Pennymac TPO x Team USA Swag Giveaway Official Rules

ELIGIBILITY: The Pennymac TPO x Team USA Swag Giveaway (“Giveaway”) is open only to legal residents of the fifty (50) United States and the District of Columbia who are eighteen (18) years of age or older as of the date of entry and who follow @pennymac.tpo on Instagram. Employees, officers and directors of PennyMac Loan Services, LLC (“Sponsor”), the Los Angeles Organizing Committee for the Olympic and Paralympic Games 2028 (“LA28”), any official Olympic or Paralympic organization or entity (including the International Olympic Committee, the International Paralympic Committee, the United States Olympic and Paralympic Committee, United States Olympic and Paralympic Properties, LLC, National Governing Bodies and their athletes) (together with LA28, the “Olympic and Paralympic Entities”), and their respective parent companies, subsidiaries, affiliates, and advertising and promotion agencies (collectively, the “Giveaway Parties”), and the immediate family members (spouse, parent, child, sibling and their respective spouses) and household members of each such person, are not eligible to enter or win. The Giveaway is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted by law.

TIMING: The Giveaway begins at 9 AM Pacific Time (“PT”) on November 16th, 2026 and ends at 11:59 p.m. PT on November 30th, 2026 (the “Giveaway Period”). Entries submitted before or after the Giveaway Period are ineligible. The designated computer clock of the Sponsor is the official time-keeping device for the Giveaway.

HOW TO ENTER: During the Giveaway Period, to receive one (1) entry into the Giveaway you must complete all of the following on the official Giveaway post on the @pennymac.tpo Instagram account: (a) follow @pennymac.tpo on Instagram; (b) “Like” the official Giveaway post; and (c) comment on the official Giveaway post with your favorite Olympic or Paralympic event. No purchase, loan, loan application, or payment of any kind is required to enter or to win, and no purchase or loan will improve your chances of winning. Entries must be submitted through the official Giveaway post on the @pennymac.tpo account; entries submitted through any other account, post, or channel will not be eligible. The Giveaway Parties are not responsible for and shall not be liable for entries that are lost, late, incomplete, misdirected, or not received for any reason, including any failure, interruption or unavailability of the Instagram platform.

LIMIT: Limit one (1) entry per person and per Instagram account during the entire Giveaway Period, regardless of the number of comments submitted. Multiple comments submitted from the same account will be consolidated into a single entry. Any attempt by an entrant to submit additional entries through the use of multiple accounts, identities, automated systems, or any other method will void all entries from that entrant.

DRAWING: On or about December 2nd, 2026, Sponsor will select ten (10) potential winners in a random drawing from among all eligible entries received during the Giveaway Period. The drawing will be conducted by Sponsor and witnessed by a second Sponsor representative. Sponsor will select ten (10) alternates in the same drawing, to be used in the event a potential winner is disqualified, cannot be contacted, declines a prize, or does not respond within the time required.

ODDS: Odds of winning depend on the total number of eligible entries received during the Giveaway Period.

WINNER NOTIFICATION/PRIZE CLAIMING: Each potential winner will be notified via Instagram direct message from the official @pennymac.tpo account within forty-eight (48) hours of the drawing, and must respond to that direct message within seventy-two (72) hours of it being sent in order to claim a prize. Sponsor will request the information reasonably necessary to fulfill the prize, which may include full name, shipping address, email address and apparel sizing. Confirmation of eligibility and acceptance of these Official Rules will be obtained through the Instagram direct message claim exchange; no separate affidavit, notarized document or IRS Form W-9 is required. A potential winner who does not respond within the required period, who cannot be contacted, who declines a prize, who is determined to be ineligible, or who fails to return any required documentation will forfeit the prize, and an alternate may be selected. Sponsor will make no more than two (2) attempts to contact any potential winner. Winners will be announced on or about December 2nd, 2026.

PRIZES/PRIZE RESTRICTIONS: Ten (10) prizes are available in the Giveaway. Each prize consists of one (1) Pennymac x Team USA merchandise bundle containing the winner's choice of either a quarter-zip pullover or a vest, plus a Team USA cap and a water bottle. Each winner will be asked to select either the quarter-zip pullover or the vest at the time of prize claim. If a winner does not make a selection within the claim period, Sponsor will make the selection on that winner's behalf. All sizes, styles and colors are determined by Sponsor in its sole and absolute discretion and are subject to availability, and Sponsor reserves the right to substitute the alternate garment if the garment selected is unavailable in the winner's size. The approximate retail value (“ARV”) of each prize is $150. Total ARV of all prizes available in the Giveaway is $1,500. Prizes are awarded “as is” and without warranty of any kind, express or implied. Prizes are non-transferable, with no cash redemption, equivalent or substitution allowed except at Sponsor’s sole and absolute discretion, including the right to substitute a prize of equal or greater value if an advertised prize becomes unavailable. Prizes will be shipped only to addresses within the fifty (50) United States and the District of Columbia. All prize details not specified in these Official Rules will be determined in Sponsor’s sole and absolute discretion.

TAXES: All federal, state and local taxes on a prize are the sole responsibility of the winner. All costs and expenses not expressly stated as being included in a prize are the sole responsibility of the winner. No IRS Form 1099-MISC reporting or Form W-9 is required of winners at this prize value.

PUBLICITY: Except where prohibited by law, by accepting a prize, each winner consents to the use by Sponsor and the Giveaway Parties of that winner’s Instagram handle, first name, last initial, city/state of residence, and submitted entry comment for promotional, marketing, and winner-announcement purposes across Sponsor’s social channels and website, worldwide and in perpetuity, without additional compensation, review, or notification.

CONDUCT: The Giveaway Parties are not responsible for the actions of entrants in connection with the Giveaway, including entrants’ attempts to circumvent these Official Rules or otherwise interfere with the administration, security, fairness, integrity or proper conduct of the Giveaway. Sponsor reserves the right, in its sole discretion, to disqualify any entrant who tampers with the entry process, violates these Official Rules or the Instagram Terms of Use, acts in a manner that is disruptive or abusive, or submits a comment that is unlawful, obscene, defamatory, harassing or otherwise inappropriate, and to remove any such comment. Sponsor further reserves the right to modify, suspend or terminate the Giveaway if it becomes technically compromised or is otherwise not capable of being conducted as described in these Official Rules, and in such event to award prizes from among eligible entries received prior to the action taken.

WAIVERS AND DISCLAIMERS: The Giveaway Parties assume no responsibility or liability for: (a) lost, late, stolen, undelivered, inaccurate, incomplete, delayed, misdirected, damaged or garbled entries or communications; (b) any incorrect or inaccurate entry information; (c) any technical failure, malfunction, interruption or unavailability of the Instagram platform or of any network, server, or provider; or (d) any error in the collection, processing, or retention of entries.

RELEASES: All entrants, as a condition of participation in this Giveaway, release, discharge, indemnify and hold harmless the Giveaway Parties and each of their respective directors, officers, employees, agents, successors and assigns from and against any and all liability for any loss, harm, damage, injury, cost or expense arising out of or relating to participation in the Giveaway or the acceptance, possession, use or misuse of any prize.

GOVERNING LAW, VENUE, AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrants or Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules.

Any legal proceeding arising out of or relating to this Giveaway or these Official Rules shall be instituted exclusively in the state or federal courts located in Ventura County or Los Angeles County, California, and each entrant irrevocably submits to the exclusive personal jurisdiction of such courts.

CLASS ACTION WAIVER & DAMAGES LIMITATION: TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL DISPUTES SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. IN ANY DISPUTE, ENTRANT SHALL NOT BE PERMITTED TO OBTAIN, AND HEREBY EXPRESSLY WAIVES ALL RIGHTS TO CLAIM, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING ATTORNEYS’ FEES, AND ENTRANT’S SOLE AND EXCLUSIVE REMEDY SHALL BE LIMITED TO ACTUAL, PROVABLE OUT-OF-POCKET EXPENSES DIRECTLY INCURRED IN ENTERING THE GIVEAWAY (IF ANY), WITH NO RIGHT TO MULTIPLIED OR ENHANCED DAMAGES.

NO ASSOCIATION WITH THE OLYMPIC AND PARALYMPIC ENTITIES: The Olympic and Paralympic Entities are not sponsors or administrators of the Giveaway. The Olympic and Paralympic Entities shall have no liability or responsibility for any claim arising out of or in connection with your participation in this Giveaway or any prize awarded.

NOT SPONSORED BY INSTAGRAM: The Giveaway is in no way sponsored, endorsed, administered by or associated with Instagram or Meta Platforms, Inc. By entering, each entrant releases Instagram and Meta Platforms, Inc. from any and all liability in connection with the Giveaway and acknowledges that any information provided in connection with the Giveaway is provided to Sponsor and not to Instagram or Meta Platforms, Inc.

ENTRY INFORMATION AND PRIVACY: As a condition of entering the Giveaway, each entrant gives consent for Sponsor to obtain and deliver their name and other information to third parties for the purpose of administering this Giveaway and to comply with applicable laws, regulations and rules. Information collected from entrants is subject to the Pennymac privacy policy, available at https://www.pennymac.com/privacy.

MISCELLANEOUS: The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. Sponsor’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision. These Official Rules are available at tpo.pennymac.com/giveaway-rules for the duration of the Giveaway Period and for thirty (30) days thereafter.

WINNERS LIST: The winners will be announced on the official @pennymac.tpo Instagram account on or about December 9th, 2026. To receive a copy of the winners list by email, send an email request to tposocialmedia@pnmac.com with the subject line “Pennymac TPO x Team USA Swag Giveaway Winners List” within sixty (60) days after the end of the Giveaway Period.

SPONSOR: PennyMac Loan Services, LLC, 3043 Townsgate Road, Suite 200, Westlake Village, CA 91361. NMLS #35953. Pennymac TPO is a division of PennyMac Loan Services, LLC. Reference to third parties in connection with the prizes is for reference and identification purposes only and is not intended to suggest endorsement, sponsorship or affiliation.