2017 EMPLOYEE BENEFITS GUIDE

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In this guide we use the term “Company” to refer to Nationstar Mortgage and related companies. This guide is intended to describe the eligibility requirements, enrollment procedures and coverage effective dates for the benefits offered by the Company. It is not a legal plan document and does not imply a guarantee of employment or a continuation of benefits. While this guide is a tool to answer most of your questions, full details of the plans are contained in the Summary Plan Descriptions (SPDs) that govern each plan’s operation The guide is considered the Summary of Material Modifications and gives a general overview of changes. Whenever an interpretation of a plan benefit is necessary, the actual plan documents will be used.

See page 35 for important information concerning Medicare Part D coverage.

TABLE OF CONTENTS

Welcome . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42017 BENEFITS - WHAT’S NEW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Wellness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Medical Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Pharmacy Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Health Savings Account (HSA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16Dental Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Vision Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21Flexible Spending Accounts (FSAs) . . . . . . . . . . . . . . . . . . . . . . . . . . .23Survivor Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26Income Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30Retirement Planning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31Additional Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33Required Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35Important Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38Lockton BenefitLink Mobile App . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38

WELCOME

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Go Mobile!Scan with Your Smartphone to Access Enrollment Materials Online

WELCOME TO OPEN ENROLLMENT FOR YOUR 2017 BENEFITS! Nationstar Mortgage works hard to provide you with competitive benefits that support your life. Open Enrollment is your opportunity to review your benefit offerings and make elections for your 2017 coverage. If you recently joined the company, make sure you enroll for both 2016 and 2017 benefits! This guide is designed to assist you and your family in making the best choices to meet your needs in 2017.Please read this guide in its entirety; it explains some very important changes for you to consider this year. At Nationstar Mortgage, we strive to provide a choice of competitive benefits that:

• Meet the needs of our employees and eligible family members• Are easy to understand and use• Help keep money in your pockets by delivering great value

HAVE A SMARTPHONE? This Benefit Guide is equipped with mobile‑friendly barcodes like the one shown on this page. These barcodes are more commonly referred to as “Quick Response” codes, or QR codes. Scanning these codes will take you to a new place on your phone, allowing you to see new content. They might show you a website, video or article. They can take you anywhere—you just have to scan them first.

SO HOW DO I SCAN THEM?First, you’ll need one of the many free QR Reader Apps available for smartphones or tablets. After the download, just open your new App and follow the directions to scan the QR code. The App will read it and immediately take you to that code’s content.

Open Enrollment:

Friday,

October 28

through

Monday,

November 14,

2016

Enroll in Text Updates for the latest news on benefits.Text MRCOOPER to 99000

2017 BENEFITS - WHAT’S NEW

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Open Enrollment is Friday, October 28 through Monday, November 14 and will be an “Active Enrollment.” Your current optional benefit elections will not carry over and will end effective December 31, 2016– except for life insurance elections. Plan rates for medical, dental and vision programs will have a modest increase and are consistent with overall market trends.

Medical

• This year, PPO and HSP medical plan changes are focused on limiting more costly out‑of‑network care as noted below:

• Dialysis treatment received at an Out‑of‑Network facility will not be covered • Services provided by Cancer Treatment Centers of America will not be covered• All Out‑of‑Network Lab & X‑ray facility claims will now be at the Out‑of‑Network level of coverage,

even when doctor’s office provides a referral

Dental

• High dental plan option changes:• Annual deductibles will increase to $75 for individual coverage and $225 for family coverage• Implants will now be covered

Vision

• VSP vision benefits now offer 2 options ‑ Gold Plan and Silver Plan

• New Silver plan provides great value and enhanced lens coatings coverage

• Gold Plan allows glasses every 12 months; and improved frame and lens coatings coverage

Basic Life/AD&D

• All eligible employees will be provided Basic Life/AD&D coverage of 2x annual salary, minimum $60,000 and maximum $500,000

Optional Life

• Eligible employees may purchase Optional Life coverage in increments of $25,000 up to $1,000,000

• The Guaranteed Issue amount will be increased to $350,000

Optional Dependent Life

• Eligible employees may purchase Optional Spouse Life coverage in increments of $25,000 up to $125,000

• Eligible employees may purchase Optional Child Life coverage up to $12,500

Short Term Disability

• New Employees become eligible for disability benefits after 6 months of service from date of hire

• The STD benefit for employees with 6 months up to 1 year of service will be 60% of base salary for up to 26 weeks

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You and your family have unique needs, which is why Nationstar offers a variety of benefit plans from which you may choose. Consider your spouse/domestic partner’s benefits through his or her place of employment and your dependents’ eligibility when weighing each option.

ELIGIBILITYIf you are a regular full‑time employee of Nationstar Mortgage who is regularly scheduled to work at least 30 hours per week, you are eligible to participate in the medical, dental, vision, life and disability plans, as well as the Flexible Spending Accounts (FSAs) and additional benefits.

WHEN DOES COVERAGE BEGIN?The elections you make during Open Enrollment are effective on January 1, 2017. Due to IRS regulations, once you have made your choices for 2017, you can’t change your benefits until the next enrollment period unless you have a qualifying life event.For newly hired employees after January 1, 2017, you will be eligible to participate in the Nationstar Mortgage benefits on the first day of the month following or coinciding with your date of hire.

WHEN TO ENROLL?Current employees — During Open Enrollment, October 28 to November 14, 2016 you can change your current elections and/or elect coverage for 2017. Open Enrollment is ACTIVE and your current 2016 elections will not roll over into 2017, with the exception of life insurance. If you do not elect medical, dental, vision FSA or HSA, these pre‑tax deductions will end December 31, 2016.Newly hired employees — To be covered under Nationstar Mortgage benefits plans, you must enroll online within 31 days of your hire/rehire date.Employees who experience a qualifying life event — When a life event occurs, you have 31 days from the date of the event to notify the Nationstar Benefits Center and/or process changes to your coverage online.

Your coverage is effective January 1, 2017. For new hires, coverage is effective on the 1st day of the month following or coinciding with your date of hire.

ENROLLMENT

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YOUR ELIGIBLE DEPENDENTSDependents eligible for coverage in the Nationstar Mortgage benefits plans include:

• Your legal spouse (or common‑law spouse in states that recognize common‑law marriages).

• A domestic partner • Your dependent children (includes stepchildren, legally adopted children or children

placed with you for adoption, and foster children).‑ Medical, Dental and Vision coverage up to age 26‑ Dependent Life coverage up to age 26 (unmarried child(ren))

• Your dependent child, regardless of age, provided he or she is incapable of self‑support due to a mental or physical disability, is fully dependent on you for support as indicated on your federal tax return.

For New Hires or changes in 2017, please note that verification of dependent eligibility will be required once dependents are enrolled. If you do not provide the necessary documentation or cannot provide adequate documentation to verify your dependent’s eligibility, your unverified dependents will not be added to your 2017 coverage.

DOMESTIC PARTNER COVERAGETo be eligible for Domestic Partner coverage, you and your Domestic Partner must meet the conditions outlined in the “Domestic Partner Certification Affidavit.” This form must be submitted at time of enrollment.Proof of the ongoing nature of the domestic partnership may be requested, as needed.

DOMESTIC PARTNER IMPORTANT TAX NOTE:If you choose to enroll a domestic partner and/or his or her children in medical, dental and/or vision coverage, the premiums for that coverage will be deducted from your pay on a post‑tax basis. Your premiums for your own coverage will continue to be deducted on a pre‑tax basis.In addition, the amount that Nationstar contributes to the plan for that domestic partner is considered imputed income or DPII (Domestic Partner Imputed Income) and is added to your taxable wages each pay period. The amount Nationstar contributes to your coverage as an employee, however, continues to be tax‑free.For additional tax information, please view the “Domestic Partner Tax Information” document found on the Nationstar Connect Benefits Page.For further information please contact the Nationstar Benefits Center at 844‑NSTAR‑BEN (844‑678‑2723) or email nationstarbenefits@onesourcevirtual.com.

Only one member of a married couple

who works for Nationstar may

elect Employee and Spouse coverage.

Additionally, if you are married to a Nationstar employee and

you have children, Employee and

Family coverage may be elected with immediate family members

under only one Nationstar

employee.

Health Care Reform in 2017 The Patient Protection and Affordable Care Act (PPACA, also known as Health Care Reform) requires most Americans to have a minimum level of health insurance or pay a tax penalty. If you enroll in a Nationstar Mortgage medical plan, you satisfy

this requirement. You can find more information about PPACA and the Health Insurance Marketplace online at www.healthcare.gov.

Please note that the Nationstar medical plan options meet both the coverage and affordability requirements so active employees will not qualify for a subsidy

for a Health Insurance Marketplace plan.

Curious about Qualifying Life Events and how they may affect your coverage?

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THINGS TO CONSIDERBefore enrolling, it is a good time to consider your benefits and determine if you need to make changes. Situations that you should take into account as you assess your benefits decisions:

• Does your spouse/domestic partner have benefits coverage available through another employer?

• Did you get married, divorced or have a baby recently? If so, do you need to add or remove any dependent(s) and/or update your beneficiary designation?

• Did any of your covered children reach their 26th birthday this year? If so, they are no longer eligible for benefits.

QUALIFYING LIFE EVENTSWhen one of the following events occurs, you have 31 days from the date of the event to notify the Nationstar Benefits Center and/or process changes to your coverage. Your change in coverage must be consistent with your change in status.

• Change in your legal marital status (marriage, divorce or legal separation)• Change in the number of your dependents (for example, through birth or

adoption, or if a child is no longer an eligible dependent)• Change in your spouse/domestic partner’s employment status (resulting in

a loss or gain of coverage)• Change in your employment status from full‑time to part‑time, or part‑time

to full‑time, (resulting in a loss or gain of coverage)• Entitlement to Medicare or Medicaid• Purchase of coverage through the ACA Exchange Marketplace• Current court‑ordered medical, dental and vision coverage for your

dependents cannot be dropped unless a request is submitted by the Attorney General.

PREPARING TO ENROLLNationstar Mortgage seeks to provide its employees with competitive benefit coverage. As a committed partner in your health, Nationstar Mortgage will be absorbing a significant amount of the costs. Your share of the contributions for medical, dental, vision, HSA and FSA benefits are deducted on a pre‑tax basis —this lowers the amount you pay in taxes.Please note that employee contributions for medical, dental and vision coverage vary depending on the level of coverage you select. All premiums are based on a semi‑monthly schedule, and contributions are taken the first two pay periods of each month.

Keep in mind that you may select any combination of medical, dental and/or vision plans and any combination of coverage categories. For example, you could select medical coverage for you and your entire family, but select dental and vision coverage only for yourself. The only requirement is that you, as an eligible employee of Nationstar Mortgage, must elect coverage for yourself in order to elect any dependent coverage. You have the option to select coverage from the following categories:

• Employee Only

• Employee + Spouse/Domestic Partner

• Employee + Child(ren)

• Employee + Family (Spouse/Domestic Partner and child(ren))

The Centers for Medicare & Medicaid Services have a reporting provision for employers who offer insurance to employees. All employees who enroll spouses or dependents into one of the medical plans must provide the spouse or

dependent’s valid Social Security number.

Don’t forget to enroll your newborn in your family

coverage. If your newborn is not enrolled, all claims will be denied after a 30 day grace period back to the

date of birth.

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1. Understand your choices!Read this Benefits Guide carefully to get answers to your questions. This guide helps you to prepare for enrollment and contains very useful reference material. Keep it handy so you can refer to it throughout the year.

2. Review your options with your family.Make sure you include any other individuals who will be affected by your elections in the decision‑making process.

3. Enroll online via Workday.You will receive an email with a link to Workday to complete your Open Enrollment task on 10/28/2016 for currently active employees. For employees hired on or around 10/28/2016 you will receive the link when you have completed your onboarding task in Workday.

You may also log into Workday at https://wd5.myworkday.com/nationstar/login.flex.

Your Workday username is your Nationstar Network ID and password. Check for the enrollment task in your Workday mailbox in the upper right hand corner. This link will only be available for the open enrollment period 10/28/2016 to 11/14/2016.

4. Confirm your personal and dependent information.

5. Select your coverage.You will be required to enter any new dependent information, including date of birth and social security number, to add the dependent to coverage.

Note: You must actively elect medical, dental, vision and any HSA or FSA contributions.

6. Save your elections!You must click the “Submit” button or your elections will not be saved. Print out your benefits statement and keep for your records.

7. If you have any questions or need assistance –Please call the Nationstar Benefits Center at 844‑678‑2723 (844‑NSTAR‑BEN) or email nationstarbenefits@onesourcevirtual.com

Be sure to have the Social Security numbers and birth dates for any eligible dependent(s) that you plan to enroll. You cannot enroll your dependent(s) without this information.

HOW TO ENROLL

Action: Log Into www.myviverae.com or call Viverae at 888-848-3723 to enroll in the Wellness Program and start earning your points.

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Nationstar has partnered with Viverae to reward employees who take steps to learn about and improve their personal health. For 2017, the wellness incentive programs continue to focus on health – not just completing activities like a screening. It’s important to take steps to stay or get healthy. This means that to earn the incentives for 2017, certain health measures must be met as we want to encourage employees to actually improve their health and lower their risk for serious health conditions.

NON-TOBACCO INCENTIVE CREDITThe non‑tobacco incentive is part of the general wellness program under the Nationstar Employee Benefit Plan and is designed to improve participant health by rewarding those who do not use or who stop using tobacco products. Medical Plan Participants who meet the non‑tobacco program points goal will be eligible to receive a $30 Medical Premium Credit for 2017 in the first two pay periods per month. To qualify for the Non‑tobacco incentive credit, employees must complete the Member Health Assessment, Biometric Screening and Tobacco Screening test by October 31, 2016.If you test positive for tobacco, you may still qualify for the incentive by completing a tobacco cessation coaching program (or your physician may recommend an alternative program). The targeted program for Non‑Tobacco must be completed by November 30, 2016 for all employees hired on or before November 1, 2016. Employees hired November 2, 2016 through December 1, 2016 will have until December 31, 2016, to complete a tobacco cessation program.

NON-TOBACCO PROGRAM POINTS In order to earn the Non‑Tobacco Medical Premium Credit for 2017, you must earn a total of 100 out of a possible 100 points as outlined in the chart below.

NON-TOBACCO PROGRAM POINTS

ASSESSMENTS (REQUIRED) POINTS

Member Health Assessment 1

Biometric Screening 1

HEALTH METRICS / TARGETED ACTIONS POINTSTobacco Free: Negative Tobacco Swab Test Onsite LabCorp – Venipuncture (Biometrics & Tobacco) 100Targeted Program – Breaking Free From Tobacco

PROGRAM GOAL 100

WELLNESS

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WELLNESS INCENTIVE CREDITBy participating in the free and confidential on‑site Biometric screenings and Member Health Assessment, you will be eligible for the Wellness Incentive Credit. You must meet the Wellness Program Points Goal to receive a $15 Medical Premium Credit for 2017 on the first two pay periods per month. Your Biometric Screening and Member Health Assessment must be completed by October 31, 2016.

WELLNESS PROGRAM POINTSAssessments POINTS

MEMBER HEALTH ASSESSMENT Required 1

BIOMETRIC SCREENING Required 1

HEALTH METRICS / TARGETED ACTIONS POINTS

BODY MASS INDEX/ WAIST MEASUREMENT

BMI Less than 25.0

100

Waist Measurement

Less than 35 inches (females)

Less than 40 inches (males)

Any Improvement from prior yearTargeted Program – Reaching Your Healthy Weight

TOTAL CHOLESTEROLLess than 200 mg/dL

100Any Improvement from prior yearOnline Course – Lipids: Managing Your Risk

BLOOD PRESSURE

Systolic Less than 120 mmHG, and

100Diastolic Less than 80 mmHGAny Improvement from prior yearOnline Course – Blood Pressure: Healthy Habits

GLUCOSE

Fasting: Less than 100 mg/dL

100Non-fasting or Unknown: Less than 140 mg/dLAny Improvement from prior yearOnline Course - Healthy Eating: Mindful & Portion Control

PROGRAM GOAL 300

If you are unable to meet a Health Metric, you have alternative options to qualify for the Medical Premium Credit. The 2017 Nationstar wellness program includes Health‑e Steps™ Targeted Programs that will help you make necessary changes. Completion of a targeted health program allows you to meet the standard and thus qualifies you for a Wellness Credit. Alternative programs must be completed by November 30, 2016.Please see page 37 for important information on options if you do not meet one of the metrics listed.

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Our medical coverage helps you maintain your well‑being through preventive care and access to an extensive network of providers, as well as affordable prescription medication. The choices provided allow you to create a plan that will best serve you and your family. These resources help you enjoy the benefits of good health.It is up to you to choose the plan that best matches your needs. Please keep in mind that the option you elect will be in place for all of 2017, unless you have a qualifying life event. Please note that certain procedures such as bariatric surgery, dialysis treatment and certain high cost procedures may not be covered out of network or may have a lower level of benefit if you go out of network. Please call UnitedHealthcare if considering any high cost procedure to be sure that you take advantage of the highest level of benefit. You may refer to the Summary Plan Description for more information.

HOW TO FIND A PROVIDERTo see the current list of UHC network providers online, download the Health4Me app or go to www.myuhc.com and select Find a Doctor. Both the PPO and the HSP are under the “UnitedHealthcare Choice Plus” network. You may also call UHC Customer Care at 888‑380‑2410 to verify providers.

2017 MEDICAL PREMIUMSPremium contributions for medical will be deducted from your paycheck on a pre‑tax basis*. Your level of coverage will determine your semi‑monthly premiums. All rates reflected are shown before the semi‑monthly $15 wellness incentive credit and/or the $30 non‑tobacco incentive credit.

PPO HSP HMO (CA RESIDENTS ONLY)

COVERAGE LEVELSEMPLOYEE ONLY $118.21 $98.32 $108.73

EMPLOYEE + SPOUSE/DOMESTIC PARTNER $269.17 $209.41 $306.67

EMPLOYEE + CHILD(REN) $247.43 $193.80 $282.88

EMPLOYEE + FAMILY $332.20 $257.34 $401.81*The premiums you pay for medical, dental and/or vision coverage for a domestic partner and his or her children will be

made on an after-tax basis. (Your contributions for your own coverage will continue to be made on a pre-tax basis.)

Find tips for a healthy lifestyle here.

You pay a higher copay or out-of-pocket cost when visiting an Emergency Room or Urgent Care Center. Using these services only when appropriate can save you time and money.

MEDICAL BENEFITS

Health4MeUHC’s mobile app lets you:

• Search for providers• View claims• View and share medical

ID card • Contact a registered

nurse 24/7

• Check account balances• Locate Urgent Care and ER

facilities• Check deductible and

out-of-pocket spending

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MEDICAL PLAN SUMMARYThere are two primary choices of medical plans:

• Health Savings Plan (HSP) with Health Savings Account (HSA) — The HSP plan offers great value with lower paycheck deductions and has similar PPO network provisions noted below, with several distinct features that can make it a cost‑effective alternative for employees and their families.

• Nationstar contributes money into the HSA to help employees offset out‑of‑pocket healthcare expenses on a pre‑tax basis. Employees can also contribute to the HSA on a pre‑tax basis. The funds contributed to the HSA may accumulate earnings on a tax‑free basis and may be withdrawn on a tax‑free basis if used for qualified healthcare‑related expenses. This is an individual account, so it is portable should you leave Nationstar in the future and you do not forfeit any company contributions. This enables many to save for future medical expenses. See the HSA section for more details.

• The IRS mandates that the HSP/HSA must have a higher deductible, but the employee paycheck deductions are lower than the PPO and HMO.

• Out‑of‑pocket prescription costs will apply toward the out‑of‑pocket maximum. • Preferred Provider Organization (PPO) — The PPO plan provides the option to see both in‑network and

out‑of‑network providers; you decide whether or not to use a network provider for your specific medical needs. However, to benefit from the lower out‑of‑pocket costs, it is your responsibility to verify your providers are in‑network. If you choose to seek care out‑of‑network, your out‑of‑pocket costs will be higher, possibly significantly. While you do not need referrals to access specialty care, you are required to have certain procedures and all hospital stays pre‑certified.

The chart below gives a summary of the 2017 medical coverage provided by UnitedHealthcare (UHC). All covered services are subject to medical necessity as determined by the plan.

UNITEDHEALTHCARE (UHC) KAISER PERMANENTE

PPO HSPHMO

(CALIFORNIA RESIDENTS ONLY)***

IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK IN-NETWORK ONLY

HSA ANNUAL CONTRIBUTIONS (NATIONSTAR MORTGAGE’S CONTRIBUTIONS)EMPLOYEE $0 $500 $0

EMPLOYEE + DEPENDENTS $0 $1,000 $0

ANNUAL DEDUCTIBLEINDIVIDUAL $1,250 $2,500 $1,500 $3,000 $0

FAMILY $2,500 $5,000 $3,000 $6,000 $0

COINSURANCE (EMPLOYEE PAYS) 20%* 50%* 20%* 50%* Copays vary by service

ANNUAL OUT-OF-POCKET MAXIMUM (INCLUDES MEDICAL AND RX)INDIVIDUAL $4,000 $8,000 $4,000 $8,000 $1,500

FAMILY $8,000 $16,000 $8,000** $16,000 $3,000LIFETIME MAXIMUM Unlimited Unlimited Unlimited

COPAYS/COINSURANCE (EMPLOYEE PAYS)PREVENTIVE SERVICES 100% covered N/A 100% covered N/A 100% covered

URGENT CARE $40 50%* 20%* 50%* $15

EMERGENCY ROOM $150 then 20%* 20%* $100

OUTPATIENT SERVICES (OFFICE VISITS)PRIMARY CARE PROVIDER $20 50%* 20%* 50%* $15

TIER 1 PREMIUM SPECIALIST $40 50%* 30%* 50%* $15STANDARD NETWORK SPECIALIST $60 50%* 20%* 50%* $15

VIRTUAL VISIT $20 N/A $40-$50 N/A N/A

*After Deductible**For any one individual covered under a family coverage tier, the Out-of-Pocket Maximum will be capped at $6,850.

Other family members will continue to pay coinsurance until the $8,000 family Out-of-Pocket Maximum is satisfied.***Availability may be limited based on your location

Out-of-network lab paid at out-of-network level, even if referring provider is in network.

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PRESCRIPTION DRUG COVERAGE INCLUDED WITH MEDICAL PLANSThe prescription drug program is coordinated through UHC. You will have a single ID card for medical and for prescriptions. You may find information on your benefit coverage by contacting UHC. Your cost is determined by the tier assigned to the prescription drug product. All products on the list are assigned as Generic (Tier 1), Preferred (Tier 2) or Non‑Preferred (Tier 3). Certain medications may require prior authorization of medical necessity and/or require use of an alternative medication. Specialty medications must be filled through BriovaRx, the designated UHC specialty pharmacy to be covered in network.NOTE: Certain preventive care medications are covered at 100% in the Health Savings Plan.

UNITEDHEALTHCARE (UHC) KAISER PERMANENTE

PPO HSPHMO

(CALIFORNIA RESIDENTS ONLY)

IN-NETWORK ONLY IN-NETWORK ONLY IN-NETWORK ONLY

RETAIL PHARMACY (31 DAY SUPPLY)

PREVENTIVE ** 0%* **

GENERIC (TIER 1) $10 20%* $10

PREFERRED (TIER 2) $30 20%* $20

NON‑PREFERRED (TIER 3) $60 20%* $20

MAIL ORDER PHARMACY (31 DAY SUPPLY)

PREVENTIVE ** 0%* **

GENERIC (TIER 1) $20 20%* $20

PREFERRED (TIER 2) $60 20%* $40

NON‑PREFERRED (TIER 3) $120 20%* $40

*After deductible**Based on tier

UHC Step TherapyUStep Therapy offers a “stepwise” approach to therapy for certain high-cost medications and requires

that a member first try a more cost-effective medication before another high-cost medication.

The UHC formulary drug list may change during the plan year.

Need additional generic drug facts?

PHARMACY BENEFITS

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GENERIC DRUGS – QUESTIONS AND ANSWERS

WHAT IS A GENERIC DRUG?

When the patent protection for a brand‑name drug expires, companies can manufacture drugs that contain the same active ingredient, identical in chemical structure, as the brand‑name drug. The generic drug has the same dosage, strength and quality as its brand‑name counterpart.

IF GENERIC DRUGS ARE LESS EXPENSIVE THAN THEIR BRAND‑NAME ALTERNATIVES, SHOULD I QUESTION THE GENERIC DRUG’S EFFECTIVENESS OR QUALITY?

No. Generic drugs have the exact same pharmacological effects as their brand‑name alternative and they must be approved by the FDA as both safe and effective.

WHAT SHOULD I DO IF MY DOCTOR PRESCRIBES A BRAND‑NAME DRUG?

You can always ask your doctor or pharmacist if there is a generic alternative or a generic equivalent (a drug in the same therapeutic class that has a generic) available.

HOW DO I KNOW IF THERE IS A GENERIC OR GENERIC EQUIVALENT FOR MY BRAND‑NAME DRUG?

You can find generic equivalents online on the FDA’s website: http://www.fda.gov. Simply search “Drugs@FDA.”

Source: www.fda.gov

UHC MAIL ORDER PRESCRIPTION BENEFITSAnother way to increase your health plan value is the management of your monthly and ongoing medications, like those for high blood pressure or diabetes. Do your research and check to see if mail ordering your prescriptions can work for you and save you money. If you have any questions about the program or need to obtain a Mail Order Prescription Drug Program Claim Form, you may access the website at www.myuhc.com or call the Customer Service Helpline at the telephone number shown in this Benefit Booklet or on your identification card. There are many reasons to take advantage of the Mail Order program. Typically the program will save you both time and money. In the PPO, you will receive 3 months of medication for 2 months worth of copays, and it will be delivered right to your door!

A NOTE ABOUT SPECIALTY MEDICATIONS [BRIOVA]BriovaRx, the OptumRx Specialty Pharmacy, is our specialty pharmacy services company dedicated to delivering high‑quality, cost‑effective specialty pharmacy care. You must use BriovaRx for specialty medications. Specialty medications include injectable, infused, oral or inhaled medications requiring ongoing clinical oversight, and medications that require unique shipping needs and/or may not be available at retail pharmacies. Briova provides additional resources and assistance to members. For more information, visit www.uhcspecialtyrx.com online or call the toll‑free member phone number on the back of your medical ID card.

PREVENTIVE DRUGSPreventive care benefits are an essential part of a comprehensive health care plan, including preventive medications. Preventive medications play an important role in preventing disease or other adverse health events like heart disease, strokes, and blood clots. Nationstar is committed to providing access to preventive care in the HSP and is covering specific preventive medications at 100% without a deductible in the HSP.Some examples of preventive medications include anti‑coagulants, anti‑platelets, cholesterol lowering agents, osteoporosis therapy, and many others. Please visit www.myuhc.com for a complete list.

GENERIC DRUGSOne way to get more value from your health care plan is to use generic drugs when they are available, which lowers the cost of your personal health needs.

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Take charge of your health care spending with a Health Savings Account (HSA). The contributions are tax advantaged—deposit, withdraw and earn interest on a federal tax‑free basis. Use it to pay for eligible medical expenses when you are enrolled in Nationstar’s Health Savings Plan (HSP).Your HSA can be used for qualified expenses, including those of your spouse and/or dependent(s), even if they are not covered by your Plan.Optum Bank will issue you a debit card, giving you direct access to your account balance. When you have a qualified medical expense, you can use your debit card to pay. You must have a balance to use your debit card. There are no receipts to submit for reimbursement.Eligible expenses include doctors’ office visits, eye exams, prescription expenses and laser eye surgery. IRS Publication 502 provides a complete list of eligible expenses. Visit www.irs.gov for details.Please note: your HSA cannot be used for expenses incurred by your Domestic Partner and in some cases, your domestic partner’s child(ren). Please consult your tax advisor for further details.

ELIGIBILITYYou are eligible to open and fund an HSA if:

• You are covered by an HSA‑eligible Consumer‑Driven Health Plan (CDHP), such as Nationstar Health Savings Plan (HSP).

• You are not covered by your spouse’s/domestic partner’s health plan, Health Care Flexible Spending Account or Health Reimbursement Account.

• You are not eligible to be claimed as a dependent on someone else’s tax return (spouses filing jointly are allowed).

• You are not enrolled in Medicare or TRICARE for Life. This includes Medicare Part A, which automatically begins when Social Security begins unless you actively decline it.

• You have not received Department of Veterans Affairs Benefits.

INDIVIDUALLY OWNED ACCOUNTYou own and decide how to use your Health Savings Account. You determine how much you will contribute to your account, when to use the money to pay for qualified medical expenses and when to reimburse yourself. HSAs allow you to save and “roll over” money if you do not spend it in the calendar year. The money in this account is always yours, even if you change health plans or jobs. There are no vesting requirements or forfeiture provisions.

HEALTH SAVINGS ACCOUNT (HSA)

You can use HSA money to pay for eligible medical expenses now or in the future. Health Savings Accounts offer more flexibility for savings than a Healthcare Flexible Spending Account.

HEALTH SAVINGS ACCOUNT

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HOW TO ENROLLYou do not have to make personal contributions in order to receive Nationstar Mortgage’s Employer Contributions; however, if you wish to receive these employer contributions, you must elect to participate in the HSP and HSA plan during the enrollment process within Workday. By electing to participate in the HSA Plan, you are authorizing Nationstar Mortgage to open and make contributions to an account in your name with Optum Bank.If you would also like to make personal, tax‑free contributions to the HSA, you will need to elect the annual amount you wish to contribute on a pre‑tax basis. Watch the MailAfter you elect to participate in the HSP/HSA, your Health Savings Account (HSA) will be set up at Optum Bank. The following items will be sent to you in separate mailings for your privacy and security:

• Welcome kit from Optum Bank with your account number

• Health Savings Account Debit MasterCard®

NATIONSTAR EMPLOYER HSA CONTRIBUTIONS

NATIONSTAR MORTGAGE HSA CONTRIBUTIONS

COVERAGEHSA ANNUAL

TOTAL CONTRIBUTION

AVAILABLE UPON

ENROLLMENT

REMAINDER DIVIDED PER PAY PERIOD

EMPLOYEE ONLY up to $500 $140 $15/PP up to

$360 Max

FAMILY up to $1,000 $280 $30/PP up to $720 Max

As noted in the chart above, Nationstar Mortgage will make an initial contribution upon enrollment into the HSA Plan based on the corresponding HSP Medical plan tier level. Nationstar Mortgage will continue to make per pay period contributions each pay period based on your HSP Medical Plan tier level and continued enrollment in the HSP Medical Plan.

The HSA for the HSP will be established at Optum Bank. You may be able to roll over funds from another HSA. For more enrollment information, contact Optum Bank at 866‑234‑8913 or visit www.optumbank.com.

MAXIMIZE YOUR TAX SAVINGS• Contributions to an HSA are tax‑free* (they can be

made through payroll deduction on a pre‑tax basis).• The money in this account (including interest and

investment earnings) grows tax‑free.*• As long as the funds are used to pay for qualified

medical expenses, they are spent tax‑free.* * Note: State taxes may apply in some instances.

HSA FUNDING AND LIMITSEach year, the IRS places a limit on the maximum amount that can be contributed to HSAs. The 2017 IRS maximum contributions (including employer contributions) for these accounts are:

ANNUAL CONTRIBUTION LIMITS

COVERAGE MAXIMUM INCLUDING NATIONSTAR MORTGAGE CONTRIBUTION

EMPLOYEE ONLY $3,400

FAMILY $6,750

AGE 55+ (CATCH‑UP) Additional $1,000

If you are age 55 or older, you can make an additional “catch‑up” contribution of up to $1,000. You may be able to roll over funds from another HSA.

Funds in your HSA will roll over from year to year, allowing you to save money for future Medical expenses.

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HEALTH SAVINGS ACCOUNT (HSA) COMMON QUESTIONS

ENROLL FOR 2017 Yes, if you want to contribute you must elect your annual contribution amount.

CAN I CONTRIBUTE? Yes, up to IRS limits less Nationstar’s contributions

DOES NATIONSTAR CONTRIBUTE?

Yes. Maximum annual contribution:

Employee only: $500

Employee+family: $1,000

ARE CONTRIBUTIONS PRE‑TAX? Your contributions are pre-tax; Nationstar’s contributions do not affect your payroll tax deductions

IRS CONTRIBUTION LIMITS? $3,400 employee only, $6,750 family (includes company contributions) + $1,000 if age 55 or older in 2017

USED FOR? Eligible medical, prescription drug, dental, and vision expenses.

WHEN CAN I USE FUNDS? Only your current account balance is available for use to pay for eligible expenses.

ROLLS OVER? Yes. If you do not use your HSA monies, your balance rolls over each year and you can take it with you if you leave or retire from Nationstar.

DEADLINE TO REQUEST REIMBURSEMENT? Expenses must be incurred and paid during the time you have an active HSA. No annual deadlines to submit expenses!

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In more ways than one, your smile is a sign of your overall well‑being. Take care of your teeth and you take care of the rest of your body.

DENTAL PLAN SUMMARYNationstar offers the choice of two dental plans. You can choose between the High PPO and either the Base PPO or Dental HMO Managed Plan (DHMO) (depending on the state you reside in). All plans are administered by MetLife and provide benefits for services from participating providers.

NETWORK DENTISTSFor the High and Base PPO Plans, using a network dentist lowers your out‑of‑pocket costs. This is because the network dentists have agreed to charge lower fees, and your plan’s in‑network services cover a larger share of the charges. If you choose the High or Base Plan and use a dentist who doesn’t participate in the network, your out‑of‑pocket costs will be higher and you are subject to any charges beyond Reasonable and Customary (R&C). For the DHMO Plan, there is a restricted network; you will need to select a network provider based on your zip code and provide the Facility ID when you enroll in Workday. Note: For the DHMO, until a provider is selected and set up, you will not have access to dental services and this may cause a delay of services up to two months. To find a MetLife participating dentist visit www.metlife.com/dental, enter a zip code and pick a network.Networks:Base and High Dental Plan: PDPDHMO Plan: MET290

For employees currently enrolled in the NSM High PPO Dental plan changing to the DHMO Plan with dependents engaged in Ortho treatment under the plan, you must complete a

MetLife Continuing Orthodontic Form within 60 days of the change and MetLife will continue payment of the remaining balance owed, up to a maximum of $1,500.

DENTAL BENEFITSBrush up on dental care.

Routine preventive care such as regular dental checkups can help lower your risk of stroke and heart disease

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2017 DENTAL PREMIUMSPremium contributions for dental will be deducted from your paycheck on a pre‑tax basis*. Your tier of coverage will determine your semi‑monthly premiums.

METLIFE DENTAL PLANCOVERAGE LEVELS

HIGH PPO BASE PPO DHMOEMPLOYEE ONLY $11.39 $4.75 $4.73

EMPLOYEE + SPOUSE/DOMESTIC PARTNER $19.10 $9.50 $8.89

EMPLOYEE + CHILD(REN) $19.10 $9.97 $9.37

EMPLOYEE + FAMILY $28.54 $16.62 $14.27

* The premiums you pay for medical, dental and/or vision coverage for the domestic partner and his or her children will be made on an after-tax basis. (Your contributions for your own coverage will continue to be made on a pre-tax basis.)

DENTAL PLAN COMPARISON

HIGH PPO BASE PPO DHMOIN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK IN-NETWORK

CALENDAR YEAR DEDUCTIBLE

INDIVIDUAL $75 $100 $50 $50 None

FAMILY $225 $300 $150 $150 None

CALENDAR YEAR MAXIMUM

PER PERSON $2,000 $2,000 $1,000 $1,000 None

COVERED SERVICES (PLAN PAYS)

OFFICE VISIT COPAY $0 $0 $0 $0 $5

PREVENTIVE SERVICESOral Exams and Cleanings, X‑rays:

Full Mouth (1 every 3 years)and Bitewing (1 set per calendar year),

Fluoride Application (2 per calendar year; limited to dependent children

under 19 years old) and Space Maintainers (limited to non‑orthodontic treatment)

100% 100% R&C** 100% 20% R&C** 100%

BASIC SERVICESFull Mouth X‑rays, Fillings,

Oral Surgery, Simple Extractions80%* 80%* R&C** 70%* 20%* R&C**

Copay ranging from $0 to $990,

depending on the service

MAJOR SERVICESCrowns, Dentures, Bridges 50%* 50%* R&C** 20%* 20%* R&C**

Copay ranging from $0 to $990,

depending on the service

IMPLANTS 50%* 50%* R&C** Not Covered Not Covered $770 to $2,380

ORTHODONTICSPPO Only: Applies to dependent

children under 19 years old50%* 50%* R&C** 50%* 50%* R&C**

Child: $2,095 copay

Adult: $2,095 copay

Orthodontia Services Lifetime Maximum $1,500 $1,500 $1,000 $750 None

*After deductible

** All PPO Out-of-Network services are subject to Reasonable and Customary (R&C) limitations.

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Eye health is an indicator of overall health. Regular eye exams can detect diseases like glaucoma, diabetes and blindness. Vision benefits provide access to quality vision care. To ensure that you and your family get the care you need, Nationstar Mortgage offers a comprehensive vision benefit provided by VSP.

2017 VISION PREMIUMSVision benefits are available to you on an optional basis through VSP. Premium contributions for vision will be deducted from your paycheck on a pre‑tax basis*. Your level of coverage will determine your semi‑monthly premiums.

GOLD PLAN SILVER PLAN

COVERAGE LEVELS

EMPLOYEE ONLY $6.91 $4.87

EMPLOYEE + SPOUSE/DOMESTIC PARTNER* $11.04 $7.79

EMPLOYEE + CHILD(REN) $11.27 $7.95

EMPLOYEE + FAMILY* $18.17 $12.82

* The premiums you pay for medical, dental and/or vision coverage for the domestic partner and his or her children will be made on an after-tax basis. (Your contributions for

your own coverage will continue to be made on a pre-tax basis.)

VISION BENEFITSKeep your sights on healthy vision.

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VISION PLAN SUMMARYThe chart below gives a summary of the 2017 vision coverage provided by VSP. All out‑of‑network services are subject to Reasonable and Customary (R&C) limitations.In‑network copayments are paid directly to the provider. Out‑of‑network copayments will be deducted from the out‑of‑network reimbursement.

GOLD PLAN SILVER PLANIN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK

COPAYS

EXAMINATION $10 Up to $45 $10 Up to $45

MATERIALS (LENSES AND FRAMES) $25 See allowed

amount below $25 See allowed amount below

BENEFIT FREQUENCY

EXAMINATION Once per Calendar Year Once per Calendar Year

LENSES Once per Calendar Year Once per Calendar Year

FRAMES Once per Calendar Year Once per 2 Calendar Years

CONTACTS (IN LIEU OF LENSES AND FRAMES) Once per Calendar Year Once per Calendar Year

COVERED MATERIALS

LENSES (PLAN PAYS)

SINGLE VISION LENSES 100% Up to $30 100% Up to $30

BIFOCAL LENSES 100% Up to $50 100% Up to $50

TRIFOCAL LENSES 100% Up to $65 100% Up to $65

FRAMES

RETAIL FRAME ALLOWANCE $170 Up to $70 $130 Up to $70

CONTACT LENSES

NECESSARY 100% $210 100% $210

ELECTIVE $210 $105 $210 $105

You don’t have to enroll in a medical plan to have vision coverage. You can select vision only.

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HEALTH CARE FLEXIBLE SPENDING ACCOUNTFor employees who do not enroll in the HSP Medical Plan, the Health Care Flexible Spending Plan allows you to set aside up to $2,550 in pre‑tax payroll deductions to pay for out‑of‑pocket health care expenses such as deductibles, copays, coinsurance, some over‑the‑counter medications, dental expenses, vision expenses, laser eye surgery and more.Please note: Over‑the‑counter (OTC) drugs are not eligible for reimbursement through an FSA without a doctor’s prescription.

LIMITED PURPOSE FLEXIBLE SPENDING ACCOUNTIf you are enrolled in the HSP Medical Plan, the Limited Purpose Flexible Spending Account allows you to set aside up to $2,550 in pre‑tax payroll deductions to pay for eligible out‑of‑pocket dental and vision expenses that are not covered by other insurance.*Please note: Due to IRS Regulations, Medical and Prescription out‑of‑pocket costs are not eligible for reimbursement under the Limited Purpose FSA Plan; but are eligible to be reimbursed under the HSA Plan, as outlined on pages 16 and 17 of this guide.

FLEXIBLE SPENDING ACCOUNT REIMBURSEMENT• Automatic payment: Since FSA and medical coverage are both offered by UHC,

there is an automated option where if a service is covered by your Nationstar medical plan, UHC can automatically pay the bill (claim) from your UHC FSA.

• Online claim form: Submit claim online for reimbursement of services you’ve already paid.

• Direct deposit: Reimbursement directly into your personal bank account.• Debit Card: Pay at time of service by phone, online or at locations that accept

MasterCard.

NOTE: Should you attempt to use the card at an ineligible location, the swipe transaction will be denied. You may be required to submit receipts to confirm eligible expenses. Failure to provide proof that an expense was valid can result in your card being turned off and your expense being deemed taxable.

FLEXIBLE SPENDING ACCOUNTS (FSAS)

Remember to keep your receipts They may be needed to validate expenses reimbursed or paid through your FSA.

FLEXIBLE SPENDING ACCOUNTS

Learn more about FSA limits and rollovers.

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DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (DAY CARE EXPENSES)You may opt to participate in the Dependent Care FSA as well— whether or not you elect any other benefits. The Dependent Care FSA sets aside pre‑tax funds to help pay for expenses associated with caring for elder or child dependents. Unlike the Health Care FSA, reimbursement from your Dependent Care FSA is limited to the total amount that is deposited in your account at that time.

• With the Dependent Care FSA you are allowed to set aside up to $5,000 (per household) to pay for child or elder care expenses on a pre‑tax basis.

• Eligible dependents include children under the age of 13 and dependents of any age who are incapable of caring for themselves and who spend at least eight hours per day in your home; they must also be claimed as dependents on your federal income tax return to qualify.

• Dependent care expenses are reimbursable as long as the provider is not anyone considered your dependent for income tax purposes.

• In order to be reimbursed, you must provide the tax identification number or Social Security number of the party providing care.

ELIGIBLE DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT EXPENSESThis account covers dependent day care expenses that are necessary for you and your spouse to work or attend school full time. Examples of eligible dependent care expenses include:

• In‑home babysitting services (not by an individual you claim as a dependent)

• Care of a preschool child by a licensed nursery or day care provider

• Before‑ and after‑school care• Day camp• In‑house dependent day care

Due to federal regulations, expenses for your domestic partner and/or your domestic partner’s children may not be reimbursed under the FSA programs.

2016 New HiresEmployees who are hired and enroll in benefits effective October, November or December, 2016 will

need to complete an FSA election for 2016 and 2017.

FLEXIBLE SPENDING ACCOUNT SCENARIOJohn Smith, age 40, unmarried with 2 children

BIWEEKLY SALARY

Medical Event Expense to John

CHILD REQUIRES BRACES $2,150.00

CHILD WEARS CONTACT LENSES $350.00

Estimated annual health care expense $2,500.00

Estimated bi-weekly health care expense $96.15

Without FSA With FSA

BI‑WEEKLY SALARY $1,346.00 $1,346.00

BI‑WEEKLY PRE‑TAX CONTRIBUTIONS $0.00 $96.15

TAXABLE INCOME $1,346.00 $1,249.85

FEDERAL INCOME TAX $479.84 $445.62

TAKE‑HOME PAY $866.16 $804.23

AFTER‑TAX EXPENSES $96.15 $0.00

NET TAKE‑HOME PAY $770.01 $804.23

INCREASE IN WEEKLY INCOME $0.00 $34.22

INCREASE IN ANNUAL SPENDABLE INCOME* $0.00 $889.72

*This is a rough estimate only, since these examples does not use actual multi-level tax structure.

Your savings may be higher or lower than indicated.

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GENERAL RULES AND RESTRICTIONSIn exchange for the tax advantages that FSAs offer, the IRS has imposed the following rules and restrictions for both Health Care and Dependent Day Care FSAs:

• Your expenses must be incurred during the plan year (January 1 – December 31, 2017).• Your dollars cannot be transferred from one FSA to another.• You cannot participate in Dependent Day Care FSA and claim a tax deduction at the same time.• You must “use it or lose it”—any unused funds will be forfeited.• You cannot change FSA election in the middle of the plan year unless you have a qualifying life event such as a

marriage, divorce or birth of a child.

HEALTH CARE FSA LIMITED PURPOSE FSA DEPENDENT CARE FSA

ENROLL FOR 2017 Yes, you must enroll to participate in 2017.

Yes, you must enroll to participate in 2017.

Yes, you must enroll to participate in 2017.

CAN I CONTRIBUTE? Not if enrolled in HSP Medical Plan Only if enrolled in HSP Plan Yes, up to IRS limits

DOES NATIONSTAR CONTRIBUTE? No No No

ARE CONTRIBUTIONS PRE‑TAX? Yes Yes Yes

IRS CONTRIBUTION LIMITS? $2,550 per year $2,550 per year$5,000 per year ($2,500 if married and filing separate

income tax returns

USED FOR? Eligible medical, prescriptions, dental, and vision expenses.

Eligible Dental and Vision expenses ONLY.

Day care expenses for eligible dependents who live with you and depend on you for more

than half of their support.

WHEN CAN I USE FUNDS?Your total elected contributions

for the year are available for use at any time to pay for

eligible expenses.

Your total elected contributions for the year are available for

use at any time to pay for eligible expenses.

After you have made a contribution – only your current

account balance is available.

ROLLOVERS?

No, you may only be reimbursed for health expenses incurred from January 1, 2017

through December 31, 2017.

No, you may only be reimbursed for dental or

vision expenses incurred from January 1, 2017 through

December 31, 2017.

No, you may only be reimbursed for dependent day care expenses incurred

from January 1, 2017 through December 31, 2017.

DEADLINE TO REQUEST REIMBURSEMENT?

Submit 2017 expenses for reimbursement by

March 31, 2018. You will forfeit any unused funds.

Submit 2017 expenses for reimbursement by

March 31, 2018. You will forfeit any unused funds.

Submit 2017 expenses for reimbursement by

March 31, 2018. You will forfeit any unused funds.

COMMUTER EXPENSE REIMBURSEMENT ACCOUNTEach paycheck, you set aside pre‑tax pay to use for your eligible commuting and parking expenses. Use the account to pay for the following services:

• Public transit services such as bus, light rail, regional rail, streetcar, trolley, subway or ferry

• Vanpool• Parking at or near work• Parking at or near public transportation for

your commuteNote: Nationstar will contribute up to $30 per month toward eligible commuter expenses.

The Internal Revenue Service (IRS) puts a limit on how much you can set aside each month, before taxes:

• $255 per month for parking expenses• $255 per month for public transportation expenses

Please note: The amounts above are month‑to‑month. If you order more than the monthly pre‑tax limits, the additional amount will be taken from your paycheck after taxes.

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Discussing what might happen to your family if you were not around to provide for them isn’t always the easiest conversation, but it is necessary. Survivor benefits provide financial assistance in an absence and can help you plan for the unexpected. If you have Life insurance now, chances are you can take comfort in knowing those who depend on you will be provided for in your absence.

BASIC LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCELife and Accidental Death and Dismemberment (AD&D) benefits are essential to the financial security of you and your family. As such, it is important to understand how your plan works and what benefits you will receive.Basic Life and AD&D benefits are provided to you as a part of your company paid coverage. Nationstar Mortgage provides you with Basic Life and AD&D insurance through Unum, which guarantees that loved ones, such as a spouse or other designated survivors, continue to receive part of an employee’s benefits after a death.Your Basic Life insurance benefit is 2x annual salary, with a minimum of $60,000 up to a maximum of $500,000. If you are a regular, full‑time employee, you automatically receive Basic Life insurance even if you elect to waive other coverages.

Need help choosing the right life insurance plan?

SURVIVOR BENEFITS

In general, the amount of Life insurance you purchase should cover living, personal and household expenses for your family for at least a year.

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Optional Life, Optional Dependent Life and Optional AD&D InsuranceEligible employees may purchase Optional Life and AD&D for themselves and their family members. Premiums are paid through post‑tax payroll deductions.

• Eligible employees may purchase Optional Life insurance for themselves in increments of $25,000 up to a maximum of $1,000,000.*

• You must purchase Optional Life insurance for yourself in order to purchase Optional Life insurance for your spouse and/or child(ren).*

• Employees may elect Optional AD&D insurance in increments of $10,000 up to $50,000. Thereafter, employees may elect an amount of insurance in increments of $50,000. The maximum amount that may be elected is $300,000.

• Employees may purchase up to $125,000 for your spouse*.* Subject to certain Guarantee Issue limits

TO CALCULATE HOW MUCH YOUR OPTIONAL LIFE COVERAGE WILL COST:

$ ÷ 1,000 = $ x Age Based Rate = $ ÷ 2 = $

Benefit Elected Semi-monthly Premium

OPTIONAL EMPLOYEE AND OPTIONAL SPOUSE LIFE INSURANCE

RATES / $1,000 (MONTHLY)

AGE (AS OF JANUARY 1, 2017) EMPLOYEE & SPOUSE

Under 25 $0.0325 – 29 $0.0430 – 34 $0 0535 – 39 $0.0640 – 44 $0.0745 – 49 $0.0850 – 54 $0.1355 – 59 $0.2460 – 64 $0.3765 – 69 $0.70

70+ $1.14

OPTIONAL CHILD LIFE INSURANCE

AMOUNT PREMIUM RATE (MONTHLY)

$2,500 $0.37$5,000 $0.74$7,500 $1.11

$10,000 $1.48$12,500 $1.85

OPTIONAL AD&D INSURANCE

PREMIUM RATES / $1,000

Employee Only $0.025 (Monthly)

Employee and Family $0.039 (Monthly)

New Hires can elect coverage when first eligible and can increase coverage by one level of $25,000 at Open Enrollment up to the guarantee issue amount without having to provide proof of good health.

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BASIC LIFE/AD&D

COVERAGE AMOUNT 2x your annual salary, minimum $60,000 up to $500,000 maximum

WHO PAYS Basic Life and AD&D benefits are provided to you as a part of your basic coverage

BENEFITS ARE PAYABLE If you die, lose a limb or suffer paralysis in an accident

MAXIMUM BENEFIT Not to exceed $500,000

EVIDENCE OF INSURABILITY (EOI) IS REQUIRED N/A

OPTIONAL LIFE/AD&D

COVERAGE AMOUNTOptional Life – Increments of $25,000 up to $1,000,000

Optional AD&D – Increments of $10,000 up to $50,000; increments of $50,000 up to $300,000.

WHO PAYS You pay full cost

BENEFITS ARE PAYABLE If you die, lose a limb or suffer paralysis in an accident while covered under the plan. This benefit is in addition to your Basic Life benefit

MAXIMUM BENEFITOptional Life – Not to exceed $1,000,000Optional AD&D - Maximum amount is the lesser of 10x annual earnings or $300,000.

EVIDENCE OF INSURABILITY (EOI) IS REQUIRED

• At open enrollment or at time of qualifying event - employees who request an increase in the amount of Optional Life in excess of one level or in excess of the Guaranteed Issue amount.

• Late entrants to the plan: any amount of Optional Life coverage requested requires EOI.• At time of qualifying event – employees who request any increase in the amount of

Optional Life

GUARANTEED ISSUE AMOUNT $350,000

OPTIONAL DEPENDENT LIFE/AD&D

COVERAGE AMOUNT:

Spouse Life – Increments of $25,000 up to $125,000

Child Life – Increments of $2,500 for each child 6 months to under age 26 - children under

6 months: $1,000

Optional AD&D: Spouse and Child(ren)

Option A: spouse – 60% of employee AD&D coverage to max of $180K, child – no coverage

Option B: spouse – 50% of employee AD&D coverage to max of $150K, child – 10% of employee AD&D coverage to max of $30K

Option C: spouse – no coverage, child – 15% of employee AD&D coverage to max of $45K

WHO PAYS You pay full cost

BENEFITS ARE PAYABLE If your dependent dies, loses a limb or suffers paralysis in an accident while covered under the plan

MAXIMUM BENEFITSpouse life — 50% of employee Optional Life amount up to $125,000

Child life — 50% of employee Optional life amount up to $12,500

EVIDENCE OF INSURABILITY (EOI) IS REQUIRED

Any amount of Spouse Life insurance may be subject to the Evidence of Insurability requirements. Evidence of Insurability, satisfactory to Unum, will be required for any of the following reasons:

• At time of initial eligibility — employees requesting spouse coverage amounts in excess of the Guaranteed Issue amount

• Late entrants to the plan: any amount of Optional Spouse Life coverage requested requires EOI

• At open enrollment — employees who request an increase in the amount of Spouse Life in excess of the Guaranteed Issue amount.

• At time of qualifying event — employees who request any increase in the amount of Optional Life

Evidence of Insurability is not required for dependent children

GUARANTEED ISSUE AMOUNT Spouse Life: $25,000

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BENEFICIARY DESIGNATIONA beneficiary is the person you designate to receive your Life insurance benefits in the event of your death. This includes any benefits payable under the Optional Life insurance plan available through Nationstar Mortgage. Benefits payable for a dependent’s death under the Optional Life insurance plan are payable to you.It is important that your beneficiary designation is clear so that there will be no question as to your intentions. It is also important that you name a primary and contingent beneficiary. When naming your beneficiary(ies) please indicate their full name, address, Social Security number, relationship, date of birth and distribution percentage. If you need assistance, contact the Nationstar Benefits Center or your own legal counsel.If you name more than one beneficiary with unequal shares, please show the amount of insurance to be paid to each beneficiary in percentages, or example: 33% to Pauline Smith, Mother, and 67% to Mary J. Doe, Wife.

PRIMARY CONTINGENT

Mary J. Doe, Wife (34%)

Jane Doe, Daughter (33%)

John Doe, Son (33%)

Joseph W. Doe, Son (50%)

Jane Doe, Daughter (50%)

OR

Estate of the Insured (100%)

HOW TO SUBMIT YOUR EVIDENCE OF INSURABILITY (EOI) APPLICATIONIt’s the quick and easy way to submit EOI, and it’s completely confidential. If your Optional Life elections require you to complete an EOI application, follow the steps below to submit it either online or through the mail. Once open enrollment has ended, you will receive an email invitation from Unum containing a link to access an online pre‑filled EOI application to submit electronically. This will be sent to your work email address as long as it’s updated in the system. If your work email address is not on file, a paper communication will be mailed to your home address. At that time, you have two options:

1. Complete the enclosed pre‑filled EOI application and mail or fax it to Unum.

2. Type the URL from the cover letter into your web browser and access the same online application process noted above. Be sure to finish your application within 60 days. If you have questions about your EOI application, you can reach Unum at 866‑220‑8460.

OR

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If you have to miss work due to a non‑work related injury or illness, you may be eligible for income replacement. After you satisfy the eligibility requirements, our disability programs cover a portion of your income until you can return to work, or until you reach retirement age.

SHORT TERM DISABILITY PROGRAM/POLICYOnce you have completed 6 months of employment with Nationstar, Short Term Disability (STD) benefits may be available. STD protects a portion of your income if you become totally disabled for a short period of time. You must be sick or disabled for at least five business days before you can receive your STD benefit payment. Payments may last up to 26 weeks. Certain exclusions may apply. Please refer to the Short Term Disability Policy for details or contact the Benefits Department.

YEARS OF SERVICE PERCENTAGE OF BASE PAY

PAYMENTS BEGIN AFTER MAXIMUM DURATION

6 months up to 1 year 60%

5 business days* 26 weeks1 year to 3 years 100% for 4 weeks,

then 60%

3 up to 5 years 100% for 12 weeks, then 60%

5 + years 100%

*The 5-day elimination period may be waived if hospitalized within 24 hours of last full day worked and the duration of the hospital stay is over 24 hours

LONG TERM DISABILITY INSURANCELong Term Disability (LTD) benefits are provided to you as a part of your basic coverage. Coverage becomes effective the first of the month following date of hire. LTD insurance protects a portion of your income if you become totally disabled for a long period of time. This insurance replaces 60% of your income, subject to certain limits based on your annualized eligible earnings. Eligible earnings are calculated 12 months prior to August 1st of 2016 for the 2017 enrollment.Your Benefits Election summary in Workday shows the monthly amount of LTD coverage in the “Calculated Coverage” column. This amount is referred to as the Benefit Annual Rate (BAR) and will not increase or decrease during the 2017 calendar year if you have a salary change.You must be sick or disabled for at least 180 days before you can receive an employer‑paid LTD insurance benefit payment. Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Certain exclusions may apply. Please refer to the Summary Plan Description or contact the Benefits Department for specific benefit details.

Want more disability Protection: AFLAC offers voluntary disability income protection.

INCOME PROTECTION

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It’s never too early – or too late – to start planning for your retirement. Making contributions to a 401(k) account is the first step toward achieving financial security later in life. We offer several options to help you make the most of your retirement and live a secure and happy life once your work years are behind you.

A 401(k) plan can be a powerful tool in promoting financial security in retirement. The Nationstar Mortgage 401(k) Retirement Plan helps eligible employees save and invest for retirement while receiving certain tax advantages. Nationstar Mortgage will match both pre‑tax deferral contributions and Roth post‑tax contributions. Nationstar Mortgage will match eligible contributions as follows:*100% of first 2% of eligible compensation*50% of next 4% of eligible compensation*The maximum company match is 4% if 6% or more is contributed.*Pre‑tax deferral contributions are matched first if you elect both Pre‑Tax and Roth 401(k) contributions.

ELIGIBILITY AND ENROLLMENTYou may participate in the plan after your date of hire and first paycheck. You must be at least 18 years of age to be eligible. If you do not make an initial election, you will be automatically enrolled to participate in the plan at a 3% pre‑tax deferral. This contribution will take effect approximately 30 days following your hire date and completion of your new hire requirements..

VESTINGVesting refers to your right to a contribution when you end employment. You’re always 100% vested in your own contributions. You become vested in the matching contributions as shown in the Vesting Schedule Chart.

CONTRIBUTING TO THE PLANAs noted before, you are automatically enrolled for a 3% pre‑tax deferral. You may elect to increase or decrease your contribution deferral election at any time following your first paycheck. Deferrals will be effective the first pay period following your election. Deferred contributions are based on a percentage of your eligible pay up to plan limits set by the IRS.You may contribute between 1% and 60% of your eligible pay on a pre‑tax basis, up to the annual IRS limit. The plan also has an automatic increase feature for individuals hired after 2012. The plan will increase your contribution deferral percentage by 1% each January first until you reach 6% of eligible pay. You may increase or decrease this annual automatic increase at any time. The IRS maximum contribution limit for 2017 is $18,000. You may defer up to 100% of eligible pay on an after‑tax basis. The Nationstar Company matching contributions will be made to your account on a per‑pay‑period basis, and are based on your deferral contribution election.

RETIREMENT PLANNING

What steps should you take to prepare for retirement?

VESTING SCHEDULE

YEARS OF SERVICE PERCENTAGE VESTED

< 2 years 0%

2+ years 100%

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Please note: After‑tax and catch‑up contributions are not eligible for matching contributions.

TWO GREAT WAYS TO SAVE PRE-TAX ROTH

Contributions Going In Tax-Free Taxable

Contributions Growing Tax-Free Tax-Free

Contributions Coming Out Taxable Tax-Free after 5 years in the account

Comments

Helps you save more by paying less in taxes now

Good option for savings for college expenses more than

5 years away

Discourages withdrawls so you meet your retirement goals

Good if you think your tax bracket will be higher

in retirement

CATCH-UP CONTRIBUTIONSIf you are or will be age 50 or older in the calendar year and contribute the maximum allowed to your account, you may also make “catch‑up contributions” to your account. The catch‑up contribution is intended to help you accelerate your progress toward your retirement goals. The IRS maximum catch‑up contribution limit for 2017 is $6,000. Contact Fidelity Investments for more details. Saving is simple — just increase your deferral election until the total amount you want to save is met, up to the $24,000 maximum.

CHANGING OR STOPPING YOUR CONTRIBUTIONSYou may change your deferral at any time by going to www.401k.com or by contacting Fidelity at 800‑835‑5097.

CONSOLIDATING YOUR RETIREMENT SAVINGSIf you have an existing qualified retirement plan with a prior employer, you may transfer or roll over that account into the plan anytime. To initiate a rollover into your plan, contact Fidelity Investment at 800‑835‑5097 for details.

INVESTING IN THE PLANYou decide how to invest the assets in your account. The Nationstar Mortgage 401(k) Retirement plan offers a selection of investment options for you to choose from. You may change your investment choices anytime. For more details refer to your 401(k) Enrollment Guide or visit www.401k.com.

Don’t forget to account for future health care costs when you are considering how much money you will need during retirement.

You can call Unum 24 hours a day, 365 days a year at 800-854-1446 to speak with a specially trained professional who is ready to help you.

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Nationstar Mortgage believes in a well‑rounded benefits package and provides options for additional benefits to help you manage your life and enhance well‑being.

EMPLOYEE ASSISTANCE PROGRAMNationstar Mortgage cares about you and your family’s total health management—mental, emotional and physical. For that reason, Nationstar Mortgage provides an Employee Assistance Program (EAP) at no cost to you or anyone living in your home.This service connects you with a variety of mental health and counseling services and resources. Whether you are interested in work/life resources, mental health assistance or legal and financial advice, the Unum EAP service can connect you and members of your household with a variety of professionals. With just one phone call, at any hour of the day or night, you can speak with helpful resources. The EAP benefit also includes three face‑to‑face visits per issue with a licensed professional. All services provided are confidential and will not be shared with Nationstar Mortgage. You may also access information, benefits, educational materials and more either by phone at 800‑854‑1446 or online at www.lifebalance.net; user ID and password: lifebalance.

• Stress, anxiety, depression• Marriage or family relationship problems• Substance abuse• Job pressures• Grief and loss • Financial or legal advice

ADDITIONAL BENEFITS

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AFLACA variety of optional benefits are available through Aflac. These are individual policies that pay the member directly and may provide additional protection in the event of an illness or injury. They are intended as a supplement to medical coverage to help defray out‑of‑pocket expenses, but are not intended to be a replacement for comprehensive medical coverage. Please review the online information carefully to avoid duplicating services. The program provides referrals to help with:

Cancer Care• Pays a benefit of $2,000 or more upon initial cancer diagnosis based on the options available.• Wellness Benefit of $40/$100 per year for cancer screenings to encourage early detection and prevention.• Plus, benefits are payable for hospital confinement, radiation, chemotherapy, experimental treatments, cancer

surgery, hospital confinement, lodging, and more.

Critical Care and Recovery Coverage• Pays benefit upon initial diagnosis of a primary specified health condition or event.• Benefits available for hospital confinement, continuing care, transportation, and lodging.• Benefit is paid to the employee directly to help defray out‑of‑pocket medical expenses. There are not any

deductibles, copayments, or network restrictions–you choose your own medical treatment provider. Note: this is not intended to replace comprehensive medical coverage.

Accident Insurance• Provides a level of benefits payable as protection against out‑of‑pocket expenses resulting from accidental

injuries. • Provides a range of benefits such as initial hospitalization, emergency treatment, transportation, lodging, and

wellness as well as a daily hospital confinement benefit that starts at $250 per day.

Hospital Benefit• Provides both an initial benefit payment directly to the employee in the event of hospitalization along with an

additional amount allowed per day for the period of confinement (up to 365 days).• Provides additional payments for care while in an intensive care unit.

Short Term Disability • This benefit is an individual policy and can help bridge the eligibility waiting period for new

hires until company offered disability coverage is effective. It may also be helpful for those with commission income.

• You may choose the schedule of benefits that’s right for you based on your financial needs and income.• Pays a cash benefit for each day you are disabled.*• Provides benefits for both Total and Partial Disability. Even if you’re able to work, Partial Disability Benefits

may be available to help compensate for lost income.*Subject to your benefit period and elimination period; note pre‑existing limitations may apply

The benefit amounts for these policies are determined by state, plan level, and type of coverage selected. Please refer to www.aflac.com/nationstarmtg for more details and contact information. Please review product brochures for details on benefits, limitations, and exclusions before applying for coverage.

Voluntary Short Term Disability offers a valuable option for new hires with less than 6 months of service and employees with commission income they wish to protect.

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Required NoticesImportant Notice from Nationstar Mortgage About Your Prescription Drug Coverage and Medicare under the United Healthcare PPO and HSP Plan(s)Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Nationstar Mortgage and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.

2. Nationstar Mortgage has determined that the prescription drug coverage offered by the United Healthcare PPO and HSP plan(s) is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

When Can You Join A Medicare Drug Plan?You can join a Medicare drug plan when you first become eligible for Medicare during a seven-month initial enrollment period. That period begins three months prior to your 65th birthday, includes the month you turn 65, and continues for the ensuing three months. You may also enroll each year from October 15th through December 7th.

However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?If you decide to join a Medicare drug plan, your current Nationstar Mortgage coverage will not be affected. For most persons covered under the Plan, the Plan will pay prescription drug benefits first, and Medicare will determine its payments second. For more information about this issue of what program pays first and what program pays second, see the Plan’s summary plan description or contact Medicare at the telephone number or web address listed herein.

If you do decide to join a Medicare drug plan and drop your current Nationstar Mortgage coverage, be aware that you and your dependents will not be able to get this coverage back.

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?You should also know that if you drop or lose your current coverage with Nationstar Mortgage and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.

If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.

For More Information about This Notice or Your Current Prescription Drug Coverage…Contact the person listed at the end of these notices for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Nationstar Mortgage changes. You also may request a copy of this notice at any time.

For More Information about Your Options under Medicare Prescription Drug Coverage…More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage:

» Visit www.medicare.gov » Call your State Health Insurance Assistance Program (see the inside

back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help

» Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048

If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Remember: Keep this Medicare Part D notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

Date: January 1, 2017

Name of Entity/Sender: Nationstar Mortgage

Contact—Position/Office: Human Resources

Address: 4000 Horizon Way, Suite 120 Irving, TX 75063

Phone Number: 469-426-3516

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Women’s Health and Cancer Rights Act The Women’s Health and Cancer Rights Act of 1998 was signed into law on October 21, 1998. The Act requires that all group health plans providing medical and surgical benefits with respect to a mastectomy must provide coverage for all of the following:

» Reconstruction of the breast on which a mastectomy has been performed

» Surgery and reconstruction of the other breast to produce a symmetrical appearance

» Prostheses » Treatment of physical complications of all stages of mastectomy,

including lymphedema

This coverage will be provided in consultation with the attending physician and the patient, and will be subject to the same annual deductibles and coinsurance provisions which apply for the mastectomy. For deductibles and coinsurance information applicable to the plan in which you enroll, please refer to the summary plan description or contact Human Resources at 469-426-3516.

HIPAA Privacy and Security The Health Insurance Portability and Accountability Act of 1996 deals with how an employer can enforce eligibility and enrollment for health care benefits, as well as ensuring that protected health information which identifies you is kept private. You have the right to inspect and copy protected health information that is maintained by and for the plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask your benefits administrator to amend the information. The Notice of Privacy Practices has been recently updated. For a full copy of the Notice of Privacy Practices, describing how protected health information about you may be used and disclosed and how you can get access to the information, contact Human Resources at 469-426-3516.

HIPAA Special Enrollment Rights If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards your or your dependents’ other coverage).

Loss of eligibility includes but is not limited to:

» Loss of eligibility for coverage as a result of ceasing to meet the plan’s eligibility requirements (i.e. legal separation, divorce, cessation of dependent status, death of an employee, termination of employment, reduction in the number of hours of employment);

» Loss of HMO coverage because the person no longer resides or works in the HMO service area and no other coverage option is available through the HMO plan sponsor;

» Elimination of the coverage option a person was enrolled in, and another option is not offered in its place;

» Failing to return from an FMLA leave of absence; and » Loss of coverage under Medicaid or the Children’s Health Insurance

Program (CHIP).

Unless the event giving rise to your special enrollment right is a loss of coverage under Medicaid or CHIP, you must request enrollment within 31 days after your or your dependent’s(s’) other coverage ends (or after the employer that sponsors that coverage stops contributing toward the coverage).

If the event giving rise to your special enrollment right is a loss of coverage under Medicaid or the CHIP, you may request enrollment under this plan within 60 days of the date you or your dependent(s) lose such coverage under Medicaid or CHIP. Similarly, if you or your dependent(s) become eligible for a state-granted premium subsidy towards this plan, you may request enrollment under this plan within 60 days after the date Medicaid or CHIP determine that you or the dependent(s) qualify for the subsidy.

In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 31 days after the marriage, birth, adoption, or placement for adoption.

To request special enrollment or obtain more information, contact Human Resources at 469-426-3516.

37

Notice Regarding Wellness ProgramThrough Viverae, Nationstar offers a voluntary wellness program available to all employees. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program you will be asked to complete a voluntary member health assessment or “MHA” that asks a series of questions about your health-related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You will also be asked to complete a biometric screening, which will include a blood test for conditions for which blood will be tested. You are not required to complete the MHA or to participate in the blood test or other medical examinations.

However, employees who choose to participate in the wellness program will receive an incentive of a medical premium credit. Although you are not required to complete the MHA or participate in the biometric screening, only employees who do so will receive medical premium credit.

Additional incentives may be available for employees who participate in certain health-related activities or achieve certain health outcomes. If you are unable to participate in any of the health-related activities or achieve any of the health outcomes required to earn an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting your Human Resources Business Partner.

The information from your MHA and the results from your biometric screening will be used to provide you with information to help you understand your current health and potential risks, and may also be used to offer you services through the wellness program, such as health coaching. You also are encouraged to share your results or concerns with your own doctor.

Protections from Disclosure of Medical InformationWe are required by law to maintain the privacy and security of your personally identifiable health information. Although the wellness program and Nationstar Mortgage may use aggregate information it collects to design a program based on identified health risks in the workplace, Viverae will never disclose any of your personal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.

Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality requirements. The only individual(s) who will receive your personally identifiable health information is Viverae in order to provide you with services under the wellness program.

In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.

You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness program, nor may you be subjected to retaliation if you choose not to participate.

If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact Human Resources.

Name of Entity/Sender: Nationstar Mortgage

Contact: Human Resources

Address: 4000 Horizon Way, Suite 120 Irving, TX 75063

Phone Number: 469-426-3516

Lockton BenefitLink

Username: Nationstar Password: Benefits

IMPORTANT CONTACTS

ACCESS YOUR BENEFITS!You can directly access Nationstar Mortgage’s benefits information with the Lockton BenefitLink Mobile App. You’ll be immediately connected to provider websites and phone numbers. You can even capture and store important information like ID cards, your group numbers, doctors’ names and more!

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LOCKTON BENEFITLINK MOBILE APP

COVERAGE CONTACT

NATIONSTAR BENEFITS CENTER

BENEFITS ENROLLMENT/QUESTIONS

Nationstar Mortgage Benefits Center 844-NSTAR-BEN 844-678-2723 nationstarbenefits@onesourcevirtual.com

WORKDAY (INCLUDES BENEFIT

ENROLLMENT)https://wd5.myworkday.com/nationstar/login.flex

MEDICAL COVERAGE AND PRESCRIPTION DRUGS

UHC 888-380-2410 www.myuhc.com Group #7098555

Optum Rx 855-505-8107 Bin 610279 RDPCN: 9999 Group: UHealth

DENTAL COVERAGEMetLife PPO 800-942-0854 www.metlife.com/dental Group #305821

MetLife DHMO 800-880-1800 www.metlife.com/dental Group #305821

VISION COVERAGEVSP 800-877-7195 www.vsp.com Group #30010194

FLEXIBLE SPENDING ACCOUNTS (FSA)

United Healthcare 866-755-2648 www.myuhc.com FSAs Group #903106

COMMUTER BENEFITS877-311-7849 wageworks.com/mycommute Group #34911

HEALTH SAVINGS ACCOUNT (HSA)

Optum Bank 866-234-8913 www.optumbank.com

BASIC LIFE AND AD&D INSURANCE,

OPTIONAL LIFE AND AD&D INSURANCE AND SHORT

AND LONG TERM DISABILITY

Unum 800-421-0344 (Life) 866-779-1054 (Disability) www.unum.com Group Numbers: Basic & Optional Life/AD&D Group #467631 Short Term Disability Group #467632 Long Term Disability Group #467633 New York Disability Group #467636 New Jersey Disability Group #467638

401(K) PLANFidelity Investment 800-835-5097 www.401k.com Group #37293

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Unum 800-854-1446 www.lifebalance.net User ID and password: lifebalance

AFLAC800-992-3522 (Existing Policies) 877-384-5984 (Enrollment) www.aflac.com/nationstarmtg

WELLNESS PROGRAMViverae 888-VIVERAE (888-848-3723) www.myviverae.com

ONESOURCE VIRTUAL COBRA SERVICES 866-634-9784

Enroll in Text Updates for the latest news on benefits.

Text mrcooper to 99000

Scan to print out Wallet card with important numbers