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This Mortgage and Protection Arrangement (because the same concluded, modified, restated otherwise supplemented sporadically, so it Agreement) is made as of ong PENNYMAC LOAN SERVICES, LLC, as lender (the Lender) and PENNYMAC HOLDINGS, LLC, as borrower (the Borrower). WHEREAS, in order to finance Portfolio Excess Spread (as defined below) owned by Borrower from time to…