<SEC-DOCUMENT>0001493152-24-014371.txt : 20240412
<SEC-HEADER>0001493152-24-014371.hdr.sgml : 20240412
<ACCEPTANCE-DATETIME>20240411203610
ACCESSION NUMBER:		0001493152-24-014371
CONFORMED SUBMISSION TYPE:	PRE 14A
PUBLIC DOCUMENT COUNT:		28
CONFORMED PERIOD OF REPORT:	20240411
FILED AS OF DATE:		20240412
DATE AS OF CHANGE:		20240411

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OCWEN FINANCIAL CORP
		CENTRAL INDEX KEY:			0000873860
		STANDARD INDUSTRIAL CLASSIFICATION:	MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				650039856
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PRE 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13219
		FILM NUMBER:		24839766

	BUSINESS ADDRESS:	
		STREET 1:		1661 WORTHINGTON ROAD
		STREET 2:		SUITE 100
		CITY:			WEST PALM BEACH
		STATE:			FL
		ZIP:			33409
		BUSINESS PHONE:		561-682-8000

	MAIL ADDRESS:	
		STREET 1:		1661 WORTHINGTON ROAD
		STREET 2:		SUITE 100
		CITY:			WEST PALM BEACH
		STATE:			FL
		ZIP:			33409

	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
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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 18pt"><b>UNITED
STATES</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 18pt"><b>SECURITIES
AND EXCHANGE COMMISSION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 12pt"><b>Washington,
D.C. 20549</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 18pt"><b><span id="xdx_904_edei--DocumentType_dxL_c20230101__20231231_zfsZcziwhSJ8" title="::XDX::PRE%2014A"><span style="-sec-ix-hidden: xdx2ixbrl0010">SCHEDULE
14A</span></span> INFORMATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proxy
Statement Pursuant to Section 14(a) of the</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
Exchange Act of 1934</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed
by the Registrant &#9746;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed
by a Party other than the Registrant &#9744;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
the appropriate box:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 18pt"><b><span id="xdx_907_edei--EntityRegistrantName_c20230101__20231231_z8DJc056LCm9"><ix:nonNumeric contextRef="From2023-01-01to2023-12-31" id="Fact000011" name="dei:EntityRegistrantName">OCWEN
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 18pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Name
of Registrant as Specified in its Charter)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Name
of Person(s) Filing Proxy Statement, if other than the Registrant)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payment
of Filing Fee (Check all boxes that apply):</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify">&#9746; <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
Fee Required</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9744;
Fee paid previously with preliminary materials</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify">&#9744; <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fee
computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;<img src="formpre14a_001.jpg" alt=""/></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April
12, 2024</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dear
Fellow Shareholder:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
behalf of the Board of Directors, I cordially invite you to participate in the Annual Meeting of Shareholders of Ocwen Financial Corporation,
which will be held on Tuesday, May 28, 2024, at 9:00 a.m., Eastern Daylight Time. Our experience continues to demonstrate that virtual-format
shareholder meetings allow more shareholders to participate online than would be able to travel to the meeting to attend in person, so
we will again be hosting this year&#8217;s Annual Meeting in a virtual format only via live audiocast on the Internet at <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span>.
To participate, vote or submit questions during the Annual Meeting via live audiocast, please review the detailed procedures included
in our Notice of Annual Meeting. You will not be able to attend the Annual Meeting physically in person. For purposes of attendance at
the Annual Meeting, all references herein to &#8220;present,&#8221; &#8220;participate,&#8221; or &#8220;in person,&#8221; shall mean
virtually present at the Annual Meeting.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Details
of the business to be conducted at the Annual Meeting and instructions for how to participate in the Annual Meeting are set forth in
the accompanying Notice of 2024 Annual Meeting of Stockholders and Proxy Statement. Only stockholders of record and beneficial owners
at the close of business on March 25, 2024 are entitled to notice of and to vote at the Annual Meeting and any adjournments or postponements
thereof.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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
participate in our virtual Annual Meeting. We encourage you to complete your proxy card in one of the manners described in the accompanying
materials even if you plan to participate in the Annual Meeting. This will not prevent you from voting during the Annual Meeting if you
choose to participate and vote at that time, but will ensure that your vote is counted if you are unable to participate. If you are a
beneficial owner holding shares through a brokerage firm, bank, broker-dealer, or similar organization you should follow the instructions
on your voting instruction form to vote your shares. Please note that if you are a beneficial owner of our shares you may not be able
to vote your shares at the Annual Meeting unless you have obtained a legal proxy from your brokerage firm, bank, broker-dealer, or similar
organization. Please contact your brokerage firm, bank, broker-dealer or other similar organization for information about specific requirements
if you would like to vote your shares at the meeting.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Your
continued support of, and interest in, Ocwen Financial Corporation is sincerely appreciated.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sincerely,</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><img src="formpre14a_002.jpg" alt=""/></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Glen
A. Messina</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chair,
Board of Directors</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OCWEN
FINANCIAL CORPORATION</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1661
Worthington Road, Suite 100</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>West
Palm Beach, Florida 33409</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTICE
OF ANNUAL MEETING OF SHAREHOLDERS AND</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>IMPORTANT
NOTICE REGARDING THE AVAILABILITY OF PROXY MATERIALS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>FOR
THE SHAREHOLDER MEETING TO BE HELD ON MAY 28, 2024</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">NOTICE</span></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Annual Meeting of Shareholders will be held:</span></p>

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    <td style="width: 0.5in">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.75in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Date:</b></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tuesday,
    May 28, 2024</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Time:</b></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9:00
    a.m., Eastern Daylight Time</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Location:</b></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Virtual
    Meeting Only via Live Audiocast</span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Please
review the instructions contained in this Proxy Statement if you wish to participate in the virtual Annual Meeting.</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">PURPOSE</span></b></span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
    elect the seven directors listed in the accompanying proxy statement for one-year terms or until their successors are elected and
    qualified;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
    approve an amendment to our Articles of Incorporation, as amended, to change our name to &#8220;Onity Group Inc.&#8221;;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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, 2024;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
    approve, on an advisory basis, our named executive officer compensation (Say-on-Pay);</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
    approve an amendment to the Ocwen Financial Corporation 2021 Equity Incentive Plan to increase the number of available shares; and</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
    transact such other business as may properly come before the meeting and any postponement or adjournment of the meeting. Management
    is not aware of any such other business at this time.</span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">PROCEDURES</span></b></span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    Board of Directors has fixed March 25, 2024 as the record date for the determination of shareholders entitled to notice of and to
    vote at the Annual Meeting. A list of shareholders entitled to vote at the Annual Meeting will be available for examination at our
    offices for ten days prior to the Annual Meeting. The list of shareholders may also be accessed during the virtual Annual Meeting
    at <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span> by using the control number on your proxy card or voting instruction form. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders
    of record at the close of business on the record date will be entitled to vote and ask questions online at the Annual Meeting. Please
    note that if you do not have your control number, you will be able to access and listen to the Annual Meeting, but you will not be
    able to vote your shares or submit questions during the Annual Meeting.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>




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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
    you would like to attend the virtual meeting and you have your control number, please go to <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024
    </span>15 minutes prior to the start of the meeting to log in. For shareholders who hold shares in street name, if you came through
    your brokerage firm&#8217;s website and do not have your control number, you can gain access to the meeting by logging into your
    brokerage firm&#8217;s website 15 minutes prior to the meeting start, selecting the shareholder communications mailbox to link through
    to the meeting and the control number will automatically populate. For technical assistance when logging into Ocwen&#8217;s Annual
    Meeting, please call 800-586-1548 (US) or 303-562-9288 (International). </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
    you wish to submit a question during the Annual Meeting, log into the virtual meeting platform at <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span>,
    type your question into the &#8220;Ask a Question&#8221; field, and click &#8220;Submit.&#8221;</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
proxy statement for our 2024 Annual Meeting of Shareholders and our Annual Report to shareholders on Form 10-K for the year ended December
31, 2023 will be available on or about April 23, 2024 on our website at <span style="text-decoration: underline">www.ocwen.com</span> in the Financial Information section under
the &#8220;Shareholders&#8221; tab. The approximate date on which this proxy statement, the proxy card and other accompanying materials
are first being sent or given to shareholders is April 23, 2024. Additionally, and in accordance with Securities and Exchange Commission
rules, you may access our annual report and proxy materials at <span style="text-decoration: underline">http://shareholders.ocwen.com/sec.cfm</span>, a website that does not
identify or track visitors of the site.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you have questions for Ocwen Financial Corporation regarding this virtual Annual Meeting, please contact our shareholder relations department
at <span style="text-decoration: underline">shareholderrelations@ocwen.com</span>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By
Order of the Board of Directors,</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><img src="formpre14a_003.jpg" alt=""/></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph
J. Samarias</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Secretary</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April
12, 2024</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OCWEN
FINANCIAL CORPORATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>PROXY
STATEMENT</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ANNUAL
MEETING OF SHAREHOLDERS</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>General
Information</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
proxy statement is being furnished to you in connection with the solicitation of proxies by the Board of Directors of Ocwen Financial
Corporation (Ocwen, the Company, we, us, or our) for use at our 2024 Annual Meeting of Shareholders (the Annual Meeting) and at any postponement
or adjournment of this meeting. The approximate date on which this proxy statement, the proxy card and other accompanying materials are
first being sent or given to shareholders is April 23, 2024. The Annual Meeting will be held on Tuesday, May 28, 2024, at 9:00 a.m.,
Eastern Daylight Time, for the purposes listed in the Notice of Annual Meeting of Shareholders. We will be hosting this year&#8217;s
Annual Meeting via live audiocast on the Internet at <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span>. If you are interested in participating
in the virtual meeting, voting or submitting questions at that time, please see &#8220;Annual Meeting Participation&#8221; below for
further details. You will not be able to attend the Annual Meeting physically in person. For purposes of attendance at the Annual Meeting,
all references herein to &#8220;present,&#8221; &#8220;participate,&#8221; or &#8220;in person,&#8221; shall mean virtually present at
the Annual Meeting.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>How
a Proxy Works</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors has appointed Glen A. Messina, Chair of the Board, President and Chief Executive Officer, and Joseph J. Samarias,
Executive Vice President, Chief Legal Officer and Secretary, as the management proxy holders for the Annual Meeting. If you properly
complete, sign and return your proxy card 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:</span></p>

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    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proposal
    One (Election of Directors) - &#8220;FOR ALL&#8221; of the seven nominees for Director listed herein;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proposal
    Two (Approval of Name Change) - &#8220;FOR&#8221; approval of an amendment to our Articles of Incorporation, as amended, to change
    our name to &#8220;Onity Group Inc.&#8221; (our Name Change);</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proposal
    Three (Ratification of Appointment of Independent Registered Public Accounting Firm) - &#8220;FOR&#8221; ratification of the appointment
    of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proposal
    Four (Advisory Resolution on Named Executive Officer Compensation, or Say-on-Pay) - &#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 (named executive
    officers);</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proposal
    Five (Approval of the amendment to the Ocwen Financial Corporation 2021 Equity Incentive Plan (the 2021 Plan Amendment)) - &#8220;FOR&#8221;
    approval of an amendment to the Ocwen Financial Corporation 2021 Equity Incentive Plan to increase the number of shares available
    for awards; and</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">with
    regard to any other business that properly comes before the meeting, in accordance with the best judgment of the management proxy
    holders. As of the date of this proxy statement, we do not know of any other business that may come before the Annual Meeting.</span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>How
to Revoke a Proxy</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Your
proxy may be used only at the Annual Meeting and any postponement or 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:</span></p>

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    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">filing
    written notice of revocation with our Secretary at the following address:</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph
    J. Samarias, Secretary</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">c/o
    Ocwen Financial Corporation</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1661
    Worthington Road, Suite 100</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">West
    Palm Beach, Florida 33409</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">submitting
    a properly executed proxy card bearing a later date or submitting another proxy using the Internet or by telephone (your latest Internet
    or telephone voting instructions will be followed), or</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">participating
    in the virtual Annual Meeting and giving the Secretary notice of your intention to vote at that time.</span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you are interested in participating in the virtual Annual Meeting, voting or submitting questions at that time, please see &#8220;Annual
Meeting Participation&#8221; below for further details.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Who
May Vote at the Annual Meeting</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
all matters properly presented at the Annual Meeting, each share of our common stock is entitled to one vote. All shareholders who owned
our common stock as of the close of business on March 25, 2024 (the Record Date) are cordially invited to participate in the 2024 Annual
Meeting. Only shareholders of record or beneficial owners of shares of our common stock at the close of business on the Record Date are
entitled to participate and vote at the Annual Meeting or any postponement or adjournment of this meeting. If your shares are registered
directly in your name with Computershare, Ocwen&#8217;s stock transfer agent, you are the &#8220;shareholder of record&#8221; with respect
to those shares. If your shares are held in an account at a brokerage firm, bank, broker-dealer, or similar organization (collectively,
Broker), then you are the &#8220;beneficial owner of shares held in street name.&#8221; As a beneficial owner, you have the right to
instruct your Broker how to vote your shares. Most individual shareholders are beneficial owners of shares held in street name. At the
close of business on the Record Date, there were 7,764,754 shares of common stock issued and outstanding.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>How
to Vote if you are a Shareholder of Record</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you are a shareholder of record and you have received a printed set of the proxy materials by mail, we encourage you to fill in, date
and sign the enclosed proxy card 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. If you are a shareholder of record and participate in the Annual Meeting, you
may, if you desire, revoke your proxy in accordance with the procedures described in this Proxy Statement and vote your shares during
the meeting. Please note that your presence (without further action) at the Annual Meeting will not constitute revocation of a previously
given proxy.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>How
to Give Voting Instructions if you are a Beneficial Owner of Shares held in Street Name</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you are a beneficial owner of shares held in street name, you are considered the beneficial owner of the shares, and your shares may
be voted at the Annual Meeting only by the Broker that holds your shares. To instruct your Broker how your shares are to be voted at
the Annual Meeting, you will need to follow the instructions provided by the Broker that holds your shares. Many Brokers offer the option
of submitting voting instructions over the Internet or by telephone. You are also welcome to participate in the Annual Meeting, but you
will need to follow the instructions provided to you by your Broker. Please note that if you are a beneficial owner of our shares, you
may not be able to vote your shares at the Annual Meeting unless you have obtained a legal proxy from your Broker. Please contact your
Broker for further information. If you wish to revoke your proxy any time before the Annual Meeting you should contact your Broker to
find out how to change or revoke your voting instructions.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you hold your shares in street name through a brokerage account and you do not submit instructions to your Broker 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 &#8220;routine&#8221; matter,
such as approval of our Name Change or ratification of the appointment of the independent registered public accounting firm, then the
rules of the New York Stock Exchange provide Brokers discretionary power to vote your shares even if you do not provide instructions.
If, however, the proposal involves a &#8220;non-routine&#8221; matter, such as the proposals to elect directors, approve Say-on-Pay,
and approve the 2021 Plan Amendment, then Brokers are not permitted to vote your shares without instruction from you. If you do not submit
voting instructions to your Broker and your Broker exercises its discretion to vote your shares on Proposal Two to approve the Name Change
and Proposal Three to ratify the appointment of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024,
your shares will constitute broker &#8220;non-votes&#8221; on each of the other proposals at the Annual Meeting. Therefore, it is 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,
Say-on-Pay, and the 2021 Plan Amendment are counted.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Quorum
and Voting Information</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
presence at the Annual Meeting of a majority of the votes of our common stock entitled to vote, represented in person or by proxy, will
constitute a quorum for the transaction of business at the Annual Meeting.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assuming
a quorum, the seven nominees for director receiving a plurality of the votes cast for director will be elected as directors of Ocwen.
A plurality vote requirement means that the director nominees with the greatest number of votes cast, even if less than a majority, will
be elected. There is no cumulative voting. You may vote in favor of or withhold authority to vote for one or more nominees for director.
For Proposal Two to amend our Articles of Incorporation, as amended, to change our name to Onity Group Inc., Proposal Three to ratify
the appointment of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024, Proposal Four to approve
Say-on-Pay, and Proposal Five to approve the 2021 Plan Amendment, the proposal will be approved if the votes cast by the holders of the
shares represented at the Annual Meeting and entitled to vote in favor of the action exceed the votes cast opposing the action. Because
Proposal Three to ratify the appointment of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024 and
Proposal Four to approve Say-on-Pay are advisory in nature, there is no specific requirement for approval for these proposals. It will
be up to the Audit Committee with respect to Proposal Three and the Compensation and Human Capital Committee with respect to Proposal
Four, as well as the Board of Directors, to determine whether and how to implement the advisory votes on the ratification of the appointment
of our independent registered public accounting firm and Say-on-Pay.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Abstentions
will be counted as present and entitled to vote for purposes of determining whether a quorum is present. For Proposal One on the election
of directors, a &#8220;withhold vote&#8221; will not be counted in determining the vote&#8217;s outcome, because the candidates who receive
the highest number of &#8220;for&#8221; votes are elected, and candidates only need a single &#8220;for&#8221; vote to be elected. Abstentions
will not be counted as votes cast with respect to Proposal Two to approve the Name Change, Proposal Three to ratify the appointment of
Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024, Proposal Four to approve Say-on-Pay, or Proposal
Five to approve the 2021 Plan Amendment. If any broker &#8220;non-votes&#8221; occur at the meeting with respect to your shares, the
broker &#8220;non-votes&#8221; will be counted as present and entitled to vote for purposes of determining whether a quorum is present,
but will not be counted as votes cast with respect to Proposal One on the election of directors, Proposal Four to approve Say-on-Pay,
or Proposal Five to approve the 2021 Plan Amendment and therefore will not be counted in determining the outcome of those proposals presented
for your vote.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Annual
Meeting Participation</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
experience conducting virtual-format shareholder meetings over the past three years has demonstrated that virtual meetings allow far
more shareholders to participate online than would be able to travel to the meeting to attend in person. Accordingly, we will again be
hosting our Annual Meeting via live audiocast on the Internet at <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span>. You will not be able
to attend the Annual Meeting physically in person. Our shareholders will be afforded the same opportunities to participate at the virtual
Annual Meeting as they would at an in-person annual meeting of shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>S</b>hareholders
of record will be able to vote and ask questions online during the meeting. If you would like to attend the virtual Annual Meeting and
you have your control number, please go to <span style="text-decoration: underline">www.virtualshareholdermeeting.com/OCN2024</span> 15 minutes prior to the start of the meeting
to log in. Please note that if you do not have your control number, you will be able to access and listen to the Annual Meeting but you
will not be able to vote your shares or submit questions during the Annual Meeting. For shareholders who hold shares in street name,
if you came through your brokerage firm&#8217;s website and do not have your control number, you can gain access to the meeting by logging
into your brokerage firm&#8217;s website site 15 minutes prior to the meeting start, selecting the shareholder communications mailbox
to link through to the meeting and the control number will automatically populate. Please note that if you are a beneficial owner of
our shares you may not be able to vote your shares at the Annual Meeting unless you have obtained a legal proxy from your Broker. Please
contact your Broker for further information.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">After
the Annual Meeting, we will spend up to 15 minutes answering shareholder questions that comply with the meeting rules of conduct, which
will be posted on the website above prior to the Annual Meeting. To the extent time doesn&#8217;t allow us to answer all of the appropriately
submitted questions, we will answer them in writing on our investor relations website, at <span style="text-decoration: underline">http://www.ocwen.com</span> in the Shareholder
Relations section, soon after the meeting and the answers will remain available until one week after posting. If we receive substantially
similar questions, we will group such questions together and provide a single response to avoid repetition.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
technical assistance when logging into the virtual Annual Meeting, please call 800-586-1548 (US) or 303-562-9288 (International).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>SPECIAL
NOTE REGARDING FORWARD-LOOKING STATEMENTS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
proxy statement contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and
Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements may be identified by a reference to
a future period or by the use of forward-looking terminology and address matters that are, to different degrees, uncertain. Because forward-looking
statements involve a number of assumptions, risks and uncertainties that could cause actual results to differ materially, readers should
not place undue reliance on such statements. In the past, actual results have differed from those suggested by forward looking statements
and this may happen again. Important factors that could cause actual results to differ materially from those suggested by the forward-looking
statements include those described in Ocwen&#8217;s reports and filings with the SEC, including our Annual Report on Form 10-K for the
year ended December 31, 2023 and any current and quarterly reports since such date. Anyone wishing to understand Ocwen&#8217;s business
should review our SEC filings. Ocwen&#8217;s forward-looking statements speak only as of the date they are made and we disclaim any obligation
to update or revise forward-looking statements whether as a result of new information, future events or otherwise. Ocwen may post information
that is important to investors on our website.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Important
factors that could cause actual results to differ include, but are not limited to, the risks discussed above and the following:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    potential for ongoing disruption in the financial markets and in commercial activity generally related to changes in monetary and
    fiscal policy, United States (U.S.) political developments, geopolitical events and other sources of instability;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    impacts of inflation, employment disruption, and other financial difficulties facing our borrowers;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    impact of the recent failures and re-organization of banking institutions and continued uncertainty in the banking industry;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to timely reduce operating costs or generate offsetting revenue in proportion to the industry-wide decrease in originations
    activity, and the impact of cost-reduction initiatives on our business, operations, and financial performance;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to maintain and increase market share in our target markets, including in forward and reverse servicing;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">failure
    or perceived failure to comply with existing or future laws, regulations, contracts, self-regulatory schemes, standards, and other
    obligations related to data privacy and security, including any failure to protect customers&#8217; data, could result in disruption
    to our operations, loss of income, reputational damage, costly litigation and regulatory penalties and otherwise negatively affect
    our business;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    reliance on our technology vendors to adequately maintain and support our systems, including our servicing systems, loan originations
    and financial reporting systems, and uncertainty relating to our ability to transition to alternative vendors, if necessary, without
    incurring significant cost or disruption to our operations;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to interpret correctly and comply with current or future liquidity, net worth and other financial and other requirements
    of regulators, the Federal National Mortgage Association (Fannie Mae), and Federal Home Loan Mortgage Corporation (Freddie Mac) (together,
    the GSEs), and the Government National Mortgage Association (Ginnie Mae), as well as those set forth in our debt and other agreements,
    including our ability to identify and implement a cost-effective response to Ginnie Mae&#8217;s risk-based capital requirements that
    take effect in late 2024;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    amount of common stock or senior secured notes that we may repurchase under any future stock or debt repurchase programs, the timing
    of such repurchases, and the long-term impact, if any, of repurchases on the trading price of our stock or our financial condition;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    extent to which our mortgage servicing rights (MSR) joint venture with Oaktree Capital Management L.P. and its affiliates (Oaktree),
    other transactions and our enterprise sales initiatives will generate additional subservicing volume and result in increased profitability;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability, and the ability of MSR Asset Vehicle LLC (MAV), to bid competitively for, and close acquisitions of, MSRs on terms that
    will enable us to achieve our growth objectives and a favorable return on our investment in MAV;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to the future of MAV, one of our largest subservicing clients as of December 31, 2023, MAV&#8217;s continued ownership of
    its MSR portfolio after May 3, 2024, and any impact on our servicing revenue and MSR valuation adjustments as a result of the sale
    of MAV&#8217;s MSRs;</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    extent to which our ownership stake in MAV&#8217;s holding company may be diluted, resulting in a reduced ability for us to participate
    in certain routine management decisions;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to our long-term relationship with Rithm Capital Corp. (Rithm), one of our largest subservicing clients as of December 31,
    2023;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to identify, enter into and close additional strategic transactions, including the ability to obtain regulatory approvals,
    enter into definitive financing arrangements, and satisfy closing conditions, and the timing for doing so;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to efficiently integrate the operations and assets of acquired businesses and to retain their employees and customers over
    time;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    adequacy of our financial resources, including our sources of liquidity and ability to sell, fund and recover servicing advances,
    forward and reverse whole loans, future draws on existing reverse loans, and Home Equity Conversion Mortgage (HECM) and forward loan
    buyouts and put-backs;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to the ability of third party obligors and financing sources to fund servicing advances on a timely basis on loans serviced
    by us;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to repay, renew and extend borrowings, borrow additional amounts as and when required, meet our MSR or other asset investment
    objectives and comply with our debt agreements, including the financial and other covenants contained in them;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">increased
    servicing costs and reduced or delayed servicing income due to rising borrower delinquency levels , forbearance plans, moratoria
    on evictions and delays in foreclosure proceedings;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    characteristics of our servicing portfolio, including prepayment speeds along with delinquency and advance rates;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to continue to collect certain expedited payment or convenience fees and potential liability for charging such fees;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
    increase in severe weather or natural disaster events resulting in costly disruptions to our operations and increased servicing costs
    due to property damage;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to successfully modify delinquent loans, manage foreclosures and maintain and sell foreclosed properties;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">adverse
    effects on our business related to past, present or future claims, litigation, cease and desist orders and investigations relating
    to our business practices, including those brought by private parties and state regulators, the Consumer Financial Protection Bureau
    (CFPB), State Attorneys General, the Securities and Exchange Commission (SEC), the Department of Justice or the Department of Housing
    and Urban Development (HUD);</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">scrutiny
    of our compliance with COVID-19-related rules and regulations, including requirements instituted by state governments, the GSEs,
    Ginnie Mae and regulators;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    reactions of key counterparties, including lenders, the GSEs and Ginnie Mae, to our regulatory engagements and litigation matters;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    adverse developments in existing legal proceedings or the initiation of new legal proceedings;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to efficiently manage our regulatory and contractual compliance obligations and fully comply with all applicable requirements,
    and the costs of doing so;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to changes in legislation, regulations, government programs and policies, industry initiatives, best servicing and lending
    practices, and media scrutiny of our business and industry;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    extent to which changes in, or in the interpretation of, laws or regulations may require us to modify our business practices and
    expose us to increased expense and litigation risk, including with respect to the collection of expedited payment, or convenience,
    fees;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to comply with our servicing agreements, including our ability to comply with our agreements with the GSEs and Ginnie Mae
    and maintain our seller/servicer and other statuses with them;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    servicer and credit ratings as well as other actions from various rating agencies, including the impact of prior or future downgrades
    of our servicer and credit ratings;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to the actions of loan owners and guarantors, including mortgage-backed securities investors, the GSEs, Ginnie Mae and trustees
    regarding loan put-backs, penalties and legal actions;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to the GSEs substantially curtailing or ceasing to purchase our conforming loan originations or the Federal Housing Administration
    (FHA) of the HUD, Department of Veterans Affairs (VA) or United States Department of Agriculture (USDA) ceasing to provide insurance;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to recruit and retain senior managers and key employees;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">increased
    compensation and benefits expense as a result of rising inflation and labor market trends;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">uncertainty
    related to our reserves, valuations, provisions and anticipated realization of assets;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to effectively manage our exposure to interest rate changes and foreign exchange fluctuations;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to effectively transform our operations in response to changing business needs, including our ability to do so without unanticipated
    adverse tax consequences;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    timing for completion of our proposed rebranding and its impact on our business and third parties&#8217; perceptions of us; and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    ability to maintain positive relationships with our large shareholders and obtain their support for management proposals requiring
    shareholder approval.</span></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ELECTION
OF DIRECTORS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Proposal
One)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Bylaws provide that our Board of Directors shall consist of no less than three and no more than eleven members with the exact number
to be fixed by our Board of Directors. Effective April 1, 2024, concurrent with the appointment of Claudia J. Merkle as a director, our
Board of Directors fixed the number of directors at eight. As Phyllis R. Caldwell has informed the Board of Directors that she does not
intend to stand for re-election and is retiring from the Board of Directors immediately prior to the Annual Meeting, our Board of Directors
has fixed the number of directors at seven, effective immediately prior to the commencement of the Annual Meeting.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
further described below under &#8220;Board of Directors and Corporate Governance&#8221; and, in particular, under &#8220;Annual Board
Assessment&#8221; and &#8220;Director Nomination Process,&#8221; it is the responsibility of the Nomination/Governance Committee and
the Board to periodically review Board size and composition and, if deemed appropriate, to make changes that the Board believes will
best position the Board to enhance our ability to create value for shareholders and address changes in the market and business environment
in which we operate.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
the leadership of our Board, the Company demonstrated strong execution on our key strategic initiatives throughout 2023. Driven by our
servicing segment, Ocwen produced strong 2023 results in terms of both adjusted pre-tax income and adjusted return on equity. The Company&#8217;s
industry-leading servicing cost and operating performance, combined with special servicing capabilities, positioned us to execute on
opportunistic asset management transactions that were accretive to earnings. Originations delivered year-over-year growth in average
total servicing and subservicing portfolio unpaid principal balance (UPB) and responded to depressed industry volume levels by reducing
expenses and increasing the volume mix of higher-margin products, while maintaining disciplined MSR investing. In an effort to address
the impact of interest rate volatility on GAAP earnings, the Company increased our target MSR hedge coverage ratio throughout the year
and management is working to continue to optimize our hedging strategy. Ocwen was again honored with Fannie Mae&#8217;s 2023 STAR<sup>TM
</sup>award for servicing excellence and achieved Housing and Urban Development (HUD) Tier 1 servicer ranking, demonstrating the strength
and quality of our servicing platform. During 2023 Ocwen continued to benefit from our long-term strategic relationship with Oaktree,
extending the investment period for our joint MSR acquisition vehicle through May 2025. In addition, we launched a debt retirement initiative
for our senior corporate notes to strengthen the Company&#8217;s leverage profile ahead of future refinancing activity. Throughout, the
Board provided management with the guidance and oversight as we concluded our litigation with the Consumer Financial Protection Bureau
and continued to fulfil our regulatory commitments, work toward the resolution of remaining legacy matters, and respond with speed and
agility to new regulatory frameworks and disruption in the financial markets.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
put the Company in the best position to execute on these initiatives, the Nomination/Governance Committee and the Board evaluate on an
ongoing basis the skillsets and experiential perspectives of our directors as well as individuals recommended as potential nominees.
Consistent with our Board Diversity Policy and our Corporate Governance Guidelines, the Board has identified a set of director nominees
with individual backgrounds that, when combined, provide a portfolio of experience and knowledge that will best serve the Company&#8217;s
strategic and governance needs.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following provides additional information about the attributes of our current Board of Directors:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td colspan="17" style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Ocwen Financial Corporation</b></span></b></span></p>
                                                                                <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Board of Directors Skills and Experiences<sup>(1)</sup></b></span></p></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td></tr>
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <td style="text-align: center; vertical-align: middle">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td style="text-align: center; vertical-align: middle">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td style="text-align: center; vertical-align: middle">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td style="text-align: center; vertical-align: middle">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td>
    <td style="text-align: center; vertical-align: middle">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#10004;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center; vertical-align: middle">&#10004;</td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes outside managerial and director experience only (i.e.,
does not include Ocwen-based experience)</span></td></tr>

<tr style="vertical-align: top">
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms. Caldwell is not standing for re-election and intends to
retire from the Board immediately prior to the Annual Meeting.</span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><img src="formpre14a_004.jpg" alt=""/></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nominees
for Director</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Board of Directors, upon the recommendation of the Nomination/Governance Committee, is proposing the seven 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
of the nominees listed below has consented to being named in this proxy statement and to serving as a director, if elected. If any nominee
is unable to or will not 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 or the Board of Directors may reduce the number of directors
constituting the Board. As of the date of this proxy statement, our Board of Directors knows of no reason why any of the nominees would
not be able or willing to serve as a director if elected.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following sets forth certain information concerning our director nominees, including his or her principal occupation for at least the
last five years, additional biographical information and specific qualifications of each director:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 24%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>
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    Messina has served as Chair of the Board of Directors since January 2023 and as President and Chief Executive Officer and a director
    of Ocwen since October 2018. He previously served as the President and Chief Executive Officer of PHH Corporation (PHH Corp.) from
    January 2012 to June 2017 and Chief Operating Officer of PHH Corp. from July 2011 to December 2011. Mr. Messina also served as a
    director of PHH Corp. from January 2012 to June 2017 and as a consultant to PHH Corp. through March 2018. Prior to joining PHH Corp.,
    Mr. Messina spent 17 years at General Electric Company (GE), most recently as Chief Executive Officer of GE Chemical and Monitoring
    Solutions, a global water and process specialty chemicals services business.</span></p>
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    Messina was selected to serve on our Board of Directors because of his extensive operational and leadership experience, including
    his service as both our President and Chief Executive Officer and his service as a director and the President and Chief Executive
    Officer of PHH Corp.</span></p></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    Bowers has served as a director of Ocwen since May 2015. In March 2023, Mr. Bowers was appointed as a director of Selina Hospitality
    PLC (Nasdaq GS: SLNA) and serves as Chair of the Audit Committee and a member of the Finance &amp; Capital Allocation Committee.
    In December 2021, Mr. Bowers was appointed as a Director, the Audit &amp; Finance Committee Chair and a member of the Compensation
    Committee of CWT Travel Holdings, Inc., a private business-to-business-for-employees (B2B4E) travel management platform. Mr. Bowers
    also previously served as a Director of Walker &amp; Dunlop, Inc. (NYSE:WD), a commercial real estate finance company, from December
    2010 until May, 2022, served as its Lead Director, and served on its Nominating and Corporate Governance Committee and as Chair of
    its Audit Committee. Mr. Bowers also served on the board and as Audit Committee Chair of CorePoint Lodging Inc., a publicly traded
    lodging REIT, from April 2018 until March 2022, when the company became a privately held company in a merger transaction. From July
    2013 to May 2018, Mr. Bowers served as a Director of hotel chain La Quinta Inns &amp; Suites (NYSE:LQ). Mr. Bowers&#8217; additional
    prior roles include serving as a Director of American Achievement Corp., a privately-held manufacturer and distributor of graduation
    products, President, Chief Executive Officer and a board member of Cape Success, LLC, a private equity-backed staffing service and
    information technology solutions business, President, Chief Executive Officer and a board member of MarketSource Corporation, a marketing
    and sales support service firm and President, Chief Executive Officer and a board member of MBL Life Assurance Corporation, a life
    insurance company. Mr. Bowers also previously served on the boards and as Audit Committee Chair of Refrigerated Holdings, Inc., Roadlink
    Inc., and Fastfrate Holdings, Inc., each a transportation and logistics firm. Mr. Bowers has been a Certified Public Accountant since
    1978, with experience including 17 years at Coopers &amp; Lybrand, L.L.P. Mr. Bowers received his Bachelor of Science in Accounting
    from Montclair State University and his Master of Business Administration from St. John&#8217;s University.</span></p>
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    Bowers was selected to serve as a member of our Board of Directors because he brings to our Board over thirty years of experience
    in accounting and executive management, including experience on the audit committees of private companies and Securities and Exchange
    Commission registrants. Mr. Bowers&#8217; accounting expertise and diverse corporate management experience are assets to our Board.</span></p></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    Britell has served as a director of Ocwen since February 2019. Dr. Britell served as a director of United Rentals, Inc. (NYSE:URI)
    from 2006 to 2019, including as its non-executive Chair from 2008 to 2019. Dr. Britell also served as a director of Quest Diagnostics
    Inc. (NYSE:DGX), including as a member of its Audit and Finance Committee, from 2005 to 2019. From 2000 through 2017, Dr. Britell
    served as a director of Crown Holdings, Inc. (NYSE:CCK), including as Chair of the Audit Committee. Previously, Dr. Britell served
    as Chair and Chief Executive Officer of Structured Ventures, Inc., advisors to U.S. and multinational companies, and as a senior
    executive of GE Capital, including as the Executive Vice President of Global Consumer Finance and President of Global Commercial
    and Mortgage Banking. Before joining GE Capital, she held significant management positions with Dime Bancorp, Inc., HomePower, Inc.,
    Citicorp and Republic New York Corporation. Earlier, she was the founding Chair and Chief Executive Officer of the Polish-American
    Mortgage Bank. Dr. Britell&#8217;s extensive prior board service also includes serving as Lead Director for Aames Investment Corp.,
    as a trustee for the Teachers Insurance and Annuity Association (TIAA-CREF), and as a director for Lincoln National Corp., in addition
    to numerous civic and philanthropic boards. Dr. Britell received a Ph.D. and a master&#8217;s degree in business administration from
    Columbia University and received a master&#8217;s degree and an undergraduate degree from Harvard University.</span></p>
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    Britell was selected to serve as a member of our Board of Directors due to her extensive executive and advisory experience, including
    in corporate governance, corporate finance, capital markets, international business and strategic planning, with multinational corporations
    operating in complex, regulated industries.</span></p></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <td style="font: 10pt Times New Roman, Times, Serif"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
    Busquet has served as a director of Ocwen since January 2016. Mr. Busquet was formerly Chief Risk Officer and Managing Director of
    Natixis North America LLC and a member of the Executive Committee from April 2008 to February 2015. Prior to that, Mr. Busquet was
    Executive Vice President and member of the Executive Committee of Canyon Americas (formerly Credit Lyonnais Americas) in charge of
    Risks, Compliance, Legal, Regulatory Affairs and Asset Recovery. Since 2021, Mr. Busquet has served as a director of Mizuho Securities
    USA, the US broker dealer of the Mizuho Financial Group, and a director of Mizuho Bank USA, a FDIC-regulated bank 100% owned by the
    Mizuho Financial Group. Since July 2016, Mr. Busquet has served as a director of Mizuho Americas LLC, the US Bank Holding Company
    of Mizuho Financial Group, Inc. Since 2005, Mr. Busquet has served as a director of Prolitec Inc., a privately-held commercial air
    scenting company. Since September 2023, Mr. Busquet has served as a Trustee of Old Westbury Gardens, a not-for-profit organization,
    and is a Member of the Finance Committee. Mr. Busquet has previously served as a trustee of the Institute of International Bankers,
    and of the African Wildlife Foundation, which he also served as Audit Committee Chair. Mr. Busquet has a Master of Business Administration
    in Finance from each of The Wharton School of the University of Pennsylvania and Hautes &#201;tudes Commercialese (HEC), Paris.</span></p>
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    Busquet was selected to serve as a member of our Board of Directors because with his broad experience as an officer in charge of
    risks in his prior positions, Mr. Busquet brings to our Board valuable insight into risk management and compliance issues. His experience
    working in financial institutions provides him with a deep understanding of the financial services industry. We also benefit from
    his corporate management experience.</span></p></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>
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    Merkle is the former Chief Executive Officer of NMI Holdings, Inc. (Nasdaq:NMIH, &#8220;NMI&#8221;), a publicly traded private mortgage
    insurer and the parent company of National Mortgage Insurance Corporation. Ms. Merkle held the position of Chief Executive Officer
    from January 2019 through her retirement in December 2021. From 2019 through her departure in 2021, Ms. Merkle also served on NMI&#8217;s
    Board of Directors. Prior to serving as Chief Executive Officer, Ms. Merkle held multiple executive leadership positions at NMI after
    joining the company in May 2012, including President; Chief Operating Officer; Executive Vice President, Chief of Insurance Operations;
    and Senior Vice President, Underwriting Fulfillment and Risk Operations. Ms. Merkle also currently serves as an Advisory Board member
    of HomeLend Inc., a technology and operational platform that facilitates direct purchase and sale of mortgage loans.</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms.
    Merkle was selected to serve as a member of our Board of Directors due to her deep public company experience and significant industry
    knowledge spanning risk management and technology innovation in sales and operations as well as emerging corporate governance issues.</span></p></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
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    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>
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    Soaries has served as a director of Ocwen since January 2015. Dr. Soaries served as Pastor Emeritus at First Baptist Church of Lincoln
    Gardens until 2023 and Senior Pastor from 1990 through 2021. He formerly served as New Jersey Secretary of State from 1999 to 2002
    and as Chair of the United States Election Assistance Commission from 2004 to 2005. He currently serves as an independent director
    at Independence Realty Trust, a publicly traded real estate investment trust, a position he has held since February 2011, and is
    Chair of the Compensation Committee. Dr. Soaries also served as an independent director of the Federal Home Loan Bank of New York
    from January 2009 through December 31, 2023, where he was the Vice Chair of the Compensation and Human Resources Committee and also
    served as a member of the Affordable Housing, Governance and Executive Committees. He also previously served as a director of New
    Era Bank. Dr. Soaries earned a Bachelor of Arts from Fordham University, a Master of Divinity from Princeton Theological Seminary
    and a Doctor of Ministry from United Theological Seminary.</span></p>
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    Soaries was selected to serve as a member of our Board of Directors due to his experience in the financial services industry, including
    as a board member of a public financial services company. Dr. Soaries brings a unique perspective as a religious and community leader
    focused on the issues facing struggling borrowers and communities.</span></p></td></tr>
  </table>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
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    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i><img src="formpre14a_011.jpg" alt=""/></i></b></span></p>
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    Stein has served as Lead Independent Director since January 2023 and as a director of Ocwen since February 2019. Since January 2024,
    Mr. Stein has been Managing Director of Klaros Capital, a division of advisory and investment firm Klaros Group. From June 2022 through
    December 2023, he served as an independent consultant. From December 2020 through its merger with Pagaya Technologies Ltd. in 2022,
    Mr. Stein served as Chief Executive Officer and a director of EJF Acquisition Corp. From July 2018 through July 2022, he also served
    as Senior Managing Director at EJF Capital, LLC. In addition, from March 2016 through December 2019, Mr. Stein served with KCK US,
    Inc., a family-controlled private equity firm. Mr. Stein was previously a Managing Director in the Financial Institutions Group of
    Barclays, a Partner and Group Head of Depository Investment Banking at FBR &amp; Co., a member of the leadership team of GreenPoint
    Financial Corporation, a bank holding company, and an Associate Director of the Federal Deposit Insurance Corporation (FDIC). Mr.
    Stein is Audit Committee Chair of Dime Community Bancshares, Inc. (Nasdaq:DCOM), where he has served as a director since 2017. He
    also served as a director of Pagaya Technologies Ltd (Nasdaq:PGY) from August 2022 through September 2023 and as a director of PHH
    Corp. from June 2017 until its acquisition by Ocwen in October 2018. Mr. Stein received his undergraduate degree from Syracuse University
    and his Master of Business Administration from Carnegie Mellon University.</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
    Stein was selected to serve as a member of our Board of Directors due to his knowledge regarding the financial services industry
    and his mortgage servicing experience, including his prior service as a director of PHH Corp.</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Retiring
Director</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 24%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i><img src="formpre14a_012.jpg" alt=""/></i></b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Phyllis
    R. Caldwell</i></b></span></p></td>
    <td style="width: 2%">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 74%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms.
    Caldwell served as Chair of the Board of Directors from March 2016 until January 2023 and has served as a director of Ocwen since
    January 2015. In December 2021, Ms. Caldwell was appointed as a director of Oaktree Specialty Lending Corporation (Nasdaq:OCSL),
    a specialty finance business development company (BDC), and serves on its Audit Committee. In June 2021, Ms. Caldwell was appointed
    as a director of OneMain Holdings, Inc. (NYSE:OMF), a financial services holding company serving nonprime consumers. In March 2021,
    Ms. Caldwell was appointed as a member of the Board of Trustees of JBG SMITH Properties (NYSE:JBGS), an owner and developer of mixed-use
    properties in the Washington, D.C. market. From December 2020 through July 2021, Ms. Caldwell served on the Board of Directors of
    Revolution Acceleration Acquisition Corp (Nasdaq:RAAC), a special purpose acquisition company. Ms. Caldwell is founder and has served
    since 2012 as the managing member of Wroxton Civic Ventures, which provides advisory services on various financial, housing and economic
    development matters. Previously, Ms. Caldwell was Chief Homeownership Preservation Officer at the U.S. Department of the Treasury,
    responsible for oversight of the U.S. housing market stabilization, economic recovery and foreclosure prevention initiatives established
    through the Troubled Asset Relief Program. In addition, Ms. Caldwell held various leadership roles during eleven years at Bank of
    America, including serving as President of Community Development Banking. From January 2014 to March 2021, Ms. Caldwell served as
    a director of City First Bank, National Association (formerly City First Bank of D.C., National Association, now a subsidiary of
    Broadway Financial Corporation (Nasdaq: BYFC) since April 1, 2021). Ms. Caldwell also serves or has served on the boards of other
    public and private businesses and numerous non-profit organizations engaged in housing and community development finance. Ms. Caldwell
    received her Master of Business Administration from the Robert H. Smith School of Business at the University of Maryland, College
    Park and holds a Bachelor of Arts in Sociology, also from the University of Maryland.</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms.
    Caldwell is not standing for re-election and intends to retire from the Board of Directors immediately prior to the Annual Meeting.</span></p></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OUR
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>THAT
YOU VOTE &#8220;FOR ALL&#8221; OF THE NOMINEES FOR DIRECTOR.</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>BOARD
OF DIRECTORS AND CORPORATE GOVERNANCE</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Role
of the Board of Directors</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors plays an active role in overseeing management and representing the interests of the shareholders. Each director is
expected to dedicate sufficient time, energy and attention to ensure diligent performance of his or her duties, including by attending
annual meetings of the shareholders of the Company, and meetings of the Board and Committees of which he or she is a member.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Board of Directors held 13 meetings and acted by unanimous written consent three times in 2023. Each incumbent director who served as
a director during 2023 attended at least 75% of the aggregate of these meetings and all meetings held by all committees of our Board
of Directors on which he or she served during 2023. Directors are expected to attend the annual meeting of shareholders (including via
electronic participation) and a director who is unable to attend is expected to notify the Company Secretary in advance of such meeting.
Our virtual 2023 Annual Meeting of Shareholders was attended by seven directors.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Board
Observers</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
connection with the completion of a private placement of $199.5 million aggregate principal amount of Ocwen senior secured second lien
notes (the Second Lien Notes) to funds managed by Oaktree Capital Management, L.P. (the Oaktree Investors) on March 4, 2021, Messrs.
Jason Keller and Brian Laibow, serving in management roles with the Oaktree Investors, joined the Company in the role of non-voting observers
to our Board of Directors. Under their agreement with the Company, the Oaktree Investors may designate two Board of Directors observers
for as long as the aggregate outstanding principal amount of the Second Lien Notes is at least $100 million or the Oaktree Investors
and their affiliates collectively own at least 15.0% of all issued and outstanding common stock of the Company (assuming the exercise
of certain warrants held by them in full). Mr. Keller and Mr. Dante Quazzo presently serve as the Oaktree Investors&#8217; designated
Board observers. The observers are entitled to attend all meetings of the Board of Directors and its committees and review all information
presented to them with limited exceptions, including discussions and presentations with respect to which the presence of the observers
could jeopardize attorney-client privilege.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Director
Independence</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Corporate Governance Guidelines provide that a majority of our Board of Directors must be independent in accordance with the listing
standards of the New York Stock Exchange.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Nomination/Governance Committee and the Board of Directors review independence upon appointment and annually review the direct and indirect
relationships that each director has with Ocwen based in part on responses provided by our directors to a questionnaire that incorporates
the independence standards established by the New York Stock Exchange. Only those directors who satisfy the independence standards and
who are determined by our Board of Directors to have no material relationship with Ocwen (either directly or as a partner, shareholder
or officer of an organization that has a relationship with Ocwen) are considered independent. Following the Nomination/Governance Committee&#8217;s
review and findings, the Nomination/Governance Committee and our Board of Directors have affirmatively determined that Mses. Caldwell
and Merkle, Messrs. Bowers, Busquet, and Stein, and Drs. Britell and Soaries are independent directors.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Annual
Board Evaluation</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Corporate Governance Guidelines and Nomination/Governance Committee Charter provide that the Nomination/Governance Committee will oversee
an annual self-assessment of the performance of the Board of Directors as a whole and the performance of each committee of the Board
of Directors. The evaluations are designed to assess whether the Board of Directors and its committees function effectively and make
valuable contributions and to identify opportunities for improving their operations and procedures. Our 2023 performance self-assessments
were conducted in the first quarter of 2024.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Board
Leadership Structure</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Board of Directors does not believe that it is in the best interests of the Company and our shareholders to mandate the separation of
the offices of Chair of the Board of Directors and Chief Executive Officer. Rather, 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
January 2023 as part of its regular self-evaluation and succession planning activities, the Board of Directors determined that combining
the positions of Chief Executive Officer and Chair of the Board of Directors, together with the appointment of a Lead Independent Director,
is the best structure to fit the Company&#8217;s needs at this time and helps provide strong and consistent leadership for the management
team and the Board. The Board believes that Mr. Messina&#8217;s knowledge and background with the Company, deep industry experience,
demonstrated leadership capability and track record of delivering results benefits Ocwen&#8217;s shareholders, customers and employees
uniquely positions him to lead the Board and continue to oversee the Company&#8217;s strategic initiatives. As Chair of the Board, Mr.
Messina leads the Board of Directors and oversees Board meetings and the delivery of information necessary for the Board&#8217;s informed
decision-making. In his capacity as President and Chief Executive Officer, Mr. Messina continues to be responsible for our day-to-day
operations and for formulating and executing our long-term strategies in collaboration with the Board.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
January 2023, the Board appointed Mr. Stein as Lead Independent Director. In this role, Mr. Stein is responsible for leading the Board&#8217;s
independent oversight function and for addressing any corporate governance considerations arising from the service of the same individual
as Chair and Chief Executive Officer. Mr. Stein presides at all executive sessions of the independent directors and serves as principal
liaison between the Chair and the independent directors, meeting regularly with the Chair to exchange feedback and discuss critical issues.
In addition, he works to optimize Board performance by fostering a climate of constructive candor in which diverse viewpoints are heard
and frank and thoughtful discussion occurs.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
duties of the Lead Independent Director are further set forth in a charter approved by our Board of Directors, a copy of which is available
on our website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; Following
shareholder approval of our Name Change, we expect our primary website will be <span style="text-decoration: underline">www.onitygroup.com</span> and visitors to <span style="text-decoration: underline">www.ocwen.com
</span>will be automatically re-directed to our new website.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Committees
of the Board of Directors </b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Board of Directors has the following standing committees: an Audit Committee, a Compensation and Human Capital Committee, a Nomination/Governance
Committee, a Risk and Compliance Committee, and an Executive Committee. The table below lists the current members of each of these committees.
A brief description of each committee is provided below the table.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 25%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Name</b></span></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Age</b><sup>(1)</sup></span></td>
    <td style="padding-bottom: 1.5pt; vertical-align: bottom; text-align: center; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 8%"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Director</b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Since</b></span></p></td>
    <td style="padding-bottom: 1.5pt; vertical-align: bottom; text-align: center; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Audit</b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Committee</b></span></p></td>
    <td style="padding-bottom: 1.5pt; vertical-align: bottom; text-align: center; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 13%"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Compensation
    and Human Capital</b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Committee</b></span></p></td>
    <td style="padding-bottom: 1.5pt; vertical-align: bottom; text-align: center; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nomination/
    </b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Governance</b></span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Committee</b></span></p></td>
    <td style="padding-bottom: 1.5pt; vertical-align: bottom; text-align: center; width: 2%">&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">X<sup>(2)</sup></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">X</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">62</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">X</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">X<sup>(2)</sup></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">X</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)
    </sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Committee
    Chair</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify">Effective May 28, 2024, Dr. Soaries will replace Ms. Caldwell as Nomination/Governance Committee Chair and step down
from the Compensation Committee, and Ms. Merkle will join the Nomination/Governance Committee and the Compensation Committee.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Audit
Committee.</i></b> The Audit Committee of our Board of Directors oversees the relationship with our independent registered public accounting
firm, and reviews and advises our Board of Directors with respect to matters involving accounting, auditing, and financial reporting,
among other things. Audit Committee oversight also includes the evaluation of significant matters relating to the financial reporting
process and our system of internal accounting controls. The Audit Committee also provides oversight of the internal audit function and
is responsible for ensuring the Company has appropriate procedures in place for the receipt and review of confidential and anonymous
reports of questionable accounting or auditing matters. Additionally, the Audit Committee reviews the scope and results of the annual
audit conducted by the independent registered public accounting firm.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
current members of the Audit Committee are Messrs. Bowers (Chair) and Busquet, and Dr. Britell. Each member of our Audit Committee (i)
is independent as independence for audit committee members is defined in the listing standards of the New York Stock Exchange and applicable
rules of the Securities and Exchange Commission, (ii) is financially literate, (iii) possesses accounting or related financial management
expertise within the meaning of the listing standards of the New York Stock Exchange and (iv) qualifies as an audit committee financial
expert, as such term is defined in the applicable rules of the Securities and Exchange Commission. No current member of the Audit Committee
serves on the audit committee of more than three other public companies.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Audit Committee operates under a written charter approved by our Board of Directors, a copy of which is available on our website at <span style="text-decoration: underline">www.ocwen.com
</span>in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; The Audit Committee generally reviews its charter
annually and occasionally reviews it more frequently. When circumstances require, the charter is amended and the revised version posted
on our website. This Committee met nine times in 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Compensation
and Human Capital Committee.</i></b> The Compensation and Human Capital Committee (Compensation Committee) of our Board of Directors
oversees our compensation and employee benefit plans and practices as well as the Company&#8217;s human capital initiatives and executive
management development, evaluation, retention and succession planning. In furtherance thereof, the Compensation Committee reviews and
approves corporate goals and objectives relevant to the compensation of our executive officers, including the President and Chief Executive
Officer, evaluates our executive officers&#8217; performance in light of those goals and objectives and approves our executive officers&#8217;
compensation based on their evaluations. In addition, the Compensation Committee oversees the review and approval of awards made to our
non-executive officer employees that participate in our cash and equity incentive programs. The Compensation Committee is empowered to
review and to administer awards under the 2007 Equity Incentive Plan, under which no new awards may be granted but previously granted
awards remain outstanding, the 2017 Performance Incentive Plan, under which no new awards may be granted but previously granted awards
remain outstanding, and the 2021 Equity Incentive Plan, as amended (the 2021 Plan). The Compensation Committee has the authority to retain,
at the Company&#8217;s expense, compensation consultants, independent counsel or other advisers as it deems necessary in connection with
its responsibilities. The Compensation Committee may form and delegate authority to subcommittees when it deems it to be appropriate.
The role of the Compensation Committee and our processes and procedures for the consideration and determination of executive and director
compensation are described in more detail below under &#8220;Board of Directors Compensation&#8221; and &#8220;Compensation Discussion
and Analysis,&#8221; respectively.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
current members of the Compensation Committee are Mr. Busquet (Chair), Dr. Soaries and Mr. Stein. Effective May 28, 2024, the members of the Compensation Committee will be Mr. Busquet (Chair), Ms. Merkle and Mr.
Stein. Each of these directors is
independent as independence for Compensation Committee members is defined in the listing standards of the New York Stock Exchange. In
addition, each member of the Compensation Committee also qualifies as a &#8220;non-employee&#8221; director as defined in Rule 16b-3
of the Securities and Exchange Commission and as an &#8220;outside&#8221; director within the meaning of Section 162(m) of the Internal
Revenue Code (the Code).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Compensation Committee operates under a written charter approved by our Board of Directors, a copy of which is available on our website
at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; The Compensation Committee
generally reviews its charter annually and occasionally reviews it more frequently. When circumstances require, the charter is amended
and the revised version posted on our website. This Committee met eight times in 2023.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Compensation
Committee Interlocks and Insider Participation</i>. </b>Mr. Busquet, Dr. Soaries and Mr. Stein served as members of the Compensation
Committee during 2023. None of such members were, at any time during the 2023 fiscal year or at any previous time, an officer or employee
of the Company. None of our executive officers have served on the Board of Directors or Compensation Committee of any other entity that
has or had one or more executive officers who served as a member of our Board of Directors or our Compensation Committee during the 2023
fiscal year. No member of the Compensation Committee had any relationship with us requiring disclosure under Item 404 of Securities and
Exchange Commission Regulation S-K.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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, recommends a set of corporate governance principles to our Board and oversees the evaluation of our Board
of Directors and our management.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
current members of the Nomination/Governance Committee are Ms. Caldwell (Chair) and Drs. Britell and Soaries. Effective May 28, 2024,
the members of the Nomination/Governance Committee will be Dr. Soaries (Chair), Dr. Britell and Ms. Merkle. Each of these directors is independent as defined in the listing standards of the New
York Stock Exchange.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Nomination/Governance Committee operates under a written charter approved by our Board of Directors, a copy of which is available on
our website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; The Nomination/Governance
Committee generally reviews its charter annually and occasionally reviews it more frequently. When circumstances require, the charter
is amended and the revised version posted on our website. This Committee met six times in 2023.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Risk
and Compliance Committee.</i></b> The Risk and Compliance Committee of our Board of Directors provides assistance to the Board of Directors
with (i) review of risks that could affect the ability of the Company to achieve its strategies and preserve its assets, (ii) oversight
of an enterprise risk management infrastructure to identify, measure, monitor and report on the risks the Company faces, (iii) oversight
of our compliance function, including our compliance management system and information security/privacy programs, and (iv) oversight
of our compliance with applicable laws, rules and regulations governing our consumer-oriented businesses, including Federal consumer
financial laws and applicable state laws. The Risk and Compliance Committee also provides assistance to the Board of Directors with the
review, approval and oversight of related party transactions pursuant to our Related Party Transactions Approval Policy.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
current members of the Risk and Compliance Committee are Messrs. Stein (Chair), Bowers and Busquet, all of whom are independent directors
as defined in the listing standards of the New York Stock Exchange.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Risk and Compliance Committee operates under a written charter approved by our Board of Directors, a copy of which is available on our
website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; The Risk and Compliance
Committee generally reviews its charter annually and occasionally reviews it more frequently. When circumstances require, the charter
will be amended and the revised version posted on our website. This Committee met seven times in 2023.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">From
time to time, when requested by the Board of Directors, the Risk and Compliance Committee provides oversight of the Company&#8217;s exploration
of potential business combinations and other transformative transactions.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><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, if necessary. The current members of the Executive Committee are Mr. Messina (Chair) and Messrs.
Busquet and Stein.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Other
Committees. </i></b>Our Board of Directors has the authority to form additional standing or temporary committees, and delegate appropriate
authority to such committees if and when the Board determines that it is advisable to do so. In addition, the Board may, from time to
time, determine that a standing committee should be dissolved or re-organized in order to more efficiently serve the Company&#8217;s
corporate governance needs.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Director
Nomination Process</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Nomination/Governance Committee regularly assesses the appropriate size and composition of the Board of Directors, including whether
any vacancies on the Board of Directors are anticipated. If vacancies are anticipated, various potential candidates for director are
identified. Candidates may come to the attention of the Nomination/Governance Committee through current members of the Board of Directors,
professional search firms, shareholders or industry sources.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective
April 1, 2024, concurrent with the appointment of Ms. Merkle as a director, our Board of Directors fixed the number of directors at eight.
Our Board of Directors has determined that, upon the retirement of Ms. Caldwell immediately prior to the Annual Meeting, the size of
the Board of Directors will be reduced to seven directors.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
evaluating nominees for director, our Nomination/Governance Committee takes into account the applicable requirements for directors under
the rules of the Securities and Exchange Commission and the listing standards of the New York Stock Exchange. In addition, our Nomination/Governance
Committee takes into account such factors as experience, knowledge, skills, expertise, integrity, diversity, ability to make independent
analytical inquiries, understanding of the Company&#8217;s business environment and willingness and ability to devote adequate time and
effort to Board responsibilities and the interplay of the candidate&#8217;s qualifications and experience with the qualifications and
experience of other members of our Board of Directors. We do not have a policy relating to the nomination or continued service of directors
above a specific age, as we believe it is more beneficial to focus on the qualifications, experience, and performance of our directors
and director nominees, and we consider Board refreshment from a broader perspective than the age of individual directors. We also consider
the number of other boards on which a nominee sits. The Company&#8217;s general policy is to limit the number of other public company
boards of directors upon which a director may sit to four, and presently no director sits on more than three other public company boards.
The Board of Directors retains discretion to appoint or nominate for election by the shareholders individuals who sit on more than four
other public company boards of directors if the Board of Directors considers the addition of such individual to the Board of Directors
to be in the best interests of the Company and its shareholders. Our Nomination/Governance Committee evaluates all of the factors outlined
above, as well as any other factors it deems to be appropriate, and recommends candidates that it believes will enhance our Board of
Directors and benefit the Company and our shareholders. It is the policy of our Nomination/Governance Committee to consider candidates
for director recommended by shareholders, but the Nomination/Governance Committee has no obligation to recommend such candidates. A copy
of our Corporate Governance Guidelines is available on our website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section
under &#8220;Corporate Governance.&#8221;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the Board of Director&#8217;s Diversity Policy, the Nomination/Governance Committee considers diversity when it recommends director
nominees to the Board of Directors. We view 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&#8217;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. In addition, the
Board recognizes the value of including perspectives shaped by diverse ethnicities, geographic origins and genders in building an inclusive
corporate culture that reflects and supports Ocwen&#8217;s diverse customer base and global workforce. Board members should have individual
backgrounds that, when combined, provide a portfolio of experience and knowledge that will serve the Company&#8217;s strategic and governance
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.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
evaluating a particular candidate, the Nomination/Governance Committee will consider factors other than the candidate&#8217;s qualifications,
including the current composition of the Board of Directors, the balance of management and independent directors, the need for Audit
Committee and other 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 process, 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 of the Nomination/Governance Committee. Should a
shareholder recommend a candidate for Director, our Nomination/Governance Committee would evaluate such candidate in the same manner
that it evaluates any other nominee. To date, no shareholder or group of shareholders has put forth any director nominees for the Annual
Meeting.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you wish to recommend persons for consideration by our Nomination/Governance Committee as nominees for election to our Board of Directors,
you may do so by written notice to our Secretary at Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach, Florida
33409. Such notice must contain all the information set forth in Section 2.2 of our Bylaws and comply with the procedures and deadline
set forth therein. See &#8220;Submission of Shareholder Proposals for 2025 Annual Meeting,&#8221; below for additional information about
this process.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Prohibition
against Short Sales, Hedging and Margin Accounts</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Insider Trading Prevention Policy prohibits any director, officer or employee from engaging in any short sale of the Company&#8217;s
stock, establishing and using a margin account with a broker-dealer for the purpose of buying or selling Company stock, pledging Company
securities as collateral for a loan, buying or selling puts or calls on the Company&#8217;s stock, or engaging in any other transaction
that hedges the economic risk associated with ownership of the Company&#8217;s securities. This policy is designed to encourage investment
in the Company&#8217;s stock for the long term, on a buy and hold basis, and to discourage active trading or short-term speculation and
applies regardless of whether such Company securities were (i) granted to the director, officer or employee as part of their compensation
or (ii) held directly or indirectly by the director, officer or employee.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Corporate
Governance Guidelines</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Corporate Governance Guidelines adopted by our Board of Directors provide guidelines for us and our Board of Directors to help ensure
effective corporate governance. The Corporate Governance Guidelines cover topics such as director qualifications, board of director and
committee composition, director responsibilities, director access to management and independent advisers, director compensation, director
orientation and continuing education, management succession and annual performance appraisal of the Board of Directors. The Corporate
Governance Guidelines also provide that within five years of their appointment, directors are generally expected to own shares in the
Company worth at least five times the base annual cash retainer for service as a director.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Corporate Governance Guidelines are available on our website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under
&#8220;Corporate Governance.&#8221; Our Nomination/Governance Committee reviews our Corporate Governance Guidelines annually and recommends
amendments to the Board of Directors for approval.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors has also adopted a Clawback Policy as further described under &#8220;Clawback Policy&#8221; in the &#8220;Executive
Compensation&#8221; section below.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Executive
Sessions of Non-Management Directors</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Messina chairs executive sessions of the full Board of Directors. Mr. Stein presides at the executive sessions of non-management directors,
succeeding Ms. Caldwell, who presided prior to our January 2023 Board leadership transition. Our non-management directors met in executive
sessions of the full Board without management during ten meetings in 2023<b><i>.</i></b> In addition, our Audit, Compensation and Human
Capital, and Risk and Compliance Committees generally met in executive session at each regularly scheduled quarterly meeting and on other
occasions when the members believed it was advisable to do so.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Meetings
with Management Independent of the Chief Executive Officer</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Lead Independent Director, the chairs of our committees and our other directors meet with various members of management, without the
Chief Executive Officer present, to discuss matters relevant to the business of the Company. For example, in addition to discussions
with members of senior management, the chair of the Audit Committee meets independently with the Chief Audit Executive, our independent
auditors and the Chief Legal Officer from time to time and the chair of the Risk and Compliance Committee meets independently with the
Chief Risk and Compliance Officer and the Chief Legal Officer from time to time. In prior years, our directors have also visited various
of our U.S. and international sites to meet generally with employees and senior management in those locations.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Communications
with Directors</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you desire to communicate with our Board of Directors or any individual director regarding Ocwen, you may do so by writing to our Secretary
at Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409. You may communicate anonymously or
confidentially and may also indicate whether you are a shareholder, customer, supplier, or other interested party. You may also write
to our Board of Directors through our website at <span style="text-decoration: underline">http://shareholders.ocwen.com/contactBoard.cfm</span>.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders
and other interested parties may communicate directly with the Audit Committee and the non-management directors of the Board of Directors
by calling our hotline, which is administered by a third party, at 1-800-884-0953. The Chair of the Audit Committee has been designated
to receive such communications.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Communications
received in writing are distributed to our Board of Directors or to individual directors, as the Chief Legal Officer and Secretary deem
appropriate, depending on the facts and circumstances outlined in the communication received. In that regard, the Board of Directors
has requested that certain items that are unrelated to the duties and responsibilities of the Board of Directors should be excluded,
such as:</span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Service
    or product complaints </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Service
    or product inquiries </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">New
    service or product suggestions </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Resumes
    and other forms of job inquiries </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
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    </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business
    solicitations or advertisements </span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition, material that is unduly hostile, threatening, illegal, repetitive, irrelevant to the Board of Directors or similarly unsuitable
will be excluded, provided that any communication that is filtered out will be made available to any non-management director upon request.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Code
of Ethics</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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.
The Code of Business Conduct and Ethics and the Code of Ethics for Senior Financial Officers are available on our web site at <span style="text-decoration: underline">www.ocwen.com
</span>in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221; 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.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Risk
Management and Oversight Process</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One
of our Board of Directors&#8217; key responsibilities is the oversight of risk associated with the Company. Certain of these responsibilities
have been delegated to specific committees, in which case the Board oversees the work of the committee.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Risk
and Compliance Committee</i></b>. As discussed above, this committee is responsible for monitoring the Company&#8217;s enterprise risk
management framework, and regularly meets with the Chief Risk and Compliance Officer to discuss risk exposures and mitigation plans.
This committee monitors the Company&#8217;s evaluation and management of risks, including, but not limited to, operational risk, regulatory
compliance risks and cybersecurity risks, through reviews with management, including comprehensive reviews every quarter with additional
updates as appropriate. This committee also reviews and approves related party transactions in accordance with our Related Party Transactions
Approval Policy to monitor and prevent conflicts of interest in the operations of the Company and the activities of management and directors.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Audit
Committee</i></b>. The Audit Committee monitors the Company&#8217;s financial risks through regular reviews of the Company&#8217;s financial
activities with management and internal and external auditors. This committee also receives reports from the management-level Disclosure
Review Committee, which works to reduce the risk of inaccurate financial reporting through its review of the Company&#8217;s quarterly
and annual financial reports and disclosure controls and procedures.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Nomination/Governance
Committee. </i></b>The Nomination/Governance Committee monitors the Company&#8217;s governance risk by regular reviews with management,
including monitoring any circumstances that could potentially jeopardize the independence of directors or objectivity of management.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Compensation
Committee.</i></b> The Compensation Committee monitors potential risks created by the Company&#8217;s compensation policies and practices
through regular reviews with management and through consulting regularly with an independent compensation consultant without management
present. This committee also oversees human resources initiatives intended to reduce the risk of workplace discrimination and harassment
incidents.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors&#8217; role in risk oversight is consistent with the Company&#8217;s leadership structure with the President and Chief
Executive Officer and other members of senior management, including our Chief Risk and Compliance Officer, having responsibility for
assessing and managing the Company&#8217;s risk exposure, and the Board of Directors and its Committees providing oversight in connection
with these efforts.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Environmental,
Social and Corporate Governance (ESG) and Corporate Sustainability</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Board of Directors and our management are committed to ensuring Ocwen has responsible practices to address the needs of its customers,
employees and the communities it serves. While the Board has delegated oversight of management&#8217;s ESG initiatives to the Compensation
Committee, the full Board is briefed regularly on the Company&#8217;s ESG-related activities and metrics. Our comprehensive approach
to ESG and corporate sustainability is detailed in our report &#8220;Environmental, Social and Corporate Governance (ESG) and Corporate
Sustainability&#8221; on our website at <span style="text-decoration: underline">www.ocwen.com</span> in the &#8220;Shareholders&#8221; section under &#8220;Corporate Governance.&#8221;
Our approach is represented by the following policies and programs:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Policy
on non-discrimination. </i></b>Ocwen&#8217;s non-discrimination policy provides equal employment opportunities for all qualified individuals
without discrimination based upon the following legally protected characteristics: race, religious creed, color, national origin, ancestry,
physical or mental disability, medical condition, genetic information, marital status (including registered domestic partnership status),
sex (including pregnancy, childbirth, lactation and related medical conditions), gender (including gender identity and expression), age
(40 and over), sexual orientation, Civil Air Patrol status, military and veteran status and any other consideration protected by federal,
state or local law (collectively referred to as &#8220;protected characteristics&#8221;). Underlying this policy is Ocwen&#8217;s culture
and values, including employees&#8217; rights to be free from unlawful discrimination, and its commitment to providing a safe, secure
and productive work environment.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen&#8217;s
hiring, salary administration, promotion and transfer policies are based solely on job requirements, job performance and job-related
criteria. In addition, every effort is made to ensure that Ocwen&#8217;s personnel policies and practices (including those relating to
compensation, benefits, transfer, retention, termination, training and self-development opportunities, as well as social and recreational
programs) are administered without discrimination on the basis of any legally protected characteristic.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Promoting
equal opportunity and diversity. </i></b>Ocwen is committed to providing equal opportunity in all areas of employment, compensation,
training and promotion. Company policies prohibit discrimination of any form in all of the locations in which Ocwen operates. Ocwen strives
to foster an environment in which all stakeholders can participate and contribute to the success of the organization&#8217;s enterprise,
taking full advantage of the collective sum of individual differences, life experiences, inventiveness, self-expression and unique capabilities,
knowledge and talent. Our Diversity, Equity and Inclusion Council, which was formed in 2015, is comprised of leaders from different areas
of the Company including our Chief Diversity and Inclusion Officer and helps guide our approach in key areas including Leadership, Workforce,
Vendor Diversity and Community Engagement. Diversity, Equity and Inclusion updates are provided to the Executive Leadership Team on a
monthly basis and to the Board of Directors as necessary. Ocwen&#8217;s Global Diversity, Equity and Inclusion Policy is reviewed on
an annual basis and diversity, equity and inclusion training is provided to all employees globally.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
2023, several Ocwen women leaders were recognized for their contributions to the mortgage industry and furthering homeownership. Our
Chief Risk and Compliance Officer was recognized in HousingWire&#8217;s 2023 &#8220;Women of Influence&#8221; list and five women employees
were nominated for Five Star&#8217;s 2023 Women in Housing Leadership Awards. Additionally, our India team was recognized as one of the
2023 Top Employers for LGBTQ+ Inclusion by the India Workplace Equality Index, an honor that reflects our deep commitment to diversity,
equity and inclusion.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen
utilizes affinity groups, of which more than 2,200 employees are members, to help support employee development and drive inclusion, including
18 employee events globally:</span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Ocwen Global Women&#8217;s Network (OGWN) supports recruitment, development and retention initiatives for women across the organization,
    and serves as a sounding board for business insights, and supports the attainment of company goals in diversity, inclusion and talent
    development. Integrating Diversity, Equity and Inclusion into Ocwen&#8217;s culture is critical for our success and allows us to
    make the most of the full range of our talent.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>LEAP</b>,
    which stands for Leading with Education Action and Purpose, has the mission to educate Ocwen employees globally about Black culture
    and the Black experience to increase inclusion across the organization. LEAP also enhances the professional development of Black
    employees through formal and informal mentoring, networking, learning opportunities and leadership development.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    mission of <b>FREE</b>, which stands for Freedom, Respect, Expression and Equality, is to create a safe, inclusive and affirming
    office climate that fosters professional and personal growth for employees of&#8239;all genders and sexualities through education,
    advocacy, outreach and support. FREE promotes a fully equitable&#8239;environment that is free of judgment and strives for knowledge,
    challenges barriers, and seeks to help and empower LGBTQ+ employees and allies.</span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Commitment
to Ethics.</i></b> We have adopted a robust Code of Business Conduct and Ethics that applies to all employees and our Board of Directors,
as well as an additional Code of Ethics for Senior Financial Officers that applies to our Chief Executive Officer, Chief Financial Officer,
and Chief Accounting Officer. We provide multiple anonymous methods for any employee or other person to report a suspected ethical violation,
including whistleblower complaints relating to accounting, internal controls, audit matters or securities law, and our policies prohibit
retaliation against any person for making a good faith complaint. We also provide methods for interested individuals to contact the members
of our Board of Directors and communicate directly with the Chair of our Audit Committee. Our General Counsel serves as our Chief Ethics
Officer and works with members of our Internal Audit function to ensure every ethics complaint and communication to our Board is addressed
in accordance with our company policies.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Benefits.
</i></b>Ocwen&#8217;s benefits programs strive to keep employees productive and engaged at work by serving the total well-being of employees&#8217;
and their families&#8217; physical, mental and financial health. In the U.S., our comprehensive benefits plan includes company-sponsored
medical, dental and vision; company-paid basic life, accident and disability coverage; 401(k) with company match; and supplemental group
coverage for critical illness, accident, auto, home, pet, legal, identity protection, childcare/eldercare and tutoring. The medical plans
include 100% coverage for all preventive care services and all generic preventive medications.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
wellness programs offer incentives for completing preventive health screenings, participating in online and telephonic health coaching,
improving or reaching targeted health scores, and increasing physical activity. Additionally, we provide employees with a comprehensive
employee assistance program that includes virtual counseling, personalized health coaching for diabetes and other chronic conditions,
stress management and financial planning workshops, online guided meditation and yoga, and more. Ocwen also provides a generous paid
time off (PTO) program to support employees&#8217; need to rest and recharge. Our medical and family leave programs offer paid disability
absences and paid parental/adoption leave, in addition to FMLA-required schedule flexibility and job security. Outside the U.S., our
employee benefit programs provide comparable and market appropriate benefits focused on supporting our employees well-being and retirement
needs.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Training
and development.</i></b> Ocwen is committed to providing our employees with high-quality training and learning experiences targeted to
increase industry knowledge levels, improve process efficiency and promote personal growth, which in turn helps improve customer experience,
reduce foreclosures and contribute to our success as an organization. Ocwen facilitates professional development through the lifecycle
of employees through functional business training, regulatory and compliance training, and skill and competency development programs.
We also provide individualized one-on-one coaching to help customer-facing staff guide customers to positive experiences. In addition
to learning programs designed to build functional and leadership competency for all levels of leadership throughout the organization,
Ocwen offers a Leadership Development Training curriculum specifically designed to prepare employees at the Supervisor level and above
with the competencies to make them successful in their roles as leaders. Training courses are housed in our continuously reviewed and
updated learning management system.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
training and development programs are important contributors to our ability to deliver industry-leading customer service. Over the past
few years, Ocwen&#8217;s subsidiary PHH Mortgage Corporation (PHH) has been recognized for servicing excellence through Freddie Mac&#8217;s
SHARP<sup>SM</sup> and Fannie Mae&#8217;s STAR<sup>TM</sup> awards and HUD&#8217;s ranking.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Community
development.</i></b> At Ocwen, we believe homeownership is an important part of achieving financial independence, and our philosophy
in this regard is &#8220;helping homeowners is what we do.&#8221; This philosophy is what guides us in our commitment to the communities
we serve. We organize a variety of community outreach programs and events with local and national organizations around the country to
assist homeowners, particularly in communities of color. Our outreach events began during the 2008 mortgage crisis and have continued
since then. In 2023, we hosted 41 borrower outreach events across the country in partnership with the NAACP and seven HUD certified housing
counseling agencies. In addition, Ocwen partners with several local municipalities around vacant and abandoned properties to mitigate
blight in communities.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
better serve our stakeholders and communities, Ocwen created a Community Advisory Council in 2014, consisting of 15 leaders from a diverse
group of national non-profit organizations, consumer advocacy groups and civil rights organizations, as a platform to collaborate and
share ideas on how to help homeowners. Ocwen provides grants and sponsorship funding to local and national nonprofit organizations each
year, in support of the work they do to help distressed communities and homeowners. Over the past four years, Ocwen has contributed over
$6 million to these organizations, and nearly $28 million since 2012.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additionally,
Ocwen&#8217;s subsidiary PHH formed a community partnership with the National Association of Mortgage Brokers (NAMB) to develop and provide
a new reverse mortgage certification program to NAMB&#8217;s members. The success of this training program resulted in PHH being named
a 2023 Affiliate Company of the Year by NAMB.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Charitable
activity.</i></b> Ocwen continues to find meaningful ways to give back to the communities where we live and work. The charitable events
at our office locations around the globe included distributing meals and supporting local food banks, helping economically disadvantaged
children and at-risk youth, helping schools for hearing-impaired children, holding toy drives and back-to-school supply drives, helping
the homeless, supporting victims of crimes, providing financial assistance to families impacted by cancer, making donations to first
responders, helping communities impacted by the pandemic with donations and medical equipment, hosting blood drives through the American
Red Cross and making donations to the Mortgage Bankers Association&#8217;s (MBA) Opens Doors Foundation to help families with a critically
ill or injured child.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Responsible
information security management. </i></b>Ocwen maintains a comprehensive information security program designed to safeguard the confidentiality,
integrity and availability of its data and information systems. Ocwen&#8217;s Board of Directors is consistently updated on information
security risks, which are managed through a strategic blend of policies, advanced tools and technologies, and continuous staff awareness
initiatives. Ocwen&#8217;s cybersecurity controls are structured around a multi-layered defense-in-depth strategy designed to protect
the integrity of the network against potential breaches.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
workforce undergoes regular training to recognize, avert, and report cybersecurity risks and incidents. In parallel, Ocwen&#8217;s third-party
risk management program assesses and supervises the information security practices of our vendors. It is mandatory for all third-party
vendors who handle data processing on our behalf to uphold a well-documented information security program that aligns with our strict
security standards.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen&#8217;s
readiness for and responsiveness to cyber threats are regularly evaluated through various assessments. These include both internal and
external vulnerability assessments, penetration testing, incident response table-top exercises, and breach readiness and response drills.
For more detailed information regarding Ocwen&#8217;s approach to information security risk management, see &#8220;Item 1C. Cybersecurity&#8221;
of the Annual Report included with these proxy materials.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Environmental
Impact.</i></b> In 2023, Ocwen continued its commitment to operate through a primarily remote working model, reducing the percentage
of employees commuting daily to the office. Fewer associates in the offices afforded the opportunity to reduce our office footprint in
several markets. As office space footprints were reduced, improvements were made to retrofit lighting and equipment to lower our use
of natural resources. Recycling of office and paper products in all U.S. facilities continues to be a priority, which reduces our imprint
on the local landfills. In addition, we continue to reduce paper mailings to customers through our digital mailing service, electronic
notice delivery and process automations.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>BOARD
OF DIRECTORS COMPENSATION</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table discloses compensation received for fiscal year 2023 by each member of our Board of Directors who was not employed by
us or one of our subsidiaries and who served as a director during fiscal year 2023 (our non-management directors).</span></p>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; text-align: justify; font-weight: bold">Name</td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fees Earned</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Or Paid in Cash</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="text-align: center">&#160;</td><td style="text-align: center">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">98,000</td><td style="width: 2%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Alan J. Bowers</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">120,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">235,500</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">123,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">120,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">243,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Phyllis R. Caldwell</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">98,250</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">120,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">218,250</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">DeForest B. Soaries, Jr.</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">120,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">274,522</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Kevin Stein</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">157,833</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">120,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">277,833</td><td style="text-align: left">&#160;</td></tr>
  </table>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amounts
    reported for stock awards represent the aggregate grant date fair value of awards granted during fiscal year 2023 under the 2021
    Equity Incentive Plan, as amended (the 2021 Plan) computed in accordance with Financial Accounting Standards Board (FASB) Accounting
    Standards Codification (ASC) Topic 718. We based the grant date fair value of stock awards on the closing price of our common stock
    on the New York Stock Exchange on the date of grant of the awards.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
    May 23, 2023, our non-management directors received equity awards under the 2021 Plan for their service for the 2023-2024 term. Each
    award had a grant date fair value totaling $120,000 (with immaterial incremental value resulting from rounding to the next whole
    share). Each director received 4,424 restricted stock units (RSUs) vesting May 23, 2024, in the event each director attends at least
    75% of applicable Board and committee meetings.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    non-management directors have no shares subject to option awards or other equity awards outstanding as of December 31, 2023, other
    than the RSUs issued May 23, 2023, except the following issued in prior service years to directors deferring their equity compensation
    pursuant to the Deferral Plan for Directors: Dr. Soaries holds 4,981 RSUs deliverable six months following the termination of his
    service and Ms. Caldwell holds, 2,383 RSUs deliverable six months following the termination of her service.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dr.
    Soaries&#8217; cash compensation included the payment of $60,022 deferred during the 2016-2017 service year pursuant to the Deferral
    Plan for Directors.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee has the responsibility for determining the form and amount of compensation for our non-management directors. Mr.
Messina, our management director, does not receive an annual retainer or any other compensation for his service on the Board of Directors.
Non-management directors receive the following compensation for their services on the Board of Directors.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Cash
Compensation</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
support of the Company&#8217;s cost-cutting initiatives, the Board determined in 2022 to reduce the fees payable for Board service, including
reductions in the retainers payable for service as Chair or member of the Board, the Chair or member of the Compensation Committee and
member of the Nomination/Governance Committee. In keeping with our continued commitment to cost-cutting, we maintained our reduced fee
structure in 2023 and our non-management directors received the following cash compensation, payable in quarterly installments (except
as noted below):</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">a
    retainer of $72,000;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
    additional $15,000 to the Nomination/Governance Committee Chair; </span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
    additional $12,500 to all Audit Committee and Risk and Compliance Committee members (other than the Chairs);</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
    additional $10,000 to all Compensation Committee members (other than the Chair); and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">an
    additional $7,500 to all Nomination/Governance Committee members (other than the Chair).</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Stein, our Lead Independent Director, did not receive compensation for his service as Risk and Compliance Committee Chair in 2023. Effective
for 2024, Lead Independent Director fees will be reduced to $50,000 and Mr. Stein will receive an additional $25,000 for service as Risk
and Compliance Committee Chair.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition, our non-management directors other than the Lead Independent Director received fees of $1,000 per meeting for each meeting
in excess of eight meetings of the Board of Directors and each applicable committee per year.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Messina does not receive additional compensation for service as either a director or as the Chair of our Board.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Equity
Compensation</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
our 2023 Annual Shareholder Meeting, our shareholders approved Amendment No. 2 to the 2021 Equity Incentive Plan (as amended, the 2021
Plan). Following the 2023 Annual Shareholder Meeting, each non-management member of the Board of Directors was granted an award of restricted
stock units (RSUs) under the 2021 Plan with a grant date fair value of $120,000 (rounded to the next whole share). The RSUs vest on the
one-year anniversary of grant if the director has attended 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. Upon vesting, the shares of common stock underlying the RSUs will be
issued to the director unless the director has elected to defer delivery in accordance with the Deferral Plan for Directors, as described
below. In the event that the director has attended less than an aggregate of at least 75% of all such meetings, such director&#8217;s
right to ownership will vest on a pro rata basis according to the director&#8217;s actual attendance percentage, with the remaining shares
forfeited. RSUs are generally non-transferable, confer no voting rights in the underlying shares prior to delivery, and no adjustments
will be made for dividends for which the record date is prior to the date of issuance of such shares.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
our 2024 Annual Shareholder Meeting on May 28, 2024, each non-management member of the Board of Directors serving for the 2024-2025 Board
term will be granted an equity award under the 2021 Plan with a grant date fair value of $120,000 (rounded to the next whole share),
subject to their election to defer, as described further below. This grant is not dependent on approval of the 2021 Plan Amendment.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Director
Compensation Alignment with Shareholder Value Creation</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
equity component of our director compensation program aligns the compensation of our directors directly with long-term shareholder value
creation. The table below reflects the strong incentive created by our director compensation program to ensure our directors&#8217; compensation
is aligned with shareholder value creation. The table below shows the total equity holdings, excluding stock options, of each of our
directors as of March 31, 2024, including shares of common stock beneficially owned and vested and unvested restricted stock units. The
table provides the value of those shares and restricted stock units based on the closing price of our stock on March 31, 2024 and an
illustrative diluted book value per share based on our publicly reported book value as of December 31, 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Value
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">789,286</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,367,590</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">1,086,288</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,882,202</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">1,102,386</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">36,607</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">988,755</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">29,222</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">789,286</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,367,590</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-weight: bold">TOTAL</td><td style="font-weight: bold">&#160;</td>
    <td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold; text-align: right">207,468</td><td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold">&#160;</td>
    <td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold; text-align: right">5,603,710</td><td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold">&#160;</td>
    <td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold; text-align: right">9,709,503</td><td style="font-weight: bold; text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify; text-indent: 9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    equity includes shares of common stock beneficially owned by each director serving on the Board of Directors at March 31, 2024 plus
    unvested restricted stock units. As noted above, restricted stock units valued at $120,000 are granted each year to our directors
    following our annual meeting of shareholders and vest on the first anniversary of the grant date, unless the director attended less
    than 75% of all meetings of the Board of Directors during that year, in which case the restricted stock units will be pro-rated based
    on the director&#8217;s actual attendance percentage, with the remainder forfeited. Accordingly, it is possible that all of the restricted
    stock units shown in the table above may not fully vest. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;Shares
    Vested&#8221; represents shares beneficially owned and shares underlying restricted stock units that have vested and are subject
    to deferred delivery under our Deferral Plan for Directors, described above. &#8220;Shares Unvested&#8221; represent restricted stock
    units granted to a director that have not vested as of March 31, 2024. As of March 31, 2024, each of our directors held 4,424 unvested
    restricted stock units.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculations
    are based on share price as of March 28, 2024, the last closing price prior to March 31, 2024, and equity holdings as of March
    31, 2024. Our future stock price may vary materially from the closing price shown in the table. The closing price per share of our
    common stock on April 11, 2024 was $24.40 per share.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculations
    are based on March 31, 2024 equity holdings and fully diluted book value per share. Fully diluted book value per share is calculated
    based on the Company&#8217;s most recent publicly reported book value of $401.8 million at December 31, 2023 and 9,230,269 shares,
    comprised of 7,784,253 shares outstanding and 1,446,016 warrants held by Oaktree as of March 31, 2024. See &#8220;Business Relationships
    and Related Transactions &#8211; Relationship with Oaktree&#8221;, below. Assumes cashless exercise of Oaktree warrants using 10-day
    average of Volume Weighted Average Price (10 days ending on preceding day of exercise) on March 31, 2024 of $25.54. Does not give
    effect to issuance of shares underlying vested and unvested restricted stock units shown in table or stock options with strike prices
    above current trading prices.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
total shares owned and outstanding units granted to non-management directors as of March 31, 2024 represents 2.7% of the diluted weighted
average number (7,635,584) of shares of the Company&#8217;s common stock issued and outstanding in the 2023 fiscal year.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Deferral
Plan for Directors</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Ocwen Financial Corporation Deferral Plan for Directors 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 (or, in the case of directors appointed between annual meetings, within 30 days of appointment),
the non-management directors make an election to defer delivery of either all or a portion of the equity portion of their annual compensation
for the following grant year. Directors electing to defer receipt of equity will become vested in the shares underlying a deferred equity
award and will receive dividend equivalents to the same extent as they would if the original award had not been deferred.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
director electing deferral must specify the payment date at the time of election for any shares underlying a deferred award as either
(i) the six-month anniversary of the director&#8217;s termination date or (ii) any other date elected by the director which is at least
two years after the last day of the year of service for which the compensation was awarded. At least thirty 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 shares underlying the deferred equity award, or (ii) the shares of common stock underlying the deferred equity award.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Other
Compensation Matters</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director
compensation may be prorated for a director serving less than a full one-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 performing their duties, including attending meetings of the Board of Directors and its committees. Director compensation is subject
to review and adjustment by the Compensation Committee from time to time.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EXECUTIVE
OFFICERS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth certain information with respect to each person who currently serves as one of our executive officers. Our
executive officers are appointed 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 the appointment of any person 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 24%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Name</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center; width: 8%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Age<sup>(1)</sup></b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 64%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Position<sup>(1)</sup></b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Glen
    A. Messina</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">62</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">President
    and Chief Executive Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    W. Anderson</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Servicing Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jenna
    D. Evans</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Risk and Compliance Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Francois
    Grunenwald</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">53</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior
    Vice President and Chief Accounting Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sean
    O&#8217;Neil</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Financial Officer </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">J.
    Andrew Peach</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President, Originations and Chief Lending Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph
    J. Samarias</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">52</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President, Chief Legal Officer and Company Secretary</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aaron
    D. Wade</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">53</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Investment Officer </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dennis
    Zeleny</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">68</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Administrative Officer </span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All age and position information set forth herein is as of
April 12, 2024.</span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
principal occupation for at least the last five years, as well as certain other biographical information, for each of our executive officers
who is not a director is set forth below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Scott
W. Anderson.</i></b> Mr. Anderson has served as Executive Vice President and Chief Servicing Officer since 2009, and his career with
Ocwen has spanned over twenty years. Prior to his current role, he served as Senior Vice President, Residential Assets since November
2001. Prior to joining Ocwen in November 1993, Mr. Anderson was employed by CIGNA. He holds a Bachelor of Arts in Economics from Bowdoin
College.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Jenna
D. Evans</i></b>. Ms. Evans has served as Executive Vice President and Chief Risk and Compliance Officer since October 2022. She also
continues to serve as Deputy General Counsel in charge of Regulatory Affairs, a role she has held since October 2016. Prior to joining
Ocwen in February 2013, Ms. Evans served as in-house regulatory compliance counsel at GMAC Mortgage, LLC. Earlier in her career, she
spent six years in private practice, during which she represented regional banks and other financial services companies. Ms. Evans also
serves as the Executive Sponsor of the Ocwen Global Women&#8217;s Network, an affinity group aimed at supporting the development of female
employees. She holds a Bachelor of Arts degree in Public Relations from Pennsylvania State University, a Juris Doctor from Temple University,
and is licensed to practice law in both Pennsylvania and New Jersey.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Francois
Grunenwald</i></b>. Mr. Grunenwald has served as our Senior Vice President and Chief Accounting Officer since August 2019. Prior to joining
Ocwen, he spent the prior 20 years at PricewaterhouseCoopers, where he served in various accounting and financial advisory roles with
a focus on financial services clients, including for the last 12 years as a Partner. Mr. Grunenwald is a Certified Public Accountant
and holds a Master&#8217;s degree in Finance and Banking from the University of Paris II Panth&#233;on-Assas.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Sean
B. O&#8217;Neil</i></b>. Mr. O&#8217;Neil has served as Executive Vice President and Chief Financial Officer since June 2022. From 2015
until joining Ocwen, Mr. O&#8217;Neil served as Chief Financial Officer of Bayview Asset Management, LLC. Prior to 2015, he held a number
of senior positions at financial institutions, including serving as Group Financial Officer for Wells Fargo, Eastern Community Bank and
as Chief Financial Officer for Wachovia&#8217;s Wealth Management Group. Mr. O&#8217;Neil began his career as a submarine officer in
the U.S. Navy. He holds a Master of Business Administration degree from Harvard University and a Bachelor of Science degree in Mechanical
Engineering from Pennsylvania State University.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>J.
Andrew Peach</i></b>. Mr. Peach has served as Executive Vice President, Originations and Chief Lending Officer since April 2024. From
March 2021 through April 2024, he served as Senior Vice President, Correspondent Lending and Business-to-Business Lending, including
serving as interim head of Originations from January 2024. Prior to joining Ocwen, Mr. Peach served as Senior Vice President, Correspondent
Sales at Mr. Cooper Group from August 2020 through March 2021 and as President and Chief Executive Officer at Waterstone Mortgage Corporation
from August 2019 through July 2020. Earlier, he held senior positions at Pacific Union Financial, JP Morgan Chase, Aurora Loan Services
and Bank of America. He holds a Bachelor of Science degree in Finance and Marketing from the University of South Carolina.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Joseph
J. Samarias</i></b>. Mr. Samarias has served as Executive Vice President and Chief Legal Officer since April 2019. He previously served
as Senior Vice President, Deputy General Counsel of Ocwen since 2013. He also serves as the Company&#8217;s Chief Ethics Officer, and
was appointed Company Secretary in April 2020. Prior to joining Ocwen, from 2009 to 2013, Mr. Samarias was a senior attorney with the
Treasury Department&#8217;s Office of Financial Stability (OFS). From 2012 to 2013, he served as Chief Counsel of OFS where he was responsible
for directing all legal activities of the Troubled Asset Relief Program, and served as the chief legal advisor to the Assistant Secretary
for Financial Stability. Prior to his government service, Mr. Samarias was a litigator with several international law firms from 1997
to 2009. He holds a Bachelor of Arts from Vanderbilt University, a Juris Doctor from Washington University School of Law, and is a member
of the bars of the Commonwealth of Virginia and the District of Columbia, as well as a Florida Authorized House Counsel, and a New Jersey
In-House Counsel.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Aaron
D. Wade</i></b>. Mr. Wade has served as Executive Vice President, Chief Investment Officer since December 2022. Previously he served
as Ocwen&#8217;s Executive Vice President, Capital Markets since April 2022. From October 2018 until joining Ocwen, Mr. Wade served as
Managing Director for various Blackstone portfolio companies, where he was responsible for business development, due diligence, transaction
management and servicer oversight for the residential division of Blackstone&#8217;s real estate debt business. From 2009 through 2018,
he served as Executive Vice President of Mortgage and SBA Lending and Capital Markets for OneWest Bank. Earlier, he managed the capital
markets function for IndyMac Bank and LaSalle Bank. Mr. Wade holds a Bachelor&#8217;s degree in Business Economics from University of
California, Los Angeles.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Dennis
Zeleny</i></b><i>.</i> Mr. Zeleny has served as Executive Vice President and Chief Administrative Officer since August 2019. In that
capacity, he oversees Ocwen&#8217;s human resources, communications, information technologies, international operations, facilities,
sourcing, enterprise project management office and diversity and inclusion programs. From January through August 2019, Mr. Zeleny served
Ocwen as a human resources consultant. From 2012 through 2019, Mr. Zeleny provided executive Human Capital consulting services including
as co-CEO of Center on Executive Compensation. He previously held the role of Chief Administrative or Chief Human Resources Officer at
Sunoco, Caremark, and DuPont, oversaw global human resources at Honeywell and served 17 years at PepsiCo. Mr. Zeleny also served on the
Board of HRPA, Cornell ILR Advisory Board, SXL and SCX, NYSE publicly traded companies. He received a Bachelor of Science from Cornell
University and a Master of Science from the Graduate School of Business at Columbia University.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>AND
RELATED SHAREHOLDER MATTERS</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Beneficial
Ownership of Equity Securities</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth certain information regarding the beneficial ownership of our common stock as of April 12, 2024 by:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">each
    of our directors and director nominees;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">each
    named executive officer; and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">all
    of our directors and current executive officers as a group.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
of Ocwen&#8217;s directors, director nominees and named executive officers may be reached through Ocwen Corporate Headquarters at 1661
Worthington Road, Suite 100, West Palm Beach, Florida 33409.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table also sets forth information with respect to each person known by Ocwen to beneficially own more than five percent of
the outstanding shares of its common stock.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table is based upon information supplied to us by directors and executive officers and filings under the Securities Exchange Act of 1934,
as amended, except where noted. We have based our calculation of the percentage of beneficial ownership on 7,809,618 shares of our common
stock outstanding as of April 12, 2024.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font-weight: bold; text-align: right"/><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#160;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left">Directors and Named Executive Officers:</td><td style="padding-bottom: 1.5pt">&#160;</td>
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    <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Alan J. Bowers<sup>(9)</sup></span></td><td>&#160;</td>
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    <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Phyllis R. Caldwell<sup>(12)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">34,007</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">George T. Henley<sup>(13)</sup></span></td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">642</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">31,626</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kevin Stein<sup>(18)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">29,222</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dennis Zeleny<sup>(19)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">13,646</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All Current Directors and Executive Officers as a Group (16 persons)<sup>(20)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">571,820</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Less
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 such common stock within 60 days of April 12,
                                            2024 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, each person has sole voting power and sole investment power with respect to the
                                            reported shares. No shares have been pledged as security by the named executive officers
                                            or directors.</span></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Oaktree
                                            Holdings, LLC (Oaktree): On March 4, 2021, the Company issued 1,184,768 warrants to affiliates
                                            of Oaktree, and on May 3, 2021, the Company issued an additional 261,248 warrants to affiliates
                                            of Oaktree, pursuant to agreements between the Company and affiliates of Oaktree which provide
                                            that the warrants cannot be exercised to the extent that affiliates of Oaktree would beneficially
                                            own in excess of 9.9% of the Company&#8217;s outstanding stock following such issuance (the
                                            Ownership Cap) without 61 days advance notice. Oaktree&#8217;s beneficial ownership is reported
                                            in the table above as the Ownership Cap as of April 12, 2024, which is based on an aggregate
                                            of 8,667,723 shares of the Company, consisting of (i) 7,809,618 of the Company&#8217;s shares
                                            outstanding as of April 12, 2024 and (ii) warrants to purchase 858,105 of the Company&#8217;s
                                            shares. Oaktree Holdings, LLC jointly filed a Schedule 13G/A with the Securities and Exchange
                                            Commission on February 14, 2024, reporting securities deemed to be beneficially owned as
                                            of December 31, 2023, representing the number of shares it would own under the Ownership
                                            Cap based on the number of shares of common stock of the Company outstanding as of December
                                            31, 2023, with the following Reporting Persons: Opps OCW Holdings, LLC, a Delaware limited
                                            liability company (Opps OCW Holdings), in its capacity as the direct owner of an aggregate
                                            of shares and warrants exercisable to the extent of the Ownership Cap; ROF8 OCW MAV PT, LLC,
                                            a Delaware limited partnership (ROF8), in its capacity as the direct owner of an aggregate
                                            of shares and warrants exercisable to the extent of the Ownership Cap; Oaktree Fund GP, LLC,
                                            a Delaware limited liability company (Fund GP), in its capacity as the manager of Opps OCW
                                            Holdings and ROF8; Oaktree Fund GP I, L.P., a Delaware limited partnership (GP I), in its
                                            capacity as the managing member of Fund GP; Oaktree Capital I, L.P., a Delaware limited partnership
                                            (Capital I), in its capacity as the general partner of GP I; OCM Holdings I, LLC, a Delaware
                                            limited liability company (Holdings I), in its capacity as the general partner of Capital
                                            I; Oaktree Holdings, LLC, a Delaware limited liability company (Holdings) in its capacity
                                            as the managing member of Holdings I; Oaktree Capital Group, LLC, a Delaware limited liability
                                            company (OCG), in its capacity as the indirect manager of Opps OCW Holdings and ROF8; Oaktree
                                            Capital Group Holdings GP, LLC, a Delaware limited liability company (OCGH GP), in its capacity
                                            as the indirect owner of the class B units of OCG; Brookfield Corporation., an Ontario corporation
                                            (BAM), in its capacity as the indirect owner of the class A units of OCG; and BAM Partners
                                            Trust, a trust established under the laws of Ontario (BAM Partnership), in its capacity as
                                            the sole owner of Class B Limited Voting Shares of BAM. The principal business address of
                                            each of the Reporting Persons other than BAM, BAM Partnership and BAM Partners is 333 S.
                                            Grand Avenue, 28th Floor, Los Angeles, CA 90071. The principal business address of BAM, BAM
                                            Partnership and BAM Partners is Brookfield Place, Suite 300, 181 Bay Street, P.O. Box 762,
                                            Toronto, Ontario, Canada M5J 2T3.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Long
                                            Focus Capital Management, LLC: Based solely on information contained in a Schedule 13G/A
                                            filed with the Securities and Exchange Commission on February 14, 2024 reporting securities
                                            beneficially owned as of December 31, 2023, by Long Focus Capital Management, LLC (LFCM LLC),
                                            a Delaware single member limited liability company; Long Focus Capital Master, LTD. (LFCM
                                            LTD), a Cayman Islands limited company; Condagua, LLC, a Delaware single member limited liability
                                            company; John B. Helmers, a United States citizen; and A. Glenn Helmers, a United States
                                            citizen, each of LFCM LLC and John B. Helmers reports shared voting and dispositive power
                                            of 652,088 shares, LFCM LTD reports shared voting and dispositive power of 309,964 shares,
                                            and each of Condagua, LLC and A. Glenn Helmers reports shared voting and dispositive power
                                            of 342,124 shares. LFCM LLC, John B. Helmers and A. Glenn Helmers directly own no common
                                            stock. Pursuant to an investment management agreement, LFCM LLC maintains investment and
                                            voting power with respect to the securities held by LFCM LTD. John B. Helmers controls LFCM,
                                            LLC, and has investment and voting power with respect to Condagua, LLC. A. Glenn Helmers
                                            controls Condagua, LLC.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Amster: Based solely on information contained in a Schedule 13D/A filed with the Securities
                                            and Exchange Commission on January 25, 2023 reporting securities beneficially owned as of
                                            January 17, 2023, Mr. Amster reports sole voting and dispositive power of 282,920 shares
                                            and shared voting and dispositive power of 333,786 shares, Pleasant Lake Skoien Investments
                                            LLC reports sole voting and dispositive power of 8,818 shares and shared voting and dispositive
                                            power of 607,888 shares; Pleasant Lake Apts. Limited Partnership reports sole voting and
                                            dispositive power of 31,700 shares and shared voting and dispositive power of 585,006 shares;
                                            Howard Amster 2019 Charitable Remainder Unitrust #1 reports sole voting and dispositive power
                                            of 1,692 shares and shared voting and dispositive power of 615,014 shares; Howard Amster
                                            2019 Charitable Remainder Unitrust #2 reports sole voting and dispositive power of 439 shares
                                            and shared voting and dispositive power of 616,267 shares; Howard Amster 2019 Charitable
                                            Remainder Unitrust #5 reports sole voting and dispositive power of 5,635 shares and shared
                                            voting and dispositive power of 611,071 shares; Amster Limited Partnership reports sole voting
                                            and dispositive power of 13,650 shares and shared voting and dispositive power of 603,056
                                            shares; Laughlin Holdings LLC reports sole voting and dispositive power of 38,377 shares
                                            and shared voting and dispositive power of 578,329 shares; Ramat Securities Ltd. reports
                                            sole voting and dispositive power of 199,007 shares and shared voting and dispositive power
                                            of 417,699 shares; Pleasant Lakes Apartments Corp. reports sole voting and dispositive power
                                            of 157 shares and shared voting and dispositive power of 616,549 shares; Howard Amster 2019
                                            Charitable Remainder Unitrust #3 reports sole voting and dispositive power of 34,262 shares
                                            and shared voting and dispositive power of 582,444 shares; and Howard Amster Charitable Remainder
                                            Unitrust U/A DTD 04/22/1998 reports sole voting and dispositive power of 49 shares and shared
                                            voting and dispositive power of 616,657 shares.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(5)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deer
                                            Park Road Management Company, LP: Based solely on information contained in a Schedule 13G/A
                                            filed with the Securities and Exchange Commission on February 14, 2024, reporting securities
                                            deemed to be beneficially owned as of December 31, 2023, by Deer Park Road Management Company,
                                            LP (Deer Park); Deer Park Road Management GP, LLC (DPRM); Deer Park Road Corporation (DPRC);
                                            Michael Craig-Scheckman; AgateCreek LLC (AgateCreek); and Scott Edward Burg, each of which
                                            reports shared voting and dispositive power of 577,921 shares held for the account of STS
                                            Master Fund, Ltd. (STS Master Fund), which is an exempted company organized under the laws
                                            of the Cayman Islands. Deer Park serves as investment adviser to the STS Master Fund and,
                                            in such capacity, exercises voting and investment power over the shares held in the account
                                            for the STS Master Fund. DPRM is the general partner of Deer Park. Each of DPRC and AgateCreek
                                            is a member of DPRM. Mr. Craig-Scheckman is the Chief Executive Officer of each of Deer Park
                                            and DPRC and the majority owner of DPRC. Mr. Burg is the Chief Investment Officer of Deer
                                            Park and the sole member of AgateCreek.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(6)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">BlackRock,
                                            Inc.: Based solely on information contained in a Schedule 13G filed with the Securities and
                                            Exchange Commission on February 6, 2024, reporting securities deemed to be beneficially owned
                                            as of December 31, 2023, by BlackRock, Inc. Pursuant to the Schedule 13G, BlackRock, Inc.
                                            has sole voting power of 473,456 shares and sole dispositive power of 482,146 shares and
                                            is reporting beneficial ownership of the shares as the parent holding company or control
                                            person of Aperio Group, LLC, BlackRock Advisors, LLC, BlackRock Fund Advisors, BlackRock
                                            Institutional Trust Company, National Association, BlackRock Financial Management, Inc. and
                                            BlackRock Investment Management, LLC.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(7)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Sella: Based solely on information contained in a Schedule 13G/A filed with the Securities
                                            and Exchange Commission on February 6, 2020 reporting securities beneficially owned as of
                                            December 31, 2019, Mr. Sella reports sole voting and dispositive power with respect to 432,028
                                            shares, consisting of 409,289 shares held of record by Roberto Marco Sella and 22,739 shares
                                            held of record by LL Charitable Foundation, of which Mr. Sella serves as President. Mr. Sella
                                            reports shared voting and dispositive power with respect to 22,739 shares held of record
                                            by the Roberto Sella 2012 Family Trust (the Trust). Francine Sella, Mr. Sella&#8217;s spouse,
                                            and Mr. Sella&#8217;s minor children are beneficiaries of the Trust. Francine Sella is a
                                            co-trustee of the Trust and in such capacity, Francine Sella has voting power over and power
                                            to dispose of the 22,739 shares of Common Stock held by the Trust. Mr. Sella is not a beneficiary
                                            of the Trust.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(8)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Anderson serves as Executive Vice President and Chief Servicing Officer. Includes shares
                                            underlying 3,685 options which are presently exercisable and 1,125 options which could become
                                            exercisable within 60 days of April 11, 2023.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(9)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Bowers serves as a director. Includes shares underlying 4,424 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(10)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dr.
                                            Britell serves as a director. Includes shares underlying 4,424 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.
                                            Also includes 3,000 shares held by trust.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(11)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Busquet serves as a director. Includes shares underlying 4,424 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.
                                            Also includes 1,000 shares held jointly with spouse.</span></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(12)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms.
                                            Caldwell serves as a director. Does not include shares underlying 2,383 vested RSUs and 4,424
                                            RSUs which will vest May 23, 2024 subject to certain conditions, in each case which are not
                                            settleable until the six-month anniversary of the director&#8217;s termination of service.
                                            Ms. Caldwell is not standing for re-election.</span></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(13)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Henley served as Executive Vice President and Chief Growth Officer through December 31, 2023.
                                            All shares held jointly with spouse.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(14)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms.
                                            Merkle serves as a director. Consists of shares underlying 642 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.
                                            Ms. Merkle joined the Board April 1, 2024.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(15)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Messina serves as Chair of the Board, President, and Chief Executive Officer. Includes shares
                                            underlying 17,799 options which are presently exercisable. Also includes 23,554 shares held
                                            jointly with spouse.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(16)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            O&#8217;Neil serves as Executive Vice President and Chief Financial Officer.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(17)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dr.
                                            Soaries serves as a director. Includes shares underlying 4,424 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.
                                            Does not include 4,981 shares underlying vested RSUs which are not settleable until the six-month
                                            anniversary of the director&#8217;s termination of service.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(18)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Stein serves as a director. Includes shares underlying 4,424 RSUs which will vest May 23,
                                            2024 subject to certain conditions relating to the individual&#8217;s service as a director.
                                            Also includes 24,798 shares held by trust.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(19)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Zeleny serves as Executive Vice President and Chief Administrative Officer.</span></td></tr></table>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(20)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes
                                            19,484 shares and shares underlying 728 stock options which are presently exercisable held
                                            by Jenna D. Evans, Francois Grunenwald, J. Andrew Peach, Joseph J. Samarias, and Aaron Wade
                                            who are current executive officers but not Named Executive Officers. Does not include shares
                                            held by Mr. Henley.</span></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Equity
Compensation Plan Information</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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. As of the end of the most recently completed fiscal year, we did not maintain
an equity compensation plan that had not previously been approved by security holders.</span></p>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; text-align: justify; font-weight: bold">Plan Category</td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Number of securities to</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>be issued upon exercise</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>of outstanding options,</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>warrants and rights</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(#)</b><sup>(1)</sup></span></p></td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted average</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>exercise price of</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>outstanding options,</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>warrants and rights</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b><sup>(2)</sup></span></p></td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Number of securities</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>remaining available for</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>future issuance under</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>equity compensation</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>plans</b><sup>(3)</sup></span></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(#)</b></span></p></td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 46%; text-align: left">Equity compensation plans approved by security holders</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">791,595</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">94.46</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">334,763</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Equity compensation plans not approved by security holders</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-weight: bold">Total</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">791,595</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">94.46</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">334,763</td><td style="text-align: left">&#160;</td></tr>
  </table>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes
    34,657 shares subject to outstanding stock option awards and 756,938 shares subject to outstanding restricted stock unit awards (including
    outstanding performance-based restricted stock unit awards, which are presented at their target level of performance).</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculated
    exclusive of outstanding restricted stock unit awards, which do not have an exercise price. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
    shares available for new award grants under the 2021 Plan as of December 31, 2023. Each share issued under the 2021 Plan pursuant
    to an award other than a stock option or other purchase right in which the participant pays the fair market value for such share
    measured as of the grant date, or appreciation right which is based upon the fair market value of a share as of the grant date, shall
    reduce the number of available shares by 1.2. Pursuant to the 2021 Plan, any shares subject to (1) restricted stock and restricted
    stock unit awards or (2) stock options granted under our 2007 Equity Incentive Plan and 2017 Performance Incentive Plan that are
    presently outstanding which are subsequently forfeited, terminated, canceled, or otherwise reacquired by the Company will increase
    the pool of shares available for new awards under the 2021 Plan at the rate of 1.2 shares or 1.0 shares, respectively. Long-term
    incentive awards issued in the form of cash-settled restricted stock units do not reduce available shares under the 2021 Plan. This
    table does not reflect the 350,000 additional shares that will be available for issuance under the 2021 Plan if shareholders approve
    the 2021 Plan Amendment. </span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>LETTER
FROM COMPENSATION COMMITTEE CHAIR</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dear
Fellow Shareholders:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
the following Compensation Discussion and Analysis, we have provided the context and rationale that the Compensation and Human Capital
Committee (Compensation Committee) used in crafting the framework for compensation analysis and determining the compensation for our
named executive officers in 2023.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
mortgage environment in 2023 continued to be challenging due to elevated and volatile interest rates, turmoil in the financial sector and
an uncertain economic climate, which required the management team and our entire employee population to respond to difficult market conditions
with speed and agility. They have taken decisive action to further enhance our cost structure versus prior years while improving customer
satisfaction and maintaining the highest standards of quality and service excellence. At the same time, they continue to drive capital-light
growth in our servicing portfolio, expand capital partner relationships and create a strong foundation to accelerate growth.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Building
a business model and demonstrating the operational excellence and capabilities which will allow Ocwen to achieve GAAP profitability on
a sustained basis regardless of mortgage cycle is the most important priority we hear from shareholders and potential investors. Our
business and operational plan are designed each year to drive this strategy of long-term profitability.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specifically,
in 2023, we set out to execute against our key objectives, each with appropriate metrics and targets as captured in our Corporate AIP
scorecard:</span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Profitability;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prudent
    growth;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increasing
    higher margin products;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Improving
    our cost leadership position;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maintaining
    high-quality operational execution;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maintaining
    an engaged and productive workforce while continuing to make progress on diversity and inclusion; and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Improving
    customer and client satisfaction.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Looking
back, the strength of our balanced and diversified business model and management&#8217;s execution of our key objectives enabled us to
deliver sequential quarter increases to adjusted pre-tax income in each quarter of 2023, excluding our asset recovery transaction in
the second quarter. In 2023, we grew our average servicing portfolio to $292 billion, increased the number of MSR capital partners to
five, doubled the UPB of MSR sales to our capital partners, built a robust subservicing opportunity pipeline, and increased the mix of
higher-margin products to 39% of total originations volume. We continued to improve our servicing cost structure and built a significant
cost advantage with a cost per loan favorable to large non-banks over twice our portfolio size, while delivering improved borrower and
client satisfaction, all through investments in technology, process enhancements, and our global operating capability. Again, we were
honored with Fannie Mae&#8217;s 2023 STAR<sup>TM</sup> award for servicing excellence and achieved Housing and Urban Development (HUD)
Tier 1 servicer ranking. We retired $15 million of corporate debt, consistent with our objective of de-levering the Company, and our
total liquidity as of year-end increased 10.5% from 2022 to $242 billion, preserving capital for growth opportunities at high margin
returns, as well as for additional opportunistic corporate debt retirement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Looking
ahead at what is expected to be a continued high interest rate environment, we have a solid foundation to create value through our broad
originations capabilities and best-in-class servicing platform, which we believe positions us to deliver strong results in 2024 and beyond.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">I
invite you to read the following Compensation Discussion and Analysis for further details on our decisions relating to 2023 compensation,
and we look forward to further shareholder engagement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sincerely,</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jacques
Busquet</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chair,
Compensation and Human Capital Committee</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EXECUTIVE
COMPENSATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Compensation
Discussion and Analysis</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Business
Highlights</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
design and the application of our executive compensation programs support organizational alignment around the achievement of Ocwen&#8217;s
business plan and our performance against that plan. 2023 continued to be challenging year in which interest rates remained at historically
high levels that significantly impacted mortgage originations. Our strong and scalable servicing platform delivered sustained income,
including through our superior special servicing capabilities, while improving cost structure and customer satisfaction levels, delivering
best-in-class operational performance, and maintaining robust risk and compliance metrics. Originations performed strongly despite continued
market headwinds due to a focus on higher margin products and continued reduction in costs per loan despite lower volumes in both the
consumer direct and reverse channels.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Important
business highlights that the management team delivered against include:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Despite
    GAAP net loss of $64 million driven by $89 million reduction in unrealized MSR value change due to rates and assumptions, net of
    hedge, delivered $49 million full year adjusted pre-tax income and 10.1% adjusted pre-tax return on equity.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Grew
    FY 2023 average servicing UPB to $292 billion, an increase of over $10 billion from FY 2022. Built a strong and diverse network of
    MSR capital partner relationships from three to five to drive our capital light growth strategy and doubled the UPB of MSR sales
    to capital partners compared to 2022. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increased
    mix of higher-margin products, including consumer direct, reverse and correspondent GNMA, best efforts and non-delegated, from 21%
    in 2022 to 39% in 2023.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivered
    best-in-class operating performance within our servicing segment, earning Fannie Mae&#8217;s STAR<sup>TM</sup> recognition and HUD
    Tier 1 servicer ranking, both for the third consecutive year, and was named the Affiliate Company of the Year by the National Association
    of Mortgage Bankers.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maintained
    a highly competitive cost structure through technology enhancements, end-to-end process automation, leveraging our significant offshore
    workforce and a continuous focus on cost improvement, reducing operating expenses over $120 million, or 23%, from 2022, and consistently
    delivered lower delinquency levels than the industry average.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increased
    total liquidity, comprised of cash and borrowing capacity available under our debt facilities, by $23 million, or 10%, versus year-end
    2022, even with $15 million senior corporate debt reduction, maintaining our agility to address market opportunities and risks, and
    retire additional debt.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
more information regarding our use of non-GAAP financial measures such as adjusted pre-tax income and their reconciliation to the most
comparable GAAP metric, please see the press release included as an exhibit to our Current Report on Form 8-K filed with the Securities
and Exchange Commission on February 27, 2024.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Compensation
Highlights</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee designed the 2023 executive compensation program to align with the organization&#8217;s efforts to achieve key
strategic and operational objectives and to adhere to evolving compensation and governance best practices, including ensuring a rigorous
link between compensation and performance and shareholder value creation.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
key features of our 2023 executive compensation program relating to pay decisions, program design and shareholder engagement are highlighted
below:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aligned
    the structure of our annual incentive plan (AIP) with key strategic objectives, including profitability, growth and operational execution,
    and continued to incorporate diversity, equity and inclusion (DE&amp;I) metrics to reinforce our commitment to effective human capital
    management practices.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 38.25pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 38.25pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Incorporated
    a service excellence modifier to the AIP to adjust results based on how we deliver on our commitments to our customers and clients,
    further promoting one of our core values.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Linked
    long-term equity awards to total shareholder return relative to a performance peer group to align with shareholder expectations,
    including special performance equity awards provided to recognize leadership and contributions as we navigate the volatile market,
    and provided for awards to settle in shares of common stock to build executive stock ownership in the Company. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
    certain executives&#8217; target compensation in recognition of performance and criticality to delivering on strategic priorities
    and as a result of an evaluation of labor market conditions.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
named executive officers (NEOs) for 2023, whose compensation we will discuss in detail below, are as follows:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 95%; border-collapse: collapse; margin-left: 0.5in">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 34%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Name</b></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 64%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Position</b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Glen
    A. Messina</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">President
    and Chief Executive Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sean
    B. O&#8217;Neil</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Financial Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott
    W. Anderson </span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Servicing Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dennis
    Zeleny</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
    Vice President and Chief Administrative Officer</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">George
    T. Henley<sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Former
    Executive Vice President and Chief Growth Officer</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 1in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            Henley departed this role as of December 31, 2023.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Philosophy
and Objectives of Our Executive Compensation Program </i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
philosophy underlying our executive compensation program is to provide an attractive, flexible, and market-based total compensation program
that aligns the interests of executives and shareholders by rewarding both short-term and long-term performance against specific financial
and strategic objectives designed to improve long-term shareholder value.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Equally
important, our compensation programs are designed to communicate our goals and reinforce our standards as they relate to risk, compliance
and leadership, not only to our senior management team, but across our entire employee population. We employ a variety of cash and equity-based
programs based on business objectives, including annual incentive grants towards the achievement of short- and long-term objectives,
sign-on and retention awards to encourage employee commitment to the Company, and recognition programs for exceptional performance.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Within
this context, we believe our executive compensation programs enable us to:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Retain
    and hire top-caliber experienced executives</span>: In a tight labor market and volatile industry, we believe it is critical that we
    offer compensation opportunities that allow us to attract and retain strong, proven executive talent.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Pay
    for performance</span>: A significant portion of our annual target executive compensation (the sum of base salary, annual target bonus,
    and target value of annual equity program awards) &#8211; 85% for the President and Chief Executive Officer (CEO) and 69% for other
    NEOs on average &#8211; was dependent on the Company&#8217;s business performance and our executive officers&#8217; contribution
    to that performance, and the performance of our stock (described further below in Variable Pay and Incentive Programs). </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Align
    compensation with shareholder interests</span>: A consequential portion of our annual target executive compensation &#8211; 62% for
    the CEO and 37% for other NEOs on average &#8211; was directly tied to total shareholder return or stock price. An additional portion
    of annual target executive compensation &#8211; 23% for the CEO and 31% for other NEOs on average &#8211; was tied to net income,
    return on equity, and other profitability and operating excellence objectives, emphasizing our focus on shareholder value creation
    (further described below under &#8220;Pay Measures&#8221;).</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Reinforce
    a commitment to serve all stakeholders</span>: We believe that taking all stakeholders&#8217; opinions into account leads to long-term
    shareholder value creation. As such, annual incentive compensation awards were subject to a 20% adjustment &#8211; positive or negative
    &#8211; based on customer satisfaction and process quality results, demonstrating our continued commitment to supporting our borrowers.
    Those awards are also determined by an assessment of performance in promoting a culture of appropriate risk management and compliance,
    as well as demonstrating strong leadership behaviors. </span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Variable
Pay and Incentive Programs</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
create a strong link between our incentive compensation opportunities and our short-term and long-term objectives, we use two specific
programs: our Annual Incentive Plan (AIP) and the grant of long-term incentive awards (LTIP awards) under our 2021 Equity Incentive Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
chart below illustrates the portions of our NEOs&#8217; annual target executive compensation that are delivered through our incentive
programs. The Committee determines target compensation amounts after consideration of multiple factors, including comparative data from
our peer group and general survey data provided by its independent compensation consultant (described below).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: left; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Element
    of Annual Target Compensation<sup>(a)</sup></b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: justify; width: 60%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Description</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Percent
    of CEO Total Annual Target Compensation<sup>(b)</sup></b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Average
    Percent of non-CEO NEO Total Annual Target Compensation<sup>(b)</sup></b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Salary</b></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Salaries
    are the only element of total target compensation that is not at risk based on short- or long-term performance.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">31.3%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>AIP</b></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Funding
    for our annual short-term incentive program is linked to performance against key priorities of the Company, which is adjusted according
    to customer satisfaction and quality scores. Individual awards are further modified by the executive&#8217;s overall performance.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">31.3%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>LTIP
    Awards</b></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Half
    of the award is in the form of Restricted Stock Units (RSUs) that vest annually over three years in equal tranches. The other half
    is in the form of Performance-Restricted Stock Units (PRSUs) that cliff vest at the end of three years provided minimum total shareholder
    return (TSR) level has been achieved relative to a performance peer group.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">62%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37.4%</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.5in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
                                            compensation that is available to all of our U.S. employees includes medical, dental and
                                            life insurance benefit programs. 401(k) matching contributions account for less than 0.1%
                                            of our NEOs&#8217; compensation.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"/><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
                                            Annual Target Compensation percentages do not include special awards.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Pay
Measures</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
programs are designed to align the interests of our executives with the interests of our shareholders, and therefore link the drivers
of short-term and long-term value creation with our executive compensation performance metrics. The performance metrics used in our incentive
programs directly link Company performance to the compensation earned by each executive, with total shareholder return being the greatest
link to compensation actually paid, as illustrated below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Pay
    Measure</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: justify; width: 60%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Description</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Percent
    of CEO 2023 Total Target Compensation</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Average
    Percent of non-CEO NEO 2023 Total Target Compensation</b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_902_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__2_zTpsgYYwxcUi" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_2" id="Fact000012" name="ecd:MeasureName">Absolute
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
    long-term incentive program grants equity-based awards with half of target value as time-vested restricted stock units and half as
    performance-based units determined by TSR performance relative to a peer group.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">62%
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37%
    (19%)</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_90B_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__3_z6ZnhPHMnupc" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_3" id="Fact000013" name="ecd:MeasureName">Net
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Full-year
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_90E_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__1_zkEOkWtGi6N1" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_1" id="Fact000014" name="ecd:MeasureName">Return
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Second-half
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_903_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__4_zxZSxAWmrvi7" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_4" id="Fact000015" name="ecd:MeasureName">Growth</ix:nonNumeric></span></b></span></td>
    <td>&#160;</td>
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    growth and cash yields on owned servicing originations accounted for 26.3% of the total weight of our AIP Scorecard.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_908_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__5_z6GNfx5JylJg" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_5" id="Fact000016" name="ecd:MeasureName">Productivity</ix:nonNumeric></span></b></span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses
    as a percentage of either revenue or UPB accounted for 10.5% of the total weight of our 2022 AIP Scorecard.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2%</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_90A_eecd--MeasureName_c20230101__20231231__ecd--MeasureAxis__6_zIuhUoKIfOr8" class="xdx_phnt_RGlzY2xvc3VyZSAtIFBheSB2cyBQZXJmb3JtYW5jZSBEaXNjbG9zdXJlAA__"><ix:nonNumeric contextRef="From2023-01-012023-12-31_6" id="Fact000017" name="ecd:MeasureName">Diversity,
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    <td>&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
                                            a discussion of how we measure pre-tax income before notable items and a reconciliation to
                                            financial measures prepared under GAAP, please see our Current Report on Form 8-K filed with
                                            the Securities and Exchange Commission on February 27, 2024.</span></td></tr></table>

<p id="xdx_8AC_zJnIUe0x55bh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Pay
Versus Performance</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
variable pay programs, particularly our LTIP awards, have created strong alignment between our NEOs&#8217; total compensation and long-term
shareholder value creation. As required by Item 402(v) of Regulation S-K, the table below illustrates the relationship between &#8220;Compensation
Actually Paid&#8221; and certain financial performance measures of the Company.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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    <td style="padding-bottom: 1.5pt; text-align: center; font-size: 11pt">&#160;</td><td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&#160;</td>
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  <tr style="vertical-align: bottom">
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  <tr id="xdx_41B_20230101__20231231_zcIgdYNZKywe" style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr id="xdx_414_20200101__20201231_zm0XFVlXetf8" style="vertical-align: bottom; background-color: White">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            dollar amounts reported are the amounts of total compensation reported for each corresponding
                                            year in the &#8220;Total&#8221; column of the Summary Compensation Table (below for 2023)
                                            for our CEO and non-CEO NEOs as a group. Our CEO was <span id="xdx_90D_eecd--PeoName_c20230101__20231231_zjcwgdiO3kQ3"><ix:nonNumeric contextRef="From2023-01-01to2023-12-31" id="Fact000054" name="ecd:PeoName">Glen Messina</ix:nonNumeric></span>. Our NEOs for each applicable
                                            year were as follows: (i) for 2023, Scott W. Anderson, George T. Henley, Sean B. O&#8217;Neil,
                                            Dennis Zeleny,(ii) for 2022, Scott W. Anderson, George T. Henley, Sean B. O&#8217;Neil, Dennis
                                            Zeleny, June C. Campbell and Albert J. Celini; (iii) for 2021, Scott W. Anderson, June C.
                                            Campbell, George T. Henley, Dennis Zeleny and Timothy J. Yanoti; and (iv) for 2020, Scott
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            dollar amounts reported as &#8220;compensation actually paid&#8221; do not reflect the actual
                                            amount of compensation earned by or paid to our CEO and non-CEO NEOs as a group during the
                                            applicable year. In accordance with the requirements of Item 402(v) of Regulation S-K, the
                                            following adjustments were made to total compensation for each year to determine the &#8220;compensation
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 63pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.5in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            equity award adjustments for each applicable year include the addition (or subtraction, as
                                            applicable) of the following: (i) the year-end fair value of any equity awards granted in
                                            the applicable year that are outstanding and unvested as of the end of the year; (ii) the
                                            amount of change as of the end of the applicable year (from the end of the prior fiscal year)
                                            in fair value of any awards granted in prior years that are outstanding and unvested as of
                                            the end of the applicable year; (iii) for awards that are granted and vest in the same applicable
                                            year, the fair value as of the vesting date; (iv) for awards granted in prior years that
                                            vest in the applicable year, the amount equal to the change as of the vesting date (from
                                            the end of the prior fiscal year) in fair value; and (v) for awards granted in prior years
                                            that are determined to fail to meet the applicable vesting conditions during the applicable
                                            year, the amount equal to the fair value at the end of the prior fiscal year. The valuation
                                            assumptions used to calculate fair values did not materially differ from those disclosed
                                            at the time of grant . The amounts deducted or added in calculating the equity award adjustments
                                            are as follows (adjustments for pension or dividend payments are not covered, as the Company
                                            does not have supplemental executive requirement plans and does not pay dividends on equity
                                            awards, and due to rounding, the calculated final value of the numbers shown in the following
                                            table may not be the precise values reported above):</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 45pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.75in">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold">Executive(s)</td><td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold">Year</td><td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&#160;</td><td style="padding-bottom: 1.5pt; text-align: center">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="width: 1%; text-align: left">&#160;</td><td id="xdx_985_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zaovFrawYz1d" style="width: 5%; text-align: right">(<ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2023-01-012023-12-31_custom_YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember_ecd_PeoMember" id="Fact000090" format="ixt:numdotdecimal" decimals="0" sign="-" unitRef="USD">402,504</ix:nonFraction></td><td style="width: 1%; text-align: left">)</td><td style="width: 2%">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td id="xdx_985_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zQ93A6eUXsp1" style="text-align: right">(<ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_custom_YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember_ecd_NonPeoNeoMember" id="Fact000128" format="ixt:numdotdecimal" decimals="0" sign="-" unitRef="USD">6,938</ix:nonFraction></td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_988_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zTa5k5IZsQg2" style="text-align: right">(<ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_custom_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember_ecd_NonPeoNeoMember" id="Fact000129" format="ixt:numdotdecimal" decimals="0" sign="-" unitRef="USD">275,022</ix:nonFraction></td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_98E_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zpiIUcH1snA9" style="text-align: right"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_ecd_NonPeoNeoMember_custom_TotalEquityAwardAdjustmentsMember" id="Fact000130" format="ixt:numdotdecimal" decimals="0" unitRef="USD">598,919</ix:nonFraction></td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: center">&#160;</td><td style="text-align: center">2020</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_981_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zaNPaoNZcs55" style="text-align: right"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_YearEndFairValueOfEquityAwardsGrantedInTheYearMember_ecd_NonPeoNeoMember" id="Fact000131" format="ixt:numdotdecimal" decimals="0" unitRef="USD">1,027,903</ix:nonFraction></td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td id="xdx_984_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zKmtXSn6cu28" style="text-align: right">(<ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember_ecd_NonPeoNeoMember" id="Fact000134" format="ixt:numdotdecimal" decimals="0" sign="-" unitRef="USD">10,969</ix:nonFraction></td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_989_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zNNajMl6VmB2" style="text-align: right">(<ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember_ecd_NonPeoNeoMember" id="Fact000135" format="ixt:numdotdecimal" decimals="0" sign="-" unitRef="USD">4,568</ix:nonFraction></td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_980_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zZpsommfs3o4" style="text-align: right"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_ecd_NonPeoNeoMember_custom_TotalEquityAwardAdjustmentsMember" id="Fact000136" format="ixt:numdotdecimal" decimals="0" unitRef="USD">1,093,616</ix:nonFraction></td><td style="text-align: left">&#160;</td></tr>
  </table>

</ix:nonNumeric><p id="xdx_8AB_z61jN6CZ1QB2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000138" name="ecd:Additional402vDisclosureTextBlock"><p id="xdx_895_eecd--Additional402vDisclosureTextBlock_dU_zpUXP5V8bho8" style="font: 10pt Times New Roman, Times, Serif; display: none; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative
    TSR is calculated by dividing the sum of the cumulative amount of dividends for the measurement period, assuming dividend reinvestment,
    and the difference between the Company&#8217;s share price at the end and the beginning of the measurement period by the Company&#8217;s
    share price at the beginning of the measurement period.</span></td></tr>
</table>

</ix:nonNumeric><p id="xdx_8A7_zz0zHOk0AxHj" style="margin: 0; display: none">&#160;</p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000140" name="ecd:PeerGroupIssuersFnTextBlock"><p id="xdx_89F_eecd--PeerGroupIssuersFnTextBlock_dU_z9BjEFPxv7r9" style="margin: 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative
    TSR performance of our peer group is weighted by their respective market capitalization as of December 31, 2019. Our peer group is
    the same peer group described below in &#8220;Role of Compensation Committee&#8221;. Current peer group companies Guild Holdings
    Company, loanDepot and UWM Holdings are not included in the weighted average cumulative TSR calculation because they were publicly
    listed after the beginning of the four-year measurement period. Similarly, cumulative TSR performance of companies used in prior
    peer groups who have since been delisted are not included in the weighted average cumulative TSR calculation, including Black Knight,
    CenterState Bank, CoreLogic, Flagstar Bancorp, Home Point Capital and People&#8217;s United Financial. Peer Group Total Shareholder
    Return values for our peer group used in 2021-2023 would be $<span id="xdx_904_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zqtCGw0kdEve"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2023-01-012023-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" id="Fact000141" format="ixt:numdotdecimal" decimals="0" unitRef="USD">134</ix:nonFraction></span>, $<span id="xdx_900_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_znzZZiLEbs5c"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2022-01-012022-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" id="Fact000142" format="ixt:numdotdecimal" decimals="0" unitRef="USD">105</ix:nonFraction></span>, $<span id="xdx_901_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZamEIC2OKia"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" id="Fact000143" format="ixt:numdotdecimal" decimals="0" unitRef="USD">125</ix:nonFraction></span>, and $<span id="xdx_90B_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZhhraoSOA49"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" id="Fact000144" format="ixt:numdotdecimal" decimals="0" unitRef="USD">102</ix:nonFraction></span> for 2023, 2022, 2021 and 2020, respectively;
    for our peer group used in 2020-2021 would be $<span id="xdx_901_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zuVSrKKcEbp"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2023-01-012023-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember" id="Fact000145" format="ixt:numdotdecimal" decimals="0" unitRef="USD">109</ix:nonFraction></span>, $<span id="xdx_907_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zMqFTMvhUvsa"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2022-01-012022-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember" id="Fact000146" format="ixt:numdotdecimal" decimals="0" unitRef="USD">108</ix:nonFraction></span>, $<span id="xdx_905_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zTt5IinZG1lg"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember" id="Fact000147" format="ixt:numdotdecimal" decimals="0" unitRef="USD">125</ix:nonFraction></span> and $<span id="xdx_903_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_z3yBBCOMdYM1"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember" id="Fact000148" format="ixt:numdotdecimal" decimals="0" unitRef="USD">112</ix:nonFraction></span> for 2023, 2022, 2021 and 2020, respectively, and for our
    peer group used in 2019-2020 would be $<span id="xdx_90D_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zxj5cnniZ1U8"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2023-01-012023-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember" id="Fact000149" format="ixt:numdotdecimal" decimals="0" unitRef="USD">97</ix:nonFraction></span>, $<span id="xdx_903_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_z3Nil4mMhowg"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2022-01-012022-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember" id="Fact000150" format="ixt:numdotdecimal" decimals="0" unitRef="USD">106</ix:nonFraction></span>, $<span id="xdx_90E_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zIsxaP5hESLc"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2021-01-012021-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember" id="Fact000151" format="ixt:numdotdecimal" decimals="0" unitRef="USD">141</ix:nonFraction></span> and $<span id="xdx_907_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zekIuYdGZs15"><ix:nonFraction name="ecd:AdjToCompAmt" contextRef="From2020-01-012020-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember" id="Fact000152" format="ixt:numdotdecimal" decimals="0" unitRef="USD">110</ix:nonFraction></span> for 2023, 2022, 2021 and 2020, respectively. We revise our peer group
    from time to time to accommodate mergers and acquisitions activity within the previous peer group and the evolution of our business
    model, and to better reflect peers subject to similar regulatory oversight for performance and business practice benchmarking.</span></td></tr>
  </table>
</ix:nonNumeric><p id="xdx_8A4_zhkW1SEmrnPa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


<!-- Field: Page; Sequence: 43 -->
    <div style="border-bottom: Black 1.5pt solid; margin-bottom: 6pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="text-align: center; width: 100%"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->41<!-- Field: /Sequence --></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    dollar amounts reported represent the amount of net income (loss) reflected in the Company&#8217;s audited financial statements for
    the applicable year. </span></td></tr>
</table>

<ix:nonNumeric contextRef="From2023-01-012023-12-31_1" escape="true" id="Fact000154" name="ecd:NonGaapMeasureDescriptionTextBlock"><p id="xdx_896_eecd--NonGaapMeasureDescriptionTextBlock_hecd--MeasureAxis__1_dU_zs3XYtWkX1ub" style="margin: 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(6)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eecd--CoSelectedMeasureName_c20230101__20231231_zcpB3HwAHlL1"><ix:nonNumeric contextRef="From2023-01-01to2023-12-31" id="Fact000155" name="ecd:CoSelectedMeasureName">After-Tax
    Return On Equity (ROE)</ix:nonNumeric></span> is calculated as net income divided by average total equity, excluding notables. For a discussion of how we
    measure pre-tax income before notable items and a reconciliation to financial measures prepared under GAAP, please see our Current
    Report on Form 8-K filed with the Securities and Exchange Commission on February 27, 2024.</span></td></tr>
  </table>
</ix:nonNumeric><p id="xdx_8AF_zzTKyeYKOVIb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
our focus on long-term performance, we do not specifically align our performance measures with &#8220;compensation actually paid&#8221;.
Nonetheless, in accordance with Item 402(v) of Regulation S-K, below are the relationships between compensation actually paid to the
financial measures presented above:</span></p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000157" name="ecd:CompActuallyPaidVsTotalShareholderRtnTextBlock"><p id="xdx_890_eecd--CompActuallyPaidVsTotalShareholderRtnTextBlock_dU_zkYJvoL1jAT6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Cumulative
    Company TSR and Compensation Actually Paid</i>: In 2020 and 2021, increases to our share price contributed to higher compensation
    actually paid values versus the Summary Compensation Table value. In 2022, the 23% decrease to our year-end closing share price,
    plus the forfeiture of our 2019 performance-restricted stock units due to unattained metrics, resulted in a significant reduction
    compensation actually paid compared to 2021. In 2023, the above-target achievement of our 2020 performance-restricted stock units
    resulted in an increase to compensation actually paid compared to 2022.</span></td></tr>
</table>

</ix:nonNumeric><p id="xdx_8A7_z6qiyxD0UNr7" style="margin: 0">&#160;</p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000159" name="ecd:TotalShareholderRtnVsPeerGroupTextBlock"><p id="xdx_895_eecd--TotalShareholderRtnVsPeerGroupTextBlock_dU_z8Th7gSik9E4" style="margin: 0; display: none">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Cumulative
    Company TSR and Cumulative Peer Group TSR</i>: Our cumulative total shareholder return has been at least 19% higher than our peer
    group average in each of the last three years, which has rewarded our executives, as described below in &#8220;Performance Results
    of Long-Term Incentive Awards&#8221;. </span></td></tr>
</table>

</ix:nonNumeric><p id="xdx_8A7_zWWDxYszL3Yl" style="margin: 0">&#160;</p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000161" name="ecd:CompActuallyPaidVsNetIncomeTextBlock"><p id="xdx_897_eecd--CompActuallyPaidVsNetIncomeTextBlock_dU_z2YQkIZ5MHXi" style="margin: 0; display: none">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Net
    Income and Compensation Actually Paid</i>: Net Income was a metric included in our AIP scorecard each of the last four years. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts. </span></td></tr>
</table>

</ix:nonNumeric><p id="xdx_8AD_zywUEwYt1nT9" style="margin: 0">&#160;</p>

<ix:nonNumeric contextRef="From2023-01-01to2023-12-31" escape="true" id="Fact000163" name="ecd:CompActuallyPaidVsCoSelectedMeasureTextBlock"><p id="xdx_89F_eecd--CompActuallyPaidVsCoSelectedMeasureTextBlock_dU_zvR5tEBWDJl7" style="margin: 0; display: none">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    and Compensation Actually Paid</i>: Return on Equity was a metric included in our AIP scorecard in 2021, 2022 and 2023. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts.</span></td></tr>
  </table>
</ix:nonNumeric><p id="xdx_8A5_zt5GtqiFEWp" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>All
information provided above under the &#8220;Pay versus Performance&#8221; heading will not be deemed to be incorporated by reference
into any filing of the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether
made before or after the date hereof and irrespective of any general incorporation language in any such filing, except to the extent
the Company specifically incorporates such information by reference therein.</i></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Equity-based
Compensation Has Created Strong Alignment with Shareholder Value Creation</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
annual LTIP awards have created strong alignment between our NEOs&#8217; total compensation and long-term shareholder value creation.
These awards are a significant portion of total annual target pay for executives, and total outstanding award values place significant
interest in long-term company share price performance.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below reflects each NEO&#8217;s annual target cash compensation and total equity holdings, excluding stock options, as of March
31, 2024, including shares of common stock beneficially owned and unvested restricted stock units. The table provides the value of those
shares and restricted stock units based on the share price of our stock on March 31, 2024 and an illustrative diluted book value per
share based on our publicly reported book value as of December 31, 2023. For example, the value of our CEO&#8217;s shares would increase
over 70% (an additional $12.1 million) if our shares were trading at fully diluted book value compared to the March 31,
2024 share price.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Value
of Equity Held by Named Executive Officers<sup>(1)</sup></i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">11,520</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">1,653,876</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
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    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">188</span></td><td style="text-align: left"><span style="font-size: 9pt">%</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">2,865,658</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">287</span></td><td style="text-align: left"><span style="font-size: 9pt">%</span></td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td><span style="font-size: 9pt">TOTAL</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">5,600,000</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">541,270</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">315,079</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">23,129,986</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">413</span></td><td style="text-align: left"><span style="font-size: 9pt">%</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">26,341,295</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">470</span></td><td style="text-align: left"><span style="font-size: 9pt">%</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">40,077,133</span></td><td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td><span style="font-size: 9pt">&#160;</span></td>
    <td style="text-align: left"><span style="font-size: 9pt">&#160;</span></td><td style="text-align: right"><span style="font-size: 9pt">716</span></td><td style="text-align: left"><span style="font-size: 9pt">%</span></td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 45pt; text-align: justify; text-indent: -9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 45pt; text-align: justify; text-indent: -9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    equity includes shares of common stock beneficially owned plus unvested restricted stock units. For the vesting terms of our restricted
    stock units, see &#8220;Executive Compensation&#8212;Compensation Discussion and Analysis&#8212;2023 Long-Term Incentive (LTIP) Awards.&#8221;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Values
    reflect all outstanding stock units, including cash settled restricted stock units and excluding stock options, as of March 31, 2024,
    with performance-based units adjusted for interim performance as of March 31, 2024. There is no guarantee that time-based units or
    performance-based units will vest. Vesting of cash-settled stock units will reduce totals shown above. See &#8220;Compensation Discussion
    and Analysis - 2023 Long-Term Incentive (LTIP) Awards&#8221; and &#8220;Outstanding Equity Awards at Fiscal Year-End&#8221;, below,
    for additional detail on outstanding restricted stock units.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;Owned
    Shares&#8221; represents shares beneficially owned as of March 31, 2024. Includes shares held jointly, indirectly by spouse, and
    indirectly by trust.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculations
    are based on share price as of March 28, 2024, the last closing price prior March 31, 2024, and equity holdings as of March 31, 2024.
    Our future stock price may vary materially from the closing price shown in the table. The closing price per share of our common stock
    on April 11, 2024 was $24.40 per share.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(5)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculations
    are based on $30.76 closing price per share of our common stock on December 29, 2023, the last closing price prior to December 31,
    2023, and March 31, 2024 equity holdings. Our future stock price may vary materially from the closing price shown in the table.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(6)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculations
    are based on March 31, 2024 equity holdings and fully diluted book value per share. Fully diluted book value per share is calculated
    based on the Company&#8217;s most recent publicly reported book value of $401.8 million at December 29, 2023 and 9,230,269 shares,
    comprised of 7,784,253 shares outstanding and 1,446,016 warrants held by Oaktree as of March 31, 2024. See &#8220;Business Relationships
    and Related Transactions &#8211; Relationship with Oaktree&#8221;, below. Assumes cashless exercise of Oaktree warrants using 10-day
    average of Volume Weighted Average Price (10 days ending on preceding day of exercise) on March 31, 2024 of $25.54. Does not give
    effect to issuance of shares underlying vested and unvested restricted stock units shown in table or stock options with strike prices
    above current trading prices. </span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
total shares owned and outstanding units granted to NEOs as of March 31, 2024 represent 11.2% of the diluted weighted average
number (7,635,584) of shares of the Company&#8217;s common stock issued and outstanding in the 2023 fiscal year. When coupled with the
holdings of non-management directors, as shown above, these groups collectively own shares and outstanding units representing 13.2%
of the Company&#8217;s 2023 diluted weighted average shares outstanding.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
described further below, awards granted to NEOs in 2023 also applied a one-year holding requirement to shares acquired on vesting of
newly-granted RSUs to continue to promote strong governance and risk management practices.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Parties
Involved in Compensation Decisions</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
governance of our executive compensation programs generally occurs through interaction of three groups: the Compensation Committee, the
Compensation Committee&#8217;s independent compensation consultant, and management. In 2023, on occasion and as it considered appropriate,
the Compensation Committee enlisted the advice of outside counsel specializing in executive and non-employee director compensation matters
to assist it in fulfilling its responsibilities under the Compensation Committee&#8217;s charter.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 40.5pt; text-align: justify; text-indent: -40.5pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 40.5pt; text-align: justify; text-indent: -40.5pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Role
of the Compensation Committee</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 40.5pt; text-align: justify; text-indent: -40.5pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee is responsible for overseeing the development and approval of our executive compensation and benefits policies
and programs. The Compensation Committee, consisting of three independent directors, is responsible for the design, review and approval
of all aspects of our executive compensation program. Among its duties, the Compensation Committee formulates recommendations to the
Board of Directors for CEO compensation and reviews and approves all compensation recommendations for the other NEOs. Adjustments are
made by the Compensation Committee in its judgment, taking into account compensation arrangements for comparable positions at peer group
companies (discussed below), analysis prepared by WTW, the Compensation Committee&#8217;s independent compensation consultant, individual
performance of the NEO, an assessment of the value of the individual&#8217;s performance going forward and compensation levels necessary
to maintain and attract quality personnel. Compensation levels are also considered upon a promotion or other change in job responsibility.
The Company considers feedback from shareholders, including feedback in the form of shareholder advisory votes on Ocwen&#8217;s executive
compensation. Additionally, the Compensation Committee reviews an annual risk assessment prepared by the Chief Risk and Compliance Officer
to evaluate the likelihood that NEO incentive compensation plans may induce management actions inconsistent with the Company&#8217;s
risk appetite statement and core values.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee&#8217;s review for NEOs also includes:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 9pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">approval
    of the AIP Corporate Scorecard, which drives the variable compensation for approximately 600 top managers of the company including
    the NEOs;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">evaluation
    of individual performance results to determine the AIP individual performance multiplier of each NEO;</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">approval
    of any changes to compensation, including, but not limited to, base salary, short-term and long-term incentive award opportunities,
    severance payments and retention programs; and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">evaluation
    of the market competitiveness of each NEO&#8217;s total compensation (and principal elements of compensation) against relevant comparator
    groups, including broad-based industry survey data provided by the Compensation Committee&#8217;s independent compensation consultant
    (which is considered generally without focus on any particular company or group of companies in the survey other than the peer group
    companies noted below) as well as a peer group of companies that are recommended to the Compensation Committee by its independent
    compensation consultant based on a number of metrics, including industry classification, revenues, assets and number of employees.
    The peer group used to help inform compensation decisions from January through September 2023 is listed below.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 38.25pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Associated
    Banc-Corp</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
    Cooper Group Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">BankUnited,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Navient
    Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Finance
    of America Companies, Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">PennyMac
    Financial Services, Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guild
    Holdings Company</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Radian
    Group Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    Point Capital Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">South
    State Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">LendingTree,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">UWM
    Holdings Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">loanDepot,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Walker
    &amp; Dunlop, Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">MGIC
    Investment Corporation</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Webster
    Financial Corporation</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
September 2023, the Compensation Committee revised the peer group to the list below to accommodate mergers and acquisitions activity
within the previous peer group, and to ensure the constituent companies remain aligned with Ocwen&#8217;s business model and key metrics
noted above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Associated
    Banc-Corp</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
    Cooper Group Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Axos
    Financial, Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">PennyMac
    Financial Services, Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">BankUnited,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Radian
    Group Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Finance
    of America Companies, Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">South
    State Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guild
    Holdings Company</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">UWM
    Holdings Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">LendingTree,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Walker
    &amp; Dunlop, Inc.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">loanDepot,
    Inc.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Webster
    Financial Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">MGIC
    Investment Corporation</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">WSFS
    Financial Corporation</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 1in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>How
We Make Compensation Decisions</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#160;</i></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
year our executive and other compensation programs are developed and refined through a year&#8217;s worth of analysis and decision-making
by the Compensation Committee. A typical year&#8217;s work is summarized below:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="border-bottom: Black 1.5pt solid; width: 23%; padding-top: 1.65pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>QUARTER 1</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%; text-align: center">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; width: 23%; padding-top: 1.65pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>QUARTER 2</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%; text-align: center">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; width: 24%; padding-top: 1.65pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>QUARTER 3</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%; text-align: center">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; width: 24%; padding-top: 1.65pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>QUARTER 4</b></span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-right: 2.65pt; padding-left: 2.65pt">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 1.65pt 0 0 9pt; text-indent: -9pt">&#9679;&#160;Evaluate the
    Company&#8217;s prior year performance against the financial and strategic metrics set forth in the prior year&#8217;s AIP scorecard.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review and evaluate
    the individual performance of the CEO and each of our other NEOs and other executive officers.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Determine the payouts
    to be made under the AIP based on prior year&#8217;s performance.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Determine total target
    compensation levels for our NEOs and other executive officers, as informed by both market data and prior year&#8217;s performance.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Establish the structure
    and targets for the current year&#8217;s AIP to align with the financial and strategic priorities for the Company.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1.5pt 9pt; text-indent: -9pt">&#9679; Establish the
    structure for the current year&#8217;s LTIP awards, including TSR or other performance objective.</p></td>
    <td style="padding-top: 1.65pt; padding-left: 9pt; text-indent: -9pt">&#160;</td>
    <td style="padding-right: 2.65pt; padding-left: 2.65pt">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 1.65pt 0 0 9pt; text-indent: -9pt">&#9679; Prepare the Compensation Committee&#8217;s
    report and CD&amp;A for the Proxy Statement.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review and discuss Say-on-Pay voting
    recommendations from proxy advisory firms.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review and discuss the results of the
    voting at the Annual Meeting.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review reports from the Compensation
    Committee&#8217;s independent compensation consultants on practices and trends in the industry.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1.5pt 9pt; text-indent: -9pt">&#160;</p></td>
    <td style="padding-top: 1.65pt; padding-left: 9pt; text-indent: -9pt">&#160;</td>
    <td style="padding-right: 2.65pt; padding-left: 2.65pt">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 1.65pt 0 0 9pt; text-indent: -9pt">&#9679; Undertake a review of the Company&#8217;s
    designated peer group to determine if any changes need to be made in order for it to remain appropriate.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Commence shareholder engagement focused
    on the Say-on-Pay vote at the Annual Meeting to inform pay decisions and design compensation programs for the coming year.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review human capital initiatives to
    support growth.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1.5pt 9pt; text-indent: -9pt">&#160;</p></td>
    <td style="padding-top: 1.65pt; padding-left: 9pt; text-indent: -9pt">&#160;</td>
    <td style="padding-right: 2.65pt; padding-left: 2.65pt">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 1.65pt 0 0 9pt; text-indent: -9pt">&#9679; Continue shareholder engagement
    focused on Say-on-Pay vote at the Annual Meeting.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Review the goals and objectives of the
    Company&#8217;s compensation programs.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Conduct an assessment of executive compensation
    and independent director compensation against peer group and relevant general survey data provided by the Compensation Committee&#8217;s
    independent compensation consultant.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt">&#9679; Conduct comprehensive, risk-based review
    of the Company&#8217;s compensation policies and practices that is designed to ensure appropriate mitigation of undue risk.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1.5pt 9pt; text-indent: -9pt">&#160;</p></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Roles
of Executive Officers </i></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
CEO is involved in the recommendation of certain compensation arrangements for approval by the Compensation Committee. The CEO, with
the assistance of the Chief Administrative Officer, annually reviews the performance of the executive officers and is involved in formulating
recommendations regarding equity compensation for the executive officers (other than himself, whose performance is reviewed and compensation
determined by the Compensation Committee). The CEO presents his conclusions and recommendations regarding annual compensation and annual
incentive opportunity amounts for the executive officers to the Compensation Committee for its consideration and approval. In formulating
the conclusions and recommendations for the Chief Audit Executive, Chief Financial Officer, Chief Risk and Compliance Officer, and Chief
Administrative Officer, the CEO consults with the Chairs of the Audit Committee, Risk and Compliance Committee and Compensation Committee
to incorporate the views and perspectives of the relevant committee chair. The Compensation Committee can exercise its discretion in
accepting, rejecting and/or modifying any such recommendations, subject to any applicable limits contained in any plan or agreements
applicable to such awards. All compensation decisions with respect to the compensation of the CEO are made by the Compensation Committee,
which consults with the other non-management directors and outside advisors to the extent it deems appropriate. The Chief Administrative
Officer assists the CEO and the Compensation Committee by providing them with market data and other reference materials.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Role
of Independent Compensation Consultant </i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
primary role of the Compensation Committee&#8217;s independent compensation consultant, WTW, is to provide advice to the Compensation
Committee in connection with the development and approval of our compensation policies and programs. Except as otherwise noted in this
Compensation Discussion and Analysis, the Compensation Committee&#8217;s decisions are the result of the Compensation Committee&#8217;s
business judgment with respect to compensation matters, informed by the experiences of its members and analysis and input from independent
compensation consultants, among other factors. The Compensation Committee has assessed the independence of WTW and has concluded that
WTW&#8217;s engagement does not raise any conflict of interest with the Company or any of its directors or executive officers. WTW performed
a number of services for the Compensation Committee, including but not limited to reviewing and providing guidance on: </span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">design
    of the annual AIP and LTIP awards; </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">market
    competitiveness of compensation of our NEOs; </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Company&#8217;s
    peer group for purposes of informing compensation decisions; </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">reports
    of proxy advisory firms, including ISS and Glass Lewis, relating to the proxy statement; </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">market
    competitiveness of the compensation of our independent directors; and</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">emerging
    best practices for executive and independent director compensation.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Shareholder
Engagement and Consideration of Shareholder Advisors&#8217; Input</i></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee and our Board of Directors value shareholder feedback and actively engage with our largest shareholders through
outreach and direct meetings with active investors. The Committee also considers recommended best practices put forth by shareholder
proxy advisory firms, such as ISS, to the extent these institutions&#8217; recommendations are aligned with the interests of our shareholders.
Shareholder input has helped shape our approach towards LTIP awards and related performance metrics and strengthened how we implement
our pay-for-performance philosophy. We aspire to continued strong support for our executive pay decisions; in 2023, 85% of shareholder
advisory votes were cast in favor of our Say-on-Pay proposal. We also intend to continue to hold an advisory Say-on-Pay vote at each
annual meeting of shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Key
Governance Considerations in How We Design and Implement Our Compensation Programs</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="border-bottom: black 1.5pt solid; width: 49%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>WHAT WE DO</b></span></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 2%">&#160;</td>
    <td style="border-bottom: black 1.5pt solid; width: 49%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>WHAT WE DON&#8217;T DO</b></span></td></tr>
  <tr style="vertical-align: top">
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Pay for performance</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Most of our NEOs&#8217; pay is at-risk and not guaranteed.
    We set clear and transparent financial and strategic goals within our short- and long-term incentive awards which include performance-based
    vesting conditions.</p></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>No fixed term of employment agreements</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We do not have employment agreements that provide
    for a fixed term of employment with any of our executive officers. Employment is at-will and provisions for separation and treatment of
    compensation is contained in applicable award documents or offer letters.</p></td></tr>
  <tr style="vertical-align: top">
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Discourage excessive risk taking</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We operate within our risk management framework and
    include a balanced program design, multiple performance measures, claw-back and retention requirements. We also conduct an annual risk
    assessment of our NEO compensation plans to ensure they do not promote undue or excessive risk-taking.</p></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>No tax gross-ups</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">It is our policy to not provide tax gross-ups (other
    than for taxable relocation expenses for moves necessitated by our business), including tax gross-ups related to excess parachute payments
    as defined under section 280G of the Internal Revenue Code.</p></td></tr>
  <tr style="vertical-align: top">
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Retain an independent compensation consultant </b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Compensation Committee has retained the services
    of WTW as an independent consultant that reports directly to the Chair of the Compensation Committee.</p></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>No option back-dating, re-pricing or reloading</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We do not permit back-dating, re-pricing of stock
    options, or reloading of stock options. No stock options are granted with exercise prices that are below the closing price of Ocwen stock
    on the date of grant.</p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>&#160;</b></p></td></tr>
  <tr style="vertical-align: top">
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Caps on annual incentives </b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Our practice under the AIP provides for a maximum
    payout opportunity at 150% of the target incentive.</p></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>No hedging or pledging</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We prohibit directors and all employees, including
    executive officers, from pledging shares of our stock as collateral for loans or for other reasons and from engaging in any activity that
    hedges the economic risk of an investment in our stock.</p></td></tr>
  <tr style="vertical-align: top">
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Introduced holding requirement for shares</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Effective with equity granted to executives on or
    after March 31, 2022, shares acquired on vesting pursuant to those awards will be subject to a one-year holding period.</p></td>
    <td style="font: 11pt Calibri, Helvetica, Sans-Serif">&#160;</td>
    <td>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>No &#8220;single-trigger&#8221; LTIP awards</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Our LTIP awards do not automatically vest upon the
    occurrence of a change in control. Rather, these awards include double-trigger provisions such that following a change in control a NEO
    will only receive accelerated payouts if terminated without cause or upon voluntary resignation for good reason.</p></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Base
Salaries and Annual Incentive Targets for our NEOs</i></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Base
salaries and annual incentive targets are intended to provide a target level of cash compensation that is competitive and appropriate
for the responsibilities of the executive&#8217;s position. The Compensation Committee determines each executive&#8217;s compensation
levels based on its assessment of the nature and scope of each executive officer&#8217;s responsibilities, experience and performance,
and an assessment of compensation levels necessary to maintain and attract quality personnel as informed by peer group and general industry
survey data. As of December 31, 2023, the variable (AIP) proportion of total target cash compensation is 60% for the CEO and 50% for
other NEOs.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below reflects each NEO&#8217;s 2023 base salary and AIP target, which were unchanged from 2022 compensation levels.</span></p>

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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
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                                                                                <p style="margin-top: 0; margin-bottom: 0">($ and % of Salary)</p></td><td style="text-align: center; padding-bottom: 1.5pt; font-weight: bold">&#160;</td><td style="text-align: center; padding-bottom: 1.5pt; font-weight: bold">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 40%; text-align: left">Glen A. Messina</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 11%; text-align: right">1,000,000</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
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    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 11%; text-align: right">150</td><td style="width: 1%; text-align: left">%</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 11%; text-align: right">2,500,000</td><td style="width: 1%; text-align: left">&#160;</td></tr>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">550,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">100</td><td style="text-align: left">%</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,100,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">Scott W. Anderson</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">500,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">100</td><td style="text-align: left">%</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,000,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Dennis Zeleny</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">500,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">500,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">100</td><td style="text-align: left">%</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,000,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">George T. Henley</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">500,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">100</td><td style="text-align: left">%</td><td>&#160;</td>
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  </table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>2023
Annual Incentive Plan (AIP)</i></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen&#8217;s
annual incentive compensation opportunity for eligible employees, including our executive officers, is provided under the 1998 Annual
Incentive Plan, as amended, which has been approved by our shareholders. The AIP award opportunity motivates executives to deliver against
the Board-approved business plan and the key initiatives that the Compensation Committee, working with the CEO, management and the Compensation
Committee&#8217;s independent advisor, believes will enhance Company performance and create a path for long-term shareholder value.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">AIP
award opportunities for each NEO were based on a combination of organization and individual performance, as summarized below and followed
with additional detail further below:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">First,
    performance against the Corporate Scorecard objectives is used to calculate preliminary results. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scorecard
    results are then adjusted by a service excellence modifier to establish the baseline funding level for the entire plan. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">From
    there, organizational performance funding is allocated to each business unit and its managing NEO based on an assessment of the business
    unit&#8217;s achievement of its key priorities and the corresponding contributions to overall Corporate Scorecard results. </span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Finally,
    each NEO&#8217;s award is adjusted based on an assessment of his or her individual performance against a number of key objectives
    unique to him or her, including demonstrated leadership in creating and sustaining a high-performing culture. </span></td></tr>
  </table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Corporate
Scorecard</i></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Corporate Scorecard, which drives the overall funding for the AIP, is approved annually by the Compensation Committee. 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 and discourage executives from
pursuing short-term goals that may not be consistent with achieving such long-term success, as well as the level of difficulty associated
with attainment of each goal in the scorecard. The 2023 Corporate Scorecard objectives, shown below with final performance results, were
directly aligned to the Board-approved 2023 business plan and our key business priorities, as follows:</span></p>

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<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Profitability,
    </span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>


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


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
performance, including net income and return on equity, constituted 58% of the overall scorecard weight as sustaining profitability was
critical to delivering on shareholder expectations. Our other priorities were necessary to enable growth and improve efficiencies, and
our focus on maintaining key employees in the midst of change is vital to our long-term success and our mission, values and operating
principles. Additionally, because &#8220;helping homeowners is what we do&#8221;, the scorecard results are adjusted +/- 20% by a service
excellence modifier that assesses how we deliver on our commitments to our customers and clients.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee establishes the &#8220;target&#8221; performance of each goal at a level that it intends to be challenging to
achieve, a &#8220;threshold&#8221; level for each goal that must be met in order for any portion of the incentive to be paid with respect
to that goal, and an outstanding or &#8220;maximum&#8221; level for each goal that would result in payment of the maximum bonus opportunity
with respect to that goal. The chart below depicts the level of achievement for a given objective on the scorecard and the corresponding
incentive leverage that is applied to the target funding for the given objective.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto">
  <tr style="vertical-align: bottom">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Committee measured the level of performance achievement against scorecard and modifier objectives using quantitative assessments. The
level of achievement was determined using straight-line interpolation between the &#8220;threshold&#8221;, &#8220;target&#8221; and &#8220;maximum&#8221;
anchor posts, as applicable. Qualitative assessments were also applied to ensure achievement levels were consistent with expected broader
strategic outcomes.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prior
to the Committee&#8217;s assessment of the level of performance achieved against scorecard and modifier objectives, the information on
which the Committee based its assessment was first reviewed and verified by the Company&#8217;s internal audit, finance and risk management
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Based
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#160;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#160;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#160;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Full-Year
    GAAP Net Income and Adjusted Pre-Tax Income are inclusive of expense accrual for AIP. Second Half After-Tax Return On Equity (ROE)
    in Q3 and Q4 is calculated as Q3 and Q4 GAAP Net Income divided by Average of Q1 and Q2 Total Equity and Q3 and Q4 Total Equity.
    For a discussion of how we measure pre-tax income before notable items and a reconciliation to financial measures prepared under
    Generally Accepted Accounting Principles (GAAP), please see our Current Report on Form 8-K filed with the Securities and Exchange
    Commission on February 27, 2024.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 13.5pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Employee
Engagement </i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Corporate Scorecard initially included an employee engagement metric weighted at 5%, measuring progress in employee survey results from
Q2 2023 to Q4 2023. Management postponed the Q4 survey to allow for sufficient time to implement actions plans based on Q2 results in
a visible and impactful manner.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consequently,
after considering the scores from the Q2 survey, which were strong and above external benchmarks despite significant expense and headcount
reduction actions taken by management in response to the challenging business environment, the Compensation Committee determined that
the 5% weight for that metric should be reallocated evenly among the remaining metrics (as shown above) so as not to favor any metric
over another. In the Compensation Committee&#8217;s view, management remained focused on employee engagement throughout the year notwithstanding
the absence of a Q4 Scorecard metric, including initiatives to improve communication, professional development, recognition and work-life
balance.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Diversity,
Equity &amp; Inclusion (see 4 above)</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diversity,
equity, inclusiveness and respect are integral parts of our culture and work environment, and we are committed to being a globally diverse
and inclusive workplace where every voice is heard. Our DE&amp;I strategy, which we refer to as our &#8220;road map&#8221;, is built
around the four pillars of our diversity program, with numerous initiatives and short-term actions to support each one. Our 2023 goals
and key results are summarized below:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Pillar</b></span></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Road
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: justify"> <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Key Results</b></span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Leadership</b></span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 32%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Strengthen
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 52%"><p style="font: 10pt Times New Roman, Times, Serif; text-indent: -9pt; text-align: justify; margin: 0pt 0pt 0pt 9pt">&#9679;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">
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    <p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt">&#160;</p>
    <p style="font: 10pt Times New Roman, Times, Serif; text-indent: -9pt; text-align: justify; margin: 0pt 0pt 0pt 9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">
    &#9679; Continued inclusive workplace efforts through affinity groups for women, African-Americans and LGBTQ+ employees.</span></p></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td>
    <td style="text-align: justify">&#160;</td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increase
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> &#9679; Increased percentage of diverse representation in leadership and leadership candidate pools.</span></p>
                                                                              <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt; text-align: justify">&#9679;<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">
    Hosted borrower outreach events.</span></p>
                                                                              <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">
    &#9679; Participated in external engagements with consumer advocacy and mortgage industry diversity councils.</span></p></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Strengthen
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    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">
    &#9679; Promoted vendor diversity value proposition with key stakeholders.</span></p></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Service
Excellence Modifier</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate
Scorecard results were adjusted based on how we performed in satisfying our customers and clients and meeting quality objectives. Our
2023 goals and key results are summarized below:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">NPS
                                            weighted 40% to forward contact, 40% to forward non-contact, and 20% to reverse contact.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Final
                                            significant defect rates are calculated as the sum of all defects identified as a part of
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
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                                            of Servicing metrics within specifications is a meta-metric across the Servicing segment
                                            that is the sum of passing reviews from the Monthly Business Review and GSE QA in 2023 divided
                                            by the total reviews in 2023.</span></td></tr></table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Organizational
Performance Funding Allocation by Business Unit</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Upon
approval of the Corporate Scorecard results, funding is allocated to each business unit based on the Compensation Committee&#8217;s assessment
of the business unit&#8217;s contributions to scorecard achievement, which is informed by the CEO&#8217;s recommendation. The assessment
is based on the business unit&#8217;s achievement of a unique set of financial and operating objectives required to support the key priorities
reflected in the Corporate Scorecard and service excellence modifier.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
NEO worked with the CEO to develop their unique set of key priorities in their respective area of responsibility, which included specific
cost or profitability targets, and were weighted depending upon their relative importance to overall organization success. These priorities
are outlined in the Performance Assessments section below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Individual
Performance Multiplier</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee is accountable for reviewing and approving the full-year performance evaluations and recommended performance appraisal
ratings for each member of the executive leadership team, including the CEO. The Compensation Committee considers recommendations from
the CEO in determining performance appraisal ratings of the other NEOs. The CEO&#8217;s performance appraisal rating is determined by
the Compensation Committee in consultation with the other independent directors.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
documentation provided to the Compensation Committee includes the executives&#8217; self-assessments capturing their views on their performance
against each of the objectives they and the CEO agreed to at the start of the year, as well as those that may have been introduced as
a result of emerging priorities during the year. The objectives for all employees, including NEOs, fell into three weighted categories:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Key
                                            business unit and functional priorities (50% weight) reflected individual goals required
                                            to meet the objectives contained in the Corporate Scorecard and service excellence modifier;</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk
                                            and compliance metrics (25% weight) assessed executive performance in promoting a culture
                                            of appropriate risk and compliance through training and policy review and adherence, remediating
                                            any identified issues, and lack of any material findings relating to audit protocols under
                                            the Sarbanes-Oxley Act or examination matters; and</span></td></tr><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>

<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leadership
                                            expectations and behaviors (25% weight, described below).</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leadership
expectations and behaviors for our executive team require them to:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
    <td style="width: 0.25in">&#160;</td>
    <td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Behave as a leadership role model <span style="color: #262626">by self-identifying as an owner, maintaining a balanced perspective, demonstrating intellectual curiosity, being accountable for driving positive outcomes and operating as part of a larger team</span>.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Build strong working relationships in which they <span style="color: #262626">lead by example, demonstrate integrity, and </span>solicit, consider and appropriately incorporate perspectives from others.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Drive and deliver exceptional results by proactively anticipating situations that require a plan of action, identifying critical issues and assuming personal ownership for driving their resolution.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lead efforts on diversity, equity and inclusion by fostering an equitable, inclusive and safe work environment <span style="color: #262626">that allows for </span>open discussion and understanding, encourages and values individual differences, and ensures employees have an equal opportunity for success.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Build and motivate a high performing team by identifying and securing top talent to increase performance, <span style="color: #262626">convincing others of the need for change to support critical organizational objectives, and</span> actively holding people accountable for results and behaviors.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #262626">Embrace our service excellence philosophy </span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">by supporting its standards of delivering on commitments to customers, clients, investors and colleagues through caring service, integrity and creative solutions.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee evaluates the proposed results and performance appraisal recommendations and determines the final incentive compensation
awards for each executive. Each executive receives an individual performance appraisal rating against a 5-point scale with an &#8220;individual
performance multiplier&#8221; that is applied to their funded annual incentive opportunity, as described above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
value for the multiplier is determined by the Compensation Committee using a value from the range shown in the chart below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; width: 75%; border-collapse: collapse; margin-right: auto">
  <tr style="font: 10pt Times New Roman, Times, Serif">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 49%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Individual
    Performance Rating</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 49%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Individual
    Performance Multiplier </b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    Performance</span></td>
    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Highly
    Effective Performance</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">105-110%</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective
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    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inconsistent
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    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsatisfactory
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">0%</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Performance
Assessments and Calculation of Total 2023 AIP Awards</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">After
careful consideration, the Compensation Committee &#8211; and the full Board, in the case of the CEO &#8211; assessed each NEO&#8217;s
performance leading their respective business unit&#8217;s achievement of its financial and operating objectives to determine organizational
performance funding, and assigned individual performance multipliers reflective of risk and compliance objectives and leadership expectations
and behaviors that further differentiated their performance, as described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify">Name</td><td style="padding-bottom: 1.5pt">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following summarizes the performance of each executive and his respective business unit:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Glen
Messina</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
CEO, Mr. Messina received organizational performance funding equivalent to the Corporate Scorecard results, or 100.3%, and he received
an individual performance multiplier of 105%, with key accomplishments described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
    <td style="width: 0.5in">&#160;</td>
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Sean
O&#8217;Neil</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
O&#8217;Neil&#8217;s key priorities for the finance organization included financial reporting and forecasting, treasury and cash management,
balance sheet optimization, and shareholder relations. Under his leadership, the finance business unit earned an organizational performance
multiplier of 101%, and he received an individual performance multiplier of 102.5%, with key accomplishments described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
    <td style="width: 0.5in">&#160;</td>
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    <td>&#160;</td>
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  <tr style="vertical-align: top">
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    <td>&#160;</td>
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  <tr style="vertical-align: top">
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    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
    <td>&#160;</td>
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  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Scott
Anderson</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Anderson&#8217;s key priorities for the servicing organization included delivering efficient and compliant operational performance and
exceptional customer service, and improving portfolio cost to service. Under his leadership, the servicing business unit earned an 104.5%
organizational performance multiplier, and he received an individual performance multiplier of 110%, with key accomplishments described
below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
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    <td style="width: 0.5in">&#160;</td>
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    <td>&#160;</td>
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  <tr style="vertical-align: top">
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    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
    <td>&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Dennis
Zeleny</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Zeleny&#8217;s key priorities as Chief Administrative Officer included overseeing the human resources, information technologies, enterprise
project management office (EPMO), communication, procurement, corporate insurance, international operations and facilities functions. These groups enable the people, processes and technology associated with our growth, change and cost leadership initiatives.
Mr. Zeleny received an organizational performance multiplier of 102.5%, and he received an individual performance multiplier of 110%,
with key accomplishments described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
    <td>&#160;</td>
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    <td style="text-align: justify">Executed our Asia-Pacific platform goals and objectives, exceeding cost reduction targets
    while ensuring a highly skilled, engaged and productive workforce.</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Led cybersecurity enhancements
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Strengthened performance
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  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>George
Henley</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Henley&#8217;s key priorities for the originations organization included growing the loan portfolio, and integrating the forward and
reverse originations channels. Under his leadership, the lending business unit earned an 85% organizational performance multiplier, with
key accomplishments described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
    <td style="width: 0.5in">&#160;</td>
    <td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Navigated through a difficult mortgage originations market, exceeding cost per loan targets by managing headcount against volume opportunity and reducing operating costs through operations optimization.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exceeded growth targets for &#8220;best efforts&#8221; and GNMA volumes, grew business-to-business clients and improved the digital customer experience.</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exceeded both Net Promoter Score and quality targets across recapture and reverse retail channels.</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>2023
Long-Term Incentive (LTIP) Awards</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
annual grant of LTIP awards is designed to promote actions and decisions aligned with our strategic objectives and reward our executives
and other program participants for long-term value creation for our shareholders in a manner that is consistent with our pay-for-performance
philosophy. The Compensation Committee periodically reviews the granting of equity awards to employees based on such factors as Company
performance, market competitive conditions and advice from its independent compensation consultant.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen&#8217;s
long-term incentive opportunity for eligible employees, including executive officers, was provided through equity awards under the 2021
Equity Incentive Plan (the 2021 Plan) adopted by shareholders on May 25, 2021 and amended May 23, 2023. The 2021 Plan authorized the
grant of restricted stock, restricted stock units, options, stock appreciation rights or other equity-based awards, including cash-settled
awards, to our employees (including executive officers), directors, advisors and consultants. We have made grants under the 2021 Plan
only to employees and directors. We implemented the 2021 Plan to motivate employees to make extraordinary efforts to achieve significant
improvements to shareholder value, support retention of key employees and align the interests of our employees with the interests of
our shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2023
LTIP awards include both a time-vesting component for retention purposes and a performance-based component to align with pay-for-performance
objectives. Half of the target value is granted as RSUs vesting in equal thirds on the first, second and third anniversaries of the grant,
and half is granted as PRSUs vesting on the third anniversary of the grant based on TSR compared to a performance peer group selected
for the awards.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee selected the following peer group as the comparator for relative TSR performance, including competitors in the
mortgage finance industry and mortgage real estate investment trusts.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annaly
    Capital Management, Inc.</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">New
    Residential Investment Corp.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cherry
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">PennyMac
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Guild
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Radian
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Redwood
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">loanDepot,
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Rocket
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">MGIC
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    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Two
    Harbors Investment Corp.</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
    Cooper Group Inc.</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">UWM
    Holdings Corporation</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Navient
    Corporation</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
PRSUs use four distinct weighted performance periods to measure overall performance, three annual periods and one three-year period,
as shown below. This structure assigns a weight more than three times greater to the three-year period while also providing incentive
for year-over-year improvements compared to the peer group.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; width: 75%; border-collapse: collapse; margin-right: auto">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Period
    #</b></span></td>
    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Measurement
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    <td style="padding-bottom: 1.5pt; width: 2%">&#160;</td>
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                                                                                <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Assigned to Measurement Period</b></span></p></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</span></td>
    <td>&#160;</td>
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    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
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    <td>&#160;</td>
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    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</span></td>
    <td>&#160;</td>
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</span></td>
    <td>&#160;</td>
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    <td>&#160;</td>
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  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
the Company achieves relative TSR at the (i) 25th percentile of its peer group for any measurement period (threshold level), 50% of the
target PRSUs are eligible to vest, (ii) 50th percentile of its peer group for any measurement period (target level), 100% of the target
PRSUs are eligible to vest, and (iii) 100th percentile, or ranked first overall, of its peer group for any measurement period (maximum
level), 200% of the target PRSUs are eligible to vest. The number of target PRSUs that may be eligible to become vested based on relative
TSR performance during each measurement period is interpolated between the applicable performance levels. No PRSUs will be earned for
a specific measurement period if TSR is below threshold. Units credited based on TSR for any performance period are subject to continued
service through the third anniversary of the grant.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below shows the annual target value opportunities for our NEOs, as approved by the Compensation Committee, granted in 2023, which
will be settled in shares.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify">Name</td><td style="padding-bottom: 1.5pt">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 46%; text-align: justify">Glen A. Messina</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">2,000,000</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">2,000,000</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 14%; text-align: right">4,000,000</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: justify">Sean O&#8217;Neil</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">325,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">325,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">650,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Scott W. Anderson<sup>(1)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">600,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dennis Zeleny<sup>(1)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">600,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">George T. Henley<sup>(1)</sup></span></td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">600,000</td><td style="text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Messrs.
                                            Anderson, Henley and Zeleny&#8217;s long-term equity targets were increased to 120% of salary
                                            (from 100% for Messrs. Anderson and Henley and from 80% for Mr. Zeleny) in recognition of
                                            significant contributions to the Company.</span></td></tr></table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
account for the volatility of the market at the time of grant and as approved by the Compensation Committee, target values set forth
in the table above were converted into the target number of units granted based on the 30-trading-day average closing share price ending
on the grant date rather than the closing share price on that date. Grants for all NEOs were made on April 3, 2023 using the 30-trading-day
average closing share price of $28.52 rather than the $27.26 closing share price on that date, resulting in a 4% decrease in the number
of units granted compared to the number of units that would have resulted using $27.26 as the denominator. However, when combined with
the application of the Monte Carlo simulation to the performance-based restricted stock units, as discussed in footnote (2) to the Summary
Compensation Table, accounting grant date fair values for the awards were 12.5% higher than the values reflected in the above table.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Special
Performance Restricted Stock Awards</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
July 31, 2023, our NEOs received equity-based awards (Special PRSUs) to strengthen their commitment to the Company during a period in
which the Company was able to navigate the most disruptive business cycle in over twenty years while recognizing their exceptional performance
in servicing our customers and clients, stabilizing the originations platform, keeping our workforce engaged and productive and maintaining
GAAP profitability. These awards include total shareholder return metric to reinforce the expectation to create shareholder value.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee, with the input of its independent consultant, considered a range of variables in determining the structure of
these awards, including the retentive and motivational effect of the award and market prevalence of these type of awards. After reviewing
these factors, the Committee determined that it was in the best interests of the Company to further incentivize leadership team retention
with performance-based stock unit awards vesting twelve months from the grant date based on continued employment and subject to certain
conditions through the vesting date.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
PRSUs will vest on the first anniversary of the grant based on TSR compared to the same performance peer group selected for the annual
awards, outlined above. If the Company achieves relative TSR at the (i) 25th percentile of its peer group for any measurement period
(threshold level), 50% of the target PRSUs are eligible to vest, (ii) 50th percentile of its peer group for any measurement period (target
level), 100% of the target PRSUs are eligible to vest, and (iii) 100th percentile, or ranked first overall, of its peer group for any
measurement period (maximum level), 150% of the target PRSUs are eligible to vest. The number of target PRSUs that may be eligible to
vest based on relative TSR performance during the measurement period is interpolated between the applicable performance levels. 50% of
target PRSUs will be earned if TSR is below threshold.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below outlines the value of these awards to our NEOs, which will be settled in shares.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 50%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify">Name</td><td style="padding-bottom: 1.5pt">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target Value of</b></span></p>
                                                                                 <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance-Restricted</b></span></p>
                                                                                 <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stock Units</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="padding-bottom: 1.5pt">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 56%; text-align: left">Glen A. Messina</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 40%; text-align: right">900,000</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Sean B. O&#8217;Neil</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">302,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">Scott W. Anderson</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">320,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Dennis Zeleny</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">248,000</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">George T. Henley</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">300,000</td><td style="text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Performance
Results of Long-Term Incentive Awards</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Since
the annual LTIP program was introduced March 29, 2019, half of all executives&#8217; annual long-term equity targets have been granted
as performance-based units based on TSR performance during applicable measurement periods to align with pay-for-performance objectives.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
2020, we adopted a multi-period relative TSR performance measurement structure used through 2023, in which the final number of PRSUs
that are eligible to vest is determined by Ocwen&#8217;s TSR rank relative to a performance peer group during each of four weighted performance
periods &#8211; three annual periods and one three-year period &#8211; as described above. Each LTIP grant year uses a different performance
peer group, and the performance periods are established based on the grant date and subsequent anniversaries. The Special PRSUs use only
a one-year performance period. Following is an outline of performance for awards granted 2020-2023 as of March 31, 2024.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: black 1.5pt solid"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period</b></span></td>
    <td>&#160;</td>
    <td colspan="2" style="border-bottom: black 1.5pt solid">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><b>1</b></p>
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    <td>&#160;</td>
    <td>&#160;</td>
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    <td>&#160;</td>
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    <td>&#160;</td>
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    <td>&#160;</td>
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    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
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    <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="width: 1%">&#160;</td>
    <td style="width: 9%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</span></td>
    <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="width: 1%">&#160;</td>
    <td style="width: 9%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</span></td>
    <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="width: 1%">&#160;</td>
    <td style="width: 9%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</span></td>
    <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="width: 1%">&#160;</td>
    <td style="width: 9%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">100</span></td>
    <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
    <td colspan="21"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3/30/2020 LTIP PRSU Performance(1)</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
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    <td>&#160;</td>
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.9</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">97.6</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">80.3</span></td>
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;</span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
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    <td>&#160;</td>
    <td>&#160;</td>
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    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">53.8</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">195.2</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">160.6</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;</span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>21.2</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.1</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>29.3</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>88.3</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>146.9</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td colspan="21"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3/2/2021 LTIP PRSU Performance(2)</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Relative TSR Percentile</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">87.6</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66.6</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.3</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">57.1</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;</span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Achievement Level</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">175.2</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">133.2</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">114.2</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;</span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: white">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>26.3</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>20.0</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#8212;%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>62.8</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>109.1</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: #CCEEFF">
    <td colspan="21"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3/31/2022 LTIP PRSU Performance(3)</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">90.9</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</span></td>
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>50.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>33.8</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">181.8</span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">%</span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8212;</span></td>
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>100.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>67.6</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>27.3</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#8212;</b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>%</b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>15.0</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>37.2</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>79.5</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td colspan="21"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4/3/2023 LTIP PRSU Performance(4)</b></span></td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td>&#160;</td>
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    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>50.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>50.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
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    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>100.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>100.0</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>%</i></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>&#8212;</i></span></td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#8212;</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>15.0</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>15.0</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
    <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#8212;</i></b></span></td>
    <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>%</i></b></span></td>
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0">
  <tr style="vertical-align: top">
    <td style="width: 0.75in">&#160;</td>
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  <tr style="vertical-align: top">
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
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  <tr style="vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2023 Special: Results for one-year performance period are interim.</span></td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"></p>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Other
Compensation</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
policy with respect to employee benefit plans generally is to provide benefits to our employees, including our executive officers, which
are comparable to benefits offered by companies of a similar size. We believe that a competitive comprehensive benefit program is essential
to achieving the goal of attracting and retaining highly-qualified employees. Our NEOs participate in the benefit plans offered to our
salaried employees, generally, including medical, dental, life and disability insurance plans, and a 401(k) plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
2022, we introduced the Ocwen Executive Non-Qualified Deferred Compensation Plan (NQDC), a voluntary program that allows executives to
defer portions of earned salary or AIP to be settled at a future date. The Company does not offer any additional contributions, matching
or otherwise, to participating executives; however, they will be credited with earnings or losses on their deferred income at the elected
time of distribution based on their elected &#8220;deemed&#8221; investment options.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Stock
Ownership and Prohibition against Short Sales, Hedging and Margin Accounts</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Although
we do not have stock ownership requirements for our executives (other than Mr. Messina, who is subject as director to our Corporate Governance
Guidelines regarding stock ownership and retention), our philosophy is that equity ownership by our executives is important to attract,
motivate and retain executives, as well as to align their interests with those of our shareholders. The Compensation Committee believes
that the Company&#8217;s equity plans are adequate to achieve this philosophy. Additionally, effective with equity granted to executives
on or after March 31, 2022, shares acquired on vesting pursuant to those awards will be subject to a one-year holding period.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
maintain an Insider Trading Prevention Policy that governs the timing of transactions in securities of the Company by directors and executives.
In addition, this policy prohibits any director, officer or employee from engaging in any short sale of the Company&#8217;s stock, establishing
and using a margin account with a broker-dealer for the purpose of buying or selling Company stock, pledging Company securities as collateral
for a loan, buying or selling puts or calls on the Company&#8217;s stock and engaging in any other transaction that hedges the economic
risk associated with the ownership of the Company&#8217;s securities. This policy is designed to encourage investment in the Company&#8217;s
stock for the long term and to discourage active trading or short-term speculation.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Clawback
Policy </i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company adopted an incentive compensation clawback policy on November 10, 2023 that complies with the new SEC rules under the Dodd-Frank
Wall Street Reform and Consumer Protection Act and related stock exchange listing rules. The Company&#8217;s rights to recoupment under
the clawback policy are in addition to any other rights of recoupment under the terms of any equity incentive plan or individual award.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Restrictive
Covenants</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
of our NEOs have executed an intellectual property and non-disclosure agreement. This agreement requires the NEO to hold all &#8220;confidential
information&#8221; in trust for us and prohibits the NEO from using or disclosing such confidential information except as necessary in
the regular course of our business or as otherwise required by law. In connection with the special cash awards granted in 2020, all of
our NEOs (other than Mr. Messina and Mr. O&#8217;Neil, who were not provided such an award) agreed to (i) certain non-compete covenants
during their term of employment and (ii) certain covenants relating to the non-solicitation of employees and non-interference with business
relationships until September 10, 2023 (whether or not employed by the Company during such period). From time to time, we enter into
separation agreements with executive officers that contain non-competition and non-solicitation provisions. In addition, certain of our
equity award agreements contain provisions that provide that post-retirement vesting or exercise of the award, as applicable, is dependent
on compliance with certain covenants.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Tax
Considerations</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section
162(m) of the Internal Revenue Code generally disallows public companies a tax deduction for compensation in excess of $1,000,000 paid
to its &#8220;covered employees.&#8221; Prior to federal tax reform enacted in December 2017, Section 162(m) included an exception to
this limitation on deductibility for qualifying &#8220;performance-based compensation,&#8221; provided that certain performance and other
requirements are met. Under the 2017 tax legislation, for taxable years beginning after December 31, 2017, there is no longer an exception
to the deductibility limit for qualifying &#8220;performance-based compensation&#8221; unless the compensation qualifies for transition
relief applicable to certain arrangements in place as of November 2, 2017. Also under the 2017 legislation, the definition of &#8220;covered
employees&#8221; has been expanded to include a company&#8217;s chief financial officer (in addition to the chief executive officer and
three other most highly paid executive officers), plus any individual who has been a &#8220;covered employee&#8221; in any taxable year
beginning after December 31, 2016. As one of the factors in its consideration of compensation matters, the Compensation Committee considers
the anticipated tax treatment to the Company of various payments and benefits, including the impact of Section 162(m). However, we reserve
the right to design programs that may not be deductible under Section 162(m) if we believe they are nevertheless appropriate to help
achieve our executive compensation program objectives, and in any case, there can be no assurance that any compensation paid by the Company
will be fully deductible.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>CEO
Pay-Ratio Disclosure</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the Securities Exchange Act of 1934, as amended, we are required to disclose in this proxy statement the ratio of the total annual
compensation of our CEO to the median of the total annual compensation of all of our employees (excluding our CEO). Based on Securities
and Exchange Commission rules for this disclosure and applying the methodology described below, we have determined that Mr. Messina&#8217;s
total compensation for 2023 was $8,153,781 and the median of the total 2023 compensation of all of our employees (including our India
and Philippines operations and excluding our CEO) was $35,528 (after applying a cost-of-living adjustment and converting foreign currency
to U.S. dollars, as described below). Accordingly, we estimate the cost-of-living-adjusted ratio of our CEO&#8217;s total compensation
for 2023 to the median of the total 2023 compensation of all of our employees (excluding our CEO) to be 230 to 1.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
we only considered our U.S.-based employees (excluding our CEO) in identifying the median employee using the methodology otherwise described
above, we determined that our median U.S.-based employee&#8217;s total compensation was $76,156. Accordingly, we estimate the resulting
ratio of our CEO&#8217;s total compensation to the median of the total compensation of all our U.S.-based employees (excluding our CEO)
to be 107 to 1.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
identified the median employee by taking into account the total compensation paid during 2023 to all individuals, excluding our CEO,
who were employed by us or one of our subsidiaries on December 31, 2023. We included all employees, whether employed on a full-time,
part-time, or seasonal basis. We did not annualize the compensation for any employees who were not employed by us for all of 2023. We
applied a cost of living adjustment to employees employed outside of the United States as described below. Once the median employee was
identified as described above, that employee&#8217;s total compensation was determined using the same rules that apply to reporting the
compensation of our Named Executive Officers (including our CEO) in the &#8220;Total&#8221; column of the Summary Compensation Table.
The total compensation amounts included in the first paragraph of this pay-ratio disclosure were determined based on that methodology
(in the case of the median employee&#8217;s compensation, as adjusted for cost-of-living and currency conversion as described below).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
calculating the compensation of our employees in the Philippines, we applied a currency conversion factor based on the U.S. dollar
to Philippines Peso exchange rate as of December 31, 2023. In calculating the compensation of our employees in India, we applied a
currency conversion factor based on the U.S. dollar to Indian Rupee exchange rate as of December 31, 2023.<sup> 1 </sup> As
permitted under SEC rules, in identifying the median employee and in presenting the median employee&#8217;s total 2023 compensation
above, we applied a cost-of-living adjustment to the compensation of employees outside the United States based on a purchasing power
parity conversion factor published by The World Bank for 2022.<sup>2 </sup> Using this methodology, we determined that our median
employee is employed in India. If we had determined the median employee and total compensation as described above but had not
applied a cost-of-living adjustment to identify our median employee or calculate our median employee&#8217;s total compensation, the
median of the total compensation of all of our employees (excluding our CEO) would have been $10,987 and we estimate the resulting
ratio of our CEO&#8217;s total compensation to the median of the total compensation of all of our employees (excluding our CEO)
would have been 742 to 1.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>




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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Report
of the Compensation Committee</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee of the Board of Directors has reviewed and discussed the Compensation Discussion and Analysis of this proxy statement
with management.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April
    12, 2024</span></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Compensation
    Committee:</b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jacques
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  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">DeForest
    B. Soaries, Jr., Director</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kevin
    Stein, Director</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center; text-indent: 0in"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">&#160;</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: justify"><sup>1 </sup>As reported by the U.S. Bureau of the
Fiscal Service Treasury Reporting Rates of Exchange as of December 31, 2023, the Indian Rupee to U.S. Dollar to conversion rate was 83.162:1
and the Philippines Peso to U.S. Dollar to conversion rate was 55.451:1.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><sup></sup></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><sup>2</sup> The &#8220;price level ratio of PPP
conversion factor (GDP) to market exchange rate&#8221; published by the World Bank indicates how many U.S. dollars are needed to buy
one U.S. dollar&#8217;s worth of goods in a particular country. For 2022, the most recent data accessible, the ratios reported for India
and the Philippines were both 0.3, meaning the local currency equivalent of $1 purchased $3.33 worth of goods in those countries. Accordingly,
we multiplied the 2023 compensation of each employee based in India and in the Philippines by 3.33 prior to identifying the employee
with the median of the total compensation and in presenting such employee&#8217;s total compensation in order to reflect a cost-of-living
adjustment.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Summary
Compensation Table - 2021, 2022 and 2023</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides information concerning the compensation of our named executive officers for the 2023, 2022 and 2021 fiscal years.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">790,401</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">500,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">228,638</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,150</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,266,913</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-size: 11pt">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2021</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">423,077</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">150,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">621,285</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">548,864</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,743,226</td><td style="text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span>&#160;</p>
<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
                                            O&#8217;Neil assumed the role of Executive Vice President and Chief Financial Officer on
                                            June 13, 2022. In 2023, he received the second installment of his signing bonus, which is
                                            reported in the &#8220;Bonus&#8221; column.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            the aggregate grant date fair value of stock awards computed in accordance with FASB ASC
                                            718. These amounts do not represent the actual amounts paid to or realized by the executive.
                                            We based the grant date fair value of stock awards with a service condition on the closing
                                            prices of our common stock as reported on the New York Stock Exchange on the date of grant
                                            of the awards. The grant date fair value of stock unit awards with both a service condition
                                            and a market-based vesting condition is based on the output of a Monte Carlo simulation.
                                            Additional detail regarding the calculation of these values is included in Note 22 to our
                                            audited financial statements for the fiscal year ended December 31, 2023, which are included
                                            in our Annual Report on Form 10-K filed with the Securities and Exchange Commission on February
                                            27, 2024. As to the stock awards granted in 2023 with market-based vesting conditions, the
                                            grant date fair value of each of these awards (calculated based on the output of a Monte
                                            Carlo simulation, which is the value of these awards included in the Summary Compensation
                                            Table above) is presented in the &#8220;Grants of Plan-Based Awards for 2023&#8221; table
                                            below, and the value of these awards assuming that the highest level of performance conditions
                                            will be achieved is $8,684,088 for Mr. Messina, $1,687,357 for Mr. O&#8217;Neil, $1,630,627
                                            for Mr. Anderson, $1,595,151 for Mr. Zeleny, and $1,502,958 for Mr. Henley.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            annual cash incentive compensation earned in the corresponding year and paid in the first
                                            quarter of the following year.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amounts
                                            shown in this column are set forth in the supplemental &#8220;All Other Compensation&#8221;
                                            table below.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(5)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective
                                            as of December 31, 2023, Mr. Henley departed the Company as Executive Vice President and
                                            Chief Growth Officer in conjunction with a leadership transition initiated by Ocwen.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>&#160;</sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
more information about the elements of the compensation paid to our named executive officers, see &#8220;Compensation Discussion and
Analysis&#8221; above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>




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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>All
Other Compensation</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides additional information about the amounts that appear in the &#8220;All Other Compensation&#8221; column in the
Summary Compensation Table.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center">Executive Officer</td><td style="padding-bottom: 1.5pt">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 12%; text-align: right">9,900</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 12%; text-align: right">&#8212;</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 12%; text-align: right">9,900</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Sean B. O&#8217;Neil</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">Scott W. Anderson</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,900</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,900</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Dennis Zeleny</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,900</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,900</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">George T. Henley</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">790,401</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">790,401</td><td style="text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reflects
                                            employer matching contributions made under the Ocwen Financial Corporation 401(k) Savings
                                            Plan.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;Other&#8221;
                                            reflects the values of payments made to Mr. Henley in exchange for the general release of
                                            claims upon his departure from the Company and from his role as Executive Vice President
                                            and Chief Growth Officer effective December 31, 2023, in conjunction with a leadership transition
                                            initiated by Ocwen as outlined below, inclusive of (i) $750,000 pursuant to benefits entitled
                                            to him under the Company&#8217;s United States Basic Severance Plan, and (ii) $40,401 payout
                                            of accrued paid time off balances.</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Grants
of Plan-Based Awards for 2023</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides information related to awards granted in 2023 under our 2021 Equity Incentive Plan and our 1998 Annual Incentive
Plan, as amended.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="text-align: center">&#160;</td>
    <td style="text-align: center">&#160;</td>
    <td colspan="2" style="text-align: center">&#160;</td>
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    <td style="text-align: center">&#160;</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span>&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These
                                            amounts represent the potential non-equity compensation that would have been earned by each
                                            respective executive officer for 2023 service under the different achievement levels under
                                            their 2023 annual incentive opportunity, which are more fully discussed in &#8220;Compensation
                                            Discussion and Analysis,&#8221; pursuant to our 1998 Annual Incentive Plan. Under our current
                                            compensation structure, all non-equity incentive compensation is paid to the executive officer
                                            within the first four months 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 for 2023 service is set forth in the &#8220;Non-Equity Incentive Plan Compensation&#8221;
                                            column of the &#8220;Summary Compensation Table&#8221; above.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">See
                                            footnote (2) under &#8220;Summary Compensation Table&#8221; above for detail regarding the
                                            methodology used to calculate Grant Date Fair Value.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">PRSU
                                            awards are earned based on the Company&#8217;s TSR relative to its peer group during multiple
                                            performance periods spanning April 3, 2023 through April 3, 2026, and vest at the third anniversary
                                            of the grant date. Awards will be settled in equity, if earned. Refer to &#8220;Compensation
                                            Discussion and Analysis - 2023 Long-Term Incentive (LTIP) Awards&#8221; for additional details.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">RSU
                                            awards granted on April 3, 2023, vest in three equal installments on the first, second and
                                            third anniversary dates of the grant, subject to continued employment. Awards are settled
                                            in equity, but they do not have any rights of a shareholder with respect to any of the shares
                                            subject to the award until such units are vested.</span></td></tr>
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<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(5)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">PRSU
                                            awards are earned based on the Company&#8217;s Total Shareholder Return relative to its peer
                                            group during the performance period spanning July 31, 2023 through July 31, 2024, and vesting
                                            on the anniversary of the grant date. Awards will be settled in equity, if earned. Refer
                                            to &#8220;Compensation Discussion and Analysis - 2023 Long-Term Incentive Program&#8221;
                                            for additional details.</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Outstanding
Equity Awards at Fiscal Year-End</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides information regarding outstanding equity awards at December 31, 2023 for Ocwen&#8217;s named executive officers.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span>&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consists
                                            of equity awards with respect to which, as of December 31, 2023, any applicable performance
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consists
                                            of option awards with respect to which, as of December 31, 2023, the applicable performance
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(3)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            dollar amounts shown in these columns are determined by multiplying the number of unvested
                                            shares or units subject to the award by $30.76, the closing price of a share of our common
                                            stock on the New York Stock Exchange on December 29, 2023 (the last trading day of 2022).</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(4)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consists
                                            of equity awards with respect to which, as of December 31, 2023, the applicable time-based
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(5)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            RSUs granted March 2, 2021. One-third of granted units vested on each of the first and second
                                            anniversaries of the grant, with the remaining units vesting on the third anniversary of
                                            the grant date, and which will settle in shares.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(6)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            RSUs granted March 31, 2022 (June 13, 2022 to Mr. O&#8217;Neil). One-third of granted units
                                            vested on the first anniversary of the grant, with the remaining units vesting in equal tranches
                                            on the second and third anniversaries of the grant date, and which will settle in shares.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(7)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            RSUs granted April 3, 2023, vesting in equal tranches on the first, second and third anniversaries
                                            of the grant date, and which will settle in shares.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(8)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            PRSUs granted March 2, 2021, vesting on the third anniversary of the grant date. These PRSUs
                                            are earned based on the Company&#8217;s TSR relative to its peer group during four weighted
                                            performance periods (the first from March 2, 2021 through March 2, 2022 weighted at 15%,
                                            the second from March 2, 2022 through March 2, 2023 weighted at 15%, the third from March
                                            2, 2023 through March 2, 2024 weighted at 15%, and the fourth from March 2, 2021 through
                                            March 2, 2024 weighted at 55%). Performance during the first and second periods earned 175.2%
                                            and 133.2% of target units, respectively, subject to continued vesting requirements. Awards
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(9)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            PRSUs granted March 31, 2022 (June 13, 2022 to Mr. O&#8217;Neil), vesting on the third anniversary
                                            of the grant date. These PRSUs are earned based on the Company&#8217;s TSR relative to a
                                            performance peer group during four weighted performance periods (the first from March 31,
                                            2022 through March 31, 2023 weighted at 15%, the second from March 31, 2023 through March
                                            31, 2024 weighted at 15%, the third from March 31, 2024 through March 31, 2025 weighted at
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(10)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            PRSUs granted April 3, 2023, vesting on the third anniversary of the grant date. These PRSUs
                                            are earned based on the Company&#8217;s TSR relative to a performance peer group during multiple
                                            performance periods between April 3, 2023 through April 3, 2026, as described in the &#8220;2023
                                            Long-Term Incentive (LTIP) Awards&#8221; section above. Awards will settle in shares, if
                                            earned. Amounts reported assume minimum levels of achievement.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(11)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            PRSUs granted July 31, 2023, vesting on the anniversary of the grant date. These PRSUs are
                                            earned based on the Company&#8217;s TSR relative to its peer group during the performance
                                            period between July 31, 2023 through July 31, 2024, as described in the &#8220;2023 Long-Term
                                            Incentive Awards&#8221; section above, and which will settle in shares, if earned. Amounts
                                            reported assume minimum levels of achievement.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(12)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            RSUs granted June 13, 2022 to Mr. O&#8217;Neil. One-fourth of granted units vested on the
                                            first anniversary of the grant, with the remaining units vesting in equal tranches on the
                                            second, third and fourth anniversaries of the grant date, and which will settle in shares.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(13)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            non-qualified stock options (NQSOs) granted to Mr. Anderson May 14, 2014, one-fourth of which
                                            vest upon achieving a stock price of $1,003.50 and compounded annual gain of 20% over the
                                            exercise price, with the balance vesting one-fourth each subsequent anniversary.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(14)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                            NQSOs granted to Mr. Anderson May 14, 2014, one-fourth of which vest upon achieving a stock
                                            price of $1,505.25 and compounded annual gain of 25% over the exercise price, with the balance
                                            vesting one-fourth each subsequent anniversary.</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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    <div style="break-before: page; margin-top: 6pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup></sup></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Option
Exercises and Stock Vested During 2023</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides information relating to the amounts realized on the exercise of options and the vesting of restricted stock
during fiscal year 2023 for the individuals named in the Summary Compensation Table.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font-weight: bold"/><td style="padding-bottom: 1.5pt; font-weight: bold">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 16%; text-align: right">&#8212;</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 16%; text-align: right">178,872</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 16%; text-align: right">4,756,373</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">17,250</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">514,222</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">23,371</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">620,237</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">30,298</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">799,200</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">18,302</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">551,455</td><td style="text-align: left">&#160;</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span>&#160;</p>
<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(1)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">No
                                            options were exercised during 2023.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><sup>(2)</sup></span></td><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            dollar amounts shown in this column for stock awards are calculated based on the closing
                                            price of a share of our common stock on the New York Stock Exchange on the date of vesting.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><sup>&#160;</sup></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Potential
Payments upon Termination or Change in Control</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
would treat any termination of employment of a named executive officer as we believe is appropriate in light of the circumstances, subject
to the terms of our agreements with the executive, including Severance Plans, employment offer letters, any equity award agreement and
the intellectual property, non-disclosure, non-competition and non-solicitation agreements discussed above under &#8220;Restrictive Covenants,&#8221;
and our clawback policy, as applicable. In addition, a named executive officer would typically retain any vested portion of prior equity
awards granted through the 1998 Annual Incentive Plan, our prior 2007 and 2017 equity incentive plans and the 2021 Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
believe that the provisions in our option, RSU and PRSU award agreements relating to change in control support our compelling business
need to incentivize the retention of key employees during the uncertain times preceding a potential change in control. As described below,
our RSUs and PRSUs provide for accelerated vesting following a change in control only if such change in control is followed by actual
or constructive termination (i.e., a &#8220;double trigger&#8221;), in order to further incentivize post-change in control retention
and engagement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Treatment
of Options. </i></b>Our stock option agreements generally provide that, in the event of death, disability, retirement or termination
by the Company without cause, in each case as defined in the applicable stock option agreement, (i) all unvested options that vest over
a certain time period (time-based) would immediately vest; (ii) all unvested options that vest in accordance with the fulfillment of
market conditions or other performance criteria (performance-based) would generally continue to vest if the particular performance criteria
is satisfied (in the case of retirement or termination without cause, within 90 days of termination); and (iii) all vested options generally
terminate within a specified timeframe. Upon termination for cause, all vested and unvested options are immediately terminated. Additionally,
pursuant to these stock option agreements, if there is a &#8220;change in control&#8221; as defined in the applicable stock option agreement,
all options would immediately vest.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Treatment
of RSUs and PRSUs.</i></b> In the case of death or disability, the awards will immediately vest on a pro-rata basis in proportion to
the percentage of the vesting period the participant served prior to termination, except that for the PRSUs granted July 31, 2023, all
unvested units will vest. For the PRSUs granted in 2021 or 2022, any outstanding and incomplete measurement periods shall be deemed to
have been achieved at target level. For the PRSUs granted in 2023, any open and incomplete measurement period shall be measured as of
the termination date, and any measurement periods yet to begin shall be deemed to have been achieved at target level.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
the event of voluntary resignation (other than for good reason, as defined in the applicable award agreements), any unvested portion
of an award will be forfeited.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Upon
a termination without cause or retirement, the RSUs will immediately vest on a pro-rata basis in proportion to the percentage of the
vesting period the participant served prior to termination. For the PRSUs granted in 2021 or 2022, the number of units that remain eligible
to become vested, subject to achievement of applicable performance objectives at the end of the three-year cliff-vesting period, are
calculated on a pro-rata basis in proportion to the percentage of the vesting period the participant served prior to termination. For
the performance-restricted stock units granted April 3, 2023, the PRSUs will immediately vest on a pro-rata basis in proportion to the
percentage of the vesting period the participant served prior to termination, any open and incomplete measurement period shall be measured
as of the termination date, and any measurement periods yet to begin shall be deemed to have been achieved at target level. For the awards
granted July 31, 2023, all unvested units will immediately vest and the measurement period shall be measured as of the termination date.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
the event of a change in control, awards continue vesting in accordance with their terms, and any outstanding and incomplete measurement
periods shall be deemed to have been achieved at target level. If, within 12 months of such change in control, the Company terminates
the participant&#8217;s employment for any reason other than for cause, or the participant resigns for good reason, the awards will vest
at target level as of the date of termination.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Payments
for Mr. Messina. </i></b>In the event of Mr. Messina&#8217;s termination without cause or resignation for good reason, under the terms
of his offer letter he will be entitled to receive (i) a lump sum termination payment in an amount equal to the sum of his base salary
plus his annual target incentive, plus the estimated cost of 18 months&#8217; COBRA benefit premiums, (ii) a pro rata portion of his
annual bonus payment based on actual achievement of Ocwen performance objectives, and (iii) payment of any unpaid prior year bonus. If
within two years following a change in control his employment is terminated without cause or he resigns for good reason, the value of
his lump sum termination payment will increase to two years of base salary, target incentive and COBRA benefit premiums, in addition
to continued bonus eligibility outlined above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Payments
for Mr. O&#8217;Neil.</i></b> In the event of Mr. O&#8217;Neil&#8217;s termination without cause or resignation for good reason within
his first four years of employment, under the terms of his offer letter he will be entitled to receive (i) the value of any unpaid cash
sign-on bonus payments, (ii) any unvested sign-on restricted stock units, and (iii) severance benefits consistent with a qualifying termination
of employment under the applicable Severance Plan, as described below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Severance
Plans. </i></b>Messrs. Anderson, O&#8217;Neil and Zeleny are eligible for severance benefits upon a qualifying termination of employment,
conditioned upon the execution of a separation and release agreement, consistent with either the United States Basic Severance Plan (the
Severance Plan) or the United States Change in Control Severance Plan (the CIC Plan).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
the Severance Plan, if an executive officer&#8217;s employment with the Company is terminated by the Company due to an eligible termination
as defined in the Severance Plan, the executive will be entitled to receive the following benefits: (i) a lump sum payment equal to 18
times the monthly base salary rate; and (ii) eligibility for subsidized COBRA benefit premiums for continued healthcare coverage for
up to 18 months, if elected.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
the CIC Plan, if a Change in Control (as defined in the CIC Plan) occurs and either the participant&#8217;s employment is involuntarily
terminated or he or she resigns for good reason within the 12-month period following the Change in Control or he or she has been requested
by the Company to continue in the employment of the Company through a specified date following a Change in Control and the participant
remains in the employment of the Company for such specified period, the executive will be entitled to receive the following benefits,
in lieu of and not in addition to, the benefits described in the preceding paragraph: (i) a lump sum payment equal to 24 times the monthly
base salary rate, plus the annual target incentive under the Annual Incentive Plan prorated for their length of service for the year
in which the termination occurs; and (ii) eligibility for subsidized COBRA benefit premiums for continued healthcare coverage for up
to 24 months, if elected.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i><sup>&#160;</sup></i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Tabular
Disclosure of Payments on Termination or Change in Control</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below sets forth the potential benefits that each named executive officer serving as of December 31, 2023 would have been entitled
to receive from the Company as described above upon a termination of employment under the circumstances described above, and the potential
benefits that each individual would have been entitled to receive with respect to accelerated vesting of equity awards had a termination
of employment under the circumstances described above or a change in control of the Company occurred, assuming that the event occurred
on the last day of fiscal year 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
value of any outstanding equity awards that would accelerate is determined by multiplying (i) the number of unvested restricted stock
units held by the named executive officer that would accelerate by (ii) $30.76, the closing price of a share of our common stock on the
New York Stock Exchange on December 29, 2023 (the last trading day of the year). Additionally, at that share price, no stock options
for which vesting would accelerate had value.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 37%; text-align: left">Glen A. Messina</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">&#160;</td><td style="width: 5%; text-align: right">&#8212;</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2,289,182</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2,624,631</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">4,036,755</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">762,172</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">553,994</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">Scott W. Anderson</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">750,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,140,957</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2,545,290</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">755,125</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">390,957</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">Dennis Zeleny</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">750,000</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,117,742</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2,428,556</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">701,515</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">367,742</td><td style="text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Separation
Payments for George Henley</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective
as of December 31, 2023, Mr. Henley departed the Company as Executive Vice President and Chief Growth Officer. The Company entered into
a separation and release agreement with Mr. Henley in connection with a leadership transition initiated by Ocwen, pursuant to which he
received the benefits entitled to him under the Severance Plan (see &#8220;All Other Compensation&#8221; table above) and settlement
of outstanding RSU and PRSU awards pursuant to the applicable terms of the respective awards (see &#8220;Option Exercises and Stock Vested
During 2023&#8221; table and &#8220;Potential Payments upon Termination or Change in Control&#8221; section above). The separation and
release agreement provides for a release of claims against the Company and for Mr. Henley to comply with certain non-solicitation and
other covenants in the interest of the Company. As a participant in Ocwen&#8217;s Executive Non-Qualified Deferred Compensation Plan,
upon his termination Mr. Henley was entitled to previously deferred compensation amounts and related earnings which are not included
in the above amounts.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>APPROVAL
OF AN AMENDMENT TO OUR ARTICLES OF INCORPORATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>TO
CHANGE OUR NAME TO ONITY GROUP INC. </b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Proposal
Two)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
April 10, 2024, the Board adopted a resolution approving an amendment to Article I of the Company&#8217;s Amended and Restated Articles
of Incorporation, as amended (our Articles of Incorporation) to effect a name change and recommended that the name change amendment be
submitted to shareholders for approval. The Board believes that it is in the best interest of the Company to change its name from Ocwen
Financial Corporation to Onity Group Inc. and recommends the approval of the name change amendment to the Company&#8217;s shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 18.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Reasons
for the name change</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over
the past five years, the Company has embarked on an extensive transformation of its business. During this time, Ocwen has steadily grown
its mortgage servicing and subservicing portfolios, built a strong and scalable servicing platform with industry-leading cost and operational
performance, added multi-channel originations and asset management capabilities, established multiple capital partner relationships to
enable capital-light servicing growth, and made significant technology investments to modernize its global platform.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Rebranding
to Onity Group is the culmination of the Company&#8217;s transformation, growth and expansion into a balanced and diversified mortgage
company and reflects the confidence of the Board and management in the strength of the business and its long-term enterprise value.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&#8217;s principal operating subsidiary, PHH Mortgage Corporation, will maintain its current name at this time. The Company expects
to begin rebranding PHH Mortgage Corporation to Onity Mortgage later this year to align this subsidiary&#8217;s name with the new name
of the Company.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Rationale
for the new name</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deeply
embedded in the Company&#8217;s culture is its intention to consistently deliver on its commitments to achieve positive outcomes for
all of its stakeholders. This attitude is central to the Company&#8217;s mission, values and operating principles, and the Company firmly
believes that all employees must strive to deliver this level of commitment and service.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
a rigorous research and brand strategy development analysis, the Company selected Onity as its primary brand name. The Company believes
its new name reflects the capabilities of a hard-working team with a can-do, problem-solving culture and the promise of dependability,
performance and support. Within the name Onity is the phrase &#8220;on it,&#8221; which conveys action and commitment to getting the
job done.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Effects
of the name change</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
the name change amendment is approved by shareholders, the name change will be effective when the amendment to the Articles of Incorporation
is filed with the Secretary of State of the State of Florida. The Company has reserved the NYSE stock symbol &#8220;ONIT.&#8221; If the
name change amendment is approved, the Company intends to request that its common stock trade under this new stock symbol, rather than
under the current &#8220;OCN&#8221; symbol.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
the name change amendment is approved by shareholders, Article I of the Company&#8217;s Articles of Incorporation will be amended to
read in its entirety as follows: &#8220;The name of this corporation is Onity Group Inc.&#8221; No other changes to the Articles of Incorporation
will be included in the amendment thereof.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
change of the Company&#8217;s name will not in any way affect the voting or other rights that accompany the Company&#8217;s common stock
or the validity or transferability of our shares currently outstanding, and no action by shareholders will be required in connection
with the name change.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OUR
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS THAT YOU VOTE &#8220;FOR&#8221; THE</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>APPROVAL
OF THE AMENDMENT TO OUR ARTICLES OF INCORPORATION TO CHANGE OUR NAME TO ONITY GROUP INC .</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>RATIFICATION
OF APPOINTMENT OF</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>INDEPENDENT
REGISTERED PUBLIC ACCOUNTING FIRM</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Proposal
Three)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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, 2024 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&#8217;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 registered public accounting firm. Even if this appointment is ratified, the Audit Committee, in its
discretion, may direct the appointment of a different independent registered public accounting firm at any time during the year if the
Audit Committee determines that such a change would be in the best interests of the Company and its shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OUR
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS THAT YOU VOTE &#8220;FOR&#8221; THE</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>RATIFICATION
OF DELOITTE &amp; TOUCHE LLP AS OUR INDEPENDENT REGISTERED PUBLIC</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ACCOUNTING
FIRM FOR 2024.</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Report
of the Audit Committee</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Audit Committee of the Board of Directors has:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reviewed
                                            and discussed with management Ocwen&#8217;s audited financial statements as of and for the
                                            year ended December 31, 2023;</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"/><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Discussed
                                            with Deloitte &amp; Touche LLP, Ocwen&#8217;s independent registered public accounting firm,
                                            the matters required to be discussed by the applicable requirements of the Public Company
                                            Accounting Oversight Board and the Securities and Exchange Commission; and</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif">&#160;</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify">&#160;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif"/><td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Received
                                            and reviewed the written disclosures and the letter required by the applicable requirements
                                            of the Public Company Accounting Oversight Board regarding the independent registered certified
                                            public accounting firm&#8217;s communications with the Audit Committee concerning independence
                                            and discussed with Deloitte &amp; Touche LLP their independence.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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&#8217;s annual report on Form 10-K for the year ended December 31, 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Audit Committee operates under a written charter approved by our Board of Directors, a copy of which is available on our website at <span style="text-decoration: underline">www.ocwen.com</span>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April
    12, 2024</span></td>
    <td style="width: 2%">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 49%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Audit
    Committee </b></span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Alan
    J. Bowers, Chair</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jenne
    K. Britell, Director</span></td></tr>
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td>&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Jacques
    J. Busquet, Director</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Deloitte
&amp; Touche LLP Fees</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table shows the aggregate fees billed to Ocwen for professional services by Deloitte &amp; Touche LLP for fiscal years 2023
and 2022:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="text-align: center">&#160;</td><td style="font-weight: bold; padding-bottom: 1.5pt">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1.5pt; font-weight: bold">&#160;</td><td style="font-weight: bold; padding-bottom: 1.5pt">&#160;</td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1.5pt; font-weight: bold">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 60%; font-weight: bold; text-align: left">Audit Fees</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">$</td><td style="width: 16%; text-align: right">2,769,498</td><td style="width: 1%; text-align: left">&#160;</td><td style="width: 2%">&#160;</td>
    <td style="width: 1%; text-align: left">$</td><td style="width: 16%; text-align: right">3,617,086</td><td style="width: 1%; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="font-weight: bold; text-align: left">Audit Related Fees</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">850,350</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,287,416</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-weight: bold; text-align: left">Tax Fees</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,164,982</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,094,928</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="font-weight: bold; text-align: left; padding-bottom: 1.5pt">All Other Fees</td><td style="padding-bottom: 1.5pt">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; text-align: left">&#160;</td><td style="border-bottom: Black 1.5pt solid; text-align: right">&#8212;</td><td style="padding-bottom: 1.5pt; text-align: left">&#160;</td><td style="padding-bottom: 1.5pt">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; text-align: left">&#160;</td><td style="border-bottom: Black 1.5pt solid; text-align: right">&#8212;</td><td style="padding-bottom: 1.5pt; text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-weight: bold; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt">&#160;</td>
    <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,784,830</td><td style="padding-bottom: 2.5pt; text-align: left">&#160;</td><td style="padding-bottom: 2.5pt">&#160;</td>
    <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,999,430</td><td style="padding-bottom: 2.5pt; text-align: left">&#160;</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Audit
Fees.</i></b> This category includes the aggregate fees billed for professional services rendered for the audits of Ocwen&#8217;s consolidated
financial statements for fiscal years 2023 and 2022, for the reviews of the financial statements included in Ocwen&#8217;s quarterly
reports on Form 10-Q during fiscal years 2023 and 2022 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Audit
Related Fees.</i></b> This category includes the aggregate fees billed for reporting on internal controls relating to servicing operations
and evaluation procedures performed in connection with documentation relating to a collateralized note offering.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Tax
Fees.</i></b> This category includes the aggregate fees billed in each of the last two fiscal years for professional services rendered
by the independent registered public accounting firm for tax compliance, tax planning and tax advice.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>All
Other Fees.</i></b> This category includes the aggregate amounts billed in each of the last two fiscal years by the independent registered
public accounting firm that are not reported above under &#8220;Audit Fees,&#8221; &#8220;Audit-Related Fees&#8221; or &#8220;Tax Fees.&#8221;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Audit Committee evaluated the non-audit-related services provided by and fees paid to Deloitte &amp; Touche LLP in 2023 and 2022 and
the proposed services for 2024 and determined that such services and fees are compatible with the independence of Deloitte &amp; Touche
LLP.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Principles
for Audit Committee Pre-Approval of Audit and Non-Audit Services Provided by the Independent Auditor (the Pre-Approval Principles). </i></b>The
Audit Committee has adopted the Pre-Approval Principles to set forth the procedures and conditions for pre-approving audit and permitted
non-audit services to be performed by the independent auditor responsible for auditing the Company&#8217;s consolidated financial statements
filed with the Securities and Exchange Commission or any separate financial statements that may be required.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the Pre-Approval Principles, proposed services may either be pre-approved by the Audit Committee on a categorical basis, without consideration
of specific services (general pre-approval), or may be subject to case-by-case pre-approval by the Audit Committee (specific pre-approval).
The Audit Committee believes that the combination of these two approaches will result in an effective and efficient procedure for purposes
of addressing the Company&#8217;s auditing and non-auditing services and for evaluating the potential impact of non-audit services on
the independence of the independent auditor.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the Pre-Approval Principles, regardless of whether a class of services or individual service is proposed for general or specific pre-approval,
the Audit Committee shall consider whether such service is consistent with applicable Securities and Exchange Commission and Public Company
Accounting Oversight Board rules and guidance with respect to auditor independence. The Audit Committee shall also consider whether the
independent auditor is best positioned to provide the most effective and efficient service, for reasons such as familiarity with the
Company&#8217;s business, people, culture, accounting systems, risk profile and other factors, and whether the service may enhance the
Company&#8217;s ability to manage or control risk or improve audit quality. All such factors will be considered as a whole, and no one
factor should necessarily be determinative. The Audit Committee shall also be mindful of the relationship between fees for audit and
non-audit services in determining whether to pre-approve any class of services or individual service and may determine, for each year,
the appropriate ratio between the total amount of &#8220;Audit Fees,&#8221; &#8220;Audit-Related Fees&#8221; and &#8220;Tax Fees&#8221;
and the total amount of fees for permissible non-audit services classified under &#8220;All Other Fees.&#8221;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
audit and permitted non-audit services to be provided by the independent auditor, including the projected fees for such services, shall
be pre-approved by the Audit Committee. In general, predictable and recurring audit and permitted non-audit services shall be considered
for general and/or specific pre-approval by the full Audit Committee on an annual basis, generally in conjunction with the selection
of the independent auditor. At this time, the Audit Committee may also choose to provide pre-approval of audit, audit-related and tax
services that may ultimately be required, but are not specifically identified at the beginning of the calendar year.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
any services not covered by these initial pre-approvals, the Audit Committee delegates authority to the Chair of the Audit Committee
to pre-approve any audit or permitted non-audit or tax service for which the estimated fee does not exceed $500,000. Any service not
covered by the Audit Committee&#8217;s initial pre-approvals and for which fees are expected to exceed $500,000 shall be pre-approved
by the full Audit Committee.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Audit Committee does not delegate its responsibilities to pre-approve services performed by the independent auditor to management.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ADVISORY
VOTE TO APPROVE NAMED EXECUTIVE OFFICER COMPENSATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Proposal
Four)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 24.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 our named executive officers.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
described in more detail under the heading &#8220;Executive Compensation,&#8221; we believe our executive compensation programs are effectively
designed, are in alignment with the interests of our shareholders and are instrumental to achieving our business strategy. At our Annual
Meeting of Shareholders in 2023, we received 85% of votes cast on our Say-on-Pay proposal in favor of our named executive officer compensation.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee considered the result of the 2023 Say-on-Pay proposal, as well as input gathered from advisors, shareholders and
investors, in designing our 2023 executive compensation program. We discussed progress made toward Ocwen&#8217;s return to profitability,
execution against the objectives in our business strategy, including growth in our servicing and originations channels, and how the metrics
found in our executive pay programs tied back directly to achievement on those objectives. In particular, we demonstrated how AIP metrics
were tied to improving profitability, continued cost reduction, improved operating metrics, and customer and employee satisfaction. We
also continued to align our Long-Term Incentive program to performance metrics based on total shareholder return relative to our peer
group, and provided for awards to settle in shares of common stock in response to shareholder expectations to increase management&#8217;s
ownership in the company. We believe that on the basis of our disclosures and shareholder communications, shareholders understood and
supported the linkage of our executive pay programs to profitability, accelerating growth, cost leadership and improving customer and
client satisfaction during 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee and our Board of Directors intend to continue to consider shareholder feedback as well as recommended best practices
put forth by shareholder proxy advisory firms such as ISS to the extent these institutions&#8217; recommendations are aligned with the
interests of our shareholders. We also intend to continue to hold an advisory Say-on-Pay vote at each annual meeting of shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accordingly,
we will ask our shareholders to vote on the following proposed resolution at the Annual Meeting:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;RESOLVED,
that the Company&#8217;s shareholders approve, on an advisory basis, the compensation of the named executive officers, as disclosed in
the Company&#8217;s Proxy Statement for the 2024 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 the narrative discussion
that accompanies the compensation tables.&#8221;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">While
the Compensation Committee and our Board of Directors intend to carefully consider the shareholder vote resulting from this proposal,
the final vote will not be binding on us and is advisory in nature.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">You
may vote for or against or abstain from the approval, on an advisory basis, of the compensation of the Company&#8217;s named executive
officers as disclosed in the Compensation Discussion and Analysis, the compensation tables and the narrative discussion that accompanies
the compensation tables contained in this proxy statement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&#8217;s current policy is to provide shareholders with an opportunity to approve, on an advisory basis, the compensation of the
named executive officers each year at the annual meeting of shareholders. This policy aligns with the preference expressed by our shareholders
at our 2023 Annual Meeting for Shareholders, who voted overwhelmingly to advise the Company to hold Say-on-Pay votes annually. Our Board
of Directors continues to believe that Say-on-Pay votes should be conducted every year so that our shareholders may annually express
their views on our executive compensation program and have adopted our shareholders&#8217; recommendation to hold the Say-on-Pay vote
every year. Therefore, we expect that the next such vote will occur at the 2025 Annual Meeting of Shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OUR
BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS THAT YOU VOTE &#8220;FOR&#8221; THE</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>APPROVAL,
ON AN ADVISORY BASIS, OF THE COMPENSATION OF THE COMPANY&#8217;S NAMED</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EXECUTIVE
OFFICERS, AS DISCLOSED IN THIS PROXY STATEMENT.</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>APPROVAL
OF AMENDMENT TO THE OCWEN FINANCIAL CORPORATION 2021 EQUITY INCENTIVE PLAN TO INCREASE AVAILABLE SHARES</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Proposal
Five)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>General</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
the Annual Meeting, shareholders will be asked to approve an amendment (the 2021 Plan Amendment) to the Ocwen Financial Corporation 2021
Equity Incentive Plan (the 2021 Plan) to increase the number of shares that may be issued under the plan as described below. The proposed
amendment was adopted, subject to shareholder approval, by our Board of Directors on April 12, 2024. The full text of the 2021 Plan Amendment
and the 2021 Plan as currently in effect are included below as <span style="text-decoration: underline">Annex A</span>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company believes that incentives and stock-based awards focus employees on the objective of creating shareholder value and promoting
the success of the Company, and that incentive compensation plans like the 2021 Plan are an important attraction, retention and motivation
tool for participants in the plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company presently makes grants under the 2021 Plan. In addition, awards remain outstanding under the 2017 Performance Incentive Plan
(the 2017 Plan) and the 2007 Equity Incentive Plan (the &#8220;2007 Plan&#8221; and together with the 2017 Plan, the Legacy Plans). As
of March 31, 2024, a total of 886,381 shares of the Company&#8217;s common stock were subject to outstanding awards granted under the
2021 Plan and 38,712 shares were subject to outstanding awards granted under Legacy Plans. As of March 31, 2024, 78,105 shares of the
Company&#8217;s common stock were available for new award grants under the 2021 Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors believes that the number of shares currently available under the 2021 Plan does not give the Company sufficient flexibility
to adequately provide for future incentives. If shareholders approve the 2021 Plan Amendment, an additional 350,000 shares of the Company&#8217;s
common stock will be made available for award grants under the 2021 Plan. In addition, any shares of common stock underlying RSUs granted
under the Legacy Plans that fail to vest, are canceled, or otherwise terminate will also be available for award grant purposes under
the 2021 Plan. None of the shares of the Company&#8217;s common stock underlying stock options that expire, are canceled, or otherwise
terminate will be available for award grant purposes under the 2021 Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">From
December 31, 2020, to December 31, 2023, fully-diluted book value has increased 1% while estimated share count after cashless exercise
of warrants issued to Oaktree has decreased 3%. The addition of 350,000 shares to the 2021 Plan would result in a less than 0.5% increase
to share count, as shown below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><img src="formpre14a_013.jpg" alt=""/><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
                                            Shares Outstanding at each year-end also includes warrants, outstanding equity awards and
                                            shares available in 2021 Plan.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assumes
                                            warrants issued to Oaktree are cashlessly exercised using 10-day average of Volume Weighted
                                            Average Price (10 days ending on preceding day of exercise) on 12/31/2023 of $29.83.</span></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">EIP
                                            Activity in 2021 and 2022 includes grants, performance adjustments, and share recycling for
                                            taxes, forfeits and expiration.</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
shareholders do not approve the 2021 Plan Amendment, the Company will continue to have the authority to grant awards subject to share
availability under the 2021 Plan. If shareholders approve the 2021 Plan Amendment, there will be no impact on awards then outstanding
under the 2021 Plan or Legacy Plans.</span></p>


<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Summary
Description of the 2021 Equity Incentive Plan</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
principal terms of the 2021 Plan are summarized below. The following summary is qualified in its entirety by the full text of the 2021
Plan, which is included in <span style="text-decoration: underline">Annex A</span> to this proxy statement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Purpose</i></b>.
The purpose of the 2021 Plan is to promote the success of the Company by providing an additional means for us to attract, motivate, retain
and reward selected employees and other eligible persons through the grant of awards. Equity-based awards are also intended to further
align the interests of award recipients and our shareholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Administration</i>.
</b>Our Board of Directors or one or more committees appointed by our Board of Directors will administer the 2021 Plan. Our Board of
Directors has delegated general administrative authority for the 2021 Plan to the Compensation Committee. The Board of Directors or a
committee thereof (within its delegated authority) may delegate different levels of authority to different committees or persons with
administrative and grant authority under the 2021 Plan. (The appropriate acting body, be it the Board of Directors or a committee or
other person within its delegated authority, is referred to in this proposal as the &#8220;Administrator&#8221;.)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Administrator has broad authority under the 2021 Plan, including, without limitation, the authority:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            select eligible participants and determine the type(s) of award(s) that they are to receive;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            grant awards and determine the terms and conditions of awards, including the price (if any)
                                            to be paid for the shares or the award and, in the case of share-based awards, the number
                                            of shares to be offered or awarded;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            determine any applicable vesting and exercise conditions for awards (including any applicable
                                            performance and/or time-based vesting or exercisability conditions) and the extent to which
                                            such conditions have been satisfied, or determine that no delayed vesting or exercise is
                                            required, to determine the circumstances in which any performance-based goals (or the applicable
                                            measure of performance) will be adjusted and the nature and impact of any such adjustment,
                                            to establish the events (if any) on which exercisability or vesting may accelerate (including
                                            specified terminations of employment or service or other circumstances), and to accelerate
                                            or extend the vesting or exercisability or extend the term of any or all outstanding awards;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            cancel, modify, or waive the Company&#8217;s rights with respect to, or modify, discontinue,
                                            suspend, or terminate any or all outstanding awards, subject to any required consents;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">subject
                                            to the other provisions of the 2021 Plan, to make certain adjustments to an outstanding award
                                            and to authorize the conversion, succession or substitution of an award;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            determine the method of payment of any purchase price for an award or shares of the Company&#8217;s
                                            common stock delivered under the 2021 Plan, as well as any tax-related items with respect
                                            to an award, which may be in the form of cash, check, or electronic funds transfer, by the
                                            delivery of already-owned shares of the Company&#8217;s common stock or by a reduction of
                                            the number of shares deliverable pursuant to the award, by services rendered by the recipient
                                            of the award, by notice and third party payment or cashless exercise on such terms as the
                                            Administrator may authorize, or any other form permitted by law;</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            modify the terms and conditions of any award, establish sub-plans and agreements and determine
                                            different terms and conditions that the Administrator deems necessary or advisable to comply
                                            with laws in the countries where the Company or one of its subsidiaries operates or where
                                            one or more eligible participants reside or provide services;</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            approve the form of any award agreements used under the 2021 Plan; and</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
                                            construe and interpret the 2021 Plan, make rules for the administration of the 2021 Plan,
                                            and make all other determinations for the administration of the 2021 Plan.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>No
Repricing.</i></b> In no case (except due to an adjustment to reflect a stock split or other event referred to under &#8220;Adjustments&#8221;
below, or any repricing that may be approved by shareholders) will the Administrator (1) amend an outstanding stock option or stock appreciation
right to reduce the exercise price or base price of the award, (2) cancel, exchange, or surrender an outstanding stock option or stock
appreciation right in exchange for cash or other awards at any time that the exercise price or base price of the award is greater than
fair market value or under any other circumstances that would constitute repricing the award, or (3) cancel, exchange, or surrender an
outstanding stock option or stock appreciation right in exchange for an option or stock appreciation right with an exercise or base price
that is less than the exercise or base price of the original award.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Eligibility.
</i></b>Persons eligible to receive awards under the 2021 Plan include officers or employees of the Company or any of its subsidiaries,
directors of the Company, and certain consultants and advisors to the Company or any of its subsidiaries. As of March 31, 2024, the Company
and its subsidiaries had approximately 4,400 employees (including all of the Company&#8217;s named executive officers other than Mr.
Henley), and six members of our Board of Directors who are not employed by the Company or any of its subsidiaries (non-management directors),
all of which are considered eligible under the 2021 Plan. Upon her Board appointment, Ms. Merkle also became eligible under the 2021
Plan. In 2023, 92 employees and all non-management directors received awards under the 2021 Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Existing
Aggregate Share Limit</i>.</b> Before giving effect to the proposed 2021 Plan Amendment, the maximum number of shares of the Company&#8217;s
common stock that may be issued or transferred pursuant to awards under the 2021 Plan, as amended equals the sum of the following (such
total number of shares, the Share Limit):</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">940,000
                                            shares, plus</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
                                            number of shares available for additional award grant purposes under the 2017 Plan as of
                                            May 25, 2021, the date our shareholders approved the 2021 Plan (the Stockholder Approval
                                            Date), plus</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
                                            number of any shares subject to restricted stock and restricted stock unit awards granted
                                            under the Legacy Plans that are outstanding and unvested as of the Stockholder Approval Date
                                            which are forfeited, terminated, cancelled, or otherwise reacquired after the Stockholder
                                            Approval Date without having become vested (with any such shares taken into account based
                                            on the premium share-counting rule discussed below for full-value awards).</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
of March 31, 2024, approximately 4,981 shares were subject to potential forfeit under restricted stock and restricted stock unit awards
then outstanding under the Legacy Plans before taking into account the premium share-counting rule discussed below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
issued in respect of any &#8220;full-value award&#8221; granted under the 2021 Plan will be counted against the Share Limit as 1.2 shares
for every one share actually issued in connection with the award. For example, if the Company granted a bonus of 100 shares of its common
stock under the 2021 Plan, 120 shares would be counted against the Share Limit with respect to that award. For this purpose, a &#8220;full-value
award&#8221; generally means any award granted under the 2021 Plan other than a stock option or stock appreciation right.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Increased
Aggregate Share Limit, if Approved by Shareholders. </i></b>If shareholders approve the 2021 Plan Amendment, the Share Limit, as defined
above, will be increased by an additional 350,000 shares.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>&#160;</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i></i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Additional
Share Limits</i></b>. The following other limits are also contained in the 2021 Plan. These limits are in addition to, and not in lieu
of, the Share Limit for the plan described above and, in the case of share-based limits, are applied on a one-for-one basis without applying
the premium share-counting ratio for full-value awards discussed above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            maximum number of shares that may be delivered pursuant to options qualified as incentive
                                            stock options granted under the plan is 333,333 shares.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            maximum grant date fair value for awards granted to a non-management director under the 2021
                                            Plan during any one calendar year is $300,000, except that this limit will be $400,000 as
                                            to (1) a non-management director who is serving as the independent Chair of the Board of
                                            Directors or as a lead independent director at the time the applicable grant is made or (2)
                                            any new non-management director for the calendar year in which the non-management director
                                            is first elected or appointed to the Board of Directors. For purposes of this limit, the
                                            &#8220;grant date fair value&#8221; of an award means the value of the award on the date
                                            of grant of the award determined using the equity award valuation principles applied in the
                                            Company&#8217;s financial reporting. This limit does not apply to, and will be determined
                                            without taking into account, any award granted to an individual who, on the grant date of
                                            the award, is an officer or employee of the Company or one of its subsidiaries. This limit
                                            applies on an individual basis and not on an aggregate basis to all non-management directors
                                            as a group.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Share-Limit
Counting Rules. </i></b>The Share Limit of the 2021 Plan is subject to the following rules:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
                                            that are subject to or underlie full-value awards which expire or for any reason are canceled,
                                            terminated, forfeited, fail to vest, or for any other reason are not paid or delivered under
                                            the 2021 Plan will not be counted against the Share Limit and will again be available for
                                            subsequent awards under the 2021 Plan.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
                                            that underlie stock appreciation rights and stock options which expire or for any reason
                                            are cancelled or terminated, are forfeited, fail to vest, or for any other reason are not
                                            paid or delivered under the 2021 Plan shall be counted against the Share Limit and shall
                                            not be available for subsequent awards under the 2021 Plan.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
                                            the extent that shares are delivered pursuant to the exercise of a stock option or stock
                                            appreciation right granted under the 2021 Plan, the number of shares as to which the portion
                                            of the stock option or stock appreciation right is exercised shall be counted against the
                                            Share Limit. (For purposes of clarity, if a stock option or stock appreciation right relates
                                            to 100,000 shares and is exercised at a time when the net number of shares due to the participant
                                            is 15,000 shares (taking into account any shares withheld to satisfy any applicable exercise
                                            or base price of the award and any shares withheld to satisfy any tax withholding obligations
                                            arising in connection with such exercise), 100,000 shares shall be charged against the Share
                                            Limit with respect to such award.)</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
                                            that are exchanged by a participant or withheld by the Company to pay the exercise price
                                            of a stock option or stock appreciation right granted under the 2021 Plan, as well as any
                                            shares exchanged or withheld to satisfy the tax withholding obligations related to any stock
                                            option or stock appreciation right, will not be available for subsequent awards under the
                                            2021 Plan.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
                                            that are exchanged by a participant or withheld by the Company as full or partial payment
                                            in connection with any full-value award granted under the 2021 Plan or the Legacy Plans,
                                            as well as any shares exchanged by a participant or withheld by the Company to satisfy the
                                            tax withholding obligations related to any full-value award granted under the 2021 Plan or
                                            the Legacy Plans, will not be counted against the Share Limit and will again be available
                                            for subsequent awards under the 2021 Plan (with any such shares becoming available for subsequent
                                            awards taking into account the premium share-counting rule discussed above for full-value
                                            awards).</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
                                            the extent that an award is settled in cash or a form other than shares, the shares that
                                            would have been delivered had there been no such cash or other settlement will not be counted
                                            against the Share Limit and will again be available for subsequent awards under the 2021
                                            Plan.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
                                            the event that shares are delivered in respect of a dividend equivalent right, the actual
                                            number of shares delivered with respect to the award shall be counted against the Share Limit.
                                            (For purposes of clarity, if 1,000 dividend equivalent rights are granted and outstanding
                                            when the Company pays a dividend, and 50 shares are delivered in payment of those rights
                                            with respect to that dividend, 60 shares shall be counted against the Share Limit, after
                                            giving effect to the share-counting rule discussed above for full-value awards.) Except as
                                            otherwise provided by the Administrator, shares delivered in respect of dividend equivalent
                                            rights shall not count against any individual award limit under the 2021 Plan other than
                                            the aggregate Share Limit.</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition, the 2021 Plan generally provides that shares issued in connection with awards that are granted by or become obligations of
the Company through the assumption of awards (or in substitution for awards) in connection with an acquisition of another company will
not count against the shares available for issuance under the 2021 Plan. The Company may not increase the applicable share limits of
the 2021 Plan by repurchasing shares of common stock on the market (by using cash received through the exercise of stock options or otherwise).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Types
of Awards</i>.</b> The 2021 Plan authorizes stock options, stock appreciation rights, and other forms of awards granted or denominated
in the Company&#8217;s common stock or units of the Company&#8217;s common stock, as well as cash bonus awards. The 2021 Plan retains
flexibility to offer competitive incentives and to tailor benefits to specific needs and circumstances. Any award may be structured to
be paid or settled in cash.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
stock option is the right to purchase shares of the Company&#8217;s common stock at a future date at a specified price per share (exercise
price). The per share exercise price of an option generally may not be less than the fair market value of a share of the Company&#8217;s
common stock on the date of grant. The maximum term of an option is ten years from the date of grant. An option may either be an incentive
stock option or a nonqualified stock option. Incentive stock option benefits are taxed differently from nonqualified stock options, as
described under &#8220;Federal Income Tax Consequences of Awards Under the 2021 Plan&#8221; below. Incentive stock options are also subject
to more restrictive terms and are limited in amount by the U.S. Internal Revenue Code and the 2021 Plan. Incentive stock options may
only be granted to employees of the Company or a subsidiary.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
stock appreciation right is the right to receive payment of an amount equal to the excess of the fair market value of a share of the
Company&#8217;s common stock on the date of exercise of the stock appreciation right over the base price of the stock appreciation right.
The base price will be established by the Administrator at the time of grant of the stock appreciation right and generally may not be
less than the fair market value of a share of the Company&#8217;s common stock on the date of grant. Stock appreciation rights may be
granted in connection with other awards or independently. The maximum term of a stock appreciation right is ten years from the date of
grant.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
other types of awards that may be granted under the 2021 Plan include, without limitation, stock bonuses, restricted stock, performance
stock, stock units or phantom stock (which are contractual rights to receive shares of stock, or cash based on the fair market value
of a share of stock), dividend equivalents which represent the right to receive a payment based on the dividends paid on a share of stock
over a stated period of time, or similar rights to purchase or acquire shares, and cash awards.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Any
awards under the 2021 Plan (including awards of stock options and stock appreciation rights) may be fully-vested at grant or may be subject
to time- and/or performance-based vesting requirements.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Minimum
Vesting Requirement</i>.</b> Except as described below, each award granted under the 2021 Plan will be subject to a minimum vesting period
of one year. An award may provide that it will vest earlier than the first anniversary of the date of grant of the award due to the death,
disability, or involuntary termination of the employment or services of the award holder, or in connection with a &#8220;Change in Control&#8221;
of the Company (as such term is defined in the 2021 Plan). Awards may, however, be granted under the 2021 Plan with minimum vesting requirements
of less than one year, or no vesting requirements, provided that the total number of shares of the Company&#8217;s common stock subject
to such awards will not exceed 5% of the Share Limit.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Dividend
Equivalents; Deferrals</i>.</b> The Administrator may provide for the deferred payment of awards, and may determine the other terms applicable
to deferrals. The Administrator may provide that awards under the 2021 Plan (other than options or stock appreciation rights), and/or
deferrals, earn dividends or dividend equivalents based on the amount of dividends paid on outstanding shares of Common Stock, provided
that as to any dividend equivalent rights granted in connection with an award granted under the 2021 Plan that is subject to vesting
requirements, no dividend equivalent payment will be made as to a portion of an award unless the related vesting conditions of that portion
of an award are satisfied (or, in the case of a restricted stock or similar award where the dividend must be paid as a matter of law,
the dividend payment will be subject to forfeiture or repayment, as the case may be, if the related vesting conditions are not satisfied).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Assumption
and Termination of Awards</i>.</b> If an event occurs in which the Company does not survive (or does not survive as a public company
in respect of its common stock), including, without limitation, a dissolution, merger, combination, consolidation, conversion, exchange
of securities, or other reorganization, or a sale of all or substantially all of the business, stock or assets of the Company, awards
then-outstanding under the 2021 Plan may not automatically become fully vested pursuant to the provisions of the 2021 Plan so long as
such awards are assumed, substituted for or otherwise continued (i.e. no &#8220;single-trigger&#8221; awards). However, if awards then-outstanding
under the 2021 Plan are to be terminated in such circumstances (without being assumed or substituted for), such awards would generally
become fully vested (with any performance goals applicable to the award being deemed met at the &#8220;target&#8221; performance level),
subject to any exceptions that the Administrator may provide for in an applicable award agreement. The Administrator also has the discretion
to establish other change in control provisions with respect to awards granted under the 2021 Plan, subject to the prohibition on &#8220;single-trigger&#8221;
awards. For example, the Administrator could provide for the acceleration of vesting or payment of an award in connection with a corporate
event followed by termination of the award holder&#8217;s employment. For the treatment of outstanding equity awards held by our named
executive officers in connection with a termination of employment and/or a change in control of the Company, please see the discussion
under the heading &#8220;Potential Payments Upon Termination or Change in Control&#8221; above.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Transfer
Restrictions</i>.</b> Subject to certain exceptions contained in Section 5.7 of the 2021 Plan, awards under the 2021 Plan generally are
not transferable by the recipient other than by will or the laws of descent and distribution and are generally exercisable, during the
recipient&#8217;s lifetime, only by the recipient. Any amounts payable or shares issuable pursuant to an award generally will be paid
only to the recipient or the recipient&#8217;s beneficiary or representative. The Administrator has discretion, however, to establish
written conditions and procedures for the transfer of awards to other persons or entities, provided that such transfers comply with applicable
federal and state securities laws and are not made for value (other than nominal consideration, settlement of marital property rights,
or for interests in an entity in which more than 50% of the voting securities are held by the award recipient or by the recipient&#8217;s
family members).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Adjustments</i>.
</b>As is customary in incentive plans of this nature, each share limit and the number and kind of shares available under the 2021 Plan
and any outstanding awards, as well as the exercise or purchase prices of awards, and performance targets under certain types of performance-based
awards, are subject to adjustment in the event of certain reorganizations, mergers, combinations, recapitalizations, stock splits, stock
dividends, or other similar events that change the number or kind of shares outstanding, and extraordinary dividends or distributions
of property to the shareholders.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>No
Limit on Other Authority</i>.</b> The 2021 Plan does not limit the authority of the Board of Directors or any committee to grant awards
or authorize any other compensation, with or without reference to the Company&#8217;s common stock, under any other plan or authority.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Termination
of or Changes to the 2021 Plan and Outstanding Awards</i>.</b> The Board of Directors may amend or terminate the 2021 Plan at any time
and in any manner. Shareholder approval for an amendment will be required only to the extent then required by applicable law or deemed
necessary or advisable by the Board of Directors. Unless terminated earlier by the Board of Directors and subject to any extension that
may be approved by shareholders, the authority to grant new awards under the 2021 Plan will terminate on April 14, 2031. Outstanding
awards, as well as the Administrator&#8217;s authority with respect thereto, generally will continue following the expiration or termination
of the plan. Generally speaking, outstanding awards may be amended by the Administrator (except for a repricing), but the consent of
the award holder is required if the amendment (or any plan amendment) materially and adversely affects the holder.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>U.S.
Federal Income Tax Consequences of Awards under the 2021 Plan</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
U.S. federal income tax consequences of the 2021 Plan under current federal law, which is subject to change, are summarized in the following
discussion of the general tax principles applicable to the 2021 Plan. This summary is not intended to be exhaustive and, among other
considerations, does not describe the deferred compensation provisions of Section 409A of the U.S. Internal Revenue Code to the extent
an award is subject to and does not satisfy those rules, nor does it describe state, local, or international tax consequences.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
respect to nonqualified stock options, the company is generally entitled to deduct and the participant recognizes taxable income in an
amount equal to the difference between the option exercise price and the fair market value of the shares at the time of exercise. With
respect to incentive stock options, the company is generally not entitled to a deduction nor does the participant recognize income at
the time of exercise, although the participant may be subject to the U.S. federal alternative minimum tax.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
current federal income tax consequences of other awards authorized under the 2021 Plan generally follow certain basic patterns: nontransferable
restricted stock subject to a substantial risk of forfeiture results in income recognition equal to the excess of the fair market value
over the price paid (if any) only at the time the restrictions lapse (unless the recipient elects to accelerate recognition as of the
date of grant); bonuses, stock appreciation rights, cash and stock-based performance awards, dividend equivalents, stock units, and other
types of awards are generally subject to tax at the time of payment; and compensation otherwise effectively deferred is taxed when paid.
In each of the foregoing cases, the company will generally have a corresponding deduction at the time the participant recognizes income.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
an award is accelerated under the 2021 Plan in connection with a &#8220;change in control&#8221; (as this term is used under the U.S.
Internal Revenue Code), the Company may not be permitted to deduct the portion of the compensation attributable to the acceleration (parachute
payments) if it exceeds certain threshold limits under the U.S. Internal Revenue Code (and certain related excise taxes may be triggered).
Furthermore, under Section 162(m) of the Code, the aggregate compensation in excess of $1,000,000 payable to current or former Named
Executive Officers (including amounts attributable to equity-based and other incentive awards) may not be deductible by the Company in
certain circumstances.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Specific
Benefits under the 2021 Equity Incentive Plan</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company has not approved any awards that are conditioned upon shareholder approval of the 2021 Plan Amendment. The Company is not currently
considering any other specific award grants under the 2021 Plan, other than the annual grants of restricted stock units to our non-management
directors described in the following paragraph. If the 2021 Plan Amendment had been in existence in fiscal year 2023, the Company expects
that its award grants for fiscal year 2023 would not have been substantially different from those actually made in that year under the
2021 Plan. For information regarding stock-based awards granted to the Company&#8217;s named executive officers during fiscal year 2023,
please see the discussion under the heading &#8220;Executive Compensation&#8221; above. The Company granted similar awards in March 2024.
The Company generally expects to continue granting similar awards on an annual basis under the 2021 Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
described under &#8220;Board of Directors Compensation&#8221; above, our current compensation policy for non-management directors provides
for each non-management director to receive an annual award of restricted stock units, with the number of shares subject to each award
to be determined by dividing $120,000 by the closing price of our stock as reported on the New York Stock Exchange on the grant date
as described above. Assuming, for illustrative purposes only, that the price of the common stock used for the conversion of the dollar
amount set forth above into shares is $50, the number of shares that would be allocated to the Company&#8217;s six non-management directors
as a group following the 2024 Annual Meeting pursuant to the annual grant formula is approximately 14,400 shares per year and approximately
100,800 shares in the aggregate over the remaining seven years of the 10-year term of the 2021 Plan. This calculation also assumes that
there continue to be six non-management directors seated and that there are no changes to the awards granted under the director equity
grant program.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following paragraphs include additional information to help you assess the potential dilutive impact of the Company&#8217;s equity awards
and the 2021 Plan Amendment. The Legacy Plans and 2021 Plan are the Company&#8217;s only equity plans with outstanding awards. No new
grants may be authorized under the Legacy Plans.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;<b><i>Overhang</i></b>&#8221;
refers to the number of shares of the Company&#8217;s common stock that are subject to outstanding awards under our equity compensation
plans (i.e. the Legacy Plans and the 2021 Plan) or remain available for new award grants. As of December 31, 2023, 789,589 shares of
the Company&#8217;s common stock were subject to outstanding restricted stock and restricted stock unit awards, including 477,006 shares
subject to performance-based vesting criteria, 39,157 shares of the Company&#8217;s common stock were subject to outstanding stock options,
including 4,500 shares subject to performance-based vesting criteria, and 334,763 shares of the Company&#8217;s common stock were available
for new award grants under the 2021 Plan. As of December 31, 2023, the weighted average exercise price and weighted average remaining
term of outstanding stock options were $158.81 and 2.8 years, respectively. In this 2021 Plan Amendment proposal, the number of shares
of the Company&#8217;s common stock subject to restricted stock and restricted stock unit awards granted during any particular period
or outstanding on any particular date is presented based on the actual number of shares of the Company&#8217;s common stock covered by
those awards and before applying the applicable provisions for counting these awards against the plan&#8217;s Share Limit as 1.2 for
every share actually issued pursuant to the award.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
basic weighted-average number of shares of the Company&#8217;s common stock issued and outstanding in each of the last three fiscal years
was 9,021,975 shares issued and outstanding in 2021, 8,647,399 shares issued and outstanding in 2022, and 7,635,584 shares issued and
outstanding in 2023. The number of shares of the Company&#8217;s common stock issued and outstanding as of December 31, 2023 and March
31, 2024 was 7,684,401 and 7,784,253 shares, respectively.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8220;<b><i>Burn
rate</i></b>&#8221; refers to the number of shares that are subject to awards that we grant over a particular period of time. The total
number of shares of the Company&#8217;s common stock subject to awards that the Company granted under the Legacy Plans and the 2021 Plan
since its approval by shareholders on May 25, 2021 and to date (as of March 31, 2024) for 2024, are as</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">250,832
                                            shares in 2021 (which was 2.8% of the basic weighted-average number of shares of the Company&#8217;s
                                            common stock issued and outstanding in 2021), all of which were shares subject to restricted
                                            stock and restricted stock unit awards (including 116,207 subject to performance-based vesting
                                            conditions, assuming achievement of target performance levels).</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">388,683
                                            shares in 2022 (which was 4.5% of the basic weighted-average number of shares of the Company&#8217;s
                                            common stock issued and outstanding in 2022), all of which were shares subject to restricted
                                            stock and restricted stock unit awards (including 151,452 subject to performance-based vesting
                                            conditions, assuming achievement of target performance levels).</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">390,059
                                            shares in 2023 (which was 5.1% of the basic weighted-average number of shares of the Company&#8217;s
                                            common stock issued and outstanding in 2023), all of which were shares subject to restricted
                                            stock and restricted stock unit awards (including 226,592 subject to performance-based vesting
                                            conditions, assuming achievement of target performance levels).</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"/><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">308,269
                                            shares in 2024 through March 31, 2024 (which was 4.0% of the number of shares of the Company&#8217;s
                                            common stock issued and outstanding on March 31, 2024), all of which were shares subject
                                            to restricted stock and restricted stock unit awards (including 150,434 subject to performance-based
                                            vesting conditions, assuming achievement of target performance levels).</span></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thus,
the total number of shares of the Company&#8217;s common stock subject to awards granted under the 2017 Plan and 2021 Plan per year over
the last three fiscal years (2021, 2022 and 2023) has been, on average, 4.1% of the weighted-average number of shares of the Company&#8217;s
common stock issued and outstanding for the corresponding year. Performance-based vesting awards have been included above in the period
in which the award was granted. The actual number of performance-based vesting restricted stock and restricted stock unit awards that
became eligible to vest in each period because the applicable performance-based condition was satisfied in that year (subject to the
satisfaction of any applicable time-based vesting requirements) was as follows: 15,873 in 2021, 30,254 in 2022, 149,780 in 2023 and 64,853
to date (as of March 31, 2024) in 2024. No stock options have been granted in the last three fiscal years or to date in 2023.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
total number of shares of our common stock that were subject to awards granted under the 2017 Plan and the 2021 Plan that terminated
or expired in each of the last three fiscal years and to date (as of March 31, 2024) in 2023, are as follows: 20,367 in 2021, 177,354
in 2022, 30,824 in 2023, and 141,870 in 2024.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Compensation Committee anticipates that the 350,000 additional shares requested for the 2021 Plan Amendment (together with the shares
available for new award grants under the 2021 Plan on the Annual Meeting date and assuming usual levels of shares becoming available
for new awards as a result of forfeitures of outstanding awards) will provide the Company with flexibility to continue to grant equity
awards under the 2021 Plan through the remainder of 2024, approximately (reserving sufficient shares to cover potential payment of performance-based
awards at maximum payment levels). However, this is only an estimate, in the Company&#8217;s judgment, based on current circumstances.
The total number of shares that are subject to the Company&#8217;s award grants in any one year or from year-to-year may change based
on a number of variables, including, without limitation, the value of the Company&#8217;s common stock (since higher stock prices generally
require that fewer shares be issued to produce awards of the same grant date fair value), changes in competitors&#8217; compensation
practices or changes in compensation practices in the market generally, changes in the number of employees, changes in the number of
directors and officers, whether and the extent to which vesting conditions applicable to equity-based awards are satisfied, acquisition
activity and the need to grant awards to new and existing employees in connection with acquisitions, the need to attract and retain key
talent, including through the use retention incentives especially during volatile periods such as this one, the type of awards the Company
grants, and how the Company chooses to balance total compensation between cash and equity-based awards. The Compensation Committee, with
the input of its independent consultant, regularly evaluates all the preceding circumstances and evaluates the appropriateness of share
utilization.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
closing market price for a share of the Company&#8217;s common stock as of March 28, 2024, the last closing price prior to March 31,
2024, was $27.01 per share.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Aggregate
Past Grants under the 2021 Plan</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
of March 31, 2024, awards covering 1,105,437 shares of our common stock had been granted under the 2021 Plan since its approval by shareholders
May 25, 2021. The following table shows information regarding (1) the distribution of those awards among the persons and groups identified
below, (2) stock units that have vested and become payable prior to that date, and (3) stock units that are outstanding as of that date.
For purposes of this table, outstanding stock units that are subject to performance-based vesting conditions are reflected at the target
payout level. No stock options have been granted under the 2021 Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font-size: 11pt">&#160;</td><td style="padding-bottom: 1.5pt; font-weight: bold">&#160;</td>
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    <td style="font-size: 11pt; text-align: left">&#160;</td><td style="font-size: 11pt; text-align: right">&#160;</td><td style="font-size: 11pt; text-align: left">&#160;</td><td style="font-size: 11pt">&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">17,250</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">117,423</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">68,270</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">4,901</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">63,168</td><td style="text-align: left">&#160;</td></tr>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">7,837</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">4,424</td><td style="text-align: left">&#160;</td></tr>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">12,261</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">7,837</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">4,424</td><td style="text-align: left">&#160;</td></tr>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">7,837</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">&#8212;</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="font-weight: bold; text-align: left">&#160;</td><td style="font-weight: bold; text-align: right">886,381</td><td style="font-weight: bold; text-align: left">&#160;</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span>&#160;</p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="text-align: justify; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td>
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr. Henley was not serving on the Board of Directors as of
March 31, 2024.</span></td></tr>

<tr style="vertical-align: top">
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td>
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In addition to Named Executive Officers, includes Messrs. Grunenwald,
Samarias and Wade, and Ms. Evans. Mr. Peach was not serving as an executive officer as of March 31, 2024.</span></td></tr>

<tr style="vertical-align: top">
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</span></td>
  <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ms. Merkle was not serving on the Board of Directors as of
March 31, 2024.</span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
than Ms. Caldwell, each of the non-employee directors listed in the table above is nominated for election to the Board at the Annual
Meeting in addition to Ms. Merkle.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Equity
Compensation Plan Information</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 is contained under the heading &#8220;Equity Compensation Plan Information&#8221; above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Vote
Required for Approval of the Amendment to the 2021 Equity Incentive Plan</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors believes that the adoption of the 2021 Plan Amendment will promote the interests of the Company and its shareholders
and will help the Company and its subsidiaries to attract, retain and reward persons important to our success.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
members of the Board of Directors and all of the Company&#8217;s executive officers are eligible for awards under the 2021 Plan and thus
have a personal interest in the approval of the 2021 Plan Amendment.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
proposal for approval of the 2021 Plan Amendment will be approved if the votes cast by the holders of the shares represented at the Annual
Meeting and entitled to vote in favor of the proposal exceed the votes cast opposing the proposal. Abstentions and broker &#8220;non-votes&#8221;
will not be counted as votes cast and therefore will not be counted for purposes of determining whether the 2021 Plan Amendment has received
a majority vote in favor of this proposal.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;<b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OUR
BOARD OF DIRECTORS RECOMMENDS THAT YOU VOTE &#8220;FOR&#8221; APPROVAL OF THE AMENDMENT TO THE 2021 EQUITY INCENTIVE PLAN AS DESCRIBED
ABOVE AND SET FORTH IN <span style="text-decoration: underline">ANNEX A</span> HERETO.</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>BUSINESS
RELATIONSHIPS AND RELATED TRANSACTIONS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ocwen&#8217;s
Related Party Transactions Approval Policy (the Policy) sets forth our policies and procedures for the review, approval and monitoring
of Related Party Transactions (which, as defined in the Policy and subject to certain exceptions, includes transactions in which the
amount involved exceeds $120,000 and that involve Ocwen and (i) any person who is a director, nominee for director or senior vice-president
or higher ranking employee of the Company or any of its subsidiaries and any other person who performs policy-making functions for the
Company, (ii) any person who beneficially owns more than five percent of any class of the Company&#8217;s voting securities, (iii) any
immediate family member of any of the foregoing persons, (iv) any entity or individual controlling or under common control with the Company
or any of its subsidiaries, (v) any entity or individual covered by paragraph f or g of the definition of &#8220;Related Parties&#8221;
in the Glossary of Financial Accounting Standards Board Accounting Standards Codification 850, Related Party Disclosures (ASC 850) such
that disclosures of transactions with such entity or individual would be required in the Company&#8217;s audited financial statements
under ASC 850, (vi) any entity or individual sharing any risk, compliance, internal audit or vendor oversight function with the Company
or any of its subsidiaries or (vii) any Specified Companies designated by the Risk and Compliance Committee of the Board of Directors
notwithstanding that such Specified Companies are not &#8220;related persons&#8221; as defined in Item 404 of SEC Regulation S-K (Item
404) or &#8220;related parties&#8221; as defined in ASC 850. Our written Code of Business Conduct and Ethics, which is available at <span style="text-decoration: underline">www.ocwen.com</span>,
also includes policies and procedures that broadly cover situations in which conflicts of interest may arise.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Risk and Compliance Committee (R&amp;C Committee) of the Board of Directors provides independent review, approval and oversight of Related
Party Transactions as required under the Policy. The R&amp;C Committee approved the Related Party Transactions discussed below.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
connection with the review and approval of a Related Party Transaction, the R&amp;C Committee is to be provided with the pertinent details
of the proposed Related Party Transaction, including the terms of the transaction, the business purpose of the transaction, and the perceived
benefits or any detriments to Ocwen. In determining whether to approve a Related Party Transaction, the R&amp;C Committee <span style="background-color: white">evaluates
whether the transaction is consistent with the interests of the Company and its shareholders. The R&amp;C Committee will prohibit any
Related Party Transaction that the R&amp;C Committee determines to be inconsistent with the interests of the Company and its shareholders.
In making this determination, the R&amp;C Committee </span>may consider the following factors, as well as any others it deems appropriate,
to the extent relevant to the transaction: (i) whether there are any alternatives to the Related Party Transaction; (ii) whether the
Related Party Transaction is on terms comparable to those available to third parties; (iii) the potential for the Related Party Transaction
to lead to an actual or apparent conflict of interest and any safeguards imposed to prevent such actual or apparent conflicts, (iv) the
overall fairness of the Related Party Transaction to Ocwen and (v) any impact, positive or negative, on borrowers or mortgage loan investors.
The R&amp;C Committee may request or require members of management to make certain modifications to a proposed Related Party Transaction
prior to its approval of such Related Party Transaction. In addition to pre-approving Related Party Transactions on a transaction-specific
basis, the R&amp;C Committee may pre-approve categories of Related Party Transactions meeting certain criteria, on the basis that all
such transactions merit pre-approval under the standards described above.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Relationship
with Altisource</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Based
on information contained in filings under the Exchange Act, we understand that Deer Park Road Management Company, LP, an Ocwen shareholder
reporting beneficial ownership of over 5% of our common stock, also reports beneficial ownership of 15% of the common stock of
Altisource Portfolio Solutions, S.A. (Altisource) as of February 14, 2024. Pursuant to SEC guidance, we consider this shareholder
to have an indirect material interest in our transactions with Altisource, and, pursuant to our Policy, we consider our transactions
with Altisource and certain of its subsidiaries to be Related Party Transactions notwithstanding that such Specified Companies are not
&#8220;related persons&#8221; as defined in Item 404 or &#8220;related parties&#8221; as defined in ASC 850.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
relationship with Altisource is governed by a series of agreements that set forth the terms on which we do business with Altisource,
including a Services Agreement, under which Altisource provides various services, such as property valuation services, property preservation
and inspection services, title services, and real estate sales related services, among other things. Ocwen also has a General Referral
Fee Agreement with Altisource pursuant to which Ocwen receives referral fees which are paid out of the commission that would otherwise
be paid to Altisource as the selling broker in connection with real estate sales services provided by Altisource. Certain services provided
by Altisource under the Services Agreement are charged to the borrower and/or mortgage loan investor. Accordingly, such services, while
derived from our loan servicing portfolio, are not reported as expenses by Ocwen. For the year ended December 31, 2023, we did not incur
significant expenses payable to Altisource under these agreements, and we received payments of $1.1 million under our General Referral
Fee Agreement.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Relationship
with Oaktree</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Senior
Secured Notes. </i></b>On February 9, 2021, we executed an agreement with Oaktree Capital Management, L.P. to issue $285 million of Ocwen
senior secured notes via a private placement in two separate tranches. The initial tranche of $199.5 million senior secured notes (the
Notes) was issued on March 4, 2021 to certain special purpose entities owned by funds and accounts managed by Oaktree (the Oaktree Investors).
The net proceeds before expenses from the issuance to Oaktree of the initial tranche of senior secured notes was $175.0 million (after
$24.5 million of original issue discount) and was used to pay down and support the refinancing of the Company&#8217;s existing corporate
debt and for general corporate purposes, including supporting growth. The Notes were issued pursuant to a Note and Warrant Purchase Agreement,
dated February 9, 2021, between the Company and the Oaktree Investors.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition, concurrent with the initial issuance of the Notes, we issued the Oaktree Investors warrants to purchase 1,184,768 shares of
our common stock at an exercise price of $26.82 per share subject to anti-dilution adjustments. The warrants may be exercised at any
time until the expiration date of March 4, 2027. The warrants, however, cannot be exercised to the extent that affiliates of Oaktree
would beneficially own in excess of 9.9% of our outstanding stock following such issuance without 61 days advance notice.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
May 3, 2021, concurrent with the closing of the MAV transaction described below, we issued Oaktree the second tranche of the Notes due
March 4, 2027 in an aggregate principal amount of $85.5 million with an original issue discount of $10.5 million. Concurrent with the
issuance of the second tranche of Notes, Ocwen issued 261,248 warrants to Oaktree to purchase additional common stock equal to 3% of
our then outstanding common stock at an exercise price of $24.31 per share, subject to anti-dilution adjustments, and 426,705 shares,
or 4.9% of our fully diluted outstanding common stock, at a purchase price of $23.15 per share for an aggregate purchase price of $9.9
million. The net proceeds before expenses from the issuance to Oaktree of the additional tranche of Notes and the warrants was approximately
$75.0 million (after $10.5 million of original issue discount) and, together with the proceeds from the sale of shares, was used to fund
our investment in our MSR joint venture and for general corporate purposes, including to accelerate the growth of our originations and
servicing businesses. The warrants may be exercised at any time through May 3, 2025.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Board
Observers. </i></b>In connection with the closing of the initial tranche of Notes to Oaktree on March 4, 2021, Messrs. Jason Keller and
Brian Laibow, serving in management roles with the Oaktree Investors, joined Ocwen in the role of non-voting observers to our
Board of Directors. Under our agreement with Oaktree, the Oaktree Investors may designate two Board of Directors observers for as long
as the aggregate outstanding principal amount of the Notes is at least $100 million or the Oaktree Investors and their affiliates collectively
own at least 15.0% of all issued and outstanding common stock of Ocwen (assuming the exercise of certain warrants held by them in full).
Mr. Keller and Mr. Dante Quazzo presently serve as the Oaktree Investors&#8217; designated Board observers.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>MSR
Asset Vehicle Joint Venture.</i></b> On May 3, 2021, Ocwen and Oaktree formed a joint venture for the purpose of investing in mortgage
servicing rights that PHH will subservice. Oaktree and Ocwen hold 85% and 15% interests, respectively, in MAV Canopy HoldCo I, LLC (MAV
Canopy), the parent of MSR Asset Vehicle LLC, MAV Canopy&#8217;s wholly-owned operating company, and have agreed to invest equity on
a pro rata basis up to a total aggregate commitment of $250.0 million over three years, subject to extension by mutual agreement. On
November 2, 2022, Ocwen and Oaktree entered into an agreement modifying certain terms relating to the capitalization, management, and
operations of MAV Canopy. Under the terms of the agreement, Ocwen and Oaktree agreed to increase the aggregate capital contributions
to MAV Canopy by up to $250.0 million through May 2, 2024 (in addition to the then contributed capital), subject to extension. On November
1, 2023, Ocwen and Oaktree agreed to extend the investment commitment period through May 2, 2025, subject to an additional one-year extension
by mutual agreement. Ocwen may elect to contribute its 15% pro rata share of the additional capital commitment. To the extent Ocwen does
not contribute its pro rata share of the additional capital commitment, the ownership percentages held by Ocwen and Oaktree will be adjusted
based on the parties&#8217; current percentage interests, capital contributions, and book value. As of December 31, 2023, our investment
in MAV Canopy amounted to $37.8 million.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>




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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
joint venture is structured to provide Oaktree with MSR investment opportunities and returns, while providing PHH scale and incremental income through subservicing and recapture services. Additionally, PHH earns direct MSR
investment income through its 15% ownership stake and would be entitled to carry interest on investment returns if exceeding certain
thresholds upon liquidation. Under the arrangement, MAV has a non-compete to purchase certain Fannie Mae and Freddie Mac (collectively,
GSE) MSRs through specific channels in cooperation with PHH. In addition, PHH must offer MAV the first opportunity to purchase GSE MSRs
sold by PHH or its affiliates that meet certain criteria, which we refer to as the right of first offer. Both the non-compete and the
right of first offer are subject to various restrictions and in effect until MAV has been fully funded, or, if earlier, in the case of
the right of first offer, until May 3, 2024 (subject to extension by mutual consent). In exchange, PHH receives exclusive subservicing
and recapture rights, subject generally to ongoing performance and financial standards. The MAV business relationship is conducted pursuant
to a number of agreements among the parties, including a Subservicing Agreement, Joint Marketing Agreement and Recapture Agreement, and
Administrative Services Agreement.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Since
2021, PHH has entered into sales of MSR portfolios to MAV in bulk transactions, flow sales to MAV of certain MSRs PMC purchased from
a GSE Cash Window program, and flow sales to MAV of MSRs PHH recaptured from borrowers that were previously serviced on behalf of MAV.
Under the Recapture Agreement, PHH sells the originated MSR for nil proceeds but retains the realized gain on loan sales.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
December 31, 2023, MAV&#8217;s servicing portfolio was comprised of $27.1 billion of MSRs acquired from unrelated third parties and $28.8
billion MSRs acquired from PHH.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OTHER
BUSINESS</b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 postponement or adjournment thereof, it is the intention of the management proxy holders to vote in accordance
with their judgment, unless otherwise restricted by law.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>SUBMISSION
OF SHAREHOLDER PROPOSALS FOR 2024 ANNUAL MEETING </b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Requirements
for Proposals to be Considered for Inclusion in Proxy Materials]<span></span></i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Any
proposal which a shareholder desires to have considered for inclusion in our proxy materials relating to our 2024 Annual Meeting of Shareholders,
must be received by the Secretary of Ocwen at our principal executive offices no later than December 24, 2024 and must comply with the
procedures prescribed in Rule 14a-8 under the Securities Exchange Act of 1934, as amended.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>Requirements
for Proposals Not Intended for Inclusion in Proxy Materials and for Nomination of Director Candidates</i></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
a shareholder wants to present a proposal, or nominate a person for election as Director, at the 2024 Annual Meeting, we must receive
written notice of the proposal or nomination no earlier than December 24, 2024 and no later than January 23, 2025, which notice of the
proposal or nomination must meet the requirements set forth in Sections 1.1 and 2.2 of our Bylaws, respectively. 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Requests
to have a shareholder proposal considered for inclusion in our 2025 proxy materials and notices of intent to present a proposal or nomination
directly at the 2025 Annual Meeting should be mailed 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition to satisfying the deadlines in the &#8220;advance notice&#8221; provisions of our bylaws, a shareholder who intends to solicit
proxies in support of director nominees submitted under these &#8220;advance notice&#8221; provisions, to comply with the universal proxy
rules, shareholders who intend to solicit proxies in support of director nominees other than our nominees at the 2025 Annual Meeting
of Shareholders must include in their notice to the Company the information required by Rule 14a-19 under the Securities Exchange Act
of 1934, as amended. If we change the date of the 2025 Annual Meeting of Shareholders by more than 30 days from the date of this year&#8217;s
Annual Meeting, your written notice must be provided by the later of ninety (90) days prior to the date of the 2025 Annual Meeting of
Shareholders or the tenth (10th) day following the day on which public announcement of the date of the 2025 Annual Meeting of Shareholders
is first made.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ANNUAL
REPORTS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
copy of our annual report on Form 10-K for the year ended December 31, 2023 will be mailed on or about April 23, 2024 to shareholders
of record as of March 25, 2024. The annual report is not part of the proxy solicitation materials and can be found on our website <span style="text-decoration: underline">www.ocwen.com
</span>in the Financial Information section under the &#8220;Shareholders&#8221; tab.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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, 2023 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 our Secretary at Ocwen Financial Corporation, 1661 Worthington Road, Suite 100, West Palm Beach, Florida 33409.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OTHER
MATTERS</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 our annual report on Form 10-K for the year ended December 31, 2023 will be supplied to Brokers 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: (i) &#8220;for all&#8221; the nominees for Director named earlier in this proxy statement,
(ii) &#8220;for&#8221; the approval of an amendment to our Articles of Incorporation to change our name to Onity Group Inc., (iii) &#8220;for&#8221;
the ratification of the appointment of Deloitte &amp; Touche LLP as our independent registered public accounting firm for 2024, (iv)
&#8220;for&#8221; the approval, on an advisory basis, of the compensation of our named executive officers as disclosed in this proxy
statement, and (v) &#8220;for&#8221; the approval of the amendment to the 2021 Equity Incentive Plan. Should any matter not described
above be properly presented at the meeting, it is the intention of the management proxy holders to 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 2024 Annual Meeting. If you are interested in participating in the virtual
Annual Meeting and voting at that time, please see &#8220;Annual Meeting Participation&#8221; above for further details on participation
requirements.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
have adopted a procedure called &#8220;householding,&#8221; which the Securities and Exchange Commission has approved. Under this procedure,
shareholders of record who have the same address and last name and did not receive their proxy materials electronically will receive
only one copy of our proxy materials unless we receive contrary instructions from one or more of such shareholders. Upon oral or written
request, we will deliver promptly a separate copy of the proxy materials to a shareholder at a shared address to which a single copy
of proxy materials was delivered. If you are a shareholder of record at a shared address to which we delivered a single copy of the proxy
materials and you desire to receive a separate copy of the proxy materials for the Annual Meeting or for our future meetings, or if you
are a shareholder at a shared address to which we delivered multiple copies of the proxy materials and you desire to receive one copy
in the future, please submit your request to the Householding Department of Broadridge Financial Solutions, Inc. at 51 Mercedes Way,
Edgewood, New York 11717, or at 1-800-542-1061. If you are a beneficial shareholder, please contact your Broker directly if you have
questions, require additional copies of the proxy materials, wish to receive multiple reports by revoking your consent to householding
or wish to request single copies of the proxy materials in the future.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
proxy statement and our 2023 annual report may be viewed online at <span style="text-decoration: underline">www.ocwen.com</span> in the Financial Information section under the
&#8220;Shareholders&#8221; tab. 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 Broker, refer to the information provided by that entity for instructions
on how to elect this option.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">ANNEX
A</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Amendment
No. 3</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>To</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OCWEN
FINANCIAL CORPORATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2021
EQUITY INCENTIVE PLAN</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Effective
as of May 28, 2024</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section
4.2 of the Ocwen Financial Corporation 2021 Equity Incentive Plan (the &#8220;<b>Plan</b>&#8221;) shall be restated in its entirety as
follows (all capitalized terms not defined herein shall have the meanings ascribed to them in the Plan):</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.2
<i>Aggregate Share Limit</i></b>. The maximum number of shares of Common Stock that may be delivered pursuant to awards granted to Eligible
Persons under this Plan (the &#8220;<b>Share Limit</b>&#8221;) is equal to the sum of the following:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)
1,290,000 shares of Common Stock, plus</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)
the number of shares of Common Stock available for additional award grant purposes under the Corporation&#8217;s 2017 Performance
Incentive Plan (the &#8220;<b>2017 Plan</b>&#8221;) as of the date of stockholder approval of this Plan (the &#8220;<b>Stockholder
Approval Date</b>&#8221;) and determined immediately prior to the termination of the authority to grant new awards under the 2017
Plan as of the Stockholder Approval Date, plus</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)
the number of any shares subject to restricted stock and restricted stock unit awards granted under the 2017 Plan and the
Corporation&#8217;s 2007 Equity Incentive Plan (the <b>&#8220;2007 Plan</b>&#8221;, and together with the 2017 Plan, the
&#8220;<b>Legacy Plans</b>&#8221;) that are outstanding and unvested on the Stockholder Approval Date that are forfeited,
terminated, cancelled or otherwise reacquired by the Corporation without having become vested, provided that in order to take the
Full-Value Award ratio below into account, each share subject to any such award shall be credited as 1.2 shares when determining the
number of shares that shall become available for new awards under this Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">provided
that in no event shall the Share Limit exceed 1,889,443 shares (which is the sum of (i) the 1,290 000 shares set forth above, plus (ii)
zero shares available under the 2017 Plan for additional award grant purposes as of the Effective Date (as such term is defined in Section
8.6.1), plus (iii) 599,443 shares, which is a maximum of 499,536 shares subject to restricted stock and restricted stock unit awards
previously granted and outstanding and unvested under the Legacy Plans as of the Effective Date that could become available under the
Legacy Plans as a result of the forfeiture, termination or cancellation of such awards multiplied by a factor of 1.2 (the share-counting
ratio for such awards under clause (3) above).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
issued in respect of any &#8220;Full-Value Award&#8221; granted under this Plan shall be counted against the foregoing Share Limit as
1.2 shares for every one share issued in connection with such award. (For example, if a stock bonus of 100 shares of Common Stock is
granted under this Plan, 120 shares shall be counted against the Share Limit in connection with that award.) For this purpose, a &#8220;<b>Full-Value
Award</b>&#8221; means any award that is <span style="text-decoration: underline">not</span> a stock option grant or a SAR grant.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OCWEN
FINANCIAL CORPORATION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2021
EQUITY INCENTIVE PLAN</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Effective
May 25, 2021</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1.
</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>PURPOSE
  OF PLAN</b></span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
purpose of this Ocwen Financial Corporation 2021 Equity Incentive Plan (this &#8220;<b>Plan</b>&#8221;) of Ocwen Financial Corporation,
a Florida corporation (the &#8220;<b>Corporation</b>&#8221;), is to promote the success of the Corporation by providing an additional
means through the grant of awards to attract, motivate, retain and reward selected employees and other eligible persons and to enhance
the alignment of the interests of the selected participants with the interests of the Corporation&#8217;s stockholders.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ELIGIBILITY</b></span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Administrator (as such term is defined in Section 3.1) may grant awards under this Plan only to those persons that the Administrator
determines to be Eligible Persons. An &#8220;<b>Eligible Person</b>&#8221; is any person who is either: (a) an officer (whether or not
a director) or employee of the Corporation or one of its Subsidiaries; (b) a director of the Corporation or one of its Subsidiaries;
or (c) an individual consultant or advisor who renders or has rendered bona fide services (other than services in connection with the
offering or sale of securities of the Corporation or one of its Subsidiaries in a capital-raising transaction or as a market maker or
promoter of securities of the Corporation or one of its Subsidiaries) to the Corporation or one of its Subsidiaries and who is selected
to participate in this Plan by the Administrator; provided, however, that a person who is otherwise an Eligible Person under clause (c)
above may participate in this Plan only if such participation would not adversely affect either the Corporation&#8217;s eligibility to
use Form S-8 to register under the Securities Act of 1933, as amended (the &#8220;<b>Securities Act</b>&#8221;), the offering and sale
of shares issuable under this Plan by the Corporation or the Corporation&#8217;s compliance with any other applicable laws. An Eligible
Person who has been granted an award (a &#8220;participant&#8221;) may, if otherwise eligible, be granted additional awards if the Administrator
shall so determine. As used herein, &#8220;<b>Subsidiary</b>&#8221; means any corporation or other entity a majority of whose outstanding
voting stock or voting power is beneficially owned directly or indirectly by the Corporation; and &#8220;<b>Board</b>&#8221; means the
Board of Directors of the Corporation.</span></p>

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<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>PLAN ADMINISTRATION</b></span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.1 <i>The
Administrator</i></b>. This Plan shall be administered by and all awards under this Plan shall be authorized by the Administrator.
The &#8220;<b>Administrator</b>&#8221; means the Board or one or more committees (or subcommittees, as the case may be) appointed by
the Board or another committee (within its delegated authority) to administer all or certain aspects of this Plan. Any such
committee shall be comprised solely of one or more directors or such number of directors as may be required under applicable law. A
committee may delegate some or all of its authority to another committee so constituted. The Board or a committee comprised solely
of directors may also delegate, to the extent permitted by applicable law, to one or more officers of the Corporation, its authority
under this Plan. The Board or another committee (within its delegated authority) may delegate different levels of authority to
different committees or persons with administrative and grant authority under this Plan. Unless otherwise provided in the Bylaws of
the Corporation or the applicable charter of any Administrator: (a) a majority of the members of the acting Administrator shall
constitute a quorum, and (b) the vote of a majority of the members present assuming the presence of a quorum or the unanimous
written consent of the members of the Administrator shall constitute action by the acting Administrator.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.2 <i>Powers
of the Administrator</i></b>. Subject to the express provisions of this Plan, the Administrator is authorized and empowered to do
all things necessary or desirable in connection with the authorization of awards and the administration of this Plan (in the case of
a committee or delegation to one or more officers, within any express limits on the authority delegated to that committee or
person(s)), including, without limitation, the authority to:</span></p>




<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
determine eligibility and, from among those persons determined to be eligible, determine the particular Eligible Persons who will
receive an award under this Plan;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
grant awards to Eligible Persons, determine the price (if any) at which securities will be offered or awarded and the number of
securities to be offered or awarded to any of such persons (in the case of securities-based awards), determine the other specific
terms and conditions of awards consistent with the express limits of this Plan, establish the installments (if any) in which such
awards shall become exercisable or shall vest (which may include, without limitation, performance and/or time-based schedules), or
determine that no delayed exercisability or vesting is required (subject to the minimum vesting rules of Section 5.2), establish any
applicable performance-based exercisability or vesting requirements, determine the circumstances in which any performance-based
goals (or the applicable measure of performance) will be adjusted and the nature and impact of any such adjustment, determine the
extent (if any) to which any applicable exercise and vesting requirements have been satisfied, establish the events (if any) on
which exercisability or vesting may accelerate (which may include, without limitation, retirement and other specified terminations
of employment or services, or other circumstances), and establish the events (if any) of termination, expiration or reversion of
such awards;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
approve the forms of any award agreements (which need not be identical either as to type of award or among participants);</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
construe and interpret this Plan and any agreements defining the rights and obligations of the Corporation, its Subsidiaries, and
participants under this Plan, make any and all determinations necessary under this Plan and any such agreements, further define the
terms used in this Plan, and prescribe, amend and rescind rules and regulations relating to the administration of this Plan or the
awards granted under this Plan;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)
cancel, modify, or waive the Corporation&#8217;s rights with respect to, or modify, discontinue, suspend, or terminate any or all
outstanding awards, subject to any required consent under Section 8.6.5;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)
accelerate, waive or extend the vesting or exercisability, or modify or extend the term of, any or all such outstanding awards (in
the case of options or stock appreciation rights, within the maximum ten-year term of such awards) in such circumstances as the
Administrator may deem appropriate (including, without limitation, in connection with a termination of employment or services or
other events of a personal nature) subject to any required consent under Section 8.6.5;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)
adjust the number of shares of Common Stock subject to any award, adjust the price of any or all outstanding awards or otherwise
waive or change previously imposed terms and conditions, in such circumstances as the Administrator may deem appropriate, in each
case subject to Sections 4 and 8.6 (and subject to the no repricing provision below);</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)
determine the date of grant of an award, which may be a designated date after but not before the date of the Administrator&#8217;s
action to approve the award (unless otherwise designated by the Administrator, the date of grant of an award shall be the date upon
which the Administrator took the action approving the award); provided, that the grant date of any award may not be modified once
such grant date has occurred;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)
determine whether, and the extent to which, adjustments are required pursuant to Section 7.1 hereof and take any other actions
contemplated by Section 7 in connection with the occurrence of an event of the type described in Section 7;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)
acquire or settle (subject to Sections 7 and 8.6) rights under awards in cash, stock of equivalent value, or other consideration
(subject to the no repricing provision below); and</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)
determine the fair market value of the Common Stock or awards under this Plan from time to time and/or the manner in which such
value will be determined.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.3 <i>Prohibition
on Repricing</i></b>. Notwithstanding anything to the contrary in Section 3.2 and except for an adjustment pursuant to Section 7.1
or a repricing approved by stockholders, in no case may the Administrator (1) amend an outstanding stock option or stock
appreciation right (&#8220;<b>SAR</b>&#8221;) to reduce the exercise price or base price of the award, (2) cancel, exchange, or
surrender an outstanding stock option or SAR in exchange for cash or other awards at any time that the exercise price or base price
of the award is greater than fair market value or under any other circumstances that would constitute repricing the award, or (3)
cancel, exchange, or surrender an outstanding stock option or SAR in exchange for an option or SAR with an exercise or base price
that is less than the exercise or base price of the original award.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.4<i>
Binding Determinations</i></b>. Any determination or other action taken by, or inaction of, the Corporation, any Subsidiary, or the
Administrator relating or pursuant to this Plan (or any award made under this Plan) and within its authority hereunder or under
applicable law shall be within the absolute discretion of that entity or body and shall be conclusive and binding upon all persons.
Neither the Board nor any Board committee, nor any member thereof or person acting at the direction thereof, shall be liable for any
act, omission, interpretation, construction or determination made in good faith in connection with this Plan (or any award made
under this Plan), and all such persons shall be entitled to indemnification and reimbursement by the Corporation in respect of any
claim, loss, damage or expense (including, without limitation, attorneys&#8217; fees) arising or resulting therefrom to the fullest
extent permitted by law and/or under any directors and officers liability insurance coverage that may be in effect from time to
time. Neither the Board nor any other Administrator, nor any member thereof or person acting at the direction thereof, nor the
Corporation or any of its Subsidiaries, shall be liable for any damages of a participant should an option intended as an ISO (as
defined below) fail to meet the requirements of the Internal Revenue Code of 1986, as amended (the &#8220;<b>Code</b>&#8221;),
applicable to ISOs, should any other award(s) fail to qualify for any intended tax treatment or be subject to tax, penalty, or
interest under Section 409A of the Code or other tax penalties, should any award grant or other action with respect thereto not
satisfy Rule 16b-3 promulgated under the Securities Exchange Act of 1934, as amended, or otherwise for any tax or other liability
imposed on a participant with respect to an award.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.5<i>
Reliance on Experts</i></b>. In making any determination or in taking or not taking any action under this Plan, the Administrator
may obtain and may rely upon the advice of experts, including employees and professional advisors to the Corporation. No director,
officer or agent of the Corporation or any of its Subsidiaries shall be liable for any such action or determination taken or made or
omitted in good faith.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.6 <i>Delegation</i></b>.
The Administrator may delegate ministerial, non-discretionary functions to individuals who are officers or employees of the
Corporation or any of its Subsidiaries or to third parties.</span></p>

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<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>SHARES
  OF COMMON STOCK SUBJECT TO THE PLAN; SHARE LIMITS</b></span></td></tr>
</table>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.1 <i>Shares
Available</i></b>. Subject to the provisions of Section 7.1, the capital stock that may be delivered under this Plan shall be shares
of the Corporation&#8217;s authorized but unissued Common Stock and any shares of its Common Stock held as treasury shares. For
purposes of this Plan, &#8220;<b>Common Stock</b>&#8221; shall mean the common stock of the Corporation and such other securities or
property as may become the subject of awards under this Plan, or may become subject to such awards, pursuant to an adjustment made
under Section 7.1.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.2 <i>Aggregate
Share Limit</i></b>. The maximum number of shares of Common Stock that may be delivered pursuant to awards granted to Eligible
Persons under this Plan (the &#8220;<b>Share Limit</b>&#8221;) is equal to the sum of the following:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)
490,000 shares of Common Stock, plus</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)
the number of shares of Common Stock available for additional award grant purposes under the Corporation&#8217;s 2017 Performance
Incentive Plan (the &#8220;<b>2017 Plan</b>&#8221;) as of the date of stockholder approval of this Plan (the &#8220;<b>Stockholder
Approval Date</b>&#8221;) and determined immediately prior to the termination of the authority to grant new awards under the 2017
Plan as of the Stockholder Approval Date, plus</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)
the number of any shares subject to restricted stock and restricted stock unit awards granted under the 2017 Plan and the
Corporation&#8217;s 2007 Equity Incentive Plan (the <b>&#8220;2007 Plan</b>&#8221;, and together with the 2017 Plan, the
&#8220;<b>Legacy Plans</b>&#8221;) that are outstanding and unvested on the Stockholder Approval Date that are forfeited,
terminated, cancelled or otherwise reacquired by the Corporation without having become vested, provided that in order to take the
Full-Value Award ratio below into account, each share subject to any such award shall be credited as 1.2 shares when determining the
number of shares that shall become available for new awards under this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">provided
that in no event shall the Share Limit exceed 1,089,443 shares (which is the sum of (i) the 490,000 shares set forth above, plus (ii)
zero shares available under the 2017 Plan for additional award grant purposes as of the Effective Date (as such term is defined in Section
8.6.1), plus (iii) 599,443 shares, which is a maximum of 499,536 shares subject to restricted stock and restricted stock unit awards
previously granted and outstanding and unvested under the Legacy Plans as of the Effective Date that could become available under the
Legacy Plans as a result of the forfeiture, termination or cancellation of such awards multiplied by a factor of 1.2 (the share-counting
ratio for such awards under clause (3) above).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
issued in respect of any &#8220;Full-Value Award&#8221; granted under this Plan shall be counted against the foregoing Share Limit as
1.2 shares for every one share issued in connection with such award. (For example, if a stock bonus of 100 shares of Common Stock is
granted under this Plan, 120 shares shall be counted against the Share Limit in connection with that award.) For this purpose, a &#8220;<b>Full-Value
Award</b>&#8221; means any award that is <span style="text-decoration: underline">not</span> a stock option grant or a SAR grant.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.3</b> <b><i>Additional
Share Limits</i></b>. The following limits also apply with respect to awards granted under this Plan. These limits are in addition
to, not in lieu of, the aggregate Share Limit in Section 4.2.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
The maximum number of shares of Common Stock that may be delivered pursuant to options qualified as incentive stock options granted
under this Plan is 333,333 shares.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
Awards that are granted under this Plan during any one calendar year to any person who, on the grant date of the award, is a
non-employee director are subject to the limits of this Section 4.3(b). The maximum number of shares of Common Stock subject to
those awards that are granted under this Plan during any one calendar year to an individual who, on the grant date of the award, is
a non-employee director is the number of shares that produce a grant date fair value for the award that, when combined with the
grant date fair value of any other awards granted under this Plan during that same calendar year to that individual in his or her
capacity as a non-employee director, is $300,000; provided that this limit is $400,000 as to (1) a non-employee director who is
serving as the independent Chair of the Board or as a lead independent director at the time the applicable grant is made or (2) any
new non-employee director for the calendar year in which the non-employee director is first elected or appointed to the Board. For
purposes of this Section 4.3(b), a &#8220;non-employee director&#8221; is an individual who, on the grant date of the award, is a
member of the Board who is not then an officer or employee of the Corporation or one of its Subsidiaries. For purposes of this
Section 4.3(b), &#8220;grant date fair value&#8221; means the value of the award as of the date of grant of the award and as
determined using the equity award valuation principles applied in the Corporation&#8217;s financial reporting. The limits of this
Section 4.3(b) do not apply to, and shall be determined without taking into account, any award granted to an individual who, on the
grant date of the award, is an officer or employee of the Corporation or one of its Subsidiaries. The limits of this Section 4.3(b)
apply on an individual basis and not on an aggregate basis to all non-employee directors as a group.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
The Corporation may not increase the Share Limit by repurchasing shares of Common Stock on the market (by using cash received
through the exercise of stock options or otherwise).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.4 <i>Share-Limit
Counting Rules</i></b>. The Share Limit shall be subject to the following provisions of this Section 4.4:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
Shares that are subject to or underlie Full Value Awards granted under this Plan, which expire
or for any reason are cancelled or terminated, are forfeited, fail to vest, or for any other reason are not paid or delivered under this
Plan shall not be counted against the Share Limit and shall be available for subsequent awards under this Plan. Shares that underlie
SARS and stock options which expire or for any reason are cancelled or terminated, are forfeited, fail to vest, or for any other reason
are not paid or delivered under this Plan shall be counted against the Share Limit and shall not be available for subsequent awards under
this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
To the extent that shares of Common Stock are delivered pursuant to the exercise of a stock option or SAR granted under this Plan,
the number of shares as to which the portion of the stock option or SAR so exercised relates shall be counted against the Share
Limit as opposed to only counting the net number of shares actually issued in connection with such exercise. (For purposes of
clarity, if a stock option or SAR right relates to 100,000 shares and is exercised as to all 100,000 shares at a time when the net
number of shares due to the participant in connection with such exercise is 15,000 shares (taking into account any shares withheld
to satisfy any applicable exercise or base price of the award and any shares withheld to satisfy any tax withholding obligations in
connection with such exercise), 100,000 shares shall be counted against the Share Limit with respect to such award.)</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
Shares that are exchanged by a participant or withheld by the Corporation as full or partial payment in connection with any stock
option or SAR granted under this Plan, as well as any shares exchanged by a participant or withheld by the Corporation or one of its
Subsidiaries to satisfy the tax withholding obligations related to any stock option or SAR granted under this Plan, shall not be
available for subsequent awards under this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
Shares that are exchanged by a participant or withheld by the Corporation as full or partial payment in connection with any
Full-Value Award granted under this Plan or the Legacy Plans, as well as any shares exchanged by a participant or withheld by the
Corporation or one of its Subsidiaries to satisfy the tax withholding obligations related to any Full-Value Award granted under this
Plan or the Legacy Plans, shall not be counted against the Share Limit and shall be available for subsequent awards under this Plan,
provided that any one (1) share so exchanged or withheld in connection with any Full-Value Award shall be credited as 1.2 shares
when determining the number of shares that shall again become available for subsequent awards under this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)
To the extent that an award granted under this Plan is settled in cash or a form other than shares of Common Stock, the shares that
would have been delivered had there been no such cash or other settlement shall not be counted against the Share Limit and shall be
available for subsequent awards under this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)
In the event that shares of Common Stock are delivered in respect of a dividend equivalent right granted under this Plan, the number
of shares delivered with respect to the award shall be counted against the Share Limit. (For purposes of clarity, if 1,000 dividend
equivalent rights are granted and outstanding when the Corporation pays a dividend, and 50 shares are delivered in payment of those
rights with respect to that dividend, 60 shares (after giving effect to the Full-Value Award premium counting rules) shall be
counted against the Share Limit). Except as otherwise provided by the Administrator, shares delivered in respect of dividend
equivalent rights shall not count against any individual award limit under this Plan other than the aggregate Share
Limit.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Refer
to Section 8.10 for application of the share limits of this Plan, including the limits in Sections 4.2 and 4.3, with respect to assumed
awards. Each of the numerical limits and references in Sections 4.2 and 4.3, and in this Section 4.4, is subject to adjustment as contemplated
by Section 4.3, Section 7 and Section 8.10. The share limits of Section 4.3 shall be applied on a one-for-one basis without applying
the Full-Value Award premium counting rule taken into account in determining the Share Limit.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.5</b> <b><i>No
Fractional Shares; Minimum Issue</i></b>. Unless otherwise expressly provided by the Administrator, no fractional shares shall be
delivered under this Plan. The Administrator may pay cash in lieu of any fractional shares in settlements of awards under this Plan.
The Administrator may from time to time impose a limit (of not greater than 100 shares) on the minimum number of shares that may be
purchased or exercised as to awards (or any particular award) granted under this Plan unless (as to any particular award) the total
number purchased or exercised is the total number at the time available for purchase or exercise under the award.</span></p>

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<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>AWARDS</b></span></td></tr>
</table>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.1</b> <b><i>Type
and Form of Awards</i></b>. The Administrator shall determine the type or types of award(s) to be made to each selected Eligible
Person. Awards may be granted singly, in combination or in tandem. Awards also may be made in combination or in tandem with, in
replacement of, as alternatives to, or as the payment form for grants or rights under any other employee or compensation plan of the
Corporation or one of its Subsidiaries. The types of awards that may be granted under this Plan are:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.1.1</b> <b><i>Stock
Options</i></b>. A stock option is the grant of a right to purchase a specified number of shares of Common Stock during a specified
period as determined by the Administrator. An option may be intended as an incentive stock option within the meaning of Section 422
of the Code (an &#8220;<b>ISO</b>&#8221;) or a nonqualified stock option (an option not intended to be an ISO). The agreement
evidencing the grant of an option will indicate if the option is intended as an ISO; otherwise it will be deemed to be a
nonqualified stock option. The maximum term of each option (ISO or nonqualified) shall be ten (10) years. The per share exercise
price for each option shall be not less than 100% of the fair market value of a share of Common Stock on the date of grant of the
option. When an option is exercised, the exercise price for the shares to be purchased shall be paid in full in cash or such other
method permitted by the Administrator consistent with Section 5.5.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.1.2</b> <b><i>Additional
Rules Applicable to ISOs</i></b>. To the extent that the aggregate fair market value (determined at the time of grant of the
applicable option) of stock with respect to which ISOs first become exercisable by a participant in any calendar year exceeds
$100,000, taking into account both Common Stock subject to ISOs under this Plan and stock subject to ISOs under all other plans of
the Corporation or one of its Subsidiaries (or any parent or predecessor corporation to the extent required by and within the
meaning of Section 422 of the Code and the regulations promulgated thereunder), such options shall be treated as nonqualified stock
options. In reducing the number of options treated as ISOs to meet the $100,000 limit, the most recently granted options shall be
reduced first. To the extent a reduction of simultaneously granted options is necessary to meet the $100,000 limit, the
Administrator may, in the manner and to the extent permitted by law, designate which shares of Common Stock are to be treated as
shares acquired pursuant to the exercise of an ISO. ISOs may only be granted to employees of the Corporation or one of its
subsidiaries (for this purpose, the term &#8220;subsidiary&#8221; is used as defined in Section 424(f) of the Code, which generally
requires an unbroken chain of ownership of at least 50% of the total combined voting power of all classes of stock of each
subsidiary in the chain beginning with the Corporation and ending with the subsidiary in question). No ISO may be granted to any
person who, at the time the option is granted, owns (or is deemed to own under Section 424(d) of the Code) shares of outstanding
Common Stock possessing more than 10% of the total combined voting power of all classes of stock of the Corporation, unless the
exercise price of such option is at least 110% of the fair market value of the stock subject to the option and such option by its
terms is not exercisable after the expiration of five years from the date such option is granted. If an otherwise-intended ISO fails
to meet the applicable requirements of Section 422 of the Code, the option shall be a nonqualified stock option.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.1.3</b> <b><i>Stock
Appreciation Rights</i></b>. A stock appreciation right or &#8220;<b>SAR</b>&#8221; is a right to receive a payment, in cash and/or
Common Stock, equal to the excess of the fair market value of a specified number of shares of Common Stock on the date the SAR is
exercised over the &#8220;<b>base price</b>&#8221; of the award, which base price shall be set forth in the applicable award
agreement and shall be not less than 100% of the fair market value of a share of Common Stock on the date of grant of the SAR. The
maximum term of a SAR shall be ten (10) years.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.1.4</b> <b><i>Other
Awards; Dividend Equivalent Rights</i></b>. The other types of awards that may be granted under this Plan include: (a) stock
bonuses, restricted stock, performance stock, stock units, phantom stock or similar rights to purchase or acquire shares, whether at
a fixed or variable price (or no price) or fixed or variable ratio related to the Common Stock, and any of which may (but need not)
be fully vested at grant (except as provided below with respect to dividend equivalent rights) or vest upon the passage of time, the
occurrence of one or more events, the satisfaction of performance criteria or other conditions, or any combination thereof; or (b)
cash awards. Dividend equivalent rights may be granted as a separate award or in connection with another award under this Plan;
provided, however, that dividend equivalent rights may not be granted as to a stock option or SAR granted under this Plan. The
payment of dividends on any unvested award or portion thereof is expressly prohibited, except with respect to restricted stock,
regarding which the applicable award agreement shall provide that in the event a dividend is paid on unvested shares which fail to
vest, the dividend shall be repaid by the award holder. With respect to all other awards, dividend equivalents may accrue during the
vesting period and payment may be made upon vesting. Dividend equivalents as to the portion of an award that is subject to
unsatisfied vesting requirements will be subject to termination and forfeiture to the same extent as the corresponding portion of
the award to which they relate in the event the applicable vesting requirements are not satisfied.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.2</b> <b><i>Minimum
Vesting Requirement</i></b>. Except for any accelerated vesting required pursuant to Section 7 or as provided in the next sentence,
each award granted under this Plan shall be subject to a minimum vesting requirement of one year and no portion of any such award
may provide that it will vest earlier than the first anniversary of the date of grant of the award other than due to the death,
disability, or involuntary termination of the employment or services of the award holder, or in connection with a Change in Control
(as such term is defined in Section 7.3) (the &#8220;<b>Minimum Vesting Requirement</b>&#8221;). Awards may be granted under this
Plan with minimum vesting requirements of less than one year, or no vesting requirements, provided that the total number of shares
of Common Stock subject to such awards shall not exceed 5% of the Share Limit.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.3 <i>Award
Agreements</i></b>. Each award shall be evidenced by a written or electronic award agreement or notice in a form approved by the
Administrator (an &#8220;award agreement&#8221;), and, in each case and if required by the Administrator, executed or otherwise
electronically accepted (including deemed acceptance) by the recipient of the award in such form and manner as the Administrator may
require. The Administrator may authorize any officer of the Corporation (other than the particular award recipient) to execute any
or all award agreements on behalf of the Corporation. The award agreement shall set forth the material terms and conditions of the
award as established by the Administrator consistent with the express limitations of this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.4</b> <b><i>Deferrals
and Settlements</i></b>. Payment of awards may be in the form of cash, Common Stock, other awards or combinations thereof as the
Administrator shall determine, and with such restrictions (if any) as it may impose, as set forth in the applicable award agreement.
The Administrator may also require or permit participants to elect to defer the issuance of shares or the settlement of awards in
cash under such rules and procedures as it may establish under this Plan and in accordance with the applicable award agreement. The
Administrator may also provide that deferred settlements include the payment or crediting of interest or other earnings on the
deferral amounts, or the payment or crediting of dividend equivalents where the deferred amounts are denominated in
shares.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.5</b> <b><i>Consideration
for Common Stock or Awards</i></b><span style="color: blue">.</span> The purchase price (if any) for any award granted under this
Plan or the Common Stock to be delivered pursuant to an award, as applicable, may be paid by means of any lawful consideration as
determined by the Administrator, including, without limitation, one or a combination of the following methods:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
a reduction in compensation otherwise payable to the recipient of such award or for services rendered by the recipient of such
award;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
cash, check payable to the order of the Corporation, or electronic funds transfer;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
notice and third-party payment in such manner as may be authorized by the Administrator;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
the delivery of previously owned shares of Common Stock;</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)
by a reduction in the number of shares otherwise deliverable pursuant to the award; or</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)
subject to such procedures as the Administrator may adopt, pursuant to a &#8220;cashless exercise&#8221; with a third party who
provides financing for the purposes of (or who otherwise facilitates) the purchase or exercise of awards.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
no event shall any shares newly-issued by the Corporation be issued for less than the minimum lawful consideration for such shares or
for consideration other than consideration permitted by applicable state law. Shares of Common Stock used to satisfy the exercise price
of an option shall be valued at their fair market value. The Corporation will not be obligated to deliver any shares unless and until
it receives full payment of the exercise or purchase price therefor and any related withholding obligations under Section 8.5 and any
other conditions to exercise or purchase have been satisfied. Unless otherwise expressly provided in the applicable award agreement,
the Administrator may at any time eliminate or limit a participant&#8217;s ability to pay any purchase or exercise price of any award
or shares by any method other than cash payment to the Corporation.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.6</b> <b><i>Definition
of Fair Market Value</i></b>. For purposes of this Plan, &#8220;fair market value&#8221; shall mean, unless otherwise determined or
provided by the Administrator in the circumstances, the closing price (in regular trading) for a share of Common Stock on the New
York Stock Exchange (the &#8220;<b>Exchange</b>&#8221;) for the date in question or, if no sales of Common Stock were reported on
the Exchange on that date, the closing price (in regular trading) for a share of Common Stock on the Exchange for the next preceding
day on which sales of Common Stock were reported on the Exchange. The Administrator may, however, provide with respect to one or
more awards that the fair market value shall equal the closing price (in regular trading) for a share of Common Stock on the
Exchange on the last trading day preceding the date in question or the average of the high and low trading prices of a share of
Common Stock on the Exchange for the date in question or the most recent trading day. If the Common Stock is no longer listed or is
no longer actively traded on the Exchange as of the applicable date, the fair market value of the Common Stock shall be the value as
reasonably determined by the Administrator for purposes of the award in the circumstances. The Administrator also may adopt a
different methodology for determining fair market value with respect to one or more awards if a different methodology is necessary
or advisable to secure any intended favorable tax, legal or other treatment for the particular award(s) (for example, and without
limitation, the Administrator may provide that fair market value for purposes of one or more awards will be based on an average of
closing prices (or the average of high and low daily trading prices) for a specified period preceding the relevant date).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.7</b> <b><i>Transfer
Restrictions</i></b>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.7.1</b> <b><i>Limitations
on Exercise and Transfer</i></b>. Unless otherwise expressly provided in (or pursuant to) this Section 5.7 or required by applicable
law or the award agreement: (a) all awards are non-transferable and shall not be subject in any manner to sale, transfer,
anticipation, alienation, assignment, pledge, encumbrance or charge; (b) awards shall be exercised only by the participant; and (c)
amounts payable or shares issuable pursuant to any award shall be delivered only to (or for the account of) the
participant.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.7.2</b> <b><i>Exceptions</i></b>.
The Administrator may permit awards to be exercised by and paid to, or otherwise transferred to, other persons or entities pursuant
to such conditions and procedures, including limitations on subsequent transfers, as the Administrator may, in its sole discretion,
establish in writing. Any permitted transfer shall be subject to compliance with applicable federal and state securities laws and
shall not be for value (other than nominal consideration, settlement of marital property rights, or for interests in an entity in
which more than 50% of the voting interests are held by the Eligible Person or by the Eligible Person&#8217;s family
members).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.7.3</b> <b><i>Further
Exceptions to Limits on Transfer</i></b>. The exercise and transfer restrictions in Section 5.7.1 shall not apply to:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
transfers to the Corporation (for example, in connection with the expiration or termination of the award),</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
the designation of a beneficiary to receive benefits in the event of the participant&#8217;s death or, if the participant has died,
transfers to or exercise by the participant&#8217;s beneficiary, or, in the absence of a validly designated beneficiary, transfers
by will or the laws of descent and distribution,</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
subject to any applicable limitations on ISOs and to such procedures as the Administrator may prescribe, transfers to a family
member (or former family member) pursuant to a domestic relations order if received by the Administrator,</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
if the participant has suffered a disability, permitted transfers or exercises on behalf of the participant by his or her legal
representative, or</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)
the authorization by the Administrator of &#8220;cashless exercise&#8221; procedures with third parties who provide financing for
the purpose of (or who otherwise facilitate) the exercise of awards consistent with applicable laws and any limitations imposed by
the Administrator.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.8</b> <b><i>International
Awards</i></b>. One or more awards may be granted to Eligible Persons who provide services to the Corporation or one of its
Subsidiaries outside of the United States. Any awards granted to such persons may be granted pursuant to the terms and conditions of
any applicable sub-plans, if any, appended to this Plan and approved by the Administrator from time to time. The awards so granted
need not comply with other specific terms of this Plan, provided that stockholder approval of any deviation from the specific terms
of this Plan is not required by applicable law or any applicable listing agency.</span></p>

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<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EFFECT OF TERMINATION OF EMPLOYMENT OR SERVICE ON AWARDS</b></span></td></tr>
</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.1</b> <b><i>General</i></b>.
The Administrator shall establish the effect (if any) of a termination of employment or service on the rights and benefits under
each award under this Plan and in so doing may make distinctions based upon, inter alia, the cause of termination and type of award.
If the participant is not an employee of the Corporation or one of its Subsidiaries, is not a member of the Board, and provides
other services to the Corporation or one of its Subsidiaries, the Administrator shall be the sole judge for purposes of this Plan
(unless a contract or the award otherwise provides) of whether the participant continues to render services to the Corporation or
one of its Subsidiaries and the date, if any, upon which such services shall be deemed to have terminated.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.2</b> <b><i>Events
Not Deemed Terminations of Employment</i></b>. Unless the express policy of the Corporation or one of its Subsidiaries, or the
Administrator, otherwise provides, or except as otherwise required by applicable law, the employment relationship shall not be
considered terminated in the case of (a) sick leave, (b) military leave, or (c) any other leave of absence authorized by the
Corporation or one of its Subsidiaries, or the Administrator; provided that, unless reemployment upon the expiration of such leave
is guaranteed by contract or law or the Administrator otherwise provides, such leave is for a period of not more than three months.
In the case of any employee of the Corporation or one of its Subsidiaries on an approved leave of absence, continued vesting of the
award while on leave from the employ of the Corporation or one of its Subsidiaries may be suspended until the employee returns to
service, unless the Administrator otherwise provides or applicable law otherwise requires. In no event shall an award be exercised
after the expiration of any applicable maximum term of the award.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.3</b> <b><i>Effect
of Change of Subsidiary Status</i></b>. For purposes of this Plan and any award, if an entity ceases to be a Subsidiary of the
Corporation a termination of employment or service shall be deemed to have occurred with respect to each Eligible Person in respect
of such Subsidiary who does not continue as an Eligible Person in respect of the Corporation or another Subsidiary that continues as
such after giving effect to the transaction or other event giving rise to the change in status unless the Subsidiary that is sold,
spun-off or otherwise divested (or its successor or a direct or indirect parent of such Subsidiary or successor) assumes the
Eligible Person&#8217;s award(s) in connection with such transaction.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ADJUSTMENTS; ACCELERATION</b></span></td></tr>
</table>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7.1 <i>Adjustments</i></b>.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
Subject to Section 7.2, upon (or, as may be necessary to effect the adjustment, immediately prior to): any reclassification,
recapitalization, stock split (including a stock split in the form of a stock dividend) or reverse stock split; any merger,
combination, consolidation, conversion or other reorganization; any spin-off, split-up, or similar extraordinary dividend
distribution in respect of the Common Stock; or any exchange of Common Stock or other securities of the Corporation, or any similar,
unusual or extraordinary corporate transaction in respect of the Common Stock; then the Administrator shall equitably and
proportionately adjust (1) the number and type of shares of Common Stock (or other securities) that thereafter may be made the
subject of awards (including the specific share limits, maximums and numbers of shares set forth elsewhere in this Plan), (2) the
number, amount and type of shares of Common Stock (or other securities or property) subject to any outstanding awards, (3) the
grant, purchase, or exercise price (which term includes the base price of any SAR or similar right) of any outstanding awards,
and/or (4) the securities, cash or other property deliverable upon exercise or payment of any outstanding awards, in each case to
the extent necessary to preserve (but not increase) the level of incentives intended by this Plan and the then-outstanding
awards.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
Unless otherwise expressly provided in the applicable award agreement, upon (or, as may be necessary to effect the adjustment,
immediately prior to) any event or transaction described in the preceding paragraph or a sale of all or substantially all of the
business or assets of the Corporation as an entirety, the Administrator shall equitably and proportionately adjust the performance
standards and/or period applicable to any then-outstanding performance-based awards to the extent necessary to preserve (but not
increase) the level of incentives intended by this Plan and the then-outstanding performance-based awards.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>




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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
It is intended that, if possible, any adjustments contemplated by the preceding two paragraphs be made in a manner that satisfies
applicable U.S. legal, tax (including, without limitation and as applicable in the circumstances, Section 424 of the Code as to
ISOs, Section 409A of the Code as to awards intended to comply therewith and not be subject to taxation thereunder, and Section
162(m) of the Code as to any Qualifying Option or SAR and any Qualified Performance-Based Award) and accounting (so as to not
trigger any unintended charge to earnings with respect to such adjustment) requirements.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
Without limiting the generality of Section 3.4, any good faith determination by the Administrator as to whether an adjustment is
required in the circumstances pursuant to this Section 7.1, and the extent and nature of any such adjustment, shall be conclusive
and binding on all persons.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7.2
</b><b><i>Corporate Transactions - Assumption and Termination of Awards</i></b>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
Upon any event in which the Corporation does not survive, or does not survive as a public company in respect of its Common Stock
(including, without limitation, a dissolution, merger, combination, consolidation, conversion, exchange of securities, or other
reorganization, or a sale of all or substantially all of the business, stock or assets of the Corporation, in any case in connection
with which the Corporation does not survive or does not survive as a public company in respect of its Common Stock), then the
Administrator may make provision for a cash payment in settlement of, or for the termination, assumption, substitution or exchange
of any or all outstanding share-based awards or the cash, securities or property deliverable to the holder of any or all outstanding
share-based awards, based upon, to the extent relevant under the circumstances, the distribution or consideration payable to holders
of the Common Stock upon or in respect of such event. Upon the occurrence of any event described in the preceding sentence in
connection with which the Administrator has made provision for the award to be terminated (and the Administrator has not made a
provision for the substitution, assumption, exchange or other continuation or settlement of the award or the award otherwise would
not continue in accordance with its terms in the circumstances): (1) unless otherwise provided in the applicable award agreement,
each then-outstanding option and SAR shall become fully vested, all shares of restricted stock then outstanding shall fully vest
free of restrictions, and each other award granted under this Plan that is then outstanding shall become payable to the holder of
such award (with any performance goals applicable to the award in each case being deemed met, unless otherwise provided in the award
agreement, at the &#8220;target&#8221; performance level); and (2) each award shall terminate upon the related event; provided that
the holder of an option or SAR shall be given reasonable advance notice of the impending termination and a reasonable opportunity to
exercise his or her outstanding vested options and SARs (after giving effect to any accelerated vesting required in the
circumstances) in accordance with their terms before the termination of such awards (except that in no case shall more than ten
days&#8217; notice of the impending termination be required and any acceleration of vesting and any exercise of any portion of an
award that is so accelerated may be made contingent upon the actual occurrence of the event).</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
No award granted under this Plan shall provide that such award will automatically accelerate and become vested upon a Change in
Control other than as provided in Section 7.2(a) (i.e., in connection with a termination or settlement of the award in connection
with a transaction referenced in Section 7.2(a)). For clarity, the Administrator may provide, as to one or more awards granted under
this Plan and subject to the minimum vesting provisions of Section 5.2, that the award will accelerate and become vested should the
award holder&#8217;s employment or service terminate (including, but not limited to, in connection with a Change in Control) in such
circumstances as the Administrator may provide.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
For purposes of this Section 7.2, an award shall be deemed to have been &#8220;assumed&#8221; if (without limiting other
circumstances in which an award is assumed) the award continues after an event referred to above in this Section 7.2, and/or is
assumed and continued by the surviving entity following such event (including, without limitation, an entity that, as a result of
such event, owns the Corporation or all or substantially all of the Corporation&#8217;s assets directly or through one or more
subsidiaries (a &#8220;<b>Parent</b>&#8221;)), and confers the right to purchase or receive, as applicable and subject to vesting
and the other terms and conditions of the award, for each share of Common Stock subject to the award immediately prior to the event,
the consideration (whether cash, shares, or other securities or property) received in the event by the stockholders of the
Corporation for each share of Common Stock sold or exchanged in such event (or the consideration received by a majority of the
stockholders participating in such event if the stockholders were offered a choice of consideration); provided, however, that if the
consideration offered for a share of Common Stock in the event is not solely the ordinary common stock of a successor corporation or
a Parent, the Administrator may provide for the consideration to be received upon exercise or payment of the award, for each share
subject to the award, to be solely ordinary common stock of the successor corporation or a Parent equal in fair market value to the
per share consideration received by the stockholders participating in the event.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
The Administrator may adopt such valuation methodologies for outstanding awards as it deems reasonable in the event of a cash or
property settlement and, in the case of options, SARs or similar rights, but without limitation on other methodologies, may base
such settlement solely upon the excess if any of the per share amount payable upon or in respect of such event over the exercise or
base price of the award. In the case of an option, SAR or similar right as to which the per share amount payable upon or in respect
of such event is less than or equal to the exercise or base price of the award, the Administrator may terminate such award in
connection with an event referred to in this Section 7.2 without any payment in respect of such award.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)
In any of the events referred to in this Section 7.2, the Administrator may take such action contemplated by this Section 7.2 prior
to such event (as opposed to on the occurrence of such event) to the extent that the Administrator deems the action necessary to
permit the participant to realize the benefits intended to be conveyed with respect to the underlying shares. Without limiting the
generality of the foregoing, the Administrator may deem an acceleration and/or termination to occur immediately prior to the
applicable event and, in such circumstances, will reinstate the original terms of the award if an event giving rise to an
acceleration and/or termination does not occur.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)
Without limiting the generality of Section 3.4, any good faith determination by the Administrator pursuant to its authority under
this Section 7.2 shall be conclusive and binding on all persons.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)
Subject to Section 7.2(b), the Administrator may override the provisions of this Section 7.2 by express provision in the award
agreement and may accord any Eligible Person a right to refuse any acceleration, whether pursuant to the award agreement or
otherwise, in such circumstances as the Administrator may approve. The portion of any ISO accelerated in connection with an event
referred to in this Section 7.2 (or such other circumstances as may trigger accelerated vesting of the award) shall remain
exercisable as an ISO only to the extent the applicable $100,000 limitation on ISOs is not exceeded. To the extent exceeded, the
accelerated portion of the option shall be exercisable as a nonqualified stock option under the Code.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7.3</b> <b><i>Definition
of Change in Control</i></b>. As used in this Plan, &#8220;<b>Change in Control</b>&#8221; shall mean the occurrence, after the
Effective Date, of any of the following:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
Any &#8220;person&#8221; (as such term is used in Sections 13(d) and 14(d) of the Exchange Act, a &#8220;<b>Person</b>&#8221;),
alone or together with its affiliates and associates, including any group of persons which is deemed a &#8220;person&#8221; under
Section 13(d)(3) of the Exchange Act (other than the Corporation or any subsidiary thereof or any employee benefit plan (or related
trust) of the Corporation or any subsidiary thereof, or any underwriter in connection with a firm commitment public offering of the
Corporation&#8217;s capital stock), becomes the &#8220;beneficial owner&#8221; (as such term is defined in Rule 13d-3 of the
Exchange Act, except that a person shall also be deemed the beneficial owner of all securities which such person may have a right to
acquire, whether or not such right is presently exercisable, referred to herein as &#8220;<b>Beneficially Own</b>&#8221; or
&#8220;<b>Beneficial Owner</b>&#8221; as the context may require) of thirty-three and one third percent or more of (i) the then
outstanding shares of the Corporation&#8217;s common stock (&#8220;<b>Outstanding Company Common Stock</b>&#8221;) or (ii)
securities representing thirty-three and one-third percent or more of the combined voting power of the Corporation&#8217;s then
outstanding voting securities (&#8220;<b>Outstanding Company Voting Securities</b>&#8221;) (in each case, other than an acquisition
in the context of a merger, consolidation, reorganization, asset sale or other extraordinary transaction covered by, and which does
not constitute a Change in Control Event under, clause (c) below);</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
A change, during any period of two consecutive years, of a majority of the Board as constituted
as of the beginning of such period, unless the election, or nomination for election by the Corporation&#8217;s stockholders, of each
director who was not a director at the beginning of such period was approved by vote of at least two-thirds of the Incumbent Directors
then in office (for purposes hereof, &#8220;Incumbent Directors&#8221; shall consist of the directors holding office as of the Effective
Date and any person becoming a director subsequent to such date whose election, or nomination for election by the Corporation&#8217;s
stockholders, is approved by a vote of at least a majority of the Incumbent Directors then in office);</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
Consummation of a reorganization, merger, statutory share exchange or consolidation or similar
extraordinary corporate transaction (or series of related transactions) involving the Corporation, a sale or other disposition of all
or substantially all of the assets of the Corporation, or the acquisition of assets or stock of another entity by the Corporation or
any of its Subsidiaries (each, a &#8220;<b>Business Combination</b>&#8221;), in each case unless, following such Business Combination,
(1) all or substantially all of the individuals and entities that were the beneficial owners of the Outstanding Company Common Stock
and the Outstanding Company Voting Securities immediately prior to such Business Combination beneficially own, directly or indirectly,
more than 50% of the then-outstanding shares of common stock and the combined voting power of the then-outstanding voting securities
entitled to vote generally in the election of directors, as the case may be, of the entity resulting from such Business Combination (including,
without limitation, an entity that, as a result of such transaction, owns the Corporation or all or substantially all of the Corporation&#8217;s
assets directly or through one or more subsidiaries (a &#8220;<b>Parent</b>&#8221;), (2) no Person (excluding any entity resulting from
such Business Combination or a Parent or any employee benefit plan (or related trust) of the Corporation or such entity resulting from
such Business Combination or Parent, and excluding any underwriter in connection with a firm commitment public offering of the Corporation&#8217;s
capital stock) beneficially owns, directly or indirectly, more than 30% of, respectively, the then-outstanding shares of common stock
of the entity resulting from such Business Combination or the combined voting power of the then-outstanding voting securities of such
entity, except to the extent that the ownership in excess of 30% existed prior to the Business Combination, and (3) at least a majority
of the members of the board of directors or trustees of the entity resulting from such Business Combination or a Parent were members
of the Incumbent Board at the time of the execution of the initial agreement or of the action of the Board providing for such Business
Combination; or</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
Approval by the stockholders of the Corporation of a complete liquidation or dissolution of the Corporation other than in the
context of a transaction covered by, and that does not constitute a Change in Control under, clause (c) above.</span></p>

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<table cellpadding="0" cellspacing="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<tr style="vertical-align: top">
  <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.</b></span></td>
  <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OTHER PROVISIONS</b></span></td></tr>
</table>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.1</b> <b><i>Compliance
with Laws</i></b>. This Plan, the granting and vesting of awards under this Plan, the offer, issuance and delivery of shares of
Common Stock, and/or the payment of money under this Plan or under awards are subject to compliance with all applicable federal,
state, local and foreign laws, rules and regulations (including but not limited to state and federal securities law and federal
margin requirements) and to such approvals by any listing, regulatory or governmental authority as may, in the opinion of counsel
for the Corporation, be necessary or advisable in connection therewith. The person acquiring any securities under this Plan will, if
requested by the Corporation or one of its Subsidiaries, provide such assurances and representations to the Corporation or one of
its Subsidiaries as the Administrator may deem necessary or desirable to assure compliance with all applicable legal and accounting
requirements.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.2</b> <b><i>No
Rights to Award</i></b>. No person shall have any claim or rights to be granted an award (or additional awards, as the case may be)
under this Plan, subject to any express contractual rights (set forth in a document other than this Plan) to the
contrary.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.3
</b> <b><i>No Employment/Service Contract</i></b>. Nothing contained in this Plan (or in any other
documents under this Plan or in any award) shall confer upon any Eligible Person or other participant any right to continue in the employ
or other service of the Corporation or one of its Subsidiaries, constitute any contract or agreement of employment or other service or
affect an employee&#8217;s status as an employee at will, nor shall interfere in any way with the right of the Corporation or one of
its Subsidiaries to change a person&#8217;s compensation or other benefits, or to terminate his or her employment or other service, with
or without cause. Nothing in this Section 8.3, however, is intended to adversely affect any express independent right of such person
under a separate employment or service contract other than an award agreement.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.4</b> <b><i>Plan
Not Funded</i></b>. Awards payable under this Plan shall be payable in shares or from the general assets of the Corporation, and no
special or separate reserve, fund or deposit shall be made to assure payment of such awards. No participant, beneficiary or other
person shall have any right, title or interest in any fund or in any specific asset (including shares of Common Stock, except as
expressly otherwise provided) of the Corporation or one of its Subsidiaries by reason of any award hereunder. Neither the provisions
of this Plan (or of any related documents), nor the creation or adoption of this Plan, nor any action taken pursuant to the
provisions of this Plan shall create, or be construed to create, a trust of any kind or a fiduciary relationship between the
Corporation or one of its Subsidiaries and any participant, beneficiary or other person. To the extent that a participant,
beneficiary or other person acquires a right to receive payment pursuant to any award hereunder, such right shall be no greater than
the right of any unsecured general creditor of the Corporation.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.5</b> <b><i>Tax
Withholding</i></b>. Upon any exercise, vesting, or payment of any award, or upon the disposition of shares of Common Stock acquired
pursuant to the exercise of an ISO prior to satisfaction of the holding period requirements of Section 422 of the Code, or upon any
other tax withholding event with respect to any award, arrangements satisfactory to the Corporation shall be made to provide for any
taxes the Corporation or any of its Subsidiaries may be required to withhold with respect to such award event or payment. Such
arrangements may include (but are not limited to) any one of (or a combination of) the following:</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
The Corporation or one of its Subsidiaries shall have the right to require the participant (or the participant&#8217;s personal
representative or beneficiary, as the case may be) to pay or provide for payment of the amount of any taxes which the Corporation or
one of its Subsidiaries may be required to withhold with respect to such award event or payment.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
The Corporation or one of its Subsidiaries shall have the right to deduct from any amount otherwise payable in cash (whether related
to the award or otherwise) to the participant (or the participant&#8217;s personal representative or beneficiary, as the case may
be) the amount of any taxes which the Corporation or one of its Subsidiaries may be required to withhold with respect to such award
event or payment.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
In any case where a tax is required to be withheld in connection with the delivery of shares of Common Stock under this Plan, the
Administrator may in its sole discretion (subject to Section 8.1) require or grant (either at the time of the award or thereafter)
to the participant the right to elect, pursuant to such rules and subject to such conditions as the Administrator may establish,
that the Corporation reduce the number of shares to be delivered by (or otherwise reacquire) the appropriate number of shares,
valued in a consistent manner at their fair market value or at the sales price in accordance with authorized procedures for cashless
exercises, necessary to satisfy the applicable withholding obligation on exercise, vesting or payment.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6</b> <b><i>Effective
Date, Termination and Suspension, Amendments</i></b>.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6.1</b> <b><i>Effective
Date</i></b>. This Plan is effective as of April 14, 2021, the date of its approval by the Board (the &#8220;<b>Effective
Date</b>&#8221;). This Plan shall be submitted for and subject to stockholder approval no later than twelve months after the
Effective Date. Unless earlier terminated by the Board and subject to any extension that may be approved by stockholders, this Plan
shall terminate at the close of business on the day before the tenth anniversary of the Effective Date. After the termination of
this Plan either upon such stated termination date or its earlier termination by the Board, no additional awards may be granted
under this Plan, but previously granted awards (and the authority of the Administrator with respect thereto, including the authority
to amend such awards) shall remain outstanding in accordance with their applicable terms and conditions and the terms and conditions
of this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6.2</b> <b><i>Board
Authorization</i></b>. The Board may, at any time, terminate or, from time to time, amend, modify or suspend this Plan, in whole or
in part. No awards may be granted during any period that the Board suspends this Plan.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6.3</b> <b><i>Stockholder
Approval</i></b>. Only to the extent then required by applicable law or deemed necessary or advisable by the Board, any amendment to
this Plan shall be subject to stockholder approval.</span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6.4</b> <b><i>Amendments
to Awards</i></b>. Without limiting any other express authority of the Administrator under (but subject to) the express limits of
this Plan, the Administrator by agreement or resolution may waive conditions of or limitations on awards to participants that the
Administrator in the prior exercise of its discretion has imposed, without the consent of a participant, and (subject to the
requirements of Sections 3.2 and 8.6.5) may make other changes to the terms and conditions of awards. Any amendment or other action
that would constitute a repricing of an award is subject to the no-repricing provision of Section 3.3.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.6.5
</b> <b><i>Limitations on Amendments to Plan and Awards</i></b>. No amendment, suspension or termination
of this Plan or amendment of any outstanding award agreement shall, without written consent of the participant, affect in any manner
materially adverse to the participant any rights or benefits of the participant or obligations of the Corporation under any award granted
under this Plan prior to the effective date of such change. Changes, settlements and other actions contemplated by Section 7 shall not
be deemed to constitute changes or amendments for purposes of this Section 8.6 and shall not require stockholder approval or the consent
of the award holder.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.7</b> <b><i>Privileges
of Stock Ownership</i></b>. Except as otherwise expressly authorized by the Administrator or this Plan, a participant shall not be
entitled to any privilege of stock ownership as to any shares of Common Stock not actually delivered to and held of record by the
participant. Except as expressly required by Section 7.1 or otherwise expressly provided by the Administrator, no adjustment will be
made for dividends or other rights as a stockholder for which a record date is prior to such date of delivery.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.8
</b> <b><i>Governing Law; Severability</i></b>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.8.1</b> <b><i>Choice
of Law</i></b>. This Plan, the awards, all documents evidencing awards and all other related documents shall be governed by, and
construed in accordance with the laws of the State of Florida, notwithstanding any Florida or other conflict of law provision to the
contrary.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.8.2
</b><b><i>Severability</i></b>. If a court of competent jurisdiction holds any provision invalid
and unenforceable, the remaining provisions of this Plan shall continue in effect.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.8.3
<i>Plan Construction</i></b>. It is intended that this Plan, as well as awards granted under
this Plan, comply with, and not result in any tax, penalty or interest under, Section 409A of the Code. This Plan, as well as awards
granted under this Plan, shall be construed and interpreted accordingly.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.9</b> <b><i>Captions</i></b>.
Captions and headings are given to the sections and subsections of this Plan solely as a convenience to facilitate reference. Such
headings shall not be deemed in any way material or relevant to the construction or interpretation of this Plan or any provision
thereof.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in; color: blue"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.10</b> <b><i>Stock-Based
Awards in Substitution for Stock Options or Awards Granted by Other Corporation</i></b><span style="color: blue">. </span>Awards may
be granted to Eligible Persons in substitution for or in connection with an assumption of employee stock options, SARs, restricted
stock or other stock-based awards granted by other entities to persons who are or who will become Eligible Persons in respect of the
Corporation or one of its Subsidiaries, in connection with a distribution, merger or other reorganization by or with the granting
entity or an affiliated entity, or the acquisition by the Corporation or one of its Subsidiaries, directly or indirectly, of all or
a substantial part of the stock or assets of the employing entity. The awards so granted need not comply with other specific terms
of this Plan, provided the awards reflect adjustments giving effect to the assumption or substitution consistent with any conversion
applicable to the Common Stock (or the securities otherwise subject to the award) in the transaction and any change in the issuer of
the security. Any shares that are delivered and any awards that are granted by, or become obligations of, the Corporation, as a
result of the assumption by the Corporation of, or in substitution for, outstanding awards previously granted or assumed by an
acquired company (or previously granted or assumed by a predecessor employer (or direct or indirect parent thereof) in the case of
persons that become employed by the Corporation or one of its Subsidiaries in connection with a business or asset acquisition or
similar transaction) shall not be counted against the Share Limit or other limits on the number of shares available for issuance
under this Plan.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


<!-- Field: Page; Sequence: 104 -->
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.11 <i>Non-Exclusivity
of Plan</i></b>. Nothing in this Plan shall limit or be deemed to limit the authority of the Board or the Administrator to grant
awards or authorize any other compensation, with or without reference to the Common Stock, under any other plan or
authority.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.12
<i>No Corporate Action Restriction</i></b>. The existence of this Plan, the award agreements
and the awards granted hereunder shall not limit, affect, or restrict in any way the right or power of the Corporation or any Subsidiary
(or any of their respective shareholders, boards of directors or committees thereof (or any subcommittees), as the case may be) to make
or authorize: (a) any adjustment, recapitalization, reorganization or other change in the capital structure or business of the Corporation
or any Subsidiary, (b) any merger, amalgamation, consolidation or change in the ownership of the Corporation or any Subsidiary, (c) any
issue of bonds, debentures, capital, preferred or prior preference stock ahead of or affecting the capital stock (or the rights thereof)
of the Corporation or any Subsidiary, (d) any dissolution or liquidation of the Corporation or any Subsidiary, (e) any sale or transfer
of all or any part of the assets or business of the Corporation or any Subsidiary, (f) any other award, grant, or payment of incentives
or other compensation under any other plan or authority (or any other action with respect to any benefit, incentive or compensation),
or (g) any other corporate act or proceeding by the Corporation or any Subsidiary. No participant, beneficiary or any other person shall
have any claim under any award or award agreement against any member of the Board or the Administrator, or the Corporation or any employees,
officers or agents of the Corporation or any Subsidiary, as a result of any such action. Awards need not be structured so as to be deductible
for tax purposes.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.13</b> <b><i>Other
Company Benefit and Compensation Programs</i></b>. Payments and other benefits received by a participant under an award made
pursuant to this Plan shall not be deemed a part of a participant&#8217;s compensation for purposes of the determination of benefits
under any other employee welfare or benefit plans or arrangements, if any, provided by the Corporation or any Subsidiary, except
where the Administrator expressly otherwise provides or authorizes in writing. Awards under this Plan may be made in addition to, in
combination with, as alternatives to or in payment of grants, awards or commitments under any other plans, arrangements or authority
of the Corporation or its Subsidiaries.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.14
</b> <b><i>Clawback Policy and Forfeiture Provisions</i></b>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.14.1</b>
All awards granted under this Plan (including any proceeds, gains or other economic benefit actually or constructively received by
the award holder upon any receipt, vesting, payment or exercise of any award or upon the receipt or resale of any shares of Common
Stock underlying the award) are subject to the terms and provisions of the Corporation&#8217;s recoupment, clawback or similar
policy as it may be in effect from time to time, as well as any similar provisions of applicable law, such as the Dodd-Frank Wall
Street Reform and Consumer Protection Act and any rules or regulations promulgated thereunder, any of which could in certain
circumstances require repayment or forfeiture of awards or any shares of Common Stock or other cash or property received with
respect to the awards (including any value received from a disposition of the shares acquired upon payment of the
awards).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>


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</TEXT>
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<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>16
<FILENAME>ocn-20231231_def.xml
<DESCRIPTION>XBRL DEFINITION FILE
<TEXT>
<XBRL>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>17
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<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember_lbl" xml:lang="en-US">Year over Year Change in Fair Value of Prior Year Outstanding and Unvested Equity Awards [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember" xlink:label="OCN_FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember_lbl" xml:lang="en-US">Fair Value as of Vesting Date of Equity Awards Granted and Vested in the Year [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember" xlink:label="OCN_YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember" />
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      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember" xlink:label="OCN_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember_lbl" xml:lang="en-US">Fair Value at the End of the Prior Year of Equity Awards that Failed to Meet Vesting Conditions in the Year [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_TotalEquityAwardAdjustmentsMember" xlink:label="OCN_TotalEquityAwardAdjustmentsMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OCN_TotalEquityAwardAdjustmentsMember" xlink:to="OCN_TotalEquityAwardAdjustmentsMember_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" xlink:label="OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember" xlink:to="OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember_lbl" xml:lang="en-US">2021-2023 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_TwoThousandTwentyToTwoThousandTwentyOneMember" xlink:label="OCN_TwoThousandTwentyToTwoThousandTwentyOneMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OCN_TwoThousandTwentyToTwoThousandTwentyOneMember" xlink:to="OCN_TwoThousandTwentyToTwoThousandTwentyOneMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_TwoThousandTwentyToTwoThousandTwentyOneMember_lbl" xml:lang="en-US">2020-2021 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="ocn-20231231.xsd#OCN_TwoThousandNineteenToTwoThousandTwentyMember" xlink:label="OCN_TwoThousandNineteenToTwoThousandTwentyMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OCN_TwoThousandNineteenToTwoThousandTwentyMember" xlink:to="OCN_TwoThousandNineteenToTwoThousandTwentyMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="OCN_TwoThousandNineteenToTwoThousandTwentyMember_lbl" xml:lang="en-US">2019-2020 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTable" xlink:label="ecd_PvpTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PvpTable" xlink:to="ecd_PvpTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PvpTable_lbl" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTableTextBlock" xlink:label="ecd_PvpTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PvpTableTextBlock" xlink:to="ecd_PvpTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PvpTableTextBlock_lbl" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureName" xlink:label="ecd_CoSelectedMeasureName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_CoSelectedMeasureName" xlink:to="ecd_CoSelectedMeasureName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CoSelectedMeasureName_lbl" xml:lang="en-US">Company Selected Measure Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NamedExecutiveOfficersFnTextBlock" xlink:label="ecd_NamedExecutiveOfficersFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_NamedExecutiveOfficersFnTextBlock" xlink:to="ecd_NamedExecutiveOfficersFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_NamedExecutiveOfficersFnTextBlock_lbl" xml:lang="en-US">Named Executive Officers, Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupIssuersFnTextBlock" xlink:label="ecd_PeerGroupIssuersFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PeerGroupIssuersFnTextBlock" xlink:to="ecd_PeerGroupIssuersFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PeerGroupIssuersFnTextBlock_lbl" xml:lang="en-US">Peer Group Issuers, Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ChangedPeerGroupFnTextBlock" xlink:label="ecd_ChangedPeerGroupFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ChangedPeerGroupFnTextBlock" xlink:to="ecd_ChangedPeerGroupFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ChangedPeerGroupFnTextBlock_lbl" xml:lang="en-US">Changed Peer Group, Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoTotalCompAmt" xlink:label="ecd_PeoTotalCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PeoTotalCompAmt" xlink:to="ecd_PeoTotalCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PeoTotalCompAmt_lbl" xml:lang="en-US">PEO Total Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoActuallyPaidCompAmt" xlink:label="ecd_PeoActuallyPaidCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PeoActuallyPaidCompAmt" xlink:to="ecd_PeoActuallyPaidCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PeoActuallyPaidCompAmt_lbl" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToPeoCompFnTextBlock" xlink:label="ecd_AdjToPeoCompFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AdjToPeoCompFnTextBlock" xlink:to="ecd_AdjToPeoCompFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AdjToPeoCompFnTextBlock_lbl" xml:lang="en-US">Adjustment To PEO Compensation, Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgTotalCompAmt" xlink:label="ecd_NonPeoNeoAvgTotalCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_NonPeoNeoAvgTotalCompAmt" xlink:to="ecd_NonPeoNeoAvgTotalCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_NonPeoNeoAvgTotalCompAmt_lbl" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:label="ecd_NonPeoNeoAvgCompActuallyPaidAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:to="ecd_NonPeoNeoAvgCompActuallyPaidAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_NonPeoNeoAvgCompActuallyPaidAmt_lbl" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:label="ecd_AdjToNonPeoNeoCompFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:to="ecd_AdjToNonPeoNeoCompFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AdjToNonPeoNeoCompFnTextBlock_lbl" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:label="ecd_EquityValuationAssumptionDifferenceFnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:to="ecd_EquityValuationAssumptionDifferenceFnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_EquityValuationAssumptionDifferenceFnTextBlock_lbl" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:label="ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:to="ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_lbl" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:label="ecd_CompActuallyPaidVsNetIncomeTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="ecd_CompActuallyPaidVsNetIncomeTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CompActuallyPaidVsNetIncomeTextBlock_lbl" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:label="ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_lbl" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:label="ecd_TotalShareholderRtnVsPeerGroupTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_TotalShareholderRtnVsPeerGroupTextBlock_lbl" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CompActuallyPaidVsOtherMeasureTextBlock_lbl" xml:lang="en-US">Compensation Actually Paid vs. Other Measure [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TabularListTableTextBlock" xlink:label="ecd_TabularListTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_TabularListTableTextBlock" xlink:to="ecd_TabularListTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_TabularListTableTextBlock_lbl" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnAmt" xlink:label="ecd_TotalShareholderRtnAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_TotalShareholderRtnAmt" xlink:to="ecd_TotalShareholderRtnAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_TotalShareholderRtnAmt_lbl" xml:lang="en-US">Total Shareholder Return Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupTotalShareholderRtnAmt" xlink:label="ecd_PeerGroupTotalShareholderRtnAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PeerGroupTotalShareholderRtnAmt" xlink:to="ecd_PeerGroupTotalShareholderRtnAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PeerGroupTotalShareholderRtnAmt_lbl" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net Income (Loss) Attributable to Parent</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureAmt" xlink:label="ecd_CoSelectedMeasureAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_CoSelectedMeasureAmt" xlink:to="ecd_CoSelectedMeasureAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_CoSelectedMeasureAmt_lbl" xml:lang="en-US">Company Selected Measure Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OtherPerfMeasureAmt" xlink:label="ecd_OtherPerfMeasureAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_OtherPerfMeasureAmt" xlink:to="ecd_OtherPerfMeasureAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_OtherPerfMeasureAmt_lbl" xml:lang="en-US">Other Performance Measure Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToCompAmt" xlink:label="ecd_AdjToCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AdjToCompAmt" xlink:to="ecd_AdjToCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AdjToCompAmt_lbl" xml:lang="en-US">Adjustment to Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoName" xlink:label="ecd_PeoName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_PeoName" xlink:to="ecd_PeoName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_PeoName_lbl" xml:lang="en-US">PEO Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MeasureName" xlink:label="ecd_MeasureName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_MeasureName" xlink:to="ecd_MeasureName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_MeasureName_lbl" xml:lang="en-US">Measure Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonGaapMeasureDescriptionTextBlock" xlink:label="ecd_NonGaapMeasureDescriptionTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_NonGaapMeasureDescriptionTextBlock" xlink:to="ecd_NonGaapMeasureDescriptionTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_NonGaapMeasureDescriptionTextBlock_lbl" xml:lang="en-US">Non-GAAP Measure Description [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Additional402vDisclosureTextBlock" xlink:label="ecd_Additional402vDisclosureTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_Additional402vDisclosureTextBlock" xlink:to="ecd_Additional402vDisclosureTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_Additional402vDisclosureTextBlock_lbl" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompRecoveryTable" xlink:label="ecd_ErrCompRecoveryTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ErrCompRecoveryTable" xlink:to="ecd_ErrCompRecoveryTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ErrCompRecoveryTable_lbl" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDateAxis" xlink:label="ecd_RestatementDateAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_RestatementDateAxis" xlink:to="ecd_RestatementDateAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_RestatementDateAxis_lbl" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis" xlink:label="ecd_IndividualAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_IndividualAxis" xlink:to="ecd_IndividualAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_IndividualAxis_lbl" xml:lang="en-US">Individual [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDeterminationDate" xlink:label="ecd_RestatementDeterminationDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_RestatementDeterminationDate" xlink:to="ecd_RestatementDeterminationDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_RestatementDeterminationDate_lbl" xml:lang="en-US">Restatement Determination Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompAmt" xlink:label="ecd_AggtErrCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AggtErrCompAmt" xlink:to="ecd_AggtErrCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AggtErrCompAmt_lbl" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompAnalysisTextBlock" xlink:label="ecd_ErrCompAnalysisTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ErrCompAnalysisTextBlock" xlink:to="ecd_ErrCompAnalysisTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ErrCompAnalysisTextBlock_lbl" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:label="ecd_StkPrcOrTsrEstimationMethodTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="ecd_StkPrcOrTsrEstimationMethodTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_StkPrcOrTsrEstimationMethodTextBlock_lbl" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingAggtErrCompAmt" xlink:label="ecd_OutstandingAggtErrCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_OutstandingAggtErrCompAmt" xlink:to="ecd_OutstandingAggtErrCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_OutstandingAggtErrCompAmt_lbl" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:label="ecd_AggtErrCompNotYetDeterminedTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="ecd_AggtErrCompNotYetDeterminedTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AggtErrCompNotYetDeterminedTextBlock_lbl" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryIndName" xlink:label="ecd_ForgoneRecoveryIndName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ForgoneRecoveryIndName" xlink:to="ecd_ForgoneRecoveryIndName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ForgoneRecoveryIndName_lbl" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:label="ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:to="ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_lbl" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:label="ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:to="ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_lbl" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:label="ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:to="ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_lbl" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:label="ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_lbl" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryIndName" xlink:label="ecd_OutstandingRecoveryIndName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_OutstandingRecoveryIndName" xlink:to="ecd_OutstandingRecoveryIndName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_OutstandingRecoveryIndName_lbl" xml:lang="en-US">Outstanding Recovery, Individual Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryCompAmt" xlink:label="ecd_OutstandingRecoveryCompAmt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_OutstandingRecoveryCompAmt" xlink:to="ecd_OutstandingRecoveryCompAmt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_OutstandingRecoveryCompAmt_lbl" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:label="ecd_RestatementDoesNotRequireRecoveryTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="ecd_RestatementDoesNotRequireRecoveryTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_RestatementDoesNotRequireRecoveryTextBlock_lbl" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTable" xlink:label="ecd_AwardsCloseToMnpiDiscTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardsCloseToMnpiDiscTable" xlink:to="ecd_AwardsCloseToMnpiDiscTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardsCloseToMnpiDiscTable_lbl" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis" xlink:label="us-gaap_AwardTypeAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AwardTypeAxis" xlink:to="us-gaap_AwardTypeAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AwardTypeAxis_lbl" xml:lang="en-US">Award Type [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiDiscTextBlock" xlink:label="ecd_AwardTmgMnpiDiscTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardTmgMnpiDiscTextBlock" xlink:to="ecd_AwardTmgMnpiDiscTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardTmgMnpiDiscTextBlock_lbl" xml:lang="en-US">Award Timing MNPI Disclosure [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMethodTextBlock" xlink:label="ecd_AwardTmgMethodTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardTmgMethodTextBlock" xlink:to="ecd_AwardTmgMethodTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardTmgMethodTextBlock_lbl" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgPredtrmndFlag" xlink:label="ecd_AwardTmgPredtrmndFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardTmgPredtrmndFlag" xlink:to="ecd_AwardTmgPredtrmndFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardTmgPredtrmndFlag_lbl" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiCnsdrdFlag" xlink:label="ecd_AwardTmgMnpiCnsdrdFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardTmgMnpiCnsdrdFlag" xlink:to="ecd_AwardTmgMnpiCnsdrdFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardTmgMnpiCnsdrdFlag_lbl" xml:lang="en-US">Award Timing MNPI Considered [Flag]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:label="ecd_AwardTmgHowMnpiCnsdrdTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="ecd_AwardTmgHowMnpiCnsdrdTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_AwardTmgHowMnpiCnsdrdTextBlock_lbl" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MnpiDiscTimedForCompValFlag" xlink:label="ecd_MnpiDiscTimedForCompValFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_MnpiDiscTimedForCompValFlag" xlink:to="ecd_MnpiDiscTimedForCompValFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ecd_MnpiDiscTimedForCompValFlag_lbl" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value [Flag]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:label="ecd_AwardsCloseToMnpiDiscTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:to="ecd_AwardsCloseToMnpiDiscTableTextBlock_lbl" xlink:type="arc" />
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<span style="display: none;">v3.24.1.u1</span><table class="report" border="0" cellspacing="2" id="idm140263069872208">
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<div>Dec. 31, 2023 </div>
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<div>Dec. 31, 2022 </div>
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<div>Dec. 31, 2021 </div>
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<div>Dec. 31, 2020 </div>
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    <td style="width: 26%; text-align: center">2023</td><td style="width: 2%">&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">6,029,718</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">149</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">97</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">25.7</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr id="xdx_41E_20210101__20211231_zSRGdNevkf61" style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: center">2021</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">6,627,653</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">10,670,774</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,644,825</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,837,428</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">195</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">115</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td style="text-align: right">16.8</td><td style="text-align: left">%</td></tr>
  <tr id="xdx_414_20200101__20201231_zm0XFVlXetf8" style="vertical-align: bottom; background-color: White">
    <td style="text-align: center">2020</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">4,587,915</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">9,451,692</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">1,511,467</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">2,283,997</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">141</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">99</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">(40.2</td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td style="text-align: right">22.8</td><td style="text-align: left">%</td></tr>
  </table><span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CoSelectedMeasureName', window );">Company Selected Measure Name</a></td>
<td class="text">After-Tax
    Return On Equity (ROE)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NamedExecutiveOfficersFnTextBlock', window );">Named Executive Officers, Footnote [Text Block]</a></td>
<td class="text"><p id="xdx_89A_eecd--NamedExecutiveOfficersFnTextBlock_dU_zeYPEoJXjv08" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            dollar amounts reported are the amounts of total compensation reported for each corresponding
                                            year in the &#8220;Total&#8221; column of the Summary Compensation Table (below for 2023)
                                            for our CEO and non-CEO NEOs as a group. Our CEO was <span id="xdx_90D_eecd--PeoName_c20230101__20231231_zjcwgdiO3kQ3">Glen Messina</span>. Our NEOs for each applicable
                                            year were as follows: (i) for 2023, Scott W. Anderson, George T. Henley, Sean B. O&#8217;Neil,
                                            Dennis Zeleny,(ii) for 2022, Scott W. Anderson, George T. Henley, Sean B. O&#8217;Neil, Dennis
                                            Zeleny, June C. Campbell and Albert J. Celini; (iii) for 2021, Scott W. Anderson, June C.
                                            Campbell, George T. Henley, Dennis Zeleny and Timothy J. Yanoti; and (iv) for 2020, Scott
                                            W. Anderson, John V. Britti, June C. Campbell and Dennis Zeleny.</span></td></tr></table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeerGroupIssuersFnTextBlock', window );">Peer Group Issuers, Footnote [Text Block]</a></td>
<td class="text"><p id="xdx_89F_eecd--PeerGroupIssuersFnTextBlock_dU_z9BjEFPxv7r9" style="margin: 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative
    TSR performance of our peer group is weighted by their respective market capitalization as of December 31, 2019. Our peer group is
    the same peer group described below in &#8220;Role of Compensation Committee&#8221;. Current peer group companies Guild Holdings
    Company, loanDepot and UWM Holdings are not included in the weighted average cumulative TSR calculation because they were publicly
    listed after the beginning of the four-year measurement period. Similarly, cumulative TSR performance of companies used in prior
    peer groups who have since been delisted are not included in the weighted average cumulative TSR calculation, including Black Knight,
    CenterState Bank, CoreLogic, Flagstar Bancorp, Home Point Capital and People&#8217;s United Financial. Peer Group Total Shareholder
    Return values for our peer group used in 2021-2023 would be $<span id="xdx_904_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zqtCGw0kdEve">134</span>, $<span id="xdx_900_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_znzZZiLEbs5c">105</span>, $<span id="xdx_901_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZamEIC2OKia">125</span>, and $<span id="xdx_90B_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZhhraoSOA49">102</span> for 2023, 2022, 2021 and 2020, respectively;
    for our peer group used in 2020-2021 would be $<span id="xdx_901_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zuVSrKKcEbp">109</span>, $<span id="xdx_907_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zMqFTMvhUvsa">108</span>, $<span id="xdx_905_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zTt5IinZG1lg">125</span> and $<span id="xdx_903_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_z3yBBCOMdYM1">112</span> for 2023, 2022, 2021 and 2020, respectively, and for our
    peer group used in 2019-2020 would be $<span id="xdx_90D_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zxj5cnniZ1U8">97</span>, $<span id="xdx_903_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_z3Nil4mMhowg">106</span>, $<span id="xdx_90E_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zIsxaP5hESLc">141</span> and $<span id="xdx_907_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zekIuYdGZs15">110</span> for 2023, 2022, 2021 and 2020, respectively. We revise our peer group
    from time to time to accommodate mergers and acquisitions activity within the previous peer group and the evolution of our business
    model, and to better reflect peers subject to similar regulatory oversight for performance and business practice benchmarking.</span></td></tr>
  </table>
<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoTotalCompAmt', window );">PEO Total Compensation Amount</a></td>
<td class="nump">$ 8,153,781<span></span>
</td>
<td class="nump">$ 6,029,718<span></span>
</td>
<td class="nump">$ 6,627,653<span></span>
</td>
<td class="nump">$ 4,587,915<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoActuallyPaidCompAmt', window );">PEO Actually Paid Compensation Amount</a></td>
<td class="nump">4,818,659<span></span>
</td>
<td class="nump">2,722,635<span></span>
</td>
<td class="nump">10,670,774<span></span>
</td>
<td class="nump">9,451,692<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonPeoNeoAvgTotalCompAmt', window );">Non-PEO NEO Average Total Compensation Amount</a></td>
<td class="nump">2,345,570<span></span>
</td>
<td class="nump">1,739,912<span></span>
</td>
<td class="nump">1,644,825<span></span>
</td>
<td class="nump">1,511,467<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonPeoNeoAvgCompActuallyPaidAmt', window );">Non-PEO NEO Average Compensation Actually Paid Amount</a></td>
<td class="nump">$ 1,622,072<span></span>
</td>
<td class="nump">1,223,474<span></span>
</td>
<td class="nump">1,837,428<span></span>
</td>
<td class="nump">2,283,997<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToNonPeoNeoCompFnTextBlock', window );">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</a></td>
<td class="text"><p id="xdx_899_eecd--AdjToNonPeoNeoCompFnTextBlock_dU_z8xZW0ZLd4lf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
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  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td id="xdx_980_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zrI8NlnNJeh4" style="text-align: right">(692,544</td><td style="text-align: left">)</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_985_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zhiE4kCPq5ck" style="text-align: right">176,106</td><td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: left">&#160;</td><td id="xdx_98D_eecd--NonPeoNeoAvgCompActuallyPaidAmt_c20220101__20221231_zuvz2p6EskO" style="text-align: right">1,223,474</td><td style="text-align: left">&#160;</td></tr>
  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: center">&#160;</td><td style="text-align: center">2021</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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    <td style="text-align: left">&#160;</td><td id="xdx_986_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zjzsNUFmRH6k" style="text-align: right">598,919</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  <tr style="vertical-align: bottom; background-color: White">
    <td style="text-align: left">&#160;</td><td>&#160;</td>
    <td style="text-align: center">&#160;</td><td style="text-align: center">2020</td><td style="text-align: left">&#160;</td><td>&#160;</td>
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  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 63pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<td style="font: 10pt Times New Roman, Times, Serif; width: 0.5in"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</span></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                            equity award adjustments for each applicable year include the addition (or subtraction, as
                                            applicable) of the following: (i) the year-end fair value of any equity awards granted in
                                            the applicable year that are outstanding and unvested as of the end of the year; (ii) the
                                            amount of change as of the end of the applicable year (from the end of the prior fiscal year)
                                            in fair value of any awards granted in prior years that are outstanding and unvested as of
                                            the end of the applicable year; (iii) for awards that are granted and vest in the same applicable
                                            year, the fair value as of the vesting date; (iv) for awards granted in prior years that
                                            vest in the applicable year, the amount equal to the change as of the vesting date (from
                                            the end of the prior fiscal year) in fair value; and (v) for awards granted in prior years
                                            that are determined to fail to meet the applicable vesting conditions during the applicable
                                            year, the amount equal to the fair value at the end of the prior fiscal year. The valuation
                                            assumptions used to calculate fair values did not materially differ from those disclosed
                                            at the time of grant . The amounts deducted or added in calculating the equity award adjustments
                                            are as follows (adjustments for pension or dividend payments are not covered, as the Company
                                            does not have supplemental executive requirement plans and does not pay dividends on equity
                                            awards, and due to rounding, the calculated final value of the numbers shown in the following
                                            table may not be the precise values reported above):</span></td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 45pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.75in">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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  <tr style="vertical-align: bottom; background-color: White">
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    <td style="text-align: left">&#160;</td><td id="xdx_980_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zZpsommfs3o4" style="text-align: right">1,093,616</td><td style="text-align: left">&#160;</td></tr>
  </table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock', window );">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</a></td>
<td class="text"><p id="xdx_890_eecd--CompActuallyPaidVsTotalShareholderRtnTextBlock_dU_zkYJvoL1jAT6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.5in; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Cumulative
    Company TSR and Compensation Actually Paid</i>: In 2020 and 2021, increases to our share price contributed to higher compensation
    actually paid values versus the Summary Compensation Table value. In 2022, the 23% decrease to our year-end closing share price,
    plus the forfeiture of our 2019 performance-restricted stock units due to unattained metrics, resulted in a significant reduction
    compensation actually paid compared to 2021. In 2023, the above-target achievement of our 2020 performance-restricted stock units
    resulted in an increase to compensation actually paid compared to 2022.</span></td></tr>
</table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CompActuallyPaidVsNetIncomeTextBlock', window );">Compensation Actually Paid vs. Net Income [Text Block]</a></td>
<td class="text"><p id="xdx_897_eecd--CompActuallyPaidVsNetIncomeTextBlock_dU_z2YQkIZ5MHXi" style="margin: 0; display: none">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Net
    Income and Compensation Actually Paid</i>: Net Income was a metric included in our AIP scorecard each of the last four years. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts. </span></td></tr>
</table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock', window );">Compensation Actually Paid vs. Company Selected Measure [Text Block]</a></td>
<td class="text"><p id="xdx_89F_eecd--CompActuallyPaidVsCoSelectedMeasureTextBlock_dU_zvR5tEBWDJl7" style="margin: 0; display: none">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>ROE
    and Compensation Actually Paid</i>: Return on Equity was a metric included in our AIP scorecard in 2021, 2022 and 2023. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts.</span></td></tr>
  </table>
<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TotalShareholderRtnVsPeerGroupTextBlock', window );">Total Shareholder Return Vs Peer Group [Text Block]</a></td>
<td class="text"><p id="xdx_895_eecd--TotalShareholderRtnVsPeerGroupTextBlock_dU_z8Th7gSik9E4" style="margin: 0; display: none">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Cumulative
    Company TSR and Cumulative Peer Group TSR</i>: Our cumulative total shareholder return has been at least 19% higher than our peer
    group average in each of the last three years, which has rewarded our executives, as described below in &#8220;Performance Results
    of Long-Term Incentive Awards&#8221;. </span></td></tr>
</table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TotalShareholderRtnAmt', window );">Total Shareholder Return Amount</a></td>
<td class="nump">$ 150<span></span>
</td>
<td class="nump">149<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeerGroupTotalShareholderRtnAmt', window );">Peer Group Total Shareholder Return Amount</a></td>
<td class="nump">125<span></span>
</td>
<td class="nump">97<span></span>
</td>
<td class="nump">115<span></span>
</td>
<td class="nump">99<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income (Loss) Attributable to Parent</a></td>
<td class="num">$ (63,700,000)<span></span>
</td>
<td class="nump">$ 25,700,000<span></span>
</td>
<td class="nump">$ 18,100,000<span></span>
</td>
<td class="num">$ (40,200,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_CoSelectedMeasureAmt', window );">Company Selected Measure Amount</a></td>
<td class="nump">8.8<span></span>
</td>
<td class="num">(11.1)<span></span>
</td>
<td class="nump">16.8<span></span>
</td>
<td class="nump">22.8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PeoName', window );">PEO Name</a></td>
<td class="text">Glen Messina<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_Additional402vDisclosureTextBlock', window );">Additional 402(v) Disclosure [Text Block]</a></td>
<td class="text"><p id="xdx_895_eecd--Additional402vDisclosureTextBlock_dU_zpUXP5V8bho8" style="font: 10pt Times New Roman, Times, Serif; display: none; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative
    TSR is calculated by dividing the sum of the cumulative amount of dividends for the measurement period, assuming dividend reinvestment,
    and the difference between the Company&#8217;s share price at the end and the beginning of the measurement period by the Company&#8217;s
    share price at the beginning of the measurement period.</span></td></tr>
</table>

<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAxis=OCN_TwoThousandTwentyOneToTwoThousandTwentyThreeMember', window );">2021-2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">$ 134<span></span>
</td>
<td class="nump">$ 105<span></span>
</td>
<td class="nump">$ 125<span></span>
</td>
<td class="nump">$ 102<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAxis=OCN_TwoThousandTwentyToTwoThousandTwentyOneMember', window );">2020-2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">109<span></span>
</td>
<td class="nump">108<span></span>
</td>
<td class="nump">125<span></span>
</td>
<td class="nump">112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAxis=OCN_TwoThousandNineteenToTwoThousandTwentyMember', window );">2019-2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">106<span></span>
</td>
<td class="nump">141<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Reported Value of Equity Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(5,563,820)<span></span>
</td>
<td class="num">(4,233,065)<span></span>
</td>
<td class="num">(3,914,160)<span></span>
</td>
<td class="num">(1,316,250)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Equity Award Adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">2,228,698<span></span>
</td>
<td class="nump">925,981<span></span>
</td>
<td class="nump">7,957,281<span></span>
</td>
<td class="nump">6,180,028<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Year End Fair Value of Equity Awards Granted in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">4,955,391<span></span>
</td>
<td class="nump">5,778,644<span></span>
</td>
<td class="nump">5,873,834<span></span>
</td>
<td class="nump">5,483,250<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Year over Year Change in Fair Value of Prior Year Outstanding and Unvested Equity Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(402,504)<span></span>
</td>
<td class="num">(2,581,410)<span></span>
</td>
<td class="nump">2,146,897<span></span>
</td>
<td class="nump">795,627<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Fair Value as of Vesting Date of Equity Awards Granted and Vested in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Year over Year Change in Fair Value of Equity Awards Granted in Prior Years that Vested in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(2,324,188)<span></span>
</td>
<td class="num">(864,643)<span></span>
</td>
<td class="num">(42,840)<span></span>
</td>
<td class="num">(93,059)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Fair Value at the End of the Prior Year of Equity Awards that Failed to Meet Vesting Conditions in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="num">(1,406,610)<span></span>
</td>
<td class="num">(20,610)<span></span>
</td>
<td class="num">(5,790)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_PeoMember', window );">PEO [Member] | Total Equity Award Adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">2,228,698<span></span>
</td>
<td class="nump">925,981<span></span>
</td>
<td class="nump">7,957,281<span></span>
</td>
<td class="nump">6,180,028<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Reported Value of Equity Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(1,034,798)<span></span>
</td>
<td class="num">(692,544)<span></span>
</td>
<td class="num">(406,315)<span></span>
</td>
<td class="num">(321,086)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Equity Award Adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">311,300<span></span>
</td>
<td class="nump">176,106<span></span>
</td>
<td class="nump">598,919<span></span>
</td>
<td class="nump">1,093,616<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Year End Fair Value of Equity Awards Granted in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">731,721<span></span>
</td>
<td class="nump">783,097<span></span>
</td>
<td class="nump">598,919<span></span>
</td>
<td class="nump">1,027,903<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Year over Year Change in Fair Value of Prior Year Outstanding and Unvested Equity Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(257,444)<span></span>
</td>
<td class="num">(120,491)<span></span>
</td>
<td class="nump">281,960<span></span>
</td>
<td class="nump">81,250<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Fair Value as of Vesting Date of Equity Awards Granted and Vested in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">56,560<span></span>
</td>
<td class="nump">6,852<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Year over Year Change in Fair Value of Equity Awards Granted in Prior Years that Vested in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(134,341)<span></span>
</td>
<td class="num">(133,625)<span></span>
</td>
<td class="num">(6,938)<span></span>
</td>
<td class="num">(10,969)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Fair Value at the End of the Prior Year of Equity Awards that Failed to Meet Vesting Conditions in the Year [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="num">(85,196)<span></span>
</td>
<td class="num">(359,728)<span></span>
</td>
<td class="num">(275,022)<span></span>
</td>
<td class="num">(4,568)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_ExecutiveCategoryAxis=ecd_NonPeoNeoMember', window );">Non-PEO NEO [Member] | Total Equity Award Adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_AdjToCompAmt', window );">Adjustment to Compensation Amount</a></td>
<td class="nump">$ 311,300<span></span>
</td>
<td class="nump">$ 176,106<span></span>
</td>
<td class="nump">$ 598,919<span></span>
</td>
<td class="nump">$ 1,093,616<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=1', window );">Measure [Axis]: 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Return
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonGaapMeasureDescriptionTextBlock', window );">Non-GAAP Measure Description [Text Block]</a></td>
<td class="text"><p id="xdx_896_eecd--NonGaapMeasureDescriptionTextBlock_hecd--MeasureAxis__1_dU_zs3XYtWkX1ub" style="margin: 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(6)</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eecd--CoSelectedMeasureName_c20230101__20231231_zcpB3HwAHlL1">After-Tax
    Return On Equity (ROE)</span> is calculated as net income divided by average total equity, excluding notables. For a discussion of how we
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    Report on Form 8-K filed with the Securities and Exchange Commission on February 27, 2024.</span></td></tr>
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<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=2', window );">Measure [Axis]: 2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Absolute
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=3', window );">Measure [Axis]: 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Net
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=4', window );">Measure [Axis]: 4</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Growth<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=5', window );">Measure [Axis]: 5</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Productivity<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureAxis=6', window );">Measure [Axis]: 6</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_MeasureName', window );">Measure Name</a></td>
<td class="text">Diversity,
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_Additional402vDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_Additional402vDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_AdjToCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_AdjToCompAmt</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_AdjToNonPeoNeoCompFnTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_AdjToNonPeoNeoCompFnTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
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<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CoSelectedMeasureAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CoSelectedMeasureAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
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<td>xbrli:decimalItemType</td>
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<tr>
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<td>na</td>
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<tr>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CoSelectedMeasureName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CoSelectedMeasureName</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
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<tr>
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<tr>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 5<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CompActuallyPaidVsNetIncomeTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 5<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CompActuallyPaidVsNetIncomeTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 5<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_MeasureName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_MeasureName</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NamedExecutiveOfficersFnTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonGaapMeasureDescriptionTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph vi<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonGaapMeasureDescriptionTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonPeoNeoAvgCompActuallyPaidAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonPeoNeoAvgCompActuallyPaidAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonPeoNeoAvgTotalCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonPeoNeoAvgTotalCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeerGroupIssuersFnTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeerGroupIssuersFnTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeerGroupTotalShareholderRtnAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeerGroupTotalShareholderRtnAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoActuallyPaidCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoActuallyPaidCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PeoTotalCompAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PeoTotalCompAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TotalShareholderRtnAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 2<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TotalShareholderRtnAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TotalShareholderRtnVsPeerGroupTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 5<br> -Subparagraph iv<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TotalShareholderRtnVsPeerGroupTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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    <ecd:MeasureName contextRef="From2023-01-012023-12-31_5" id="Fact000016">Productivity</ecd:MeasureName>
    <ecd:MeasureName contextRef="From2023-01-012023-12-31_6" id="Fact000017">Diversity,     Equity &amp; Inclusion</ecd:MeasureName>
    <ecd:PvpTableTextBlock contextRef="From2023-01-01to2023-12-31" id="Fact000019">&lt;table cellpadding="0" cellspacing="0" id="xdx_889_eecd--PvpTableTextBlock_zfhQoq2gFBA5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Pay vs Performance Disclosure"&gt;
  &lt;tr style="display: none; vertical-align: bottom"&gt;
    &lt;td style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;Yea&lt;b&gt;r&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48D_eecd--PeoTotalCompAmt_zemqJwlu3t05" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;Summary Compensation
                                               Table Total for CEO&lt;sup&gt;(1)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48C_eecd--PeoActuallyPaidCompAmt_zDHpCp9F54u7" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;Compensation Actually
                                               Paid to CEO&lt;sup&gt;(2)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48A_eecd--NonPeoNeoAvgTotalCompAmt_zUBJHlFbNEf5" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;Compensation Table Total
                                               for non-CEO NEOs&lt;sup&gt;(1)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48D_eecd--NonPeoNeoAvgCompActuallyPaidAmt_zPudrlaTmPk3" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Average Compensation Actually &lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Paid
    to non-CEO NEOs&lt;sup&gt;(2)&lt;/sup&gt; ($)&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48E_eecd--TotalShareholderRtnAmt_zaFDfNWAtdb3" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;Total Shareholder Return&lt;sup&gt;(3)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_487_eecd--PeerGroupTotalShareholderRtnAmt_ztsIjEIGdu99" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;Peer Group Total Shareholder Return&lt;sup&gt;(4)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48A_eus-gaap--NetIncomeLoss_pn5n6_zKNwdhJe7e52" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;&lt;sup&gt;Net
                                               Income(5)&lt;/sup&gt;&lt;/b&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;b&gt;($MM)&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" id="xdx_48A_eecd--CoSelectedMeasureAmt_pid_uRatio_zKNiTlIXJmte" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Return
    On Equity (ROE), excluding notables&lt;sup&gt;(6)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="vertical-align: bottom"&gt;
    &lt;td style="padding-bottom: 1.5pt; text-align: center; font-size: 11pt"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt; &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt; &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;Average Summary &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt; &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="6" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Value of Initial Fixed $100 Investment Based On&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt; &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;After-Tax &lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom"&gt;
    &lt;td style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Year&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Summary
                                            Compensation Table Total for CEO&lt;sup&gt;(1)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Compensation
                                            Actually Paid to CEO&lt;sup&gt;(2)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Compensation
                                            Table Total for non-CEO NEOs&lt;sup&gt;(1)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Average
    Compensation Actually Paid to non-CEO NEOs&lt;sup&gt;(2)&lt;/sup&gt; ($)&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Total
                                            Shareholder Return&lt;sup&gt;(3)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Peer
                                            Group Total Shareholder Return&lt;sup&gt;(4)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Net
                                            Income&lt;sup&gt;(5)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($MM)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Return
    On Equity (ROE), excluding notables&lt;sup&gt;(6)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;&#160;&lt;/b&gt;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr id="xdx_41B_20230101__20231231_zcIgdYNZKywe" style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="width: 26%; text-align: center"&gt;2023&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;8,153,781&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;4,818,659&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;2,345,570&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;1,622,072&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;150&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;125&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;(63.7&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;)&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: right"&gt;8.8&lt;/td&gt;&lt;td style="width: 3%; text-align: left"&gt;%&lt;/td&gt;&lt;/tr&gt;
  &lt;tr id="xdx_412_20220101__20221231_z0pbnu047h86" style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: center"&gt;2022&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;6,029,718&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;2,722,635&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;1,739,912&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;1,223,474&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;149&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;97&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;25.7&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;(11.1&lt;/td&gt;&lt;td style="text-align: left"&gt;)%&lt;/td&gt;&lt;/tr&gt;
  &lt;tr id="xdx_41E_20210101__20211231_zSRGdNevkf61" style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: center"&gt;2021&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;6,627,653&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;10,670,774&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;1,644,825&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;1,837,428&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;195&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;115&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;18.1&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;16.8&lt;/td&gt;&lt;td style="text-align: left"&gt;%&lt;/td&gt;&lt;/tr&gt;
  &lt;tr id="xdx_414_20200101__20201231_zm0XFVlXetf8" style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: center"&gt;2020&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;4,587,915&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;9,451,692&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;1,511,467&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;2,283,997&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;141&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;99&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;(40.2&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: right"&gt;22.8&lt;/td&gt;&lt;td style="text-align: left"&gt;%&lt;/td&gt;&lt;/tr&gt;
  &lt;/table&gt;</ecd:PvpTableTextBlock>
    <ecd:PeoTotalCompAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000020"
      unitRef="USD">8153781</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000021"
      unitRef="USD">4818659</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000022"
      unitRef="USD">2345570</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000023"
      unitRef="USD">1622072</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000024"
      unitRef="USD">150</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="0"
      id="Fact000025"
      unitRef="USD">125</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss
      contextRef="From2023-01-01to2023-12-31"
      decimals="-5"
      id="Fact000026"
      unitRef="USD">-63700000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt
      contextRef="From2023-01-01to2023-12-31"
      decimals="INF"
      id="Fact000027"
      unitRef="Ratio">8.8</ecd:CoSelectedMeasureAmt>
    <ecd:PeoTotalCompAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000028"
      unitRef="USD">6029718</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000029"
      unitRef="USD">2722635</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000030"
      unitRef="USD">1739912</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000031"
      unitRef="USD">1223474</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000032"
      unitRef="USD">149</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt
      contextRef="From2022-01-012022-12-31"
      decimals="0"
      id="Fact000033"
      unitRef="USD">97</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss
      contextRef="From2022-01-012022-12-31"
      decimals="-5"
      id="Fact000034"
      unitRef="USD">25700000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt
      contextRef="From2022-01-012022-12-31"
      decimals="INF"
      id="Fact000035"
      unitRef="Ratio">-11.1</ecd:CoSelectedMeasureAmt>
    <ecd:PeoTotalCompAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000036"
      unitRef="USD">6627653</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000037"
      unitRef="USD">10670774</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000038"
      unitRef="USD">1644825</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000039"
      unitRef="USD">1837428</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000040"
      unitRef="USD">195</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt
      contextRef="From2021-01-012021-12-31"
      decimals="0"
      id="Fact000041"
      unitRef="USD">115</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss
      contextRef="From2021-01-012021-12-31"
      decimals="-5"
      id="Fact000042"
      unitRef="USD">18100000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt
      contextRef="From2021-01-012021-12-31"
      decimals="INF"
      id="Fact000043"
      unitRef="Ratio">16.8</ecd:CoSelectedMeasureAmt>
    <ecd:PeoTotalCompAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000044"
      unitRef="USD">4587915</ecd:PeoTotalCompAmt>
    <ecd:PeoActuallyPaidCompAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000045"
      unitRef="USD">9451692</ecd:PeoActuallyPaidCompAmt>
    <ecd:NonPeoNeoAvgTotalCompAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000046"
      unitRef="USD">1511467</ecd:NonPeoNeoAvgTotalCompAmt>
    <ecd:NonPeoNeoAvgCompActuallyPaidAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000047"
      unitRef="USD">2283997</ecd:NonPeoNeoAvgCompActuallyPaidAmt>
    <ecd:TotalShareholderRtnAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000048"
      unitRef="USD">141</ecd:TotalShareholderRtnAmt>
    <ecd:PeerGroupTotalShareholderRtnAmt
      contextRef="From2020-01-012020-12-31"
      decimals="0"
      id="Fact000049"
      unitRef="USD">99</ecd:PeerGroupTotalShareholderRtnAmt>
    <us-gaap:NetIncomeLoss
      contextRef="From2020-01-012020-12-31"
      decimals="-5"
      id="Fact000050"
      unitRef="USD">-40200000</us-gaap:NetIncomeLoss>
    <ecd:CoSelectedMeasureAmt
      contextRef="From2020-01-012020-12-31"
      decimals="INF"
      id="Fact000051"
      unitRef="Ratio">22.8</ecd:CoSelectedMeasureAmt>
    <ecd:NamedExecutiveOfficersFnTextBlock contextRef="From2023-01-01to2023-12-31" id="Fact000053">&lt;p id="xdx_89A_eecd--NamedExecutiveOfficersFnTextBlock_dU_zeYPEoJXjv08" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"&gt;&lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;The
                                            dollar amounts reported are the amounts of total compensation reported for each corresponding
                                            year in the &#x201c;Total&#x201d; column of the Summary Compensation Table (below for 2023)
                                            for our CEO and non-CEO NEOs as a group. Our CEO was &lt;span id="xdx_90D_eecd--PeoName_c20230101__20231231_zjcwgdiO3kQ3"&gt;Glen Messina&lt;/span&gt;. Our NEOs for each applicable
                                            year were as follows: (i) for 2023, Scott W. Anderson, George T. Henley, Sean B. O&#x2019;Neil,
                                            Dennis Zeleny,(ii) for 2022, Scott W. Anderson, George T. Henley, Sean B. O&#x2019;Neil, Dennis
                                            Zeleny, June C. Campbell and Albert J. Celini; (iii) for 2021, Scott W. Anderson, June C.
                                            Campbell, George T. Henley, Dennis Zeleny and Timothy J. Yanoti; and (iv) for 2020, Scott
                                            W. Anderson, John V. Britti, June C. Campbell and Dennis Zeleny.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

</ecd:NamedExecutiveOfficersFnTextBlock>
    <ecd:PeoName contextRef="From2023-01-01to2023-12-31" id="Fact000054">Glen Messina</ecd:PeoName>
    <ecd:AdjToNonPeoNeoCompFnTextBlock contextRef="From2023-01-01to2023-12-31" id="Fact000056">&lt;p id="xdx_899_eecd--AdjToNonPeoNeoCompFnTextBlock_dU_z8xZW0ZLd4lf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"&gt;&lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;The
                                            dollar amounts reported as &#x201c;compensation actually paid&#x201d; do not reflect the actual
                                            amount of compensation earned by or paid to our CEO and non-CEO NEOs as a group during the
                                            applicable year. In accordance with the requirements of Item 402(v) of Regulation S-K, the
                                            following adjustments were made to total compensation for each year to determine the &#x201c;compensation
                                            actually paid&#x201d;:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"&gt;
  &lt;tr style="vertical-align: bottom"&gt;
    &lt;td style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Executive(s)&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Year&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Reported Summary Compensation Table Total &lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Reported Value of Equity Awards&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Equity Award Adjustments&lt;sup id="xdx_F5C_zv5AKGMp294g"&gt;(a)&lt;/sup&gt;&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Compensation Actually Paid&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left; width: 35%; vertical-align: middle"&gt;CEO&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: center"&gt;2023&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--PeoTotalCompAmt_c20230101__20231231_zqkfTzL3nZje" style="width: 9%; text-align: right"&gt;8,153,781&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_z1vqVW2z3lU5" style="width: 9%; text-align: right"&gt;(5,563,820&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;)&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98D_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zWar6j2jSeM8" style="width: 9%; text-align: right"&gt;2,228,698&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_981_eecd--PeoActuallyPaidCompAmt_c20230101__20231231_zjBlHT41Frtl" style="width: 9%; text-align: right"&gt;4,818,659&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2022&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_981_eecd--PeoTotalCompAmt_c20220101__20221231_zAWBUO0zii6l" style="text-align: right"&gt;6,029,718&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98D_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zE4IiPVxSOMj" style="text-align: right"&gt;(4,233,065&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98C_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_z8zLSXNgX3Ic" style="text-align: right"&gt;925,981&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--PeoActuallyPaidCompAmt_c20220101__20221231_zaGYIAJidcea" style="text-align: right"&gt;2,722,635&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2021&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_986_eecd--PeoTotalCompAmt_c20210101__20211231_zMOCT2Oh5drg" style="text-align: right"&gt;6,627,653&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_982_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zpVhbXdB0cUf" style="text-align: right"&gt;(3,914,160&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98A_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zbMVi6xbjcmi" style="text-align: right"&gt;7,957,281&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98C_eecd--PeoActuallyPaidCompAmt_c20210101__20211231_zPiDYg8BT1Y9" style="text-align: right"&gt;10,670,774&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2020&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_984_eecd--PeoTotalCompAmt_c20200101__20201231_zkoTmJFu8LJd" style="text-align: right"&gt;4,587,915&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zX0aw8EZzh27" style="text-align: right"&gt;(1,316,250&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zvMCBPXGOg51" style="text-align: right"&gt;6,180,028&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_983_eecd--PeoActuallyPaidCompAmt_c20200101__20201231_zzQV2bHnuyPj" style="text-align: right"&gt;9,451,692&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left; vertical-align: middle"&gt;Average of Non-CEO NEOs&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2023&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98A_eecd--NonPeoNeoAvgTotalCompAmt_c20230101__20231231_zF8T82dIoCxj" style="text-align: right"&gt;2,345,570&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_982_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zVQB7ht57Ihl" style="text-align: right"&gt;(1,034,798&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_983_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zUbGVnqnyIHe" style="text-align: right"&gt;311,300&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98E_eecd--NonPeoNeoAvgCompActuallyPaidAmt_c20230101__20231231_ziDj31epZll9" style="text-align: right"&gt;1,622,072&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2022&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98F_eecd--NonPeoNeoAvgTotalCompAmt_c20220101__20221231_z4z87gCBp7V1" style="text-align: right"&gt;1,739,912&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_980_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zrI8NlnNJeh4" style="text-align: right"&gt;(692,544&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_985_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zhiE4kCPq5ck" style="text-align: right"&gt;176,106&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98D_eecd--NonPeoNeoAvgCompActuallyPaidAmt_c20220101__20221231_zuvz2p6EskO" style="text-align: right"&gt;1,223,474&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2021&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_985_eecd--NonPeoNeoAvgTotalCompAmt_c20210101__20211231_zg16Qn4qoCK8" style="text-align: right"&gt;1,644,825&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zygftr6Rpx86" style="text-align: right"&gt;(406,315&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_986_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zjzsNUFmRH6k" style="text-align: right"&gt;598,919&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_984_eecd--NonPeoNeoAvgCompActuallyPaidAmt_c20210101__20211231_zIcYwHCda609" style="text-align: right"&gt;1,837,428&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2020&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_987_eecd--NonPeoNeoAvgTotalCompAmt_c20200101__20201231_zaLvFy92w7Sl" style="text-align: right"&gt;1,511,467&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_986_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--ReportedValueOfEquityAwardsMember_zlkELlPJY7Aa" style="text-align: right"&gt;(321,086&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--EquityAwardAdjustmentsMember_zYMkKo5goO8g" style="text-align: right"&gt;1,093,616&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_984_eecd--NonPeoNeoAvgCompActuallyPaidAmt_c20200101__20201231_zhBrs37pbbpj" style="text-align: right"&gt;2,283,997&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;/table&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 63pt; text-align: justify; text-indent: -0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0; margin-bottom: 0"&gt;&lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.5in"&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(a)&lt;/span&gt;&lt;/td&gt;&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;The
                                            equity award adjustments for each applicable year include the addition (or subtraction, as
                                            applicable) of the following: (i) the year-end fair value of any equity awards granted in
                                            the applicable year that are outstanding and unvested as of the end of the year; (ii) the
                                            amount of change as of the end of the applicable year (from the end of the prior fiscal year)
                                            in fair value of any awards granted in prior years that are outstanding and unvested as of
                                            the end of the applicable year; (iii) for awards that are granted and vest in the same applicable
                                            year, the fair value as of the vesting date; (iv) for awards granted in prior years that
                                            vest in the applicable year, the amount equal to the change as of the vesting date (from
                                            the end of the prior fiscal year) in fair value; and (v) for awards granted in prior years
                                            that are determined to fail to meet the applicable vesting conditions during the applicable
                                            year, the amount equal to the fair value at the end of the prior fiscal year. The valuation
                                            assumptions used to calculate fair values did not materially differ from those disclosed
                                            at the time of grant . The amounts deducted or added in calculating the equity award adjustments
                                            are as follows (adjustments for pension or dividend payments are not covered, as the Company
                                            does not have supplemental executive requirement plans and does not pay dividends on equity
                                            awards, and due to rounding, the calculated final value of the numbers shown in the following
                                            table may not be the precise values reported above):&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 45pt; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.75in"&gt;
  &lt;tr style="vertical-align: bottom"&gt;
    &lt;td style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Executive(s)&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"&gt;Year&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center; font-weight: bold"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Year End Fair Value of Equity Awards Granted in the Year&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Year over Year Change in Fair Value of Prior Year Outstanding and Unvested Equity Awards &lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Fair Value as of Vesting Date of Equity Awards Granted and Vested in the Year &lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Year over Year Change in Fair Value of Equity Awards Granted in Prior Years that Vested in the Year &lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Fair Value at the End of the Prior Year of Equity Awards that Failed to Meet Vesting Conditions in the Year&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;
    &lt;td colspan="2" style="border-bottom: Black 1.5pt solid; text-align: center"&gt;&lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;Total Equity Award Adjustments&lt;/b&gt;&lt;/span&gt;&lt;/p&gt; &lt;p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;b&gt;($)&lt;/b&gt;&lt;/span&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left; width: 37%; vertical-align: middle"&gt;CEO&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="width: 5%; text-align: center"&gt;2023&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98D_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zcMR7UgI8sSb" style="width: 5%; text-align: right"&gt;4,955,391&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_985_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zaovFrawYz1d" style="width: 5%; text-align: right"&gt;(402,504&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;)&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98F_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zKYu1rx0eaig" style="width: 5%; text-align: right"&gt;&lt;span style="-sec-ix-hidden: xdx2ixbrl0091"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98F_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zVo8vV4a8ZYb" style="width: 5%; text-align: right"&gt;(2,324,188&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;)&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_986_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zgJK1ni7F2da" style="width: 5%; text-align: right"&gt;&lt;span style="-sec-ix-hidden: xdx2ixbrl0093"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td style="width: 2%"&gt;&#160;&lt;/td&gt;
    &lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zTzx6d8A5Ef" style="width: 5%; text-align: right"&gt;2,228,698&lt;/td&gt;&lt;td style="width: 1%; text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2022&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98D_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zbHkW97WxeZ6" style="text-align: right"&gt;5,778,644&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98F_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zWFep9oTWXP4" style="text-align: right"&gt;(2,581,410&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zjhU3S1ggLcj" style="text-align: right"&gt;&lt;span style="-sec-ix-hidden: xdx2ixbrl0097"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_980_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_z7OOPRVnVYV7" style="text-align: right"&gt;(864,643&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_z3FcCUpZERt" style="text-align: right"&gt;(1,406,610&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98F_eecd--AdjToCompAmt_c20220101__20221231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zGYLs2hF8Lb1" style="text-align: right"&gt;925,981&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2021&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zY5yvcSQeDB8" style="text-align: right"&gt;5,873,834&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_981_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zScXLTltVENf" style="text-align: right"&gt;2,146,897&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_985_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_z2DdqOntCJeg" style="text-align: right"&gt;&lt;span style="-sec-ix-hidden: xdx2ixbrl0103"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98B_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zUvGJPuChrM5" style="text-align: right"&gt;(42,840&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_984_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zv9HX18nGMGj" style="text-align: right"&gt;(20,610&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_985_eecd--AdjToCompAmt_c20210101__20211231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zNylqZqk1Qt7" style="text-align: right"&gt;7,957,281&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: rgb(204,238,255)"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2020&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_983_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zjdNlKJkIZM5" style="text-align: right"&gt;5,483,250&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zObLS5Jh08w8" style="text-align: right"&gt;795,627&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98E_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zYoWwAMyKZmg" style="text-align: right"&gt;&lt;span style="-sec-ix-hidden: xdx2ixbrl0109"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zwGZA7PFcDNh" style="text-align: right"&gt;(93,059&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_983_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--PeoMember_zCtctHQpcI09" style="text-align: right"&gt;(5,790&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_986_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--PeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zSVkcG0DkLFa" style="text-align: right"&gt;6,180,028&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left; vertical-align: middle"&gt;Average of Non-CEO NEOs&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2023&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98C_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_z1lw9iSNmGW2" style="text-align: right"&gt;731,721&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zgmMbvJJwTRg" style="text-align: right"&gt;(257,444&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_984_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zm8BKowMB52c" style="text-align: right"&gt;56,560&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_z9O1WgvYDOb5" style="text-align: right"&gt;(134,341&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_989_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zZFoO4UZKlOc" style="text-align: right"&gt;(85,196&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_98C_eecd--AdjToCompAmt_c20230101__20231231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_z6tqEVCKqEjj" style="text-align: right"&gt;311,300&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
  &lt;tr style="vertical-align: bottom; background-color: White"&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: center"&gt;&#160;&lt;/td&gt;&lt;td style="text-align: center"&gt;2022&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_982_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--YearEndFairValueOfEquityAwardsGrantedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_zjcfyFlbDWG2" style="text-align: right"&gt;783,097&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_988_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--YearOverYearChangeInFairValueOfPriorYearOutstandingAndUnvestedEquityAwardsMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_z7wPbVqrBh01" style="text-align: right"&gt;(120,491&lt;/td&gt;&lt;td style="text-align: left"&gt;)&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_980_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--FairValueAsOfVestingDateOfEquityAwardsGrantedAndVestedInTheYearMember__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember_z1tHmRkY4Sqa" style="text-align: right"&gt;6,852&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td&gt;&#160;&lt;/td&gt;
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    &lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;td id="xdx_980_eecd--AdjToCompAmt_c20200101__20201231__ecd--ExecutiveCategoryAxis__ecd--NonPeoNeoMember__ecd--AdjToCompAxis__custom--TotalEquityAwardAdjustmentsMember_zZpsommfs3o4" style="text-align: right"&gt;1,093,616&lt;/td&gt;&lt;td style="text-align: left"&gt;&#160;&lt;/td&gt;&lt;/tr&gt;
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      id="Fact000124"
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      decimals="0"
      id="Fact000129"
      unitRef="USD">-275022</ecd:AdjToCompAmt>
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      decimals="0"
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      decimals="0"
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      contextRef="From2020-01-012020-12-31_custom_FairValueAtTheEndOfThePriorYearOfEquityAwardsThatFailedToMeetVestingConditionsInTheYearMember_ecd_NonPeoNeoMember"
      decimals="0"
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      decimals="0"
      id="Fact000136"
      unitRef="USD">1093616</ecd:AdjToCompAmt>
    <ecd:Additional402vDisclosureTextBlock contextRef="From2023-01-01to2023-12-31" id="Fact000138">&lt;p id="xdx_895_eecd--Additional402vDisclosureTextBlock_dU_zpUXP5V8bho8" style="font: 10pt Times New Roman, Times, Serif; display: none; margin: 0pt 0pt 0pt 27pt; text-align: justify; text-indent: -0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"&gt;
  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(3)&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;Cumulative
    TSR is calculated by dividing the sum of the cumulative amount of dividends for the measurement period, assuming dividend reinvestment,
    and the difference between the Company&#x2019;s share price at the end and the beginning of the measurement period by the Company&#x2019;s
    share price at the beginning of the measurement period.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;

</ecd:Additional402vDisclosureTextBlock>
    <ecd:PeerGroupIssuersFnTextBlock contextRef="From2023-01-01to2023-12-31" id="Fact000140">&lt;p id="xdx_89F_eecd--PeerGroupIssuersFnTextBlock_dU_z9BjEFPxv7r9" style="margin: 0"&gt;&#160;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"&gt;
  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(4)&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;Cumulative
    TSR performance of our peer group is weighted by their respective market capitalization as of December 31, 2019. Our peer group is
    the same peer group described below in &#x201c;Role of Compensation Committee&#x201d;. Current peer group companies Guild Holdings
    Company, loanDepot and UWM Holdings are not included in the weighted average cumulative TSR calculation because they were publicly
    listed after the beginning of the four-year measurement period. Similarly, cumulative TSR performance of companies used in prior
    peer groups who have since been delisted are not included in the weighted average cumulative TSR calculation, including Black Knight,
    CenterState Bank, CoreLogic, Flagstar Bancorp, Home Point Capital and People&#x2019;s United Financial. Peer Group Total Shareholder
    Return values for our peer group used in 2021-2023 would be $&lt;span id="xdx_904_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zqtCGw0kdEve"&gt;134&lt;/span&gt;, $&lt;span id="xdx_900_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_znzZZiLEbs5c"&gt;105&lt;/span&gt;, $&lt;span id="xdx_901_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZamEIC2OKia"&gt;125&lt;/span&gt;, and $&lt;span id="xdx_90B_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyOneToTwoThousandTwentyThreeMember_zZhhraoSOA49"&gt;102&lt;/span&gt; for 2023, 2022, 2021 and 2020, respectively;
    for our peer group used in 2020-2021 would be $&lt;span id="xdx_901_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zuVSrKKcEbp"&gt;109&lt;/span&gt;, $&lt;span id="xdx_907_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zMqFTMvhUvsa"&gt;108&lt;/span&gt;, $&lt;span id="xdx_905_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_zTt5IinZG1lg"&gt;125&lt;/span&gt; and $&lt;span id="xdx_903_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandTwentyToTwoThousandTwentyOneMember_z3yBBCOMdYM1"&gt;112&lt;/span&gt; for 2023, 2022, 2021 and 2020, respectively, and for our
    peer group used in 2019-2020 would be $&lt;span id="xdx_90D_eecd--AdjToCompAmt_c20230101__20231231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zxj5cnniZ1U8"&gt;97&lt;/span&gt;, $&lt;span id="xdx_903_eecd--AdjToCompAmt_c20220101__20221231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_z3Nil4mMhowg"&gt;106&lt;/span&gt;, $&lt;span id="xdx_90E_eecd--AdjToCompAmt_c20210101__20211231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zIsxaP5hESLc"&gt;141&lt;/span&gt; and $&lt;span id="xdx_907_eecd--AdjToCompAmt_c20200101__20201231__ecd--AdjToCompAxis__custom--TwoThousandNineteenToTwoThousandTwentyMember_zekIuYdGZs15"&gt;110&lt;/span&gt; for 2023, 2022, 2021 and 2020, respectively. We revise our peer group
    from time to time to accommodate mergers and acquisitions activity within the previous peer group and the evolution of our business
    model, and to better reflect peers subject to similar regulatory oversight for performance and business practice benchmarking.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
  &lt;/table&gt;
</ecd:PeerGroupIssuersFnTextBlock>
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      contextRef="From2023-01-012023-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember"
      decimals="0"
      id="Fact000141"
      unitRef="USD">134</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2022-01-012022-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember"
      decimals="0"
      id="Fact000142"
      unitRef="USD">105</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2021-01-012021-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember"
      decimals="0"
      id="Fact000143"
      unitRef="USD">125</ecd:AdjToCompAmt>
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      contextRef="From2020-01-012020-12-31_custom_TwoThousandTwentyOneToTwoThousandTwentyThreeMember"
      decimals="0"
      id="Fact000144"
      unitRef="USD">102</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2023-01-012023-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember"
      decimals="0"
      id="Fact000145"
      unitRef="USD">109</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2022-01-012022-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember"
      decimals="0"
      id="Fact000146"
      unitRef="USD">108</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2021-01-012021-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember"
      decimals="0"
      id="Fact000147"
      unitRef="USD">125</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2020-01-012020-12-31_custom_TwoThousandTwentyToTwoThousandTwentyOneMember"
      decimals="0"
      id="Fact000148"
      unitRef="USD">112</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2023-01-012023-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember"
      decimals="0"
      id="Fact000149"
      unitRef="USD">97</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2022-01-012022-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember"
      decimals="0"
      id="Fact000150"
      unitRef="USD">106</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2021-01-012021-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember"
      decimals="0"
      id="Fact000151"
      unitRef="USD">141</ecd:AdjToCompAmt>
    <ecd:AdjToCompAmt
      contextRef="From2020-01-012020-12-31_custom_TwoThousandNineteenToTwoThousandTwentyMember"
      decimals="0"
      id="Fact000152"
      unitRef="USD">110</ecd:AdjToCompAmt>
    <ecd:NonGaapMeasureDescriptionTextBlock contextRef="From2023-01-012023-12-31_1" id="Fact000154">&lt;p id="xdx_896_eecd--NonGaapMeasureDescriptionTextBlock_hecd--MeasureAxis__1_dU_zs3XYtWkX1ub" style="margin: 0"&gt;&#160;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"&gt;
  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;(6)&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;span id="xdx_900_eecd--CoSelectedMeasureName_c20230101__20231231_zcpB3HwAHlL1"&gt;After-Tax
    Return On Equity (ROE)&lt;/span&gt; is calculated as net income divided by average total equity, excluding notables. For a discussion of how we
    measure pre-tax income before notable items and a reconciliation to financial measures prepared under GAAP, please see our Current
    Report on Form 8-K filed with the Securities and Exchange Commission on February 27, 2024.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
  &lt;/table&gt;
</ecd:NonGaapMeasureDescriptionTextBlock>
    <ecd:CoSelectedMeasureName contextRef="From2023-01-01to2023-12-31" id="Fact000155">After-Tax     Return On Equity (ROE)</ecd:CoSelectedMeasureName>
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&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"&gt;
  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#x25cf;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;i&gt;Cumulative
    Company TSR and Compensation Actually Paid&lt;/i&gt;: In 2020 and 2021, increases to our share price contributed to higher compensation
    actually paid values versus the Summary Compensation Table value. In 2022, the 23% decrease to our year-end closing share price,
    plus the forfeiture of our 2019 performance-restricted stock units due to unattained metrics, resulted in a significant reduction
    compensation actually paid compared to 2021. In 2023, the above-target achievement of our 2020 performance-restricted stock units
    resulted in an increase to compensation actually paid compared to 2022.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;

</ecd:CompActuallyPaidVsTotalShareholderRtnTextBlock>
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&lt;table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"&gt;
  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#x25cf;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;i&gt;Cumulative
    Company TSR and Cumulative Peer Group TSR&lt;/i&gt;: Our cumulative total shareholder return has been at least 19% higher than our peer
    group average in each of the last three years, which has rewarded our executives, as described below in &#x201c;Performance Results
    of Long-Term Incentive Awards&#x201d;. &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;

</ecd:TotalShareholderRtnVsPeerGroupTextBlock>
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  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#x25cf;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;i&gt;Net
    Income and Compensation Actually Paid&lt;/i&gt;: Net Income was a metric included in our AIP scorecard each of the last four years. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts. &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;

</ecd:CompActuallyPaidVsNetIncomeTextBlock>
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  &lt;tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: top"&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#160;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; width: 0.25in"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&#x25cf;&lt;/span&gt;&lt;/td&gt;
    &lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"&gt;&lt;span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"&gt;&lt;i&gt;ROE
    and Compensation Actually Paid&lt;/i&gt;: Return on Equity was a metric included in our AIP scorecard in 2021, 2022 and 2023. Performance
    was determined based on a percentage of target achieved in each respective year and reflected in final payout amounts.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;
  &lt;/table&gt;
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