Daily VWAP and Indicative Offer Consideration for PHH Corporation’s Exchange Offer for its 6.00% Convertible Senior Notes due 2017

On May 6, 2015, PHH Corporation (“PHH”) commenced an exchange offer (the “Offer”) for any and all of its outstanding 6.00% Convertible Senior Notes due 2017 (the “Notes”), upon the terms and subject to the conditions set forth in the offer to exchange, dated May 6, 2015 (the “Offer to Exchange”), and in the related letter of transmittal (the “Letter of Transmittal”). The Offer is scheduled to expire at 11:59 p.m., New York City time (the “Expiration Time”), on Monday, June 15, 2015, unless extended or earlier terminated by PHH (as may be extended by PHH, the “Expiration Date”).

Holders who validly tender Notes that are not validly withdrawn and are accepted for exchange by PHH pursuant to the Offer will receive, for each $1,000 principal amount of validly tendered and accepted Notes, $1,125.00 in cash, plus accrued and unpaid interest from June 15, 2015 to, but excluding, the Settlement Date (as defined in the Offer to Exchange), and a number of shares of PHH’s common stock, par value $0.01 per share (the “Common Stock”), which is referred to in the Offer to Exchange as the “Exchange Ratio” (together, the “Offer Consideration”), which number will be fixed by 4:30 p.m., New York City time, on the Expiration Date and will be equal to the sum of the Daily Settlement Amounts for each VWAP Trading Day during the Observation Period. The minimum consideration holders will receive per $1,000 principal amount of validly tendered and accepted Notes is $1,125.00 in cash and 30.5824 shares of Common Stock. The maximum number of shares of Common Stock that may be issued as consideration in the Offer is 42.4871 per $1,000 principal amount of validly tendered and accepted Notes. If the Exchange Ratio will equal 42.4871, the maximum number of shares of Common Stock that may be issued per $1,000 principal amount of Notes as part of the Offer Consideration, then the Offer will be automatically extended until 11:59 p.m., New York City time, on the second trading day following the originally scheduled Expiration Date to permit holders of Notes to tender or withdraw their Notes during those days.

The “Daily Settlement Amount” means, for any VWAP Trading Day:

· 1/25 multiplied by

· (i) 78.2014 shares of PHH’s Common Stock multiplied by the Daily VWAP for such VWAP Trading Day, minus (ii) 1,000, divided by

· the Daily VWAP for such VWAP Trading Day.

The “Daily VWAP” means, for any VWAP Trading Day, the per share volume-weighted average price as displayed under the heading “Bloomberg VWAP” on Bloomberg page PHH US <equity> AQR (or any equivalent successor page) in respect of the period from the scheduled open of trading on the NYSE to the scheduled close of trading on the NYSE on such VWAP Trading Day or, if such volume-weighted average price is unavailable, the market value of one share of PHH’s Common Stock on such VWAP Trading Day using a volume-weighted method as determined by a nationally recognized independent investment banking firm retained for this purpose by PHH; provided that, in the event that such price or market value is lower than $21.00, the Daily VWAP shall be $21.00; and, provided further, that, in the event that such price or market value is higher than $28.00, the Daily VWAP shall be $28.00. The Daily VWAP will be determined without regard to after-hours trading or any other trading outside of the regular trading session trading hours.

The “Observation Period” means the 25 consecutive VWAP Trading Days beginning on the 24th VWAP Trading Day preceding the Expiration Date and ending on the Expiration Date.

“VWAP Trading Day” means a day during which (i) trading in PHH’s Common Stock generally occurs on the NYSE and (ii) there is no “VWAP market disruption event” (as defined in the Offer to Exchange).

The table below indicates the Offer Consideration with respect to each Note based on the formula for the Exchange Ratio described above, based on the Daily Settlement Amounts on the VWAP Trading Days that have passed since the commencement of the Offer:

VWAP Trading Day

Daily VWAP

Cash(1)

Daily Settlement Amount

Implied Share Consideration (Exchange Ratio) per $1,000 of Notes (2)

May 11, 2015

$27.2767

$1,125.00

1.6616

41.5401

May 12, 2015

$26.8165

 

1.6364

41.2255

May 13, 2015

$27.1304

 

1.6537

41.2645

May 14, 2015

$27.2182

 

1.6585

41.3137

May 15, 2015

$27.2894

 

1.6623

41.3624

May 18, 2015

$27.1733

 

1.6560

41.3687

May 19, 2015

$27.3384

 

1.6649

41.4050

May 20, 2015

$27.4973

 

1.6734

41.4587

May 21, 2015

$27.6509

 

1.6814

41.5228

May 22, 2015

$27.5253

 

1.6748

41.5577

May 26, 2015

$27.4446

 

1.6706

41.5765

May 27, 2015

$27.4583

 

1.6713

41.5936

May 28, 2015

$27.4738

 

1.6721

41.6098

May 29, 2015

$27.5434

 

1.6758

41.6301

June 1, 2015

$27.7231

 

1.6852

41.6635

June 2, 2015

$27.7413

 

1.6862

41.6942

June 3, 2015

$27.7591

 

1.6871

41.7226

June 4, 2015

$26.8588

 

1.6388

41.6807

June 5, 2015

$26.8571

 

1.6387

41.6432

June 8, 2015

$26.6151

 

1.6251

41.5925

June 9, 2015

$26.5025

 

1.6188

41.5390

June 10, 2015

$26.7186

 

1.6310

41.5042

June 11, 2015

$26.8509

 

1.6383

41.4805

June 12, 2015

$26.9918

 

1.6461

41.4669

June 15, 2015(3)

$27.1156

 

1.6529

41.4611

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(1) Cash component of the Offer Consideration will also include accrued and unpaid interest from June 15, 2015 to, but excluding, the Settlement Date.

(2) The Implied Share Consideration is equal to the sum of the Daily Settlement Amounts for each VWAP Trading Day that has passed in the Observation Period but with the denominator “25” in the Daily Settlement Amount formula replaced by the number of such VWAP Trading Days that have passed. Fractional shares of PHH’s Common Stock will not be issued. Cash will be paid in lieu of fractional shares based upon the Daily VWAP on the settlement date.

(3) As of 4:00 p.m.

The last reported trading price of the Common Stock on the New York Stock Exchange at 4:00 p.m. on June 15, 2015 was $27.14.

The final Exchange Ratio is 41.4611 shares of PHH’s Common Stock per $1,000 principal amount of validly tendered and accepted Notes. The Exchange Ratio was determined in accordance with the formula described above and is equal to the sum of the Daily Settlement Amounts for each VWAP Trading Day during the Observation Period, set forth in the table above.

To tender Notes after 5:00 p.m., New York City time, but on or prior to the Expiration Time, on the Expiration Date, DTC participants may complete and sign a voluntary offering instructions form and deliver it to the Exchange Agent in the manner set forth in the section of the Offer to Exchange entitled “Description of the Offer.” The voluntary offering instructions form can be found using the link below:

Voluntary Instruction Form

To withdraw Notes after 5:00 p.m., New York City time, but on or prior to the Expiration Time, on the Expiration Date, DTC participants should deliver to the Exchange Agent in accordance with the procedures set forth in the section of the Offer to Exchange entitled “Description of the Offer” a written notice of withdrawal specifying information set forth in that section.

Citigroup Global Markets Inc. acts as PHH’s exclusive financial advisor in connection with the Offer. Citigroup Global Markets Inc. has not been retained to, and will not, solicit acceptances of the Offer or make any recommendations with respect thereto. The exchange agent and the information agent for the offer is Global Bondholder Services Corporation. Holders of Notes may address questions about the Offer or make requests for copies of the Offer to Exchange and related documents for free to Global Bondholder Services Corporation, by calling (212) 430-3774.

None of PHH, PHH’s Board of Directors or executive officers, the financial advisor, the exchange agent or the information agent or any agent or other person makes any recommendation as to whether holders should tender the Notes for exchange pursuant to the Offer. None of the Company, its management or board of directors, the financial advisor, the information agent or the exchange agent has authorized any person to give any information or to make any representation in connection with the Offer other than the information and representations contained in the Offer to Exchange or in the Letter of Transmittal. If anyone makes any recommendation or representation or gives any such information, you should not rely upon that recommendation, representation or information as having been authorized by PHH, the financial advisor, the information agent or the exchange agent.

This webpage shall not constitute an offer to purchase, a solicitation of an offer to purchase, or a solicitation of an offer to sell securities. The Offer may be made only pursuant to the terms and conditions of the Offer to Exchange, the Letter of Transmittal and the other related Offer materials. PHH will provide copies of the Offer materials upon request free of charge to holders of the Notes.