On December 19, 2023, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc, as borrower, entered into Amendment Number One to the Amended and Restated Credit and Security (the ?Credit Agreement?), dated as of June 30, 2023, with Flagstar Bank, National Association, as administrative agent on behalf of the lenders (the ?Administrative Agent?), and Flagstar Bank, National Association, as a lender and the other lenders party thereto (collectively, the ?Lenders?), pursuant to which the Lenders provide the Company with a revolving line of credit secured by certain of the Company?s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed therein. The primary purposes of Amendment One are to (a) extend the Termination Date to December 20, 2024 and (b) increase the amount available under the facility to $540 million via certain ancillary agreements thereto. Joinder to the Amended and Restated Credit Agreement with Flagstar Bank, National Association: On December 19, 2023, the Company, as borrower, entered into the Joinder (the ?Joinder?) to the Credit Agreement with the Administrative Agent on behalf of the Lenders.

The purpose of the Joinder was to add Capital One, National Association as a Lender under the credit facility.