Velocity Financial adopts incentive compensation clawback policy per NYSE Rule 303A.14

Velocity Financial, Inc.

Policy effective December 1, 2023, applies to recoupment of erroneously awarded incentive compensation from current and former executive officers.
Covers the last three completed fiscal years preceding any required accounting restatement.
Committee may recover via cash reimbursement, equity forfeiture, compensation offset, or award cancellation.
Company prohibited from indemnifying executives against clawback recovery.
Policy is non-exclusive and supplements other clawback arrangements under law or agreements.

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