource
our principal executive office space in Atlanta, Georgia through October 2014 for an aggregate of $33,444 payable over the tem
of the sublease.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Under a Transition Services Agreement, the companies provided to
each other services in such areas as human resources, vendor management, corporate services, six sigma, quality assurance, quantitative
analytics, treasury, accounting, tax matters, risk management, law, strategic planning, compliance and other areas. The Transition
Services Agreement was amended on August 10, 2011, in order to extend the initial twenty-four month term for an additional twelve
months, and it expired on August 10, 2012.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On the expiration date, OMS entered into a Support Services Agreement
with Altisource setting forth certain services OMS and Altisource will provide to each other, which are similar to the services
provided pursuant to the Transition Services Agreement. The Support Services Agreement has an initial term of five years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On August 10, 2012, OMS also entered into a Services Agreement,
a Technology Products Services Agreement and a Center and Disaster Recovery Services Agreement under which Altisource will provide
services similar to those formerly provided to Ocwen under comparable agreements. Under the Services Agreement, Altisource provides
various business process outsourcing services, such as valuation services and property preservation and inspection services, among
other things. Altisource also provides certain technology products and support services to OMS under the Technology Products Services
Agreement and the Data Center and Disaster Recovery Services Agreement both of which have an initial term of eight years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our business is currently dependent on many of the services and
products provided under these long-term contracts. We believe the rates charged under these agreements are market rates as they
are materially consistent with one or more of the following: the fees charged by Altisource to other customers for comparable services
and the rates OMS pays to or observes from other service providers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Ocwen and Altisource each hold a 49% equity interest in Correspondent
One S.A., a company that facilitates the purchase of conforming and government-guaranteed residential mortgages from approved mortgage
originators and resells the mortgages to secondary market investors. As of December 31, 2012, Ocwen had invested approximately
$13.432 million in Correspondent One.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In February 2013, Altisource entered into non-binding letters of
intent with Ocwen to acquire certain fee-based businesses related to Ocwen&rsquo;s acquisition of Homeward&rsquo;s mortgage servicing
and origination business platform (described below) and Ocwen&rsquo;s purchase of the mortgage servicing platform from Residential
Capital, LLC (&ldquo;ResCap&rdquo;) for a combined purchase price of $218.6 million. The letter of intent for the Homeward Residential
fee-based businesses contemplates that Altisource will acquire from Ocwen (i) all of the capital stock of Beltline Road Insurance
Agency, Inc., Power Default Services, Inc., Power REO Management Services, Inc. and Power Valuation Services, Inc., (ii) the Mortgage
Asset Recovery Special Services Division of Stratus Asset Management Group, LLC, and (iii) certain designated intellectual property
and information technology assets related to Homeward platform. The letter of intent for the ResCap fee-based businesses contemplates
that Altisource will acquire from Ocwen certain fee-based businesses related to default management and charge-off services, designated
intellectual property and information technology assets related to Ocwen&rsquo;s purchase of ReCap&rsquo;s mortgage servicing platform.
In connection with the proposed transactions, Altisource and Ocwen will execute a five-year extension until 2025 of certain existing
services agreements. Additionally, Ocwen will not develop similar fee-based services that would directly or indirectly compete
with the services provided by Altisource to the Homeward and ResCap servicing portfolios. The proposed purchase price is subject
to working capital and other adjustments, and consummation of the transactions is subject to a number of contingencies that are
customary for a transaction of this nature, including various third party and regulatory consents and approvals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">For the year ended December 31, 2012, the Company generated revenues
of $2.4 million under our agreements with Altisource, principally from fees for providing referral services to Altisource. We also
paid expenses of $32.4 million to Altisource during 2012 principally for technology products and support services including the
REAL suite of products that support our servicing business. At December 31, 2012, the net amount payable to Altisource was $7.2
million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with HLSS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Ocwen and HLSS Management, LLC, a wholly owned subsidiary of HLSS,
entered into an agreement to provide to each other certain professional services including valuation analysis of potential mortgage
servicing rights (&ldquo;MSRs&rdquo;) acquisitions, treasury management services and other similar services, legal, licensing and
regulatory compliance support services, risk management services and other similar services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On March 5, 2012, Ocwen completed an initial sale to HLSS of the
right to receive the servicing fees, excluding ancillary income, relating to serviced loans (&ldquo;Rights to MSRs&rdquo;) with
a UPB of approximately $15.2 billion. HLSS also assumed the related match funded liabilities. The final purchase price of approximately
$138.8 million reflects post-closing adjustments that principally resulted from declines in match funded advances between February
28, 2012 and March 5, 2012. Ocwen Loan Servicing, LLC, a wholly-owned subsidiary of Ocwen also entered into a subservicing agreement
with HLSS on February 10, 2012 under which it will subservice the MSRs after legal ownership of the MSRs has been transferred to
HLSS. Ocwen has since completed five additional &ldquo;flow&rdquo; sales to HLSS of Rights to MSRs for approximately $67.5 billion
of UPB and related servicing advances. In 2012, Ocwen received total proceeds of $3.1 billion from the flow transactions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">For the year ended December 31, 2012, the Company generated revenues
of $0.2 million under our agreements with HLSS principally from transition billing. We also paid expenses of $2.4 million to HLSS
during 2012 principally for transition billing. At December 31, 2012, the net amount payable to HLSS was $25.5 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with Residential</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 21, 2012, OMS entered into a 15-year servicing agreement
with Altisource Residential, L.P., the operating partnership of Residential, pursuant to which Ocwen will service residential mortgage
loans acquired by Residential and provide loan modification, assisted deed-in-lieu, assisted deed-for-lease and other loss mitigation
programs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On February 14, 2013, OLS sold a pool of non-performing residential
mortgage loans to Altisource Residential, L.P. pursuant to a Master Mortgage Loan Sale Agreement. The aggregate purchase price
for the pool of loans was $64.4 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with AAMC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 11, 2012, Mr. Erbey received 52,589 shares of AAMC restricted
stock pursuant to the Altisource Asset Management Corporation 2012 Special Equity Incentive Plan and a Special Restricted Stock
Award Agreement in his capacity as Chairman of the Board of AAMC and Altisource.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 11, 2012, Ronald M. Faris, our President and Chief Executive
Officer and a director of Ocwen, received 29,216 shares of AAMC restricted stock pursuant to the Altisource Asset Management Corporation
2012 Special Equity Incentive Plan and a Special Restricted Stock Award Agreement, in connection with the services he provides
AAMC through his employment with Ocwen.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Relationship with Homeward</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On December 27, 2012, Ocwen completed the merger of O&amp;H Acquisition
Corp., a wholly-owned subsidiary of Ocwen, and Homeward Residential Holdings, Inc. (&ldquo;Homeward&rdquo;), substantially all
of the outstanding stock of which was owned by certain private equity firms that are ultimately controlled by WL Ross &amp; Co.
LLC (the &ldquo;Funds&rdquo;). Upon consummation of the merger, Homeward continued its existence as a wholly-owned subsidiary of
Ocwen. In the merger, Ocwen acquired MSRs for approximately 421,000 residential mortgage loans with UPB of approximately $77 billion
as well as Homeward&rsquo;s existing origination platform and certain other ancillary businesses. As consideration for the merger,
Ocwen paid an aggregate purchase price of approximately $766 million, of which approximately $604 million was paid in cash and
$162 million was paid in 162,000 shares of Series A Perpetual Convertible Preferred Stock of Ocwen issued to the Funds, that will
pay a dividend of 3.75% per annum on a quarterly basis (the &ldquo;Preferred Shares&rdquo;). Each Preferred Share, together with
any accrued and unpaid dividends, may be converted into shares of Ocwen common stock at the option of the holder at a conversion
price equal to $31.79. Mr. Ross, a director of Ocwen, is the Chairman and Chief Executive Officer of WL Ross &amp; Co. LLC and
Invesco Private Capital, Inc. and the managing member of El Vedado, LLC, each of which directly or indirectly controls the Funds.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;<B>OTHER BUSINESS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Board of Directors knows of no other business or nominees as
of the date of printing this proxy statement other than the proposals described above in this proxy statement that will be presented
for consideration at the meeting. If any other business or nominees should properly come before the meeting or any adjournment
thereof, it is the intention of the management proxy holders to vote in accordance with their best judgment in our interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SUBMISSION OF SHAREHOLDER PROPOSALS FOR 2014
ANNUAL MEETING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Any proposal which a shareholder desires to have considered for
inclusion in our proxy materials relating to our next Annual Meeting of Shareholders, must be received by the Secretary of Ocwen
no later than December 5, 2013. Such proposals should be directed to Ocwen Financial Corporation, Attention: Secretary, 1661 Worthington
Road, Suite 100, West Palm Beach, Florida 33409.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If a shareholder wants to present a proposal, or nominate a person
for election as Director at the 2014 Annual Meeting, we must receive written notice of the proposal or nomination no earlier than
December 5, 2013 and no later than February 18, 2014, which notice must meet the requirements set forth in our Bylaws. Under the
circumstances described in, and upon compliance with, Rule 14a-4(c) under the Securities Exchange Act of 1934, as amended, management
proxies would be allowed to use their discretionary voting authority to vote on any matter with respect to which the foregoing
requirements have been met.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Requests to have a shareholder proposal considered for inclusion
in our 2014 proxy materials and notices of intent to present a proposal or nomination directly at the our 2014 Annual Meeting should
be directed to our Secretary at Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409.
Notices should be sent by first class United States mail or by a nationally recognized courier service. If you use the mail, we
recommend that you use certified mail, return receipt requested.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><B>ANNUAL REPORTS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">A copy of our annual report to shareholders on Form 10-K for the
year ended December 31, 2012 was mailed on or about April 3, 2013 to shareholders of record as of March 21, 2013. The annual report
is not part of the proxy solicitation materials and can be found on our website <U>www.ocwen.com</U> under Shareholder Relations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We will furnish without charge to each person whose proxy is solicited
and to any beneficial owner entitled to vote as of the record date for the meeting, on written request, a copy of the annual report
on Form 10-K for the year ended December 31, 2012 required to be filed by us with the Securities and Exchange Commission under
the Securities Exchange Act of 1934, as amended. Such requests should be directed to Shareholder Relations, Ocwen Financial Corporation,
1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OTHER MATTERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Proxies will be solicited on behalf of the Board of Directors by
mail or electronic means, and we will pay the solicitation costs. Copies of this proxy statement and 2012 annual report will be
supplied to brokers, dealers, banks and voting trustees, or their nominees, for the purpose of soliciting proxies from beneficial
owners. In addition to solicitations by mail or electronic means, our Directors, officers and employees may solicit proxies personally
or by telephone without additional compensation. The shares represented by all valid proxies received by phone, by Internet or
by mail will be voted in the manner specified. Where specific choices are not indicated, the shares represented by all valid proxies
received will be voted: (1)&nbsp;for the nominees for Director named earlier in this proxy statement, (2) for the ratification
of the selection of the independent auditor and (3) for the approval, on an advisory basis, of the compensation of Ocwen&rsquo;s
named executive officers. Should any matter not described above be properly presented at the meeting, the persons named in the
proxy form will vote in accordance with their judgment, unless otherwise restricted by law. As of the date of this proxy statement,
management was not aware that any matters not referred to in this proxy statement would be presented for action at the 2013 Annual
Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If you are the beneficial owner, but not the record holder, of shares
of our common stock, your broker, bank or other nominee may only deliver one (1) copy of this proxy statement and 2012 annual report
to multiple shareholders who share an address, unless that nominee has received contrary instructions from one (1) or more of the
shareholders. Shareholders at an address to which a single copy of this proxy statement and 2012 annual report was sent may request
a separate copy by contacting Shareholder Relations, Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach,
Florida 33409. Beneficial owners sharing an address who are receiving multiple copies and who wish to receive a single copy of
materials in the future will need to contact their broker, bank or other nominee to request that only a single copy of each document
be mailed to all shareowners at the shared address.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">This proxy statement and our 2012 annual report may be viewed online
at <U>www.ocwen.com</U> under Shareholder Relations. If you are a shareholder of record, you can elect to access future annual
reports and proxy statements electronically by following the instructions provided on the proxy card. If you choose this option,
you will receive a notice by mail listing the website locations, and your choice will remain in effect until you notify us by
mail that you wish to resume mail delivery of these documents. If you hold your common stock through a bank, broker or another
holder of record, refer to the information provided by that entity for instructions on how to elect this option.</P>

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<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 4%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 24%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 5%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="width: 40%; text-align: center; border: Black 1pt solid; background-color: #EFEFEF"><IMG SRC="ocwendef14a002_v1.jpg" ALT="(GRAPHIC)"></TD>
    <TD STYLE="width: 6%; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; background-color: white; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 4%; background-color: #EFEFEF; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 24%; background-color: #EFEFEF">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #EFEFEF">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: white; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 5%; background-color: white; padding-bottom: 1.5pt">&nbsp;</TD>

    <TD STYLE="width: 6%; background-color: white; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; background-color: #EFEFEF; font-size: 8pt; border-left: Black 1pt solid; border-top: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; background-color: #EFEFEF; border-top: Black 1pt solid; border-right: Black 1pt solid">
 <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><IMG SRC="ocwendef14a001_v1.jpg" ALT="(OCWEN FINANCIAL CORPORATION LOGO)"><BR>
 <BR>
<B><I>OCWEN FINANCIAL CORPORATION<BR>
 1661 WORTHINGTON ROAD<BR>
 SUITE 100<BR>
WEST PALM BEACH,&nbsp;&nbsp;FL&nbsp;&nbsp;&nbsp;33409</I></B></P></TD>
    <TD STYLE="vertical-align: bottom; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 8pt">&nbsp;</TD>
    <TD ROWSPAN="4" STYLE="vertical-align: top">
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><B>VOTE BY INTERNET - www.proxyvote.com</B> <BR>
Use the Internet to transmit
        your voting instructions and for electronic delivery of information up until 11:59 PM Eastern Time on May 7, 2013. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create
        an electronic voting instruction form.</P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 8pt 0 0"><B>ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALS<BR>
</B>If
you would like to reduce the costs incurred by our Company in mailing proxy materials, you can consent to receiving all future
proxy statements, proxy cards and annual reports electronically via e-mail or the Internet. To sign up for electronic delivery,
please follow the instructions above to vote using the Internet and, when prompted, indicate that you agree to receive or access
shareholder communications electronically in future years.</P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><B>VOTE BY PHONE - 1-800-690-6903<BR>
</B>Use any touch-tone telephone to transmit your voting instructions up until 11:59
PM, Eastern Time on May 7, 2013. Have your proxy card in hand when you call,
and then follow the instructions.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0"><B>VOTE BY MAIL<BR>
</B>Mark, sign and date your proxy card and
return it in the postage-paid envelope we have provided or return it to Vote Processing, c/o Broadridge, 51 Mercedes Way, Edgewood,
NY 11717.</P>
        <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P></TD>
    <TD ROWSPAN="4" STYLE="vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; background-color: #EFEFEF"><IMG SRC="ocwendef14a003_v1.jpg" ALT="(GRAPHIC)"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt">&nbsp;</TD>
    <TD STYLE="background-color: #EFEFEF; font-size: 8pt; border-left: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: #EFEFEF; font-size: 8pt; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 8pt">&nbsp;</TD>
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; background-color: #EFEFEF; font-size: 8pt; border-top: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #EFEFEF; border-top: Black 1pt solid">
        </P></TD>
    <TD STYLE="vertical-align: bottom; background-color: #EFEFEF; font-size: 8pt; text-align: right; border-top: Black 1pt solid; border-right: Black 1pt solid"><IMG SRC="ocwendef14a005_v1.jpg" ALT="(GRAPHIC)"></TD>
    <TD STYLE="vertical-align: bottom; background-color: #EFEFEF; font-size: 8pt; border-top: Black 1pt solid; border-right: Black 1pt solid"><IMG SRC="ocwendef14a004_v1.jpg" ALT="(GRAPHIC)"></TD>
    <TD STYLE="vertical-align: top; font-size: 8pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>

    <TD COLSPAN="3" STYLE="vertical-align: bottom; font-size: 8pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; border-right: Black 1pt solid; background-color: #EFEFEF"><div style="margin-left:20pt"><IMG SRC="ocwendef14a006_v1.jpg" ALT="(GRAPHIC)"></div></TD>
    <TD STYLE="vertical-align: bottom; background-color: #EFEFEF; border-bottom: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>


</TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 4%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 24%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 40%"></TD>
    <TD STYLE="width: 6%; border-right: Black 1pt solid; border-left: Black 1pt solid; background-color: #EFEFEF">&nbsp;</TD></TR>

</TABLE>

<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
 <TR STYLE="font-size: 10px">
 <TD STYLE="width: 50%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid; border-right: BLACK 1pt solid; border-bottom: BLACK 0.5pt none; border-left: BLACK 1pt solid">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="width: 3%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="width: 12%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="width: 3%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="width: 10%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid; border-left-style: none; border-bottom-style: none">
 <P>&nbsp;</P>
 </TD>
 <TD STYLE="width: 15%; vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid; border-right: BLACK 1pt solid; border-left-style: none; border-bottom-style: none">
 <P>&nbsp;</P>
 </TD>

 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
 <P><FONT SIZE="1">&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
 <P><FONT SIZE="1">&nbsp;</FONT></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-right: BLACK 1pt solid">
 <P><FONT SIZE="2"><B>CONTROL #</B> </FONT> <FONT FACE="WINGDINGS" SIZE="2"><B>&#224;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" NOWRAP STYLE="vertical-align: top; background-color: #EFEFEF; border-top: BLACK 1pt solid; border-right: BLACK 1pt solid; border-bottom: BLACK 1pt solid; border-left: BLACK 0.5pt none">
<P ALIGN="CENTER"><FONT SIZE="2"><B>&nbsp;&nbsp;&nbsp;000000000000&nbsp;&nbsp;&nbsp;</B> </FONT> </P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-right: BLACK 1pt solid">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="4" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"><FONT SIZE="2"><B>NAME</B> </FONT> </P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="4" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"><FONT SIZE="2"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="4" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="2"><B>SHARES</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="2"><B></B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="2"><B></B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT SIZE="2"><B></B> </FONT> </P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT STYLE="font-size: x-small"><B></B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF" STYLE="border-right: BLACK 1pt solid">
<P><FONT STYLE="font-size: x-small"><B></B></FONT></P>
 </TD>
 </TR>
 <TR>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF; border-top-style: none; border-left: BLACK 1pt solid; border-bottom-style: none; border-right: BLACK 1pt solid">
<P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"></P>
 </TD>
 <TD STYLE="vertical-align: top; background-color: #EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
 <TD COLSPAN="2" VALIGN="TOP" BGCOLOR="#EFEFEF">
<P><FONT SIZE="1"><B>&nbsp;</B> </FONT> </P>
 </TD>
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 <P STYLE="margin-right: 0in; margin-left: 25.9pt; text-indent: -8.65pt"><FONT STYLE="font-size: xx-small"><B>PAGE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OF&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2</B></FONT></P>
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 <P><FONT STYLE="font-size: 7pt">TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font: 12pt WINGDINGS">x</FONT><FONT STYLE="font-size: x-small">&nbsp;&nbsp;&nbsp;</FONT></P>
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 <P><FONT STYLE="font-size: 7pt">KEEP THIS PORTION FOR
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">For</FONT></DIV>

<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">All</FONT></DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">&nbsp;&nbsp;<FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">Withhold</FONT>&nbsp;&nbsp;</DIV>

<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">All</FONT></DIV>
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<TD NOWRAP STYLE="vertical-align: bottom; border-top: black 1pt solid">
<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">&nbsp;<FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">For All&#160;&nbsp;&#160;&#160;</FONT></DIV>

<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">Except&#160;&#160;&#160;</FONT></DIV>
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<DIV STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: justify"><FONT STYLE="display: inline; font-weight: normal; font-size: 8pt">To withhold authority to vote for any individual nominee(s), mark &#8220;For All Except&#8221; and write the number(s) of the nominee(s) on the line below.</FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">The Board of Directors recommends you vote</FONT></DIV>

<DIV ALIGN="LEFT" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="display: inline; font-weight: bold; font-size: 8pt">FOR the following:</FONT></DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></DIV>
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<DIV STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="display: inline; font-size: 8pt">Election of Directors</FONT></DIV>
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<DIV STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">01<BR>
06&#160; </FONT></DIV>
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<TD STYLE="vertical-align: top; font: 8pt Times New Roman, Times, Serif">
<DIV STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">William C. Erbey<BR>
Robert A. Salcetti&#160;</FONT></DIV>
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<DIV STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-size: 8pt">02&#160;&#160;&#160;Ronald M. Faris<br>07&#160;&#160;&#160;Barry N. Wish</FONT></DIV>
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<TD COLSPAN="10" STYLE="vertical-align: top; font-family: Times New Roman, Times, Serif"><DIV STYLE="font: 8pt Times New Roman, Times, Serif"><FONT STYLE="font: 8pt Times New Roman, Times, Serif">03&#160;&#160;&#160;Ronald J. Korn &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif">04&nbsp;&nbsp;&nbsp;
                                             William H. Lacy</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
                                             &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif">05&nbsp;&nbsp;&nbsp;
                                             Wilbur L. Ross, Jr.</FONT></DIV>

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</TR><TR>
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<TD COLSPAN="7" STYLE="text-align: left; vertical-align: top"><DIV ALIGN="LEFT" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>The
Board of Directors recommends you vote FOR proposals 2. and 3.</B> </FONT></DIV>
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<TD STYLE="vertical-align: top"><DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>For</B></FONT></DIV>
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<DIV ALIGN="LEFT" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>2.</B></FONT></DIV>
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of the appointment
of Deloitte &amp; Touche LLP as Ocwen Financial Corporation&#146;s independent registered public
 accounting firm for the fiscal year ending December 31, 2013</FONT></P>
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<TD STYLE="vertical-align: top">
<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
</DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
</DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
</DIV>
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<TD STYLE="text-align: left; vertical-align: top">
<DIV ALIGN="LEFT" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 8pt Times New Roman, Times, Serif"><B>3.</B></FONT></DIV>
</TD>
<TD COLSPAN="7" STYLE="text-align: left; vertical-align: top">
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on an advisory basis, of the compensation of the named executive officers, as disclosed in the accompanying proxy statement</FONT></DIV>
</DIV>
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</DIV>
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</DIV>
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<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<DIV ALIGN="CENTER" STYLE="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><FONT STYLE="font: 12pt wingdings">o</FONT></DIV>
</DIV>
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</TR>     <TR>
<TD STYLE="vertical-align: top">&nbsp;</TD>
<TD STYLE="vertical-align: top; border-left: black 1PT solid">&nbsp;</TD>
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD COLSPAN="7" STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="vertical-align: top">&nbsp;</TD>
<TD STYLE="vertical-align: top">&nbsp;</TD>
<TD STYLE="vertical-align: top">&nbsp;</TD>
<TD COLSPAN="3" STYLE="vertical-align: top">&nbsp;</TD>
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<TD STYLE="vertical-align: top; border-right: black 1PT solid">&nbsp;</TD>
<TD STYLE="vertical-align: top">&nbsp;</TD></TR>
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other business as may properly come before the meeting or any adjournment thereof.</FONT></FONT></P>



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mark here.<br>(see reverse for instructions)<br><br>
Please indicate if you plan to attend this meeting</FONT></FONT></FONT></DIV>



<FONT SIZE="2" STYLE="display: inline; font-size: 8pt"><FONT SIZE="2" STYLE="display: inline; font-size: 8pt"><BR>
<BR>
Please sign exactly as your name(s) appear(s) on this proxy. When signing as attorney, executor, administrator, or other fiduciary, please give full title as such. Joint owners should each sign personally. All holders must sign. If a corporation or  partnership, please sign in full corporate or in partnership name, by authorized person.</FONT></FONT></DIV>
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                                                                                                                                                                                                                                                                                                           <BR>
                                                                                                                                                                                                                                                                                                           <FONT STYLE="font: 12pt Wingdings">o</FONT><FONT STYLE="font: 8pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font: 12pt Wingdings">o</FONT></P>


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<TD STYLE="vertical-align: top; background-color: #efefef; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="display: inline; font-size: 8pt">&#160; &#160;</FONT></TD>
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<DIV>&#160;</DIV>

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    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><B>OCWEN FINANCIAL CORPORATION</B><BR>
2002 Summit Boulevard, 6th Floor, Atlanta, GA 30319</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><B>FOR USE ONLY AT THE ANNUAL MEETING OF SHAREHOLDERS</B><BR>
<B>TO BE HELD ON MAY 8, 2013, AND AT ANY ADJOURNMENT THEREOF.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">The shares represented by this proxy, when properly executed, will be voted in the manner directed herein by the undersigned Shareholder(s). If no direction is made, this proxy will be voted FOR the election of each of the nominees for Director, FOR the ratification of the appointment of Deloitte &amp; Touche LLP as Ocwen Financial Corporation&rsquo;s independent registered public accounting firm for 2013 and FOR approval, on an advisory basis, of the compensation of the named executive officers, as disclosed in the proxy statement. If any other matters properly come before the meeting, or if cumulative voting is required, the persons named in this proxy will vote in their discretion.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><B>Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting: </B>The Notice of Annual Meeting, Proxy Statement and, Form 10-K is/are available at <U>www.proxyvote.com</U>.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: windowtext 1pt dashed">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; height: 1">
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; background-color: #EFEFEF">&nbsp;</TD>
    <TD COLSPAN="4" ROWSPAN="5" STYLE="border-right: windowtext 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>OCWEN
    FINANCIAL CORPORATION</B><BR>
    <B>REVOCABLE PROXY</B><BR>
    <B>THIS PROXY IS BEING SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS</B><BR>
    <B>FOR USE ONLY AT THE 2013 ANNUAL MEETING OF SHAREHOLDERS AND AT ANY ADJOURNMENT</B><BR>
    <B>THEREOF.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EFEFEF">
    <TD STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #EFEFEF">
    <TD STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #EFEFEF">
    <TD STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: #EFEFEF">
    <TD STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7"><FONT STYLE="font-size: 8pt">The undersigned hereby appoints William C. Erbey, Ronald M. Faris, Paul A. Koches,
    or any of them, as proxy, with full powers of substitution, and hereby authorizes them to represent and vote, as designated
    on the reverse side, all the shares of Common Stock of Ocwen Financial Corporation (the &ldquo;Company&rdquo;) held of record
    by the undersigned on March 21, 2013, at the Annual Meeting of Shareholders to be held at the offices of the Company located
    at 2002 Summit Boulevard, 6th Floor, Atlanta, GA 30319 on Wednesday, May 8, 2013, at 9:00 a.m., Eastern Daylight Time and
    at any adjournment thereof.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7"><FONT STYLE="font-size: 8pt">Shares of Common Stock of the Company will be voted as specified. <B>If you execute
    and return this proxy without specific voting instructions, this proxy will be voted FOR the election of each of the nominees
    for Director, the ratification of the appointment of Deloitte &amp; Touche LLP as the Company&rsquo;s independent registered
    public accounting firm for 2013 and FOR approval, on an advisory basis, of the compensation of the named executive officers,
    as disclosed in the proxy statement.</B> You may revoke this proxy at any time prior to the time it is voted at the Annual
    Meeting.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7"><FONT STYLE="font-size: 8pt">The undersigned hereby acknowledges receipt of the Notice of Annual Meeting of
    Shareholders of Ocwen Financial Corporation to be held on May 8, 2013, or any adjournment thereof, a Proxy Statement for the
    Annual Meeting and the 2012 Annual Report to Shareholders of the Company prior to the signing of this proxy.</FONT></TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: windowtext 0.5pt solid"><B>Address change/comments:</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid; padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: center">(If you noted any Address Changes and/or Comments above, please mark corresponding box on the reverse side.)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: center"><B>Continued and to be signed on reverse side</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: windowtext 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: windowtext 1pt solid; border-bottom: windowtext 1pt solid">&nbsp;</TD></TR>
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 73%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 8pt 0 0">0000172057_2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; R1.0.0.51160</P>


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