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PHH Corporation (NYSE: PHH) was founded in 1946 by Duane Peterson, Harley Howell and Richard Heather. For over 60 years, PHH Corporation has helped our clients improve their business through outsourcing. We deliver world-class outsourcing solutions to our clients through our subsidiaries, PHH Mortgage and PHH Arval.

PHH Mortgage provides outsourced, private-label mortgage solutions to clients nationwide who are leaders in their fields of business, including financial institutions, real estate companies, credit unions, corporations and government agencies. In 2011 alone, we closed nearly $52 billion in mortgage financing. The success of our outsourcing model has enabled PHH Mortgage to become one of the top 10 originators of retail residential mortgages in the United States.¹ PHH Mortgage also provides home financing directly to consumers.

Our leading-edge platform, award-winning servicing capabilities and commitment to excellent customer service help our clients achieve greater success in today’s complex market. For more information about our mortgage outsourcing solutions, visit www.phhmortgagesolutions.com.

PHH Arval is a leading fleet management services provider for corporate clients and government agencies throughout the United States and Canada. In conjunction with global fleet management providers operating under the PHH Arval Global Alliance, PHH Arval also provides services throughout the world.

Through consultative expertise, flexible customer service, and award-winning technology, we help reduce costs and increase productivity. We currently have over 580,000 automobiles and trucks under management in both sales and service fleets²—and nearly one in three of the Fortune 500 companies are PHH Arval clients.

PHH Arval is widely recognized for innovation, excellence in customer service and the successful application of technology to optimize vehicle management on behalf of our clients. For more information about our fleet management solutions, visit www.phharval.com.

¹ Based on 2012 statistics from Inside Mortgage Finance, May 25, 2012.
² Based on 2012 statistics from the Automotive Fleet Fact Book, June 2012