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| 401(k) Savings Plan |
| The PHH Corporation Employee Savings
plan is an important part of our benefits package, because
it can help build savings and open the door to a financially
secure future. It is a world-class savings plan that can
be utilized for long-term saving needs. The Savings Plan
offers pre-tax savings, a generous matching contribution,
immediate vesting and a diversified array of investments
to choose from. Each team player can access educational
material, account modeling tools and their personal accounts
through the internet or the telephone 24 hours a day, 7
days a week.
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