It Financing and Cover Arrangement (given that exact same finished, changed, restated otherwise supplemented from time to time, that it

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It Financing and Cover Arrangement (given that exact same finished, changed, restated otherwise supplemented from time to time, that it Agreement) is made as of ong PENNYMAC LOAN SERVICES, LLC, as lender (the Bank) and PENNYMAC HOLDINGS, LLC, as borrower (the Borrower). WHEREAS, in order to finance Portfolio Excess Spread (as defined below) owned by…