PENNYMAC MOBILE vs ReturnNotice

**What’s new: Updated design and improved functionality based on customer feedback** Make it simple to manage your home loan, with everything you need at your fingertips. Enjoy complete convenience with 24/7 access to your account(s) and the ability to: - Check your current loan balance - Keep track of loan payments and activity at a glance - Set up automatic, recurring monthly payments or make a one-time payment - Download and view statements and documents, making it easy to go paperless - Get payment reminders - Manage escrow, tax and insurance - Get available refunds with eDisbursements - Log in securely with fingerprint authentication - Make principal reduction and escrow shortage payments - Calculate ways to adjust and save on your payments - View/pay multiple mortgages *App available in Spanish./App disponible en Español. Pennymac Publication Rules PennyMac Loan Services, LLC does not pay or otherwise provide compensation for reviews/comments. All reviews/comments are subject to the disclaimer provided prior to posting and become the property of Pennymac once submitted. We reserve the right to validate, remove or republish your reviews/comments at any time. Equal Housing Opportunity © 2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review Pennymac’s state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. (02-2023)

ReturnNotice helps you keep every dollar you deserve. Log your purchases, and the app instantly works out the last day you can return each item at every store — then reminds you before it's too late. NEVER MISS A WINDOW • Automatic Return By dates based on each store's real policy and your region. • A live countdown to every deadline, color-coded so urgent returns stand out. • Smart home sections: Overdue, This Week, In 14 Days, and Later — plus Today / All / Done views. REMINDERS THAT WORK • Schedule alerts 1, 2, or 8 days before a deadline — or set your own custom reminder time. • Tap "Mark Returned" right from the notification to clear an item. • Optional calendar integration adds your return-by dates as events so deadlines live where you already look. RECEIPTS MADE SIMPLE • Snap a photo of a receipt or product, or paste a product link, and AI Scan extracts the item details for you. • Everything is processed entirely on your device — your photos and data never leave it. • Attach photos or PDF receipts to any return for easy reference at the counter. ORGANIZED THE WAY YOU WANT • Stores, categories, regions, and memberships — build a library that matches how you shop. • Add multiple products and typed details to a single return (quantity, price, links, and more). • Search, filter, and sort by store, status, category, or price. • Home-screen widgets and an Apple Watch app (with complication) keep your most urgent deadline in view at all times. • Backup and restore your data, or export it — your choice. MORE WITH RETURNNOTICE PRO • Unlimited active returns (free plan includes 3). • Calendar integration. • Custom categories. • The Apple Watch app. • AI Scan for receipts and links. Free to start, with a one-time purchase to go Pro. Prefer to just say thanks? You can send a small one-time tip instead.