<SEC-DOCUMENT>0001193125-25-112820.txt : 20250505
<SEC-HEADER>0001193125-25-112820.hdr.sgml : 20250505
<ACCEPTANCE-DATETIME>20250505163006
ACCESSION NUMBER:		0001193125-25-112820
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20250430
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250505
DATE AS OF CHANGE:		20250505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RADIAN GROUP INC
		CENTRAL INDEX KEY:			0000890926
		STANDARD INDUSTRIAL CLASSIFICATION:	SURETY INSURANCE [6351]
		ORGANIZATION NAME:           	02 Finance
		EIN:				232691170
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11356
		FILM NUMBER:		25913441

	BUSINESS ADDRESS:	
		STREET 1:		550 EAST SWEDESFORD ROAD
		STREET 2:		SUITE 350
		CITY:			WAYNE
		STATE:			PA
		ZIP:			19087
		BUSINESS PHONE:		2155646600

	MAIL ADDRESS:	
		STREET 1:		550 EAST SWEDESFORD ROAD
		STREET 2:		SUITE 350
		CITY:			WAYNE
		STATE:			PA
		ZIP:			19087

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CMAC INVESTMENT CORP
		DATE OF NAME CHANGE:	19960126
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<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
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<td style="width:11%;vertical-align:top;text-align:left"><span style="font-weight:bold">Item&#8201;1.01.</span></td>
<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On April&#160;30, 2025, Radian Group Inc. (the &#8220;Company&#8221;) entered into a Guaranty (the &#8220;Parent Guaranty&#8221;) in favor of Everbank Bank, N.A. (&#8220;Everbank&#8221;) to guaranty the obligations of the Company&#8217;s subsidiary Radian Mortgage Capital LLC ( &#8220;RMC&#8221;) in connection with a $125&#160;million mortgage loan repurchase facility that RMC entered into with Everbank, as more fully described below (the &#8220;Mortgage Financing Facility&#8221;). The Company expects this Mortgage Financing Facility will be used to finance RMC&#8217;s acquisition of residential mortgage loans from correspondent lenders and held by RMC for direct sale to mortgage investors or distribution in the capital markets through securitization. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline">RMC&#8217;s obligations under the Master Repurchase Agreement </span></p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On April&#160;30, 2025, RMC entered into the Mortgage Financing Facility pursuant to a Master Repurchase Agreement (the &#8220;Master Repurchase Agreement&#8221;) among Everbank, RMC and the Company, pursuant to which RMC may from time to time sell to Everbank, and later repurchase, certain residential mortgage loan assets. The Master Repurchase Agreement will expire on April&#160;29, 2026, unless the agreement is extended or terminated earlier. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Mortgage Financing Facility is uncommitted, and Everbank is under no obligation to fund the purchase of any residential mortgage loan assets under this facility. In the event Everbank advances funds under the Mortgage Financing Facility, the amount of such advances generally will be calculated as a percentage of the unpaid principal balance or market value of the residential mortgage loan assets, which percentage will depend on the credit characteristics of the loans being purchased. The interest rate on any outstanding balance under the Master Repurchase Agreement that RMC would be required to pay to Everbank is customary for this type of transaction, and is equal to the sum of (1)&#160;a pricing spread and (2)&#160;SOFR for each business day the whole loan asset is held by Everbank until the day that the whole loan asset is repurchased by RMC. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Master Repurchase Agreement contains provisions that provide Everbank with certain rights in the event of a decline in the market value of the purchased residential mortgage loan assets. Under these provisions, Everbank may require RMC to transfer cash or additional eligible residential mortgage loan assets with an aggregate market value that is equal to the difference between the value of the residential mortgage loan assets then subject to the Master Repurchase Agreement and a minimum threshold amount. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, the Master Repurchase Agreement contains events of default (subject to certain materiality thresholds and grace periods), including payment defaults, breaches of covenants and/or certain representations and warranties, cross-defaults, insolvency and other events of default customary for this type of transaction. The remedies for such events of default are also customary for this type of transaction and include (in some cases after grace and cure periods) the acceleration of the amounts outstanding under the Master Repurchase Agreement and Everbank&#8217;s right to liquidate residential mortgage loan assets then subject to the Master Repurchase Agreement. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with this facility, RMC is also required to pay certain customary fees to Everbank to reimburse Everbank for certain costs and expenses incurred in connection with Everbank&#8217;s management and ongoing administration of the Master Repurchase Agreement and its review of the residential mortgage loan assets subject to the Master Repurchase Agreement. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline">The Company&#8217;s obligations under the Parent Guaranty </span></p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The obligations of RMC under the Master Repurchase Agreement are fully guaranteed by the Company pursuant to the Parent Guaranty executed contemporaneously with the Master Repurchase Agreement. Pursuant to the Parent Guaranty, the Company is subject to negative and affirmative covenants customary for this type of financing transaction, including, among others, limitations on the incurrence of debt and restrictions on certain transactions with affiliates, payments and investments. The Parent Guaranty also contains various financial covenants with which the Company must comply, including covenants related to (a)&#160;the total adjusted capital of the Company&#8217;s primary mortgage insurance subsidiary, Radian Guaranty Inc., (b) the Company&#8217;s minimum consolidated net worth and (c)&#160;the Company&#8217;s maximum <span style="white-space:nowrap"><span style="white-space:nowrap">Debt-to-Total</span></span> Capitalization Ratio that are generally consistent with the comparable covenants in the Company&#8217;s previously disclosed revolving credit facility, dated as of December&#160;7, 2021, with Royal Bank of Canada, as Administrative Agent and certain other lenders. 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 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing summary is not a complete description of the Master Repurchase Agreement or the Parent Guaranty. The descriptions of these agreements are qualified in their entirety by reference to the full text of the agreements which are filed as exhibits to this Current Report on Form <span style="white-space:nowrap">8-K</span> and are incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Master Repurchase Agreement is attached hereto as Exhibit 10.1, and the Parent Guaranty is attached hereto as Exhibit 10.2. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Creation of a Direct Financial Obligation or an Obligation under an <span style="white-space:nowrap">Off-Balance</span> Sheet Arrangement of a Registrant. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information required by Item 2.03 contained in Item 1.01 of this Current Report on Form <span style="white-space:nowrap">8-K</span> is incorporated herein by reference. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Financial Statements and Exhibits. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) Exhibits </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:bottom;white-space:nowrap;text-align:center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Description</p></td></tr>


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<td style="vertical-align:top"><a href="d807140dex101.htm">Master Repurchase Agreement, dated April&#160;30, 2025, among Everbank Bank N.A., a national association (&#8220;Buyer&#8221;), Radian Group Inc., a Delaware corporation (&#8220;Guarantor&#8221;) and Radian Mortgage Capital LLC, a Delaware limited liability company </a></td></tr>
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<td style="vertical-align:top"><a href="d807140dex102.htm">Guaranty dated as of April&#160;30, 2025, made by Guarantor, in favor of Buyer </a></td></tr>
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<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
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 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURE </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:top" colspan="3">Date: May&#160;5, 2025</td>
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<td colspan="3" style="vertical-align:bottom;white-space:nowrap">RADIAN GROUP INC.</td></tr>
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<td style="vertical-align:bottom;white-space:nowrap">By:</td>
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<td style="vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Liane Browne</p></td></tr>
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<td style="vertical-align:bottom;white-space:nowrap">Name:</td>
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<td style="vertical-align:bottom;white-space:nowrap">Liane Browne</td></tr>
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<td style="vertical-align:bottom;white-space:nowrap">Title:</td>
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<td style="vertical-align:bottom;white-space:nowrap">Senior Vice President</td></tr>
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<TYPE>EX-10.1
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<FILENAME>d807140dex101.htm
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MASTER REPURCHASE AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Between: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EVERBANK, N.A., as
Buyer </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RADIAN
MORTGAGE CAPITAL LLC, as Seller </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of April&nbsp;30, 2025 </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Page</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>APPLICABILITY; INCORPORATION OF EVERBANK WAREHOUSE CUSTOMER GUIDE AND PRICING LETTER</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>DEFINITIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>INITIATION; TERMINATION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>MARGIN AMOUNT MAINTENANCE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>COLLECTIONS; INCOME PAYMENTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REQUIREMENTS OF LAW</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.</P></TD>
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<TD VALIGN="bottom" NOWRAP>TAXES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SECURITY INTEREST; BUYER&#146;S APPOINTMENT AS <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">ATTORNEY-IN-FACT</FONT></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>PAYMENT, TRANSFER; ACCOUNTS AND CUSTODY</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.</P></TD>
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<TD VALIGN="bottom" NOWRAP>DELIVERY OF DOCUMENTS</TD>
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<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
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<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REPRESENTATIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>COVENANTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>EVENTS OF DEFAULT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REMEDIES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;15.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>INDEMNIFICATION AND EXPENSES; RECOURSE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;16.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SERVICING</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;17.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>DUE DILIGENCE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;18.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>ASSIGNABILITY</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;19.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>TRANSFER AND MAINTENANCE OF REGISTER</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;20.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>HYPOTHECATION OR PLEDGE OF PURCHASED MORTGAGE LOANS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;21.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>TAX AND ACCOUNTING TREATMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="white-space:nowrap">SET-OFF</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>TERMINABILITY</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;24.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>NOTICES AND OTHER COMMUNICATIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- i - </P>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;25.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>USE OF THE EVERBANK WAREHOUSE ELECTRONIC SYSTEM AND OTHER ELECTRONIC MEDIA</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;26.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>ENTIRE AGREEMENT; SEVERABILITY; SINGLE AGREEMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;27.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>GOVERNING LAW</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;28.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SUBMISSION TO JURISDICTION; WAIVERS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;29.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>NO WAIVERS, ETC.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;30.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>CONFIDENTIALITY</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;31.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>INTENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;32.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>DISCLOSURE RELATING TO CERTAIN FEDERAL PROTECTIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;33.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>AUTHORIZATIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;34.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>ACKNOWLEDGEMENT OF ANTI-PREDATORY LENDING POLICIES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;35.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>MISCELLANEOUS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;36.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>GENERAL INTERPRETIVE PRINCIPLES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- ii - </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>SCHEDULES AND EXHIBITS </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD VALIGN="top">SCHEDULE&nbsp;1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Schedule of Representations and Warranties with Respect to the Mortgage Loans</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT A</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Servicer Notice</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT B</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Power of Attorney</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">EXHIBIT C</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Section&nbsp;7 Certificate</TD></TR>
</TABLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MASTER REPURCHASE AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This is a MASTER REPURCHASE AGREEMENT (this &#147;<U>Agreement</U>&#148;), dated as of April&nbsp;30, 2025, by and between RADIAN MORTGAGE
CAPITAL LLC, a Delaware limited liability company (&#147;<U>Seller</U>&#148;), and EVERBANK, N.A., a national association (&#147;<U>Buyer</U>&#148;). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION<U></U>&nbsp;1. APPLICABILITY; INCORPORATION OF EVERBANK WAREHOUSE CUSTOMER GUIDE AND PRICING LETTER </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">From time to time the parties hereto may enter into transactions in which Seller agrees to transfer to Buyer Eligible Mortgage Loans (as
hereinafter defined) on a servicing released basis against the transfer of funds by Buyer, with a simultaneous agreement by Buyer to transfer to Seller such Eligible Mortgage Loans on a servicing released basis at a date certain after the related
Purchase Date (as hereinafter defined), against the transfer of funds by Seller. Each such transaction shall be referred to herein as a &#147;<U>Transaction</U>&#148; and shall be governed by this Agreement (including any supplemental terms or
conditions contained in any annexes identified herein, as applicable hereunder), unless otherwise agreed in writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The EverBank
Warehouse Customer Guide is one of the Facility Documents as defined below. The EverBank Warehouse Customer Guide is incorporated by reference into this Agreement and Seller agrees to adhere to all terms, conditions and requirements of the EverBank
Warehouse Customer Guide, except for any <FONT STYLE="white-space:nowrap">non-compliance</FONT> that would not result in a Material Adverse Effect. Buyer may amend the EverBank Warehouse Customer Guide from time to time as provided in
Section&nbsp;35(e). In the event of a conflict or inconsistency between this Agreement and the EverBank Warehouse Customer Guide, the terms of this Agreement shall govern. Seller&#146;s execution and delivery of this Agreement constitutes
Seller&#146;s acknowledgment of receipt of the EverBank Warehouse Customer Guide and Seller&#146;s agreement to the terms and conditions set forth therein and herein with respect thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The Pricing Letter is one of the Facility Documents as defined below. The Pricing Letter is incorporated by reference into this Agreement and
Seller agrees to adhere to all terms, conditions and requirements of the Pricing Letter as incorporated herein. In the event of a conflict or inconsistency between this Agreement and the Pricing Letter, the terms of the Pricing Letter shall govern.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION<U></U>&nbsp;2. DEFINITIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Capitalized terms used but not defined herein shall have the respective meanings set forth in the Pricing Letter. As used herein, the following
terms shall have the following meanings (all terms defined in this Section&nbsp;2 or in other provisions of this Agreement in the singular to have the same meanings when used in the plural and vice versa): </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>1934 Act</U>&#148; shall have the meaning set forth in Section&nbsp;32 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Accepted Servicing Practices</U>&#148; shall mean, with respect to any Mortgage Loan, those mortgage servicing practices of prudent
mortgage lending institutions which service mortgage loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located. With respect to any Mortgage Loans serviced by Seller on behalf of an Agency,
&#147;<U>Accepted Servicing Practices</U>&#148; shall include, and must be in compliance with, such Agency&#146;s servicing guide, as the same may be amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Adjustable Rate Loan</U>&#148; shall mean a Mortgage Loan that provides for the adjustment of the Mortgage Interest Rate payable in
connection with such Mortgage Loan. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Affiliate</U>&#148; shall mean with respect to any Person, any
&#147;<U>affiliate</U>&#148; of such Person, as such term is defined in the Bankruptcy Code. For purposes of Section&nbsp;13(g) of this Agreement, Affiliate shall mean Seller, Guarantor and their respective subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Agency</U>&#148; shall mean Freddie Mac, Fannie Mae or Ginnie Mae, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Aging Limit</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Agreement</U>&#148; shall mean this Master Repurchase Agreement between Buyer and Seller, dated as of the date hereof, as the same
may be amended, supplemented or otherwise modified in accordance with the terms hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ALTA</U>&#148; shall mean the American
Land Title Association, or any successors thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Annual Financial Statement Date</U>&#148; shall have the meaning set forth in
the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Anti-Money Laundering Laws</U>&#148; shall have the meaning set forth in Section&nbsp;11(z) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Appraisal</U>&#148; shall mean an appraisal, a signed copy of which shall be in the possession of Seller or the Subservicer,
conducted by a licensed appraiser selected and deemed acceptable in accordance with Agency guidelines and who (i)&nbsp;is experienced in estimating the value of property of that same type in the community where it is located, and (ii)&nbsp;unless
approved by Buyer on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">case-by-case</FONT></FONT> basis, is not an owner, director, officer or employee of Seller or any of its Affiliates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Appraised Value</U>&#148; shall mean the value set forth in an Appraisal made in connection with the origination of the related
Mortgage Loan as the value of the Mortgaged Property. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Appropriate Federal Banking Agency</U>&#148; shall have the meaning
ascribed to it by Section&nbsp;1813(q) of Title 12 of the United States Code, as amended from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Approved
CPA</U>&#148; shall mean PricewaterhouseCoopers International Limited and any other certified public accountant approved by Buyer and Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Approved Flood Policy Insurer</U>&#148; shall mean any of the insurers approved by Buyer and Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Approved Hedging Manager</U>&#148; shall mean Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Approved Mortgage Product</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Approved Servicing Appraiser</U>&#148; shall mean any independent appraiser that is nationally known as expert in the evaluation of
Servicing Rights, and is <FONT STYLE="white-space:nowrap">pre-approved</FONT> in writing by Buyer and Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Asset
Value</U>&#148; shall mean with respect to each Purchased Mortgage Loan that is: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a) an Eligible Mortgage Loan, the applicable Purchase
Price Percentage for such Purchased Mortgage Loan multiplied by the least of (i)&nbsp;the Market Value of such Mortgage Loan and (ii)&nbsp;the outstanding principal balance of such Mortgage Loan; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b) not an Eligible Mortgage Loan, zero. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding and without limiting the generality of the foregoing, Seller
acknowledges that the Asset Value of a Purchased Mortgage Loan may be reduced to zero by Buyer, with prompt notice to Seller, if: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(i)
such Purchased Mortgage Loan ceases to be an Eligible Mortgage Loan; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(ii) the Purchased Mortgage Loan has been released from the
possession of Custodian for a period in excess of twenty (20)&nbsp;calendar days; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(iii) the Purchased Mortgage Loan has been released
from the possession of Custodian pursuant to a Bailee Letter for a period in excess of the Aging Limit; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(iv) the Purchased Mortgage Loan
is a Wet Mortgage Loan for which the related Mortgage File has not been received by Custodian by the Wet Delivery Deadline for such Purchased Mortgage Loan; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(v) [reserved]; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(vi) such
Purchased Mortgage Loan is or becomes a Defective Mortgage Loan or a Delinquent Mortgage Loan; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(vii) such Purchased Mortgage Loan has
been subject to a Transaction hereunder for a period of greater than the applicable Transaction Term Limitation; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(viii) [reserved]; or
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(ix) such Purchased Mortgage Loan contains a breach of a representation or warranty made by Seller in this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The aggregate Asset Value of Mortgage Loans included in any Concentration Category shall not exceed the Concentration Limit applicable to such
Concentration Category. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Assignment and Acceptance</U>&#148; shall have the meaning set forth in Section&nbsp;18 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Assignment of Mortgage</U>&#148; shall mean an assignment of the Mortgage, notice of transfer or equivalent instrument in recordable
form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect the sale of the Mortgage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Assignment of Proprietary Lease</U>&#148; shall mean the specific agreement creating a first Lien on and pledge of the <FONT
STYLE="white-space:nowrap">Co-op</FONT> Shares and appurtenant Proprietary Lease securing a <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Available Investments</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Bailee Letter</U>&#148; shall have the meaning assigned to such term in the Custodial Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Bankruptcy Code</U>&#148; shall mean the United States Bankruptcy Code of 1978, as amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Business Day</U>&#148; shall mean a day other than (i)&nbsp;a Saturday or Sunday, (ii)&nbsp;any day on which banking institutions are
authorized or required by law, executive order or governmental decree to be closed in the State of New York, the State of Colorado or the State of Florida, or (iii)&nbsp;any day on which the Federal Reserve is closed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Buyer</U>&#148; shall mean EVERBANK, N.A., its successors in interest and assigns
and, with respect to Section&nbsp;7, its participants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Cash Equivalent Investments</U>&#148; shall have the meaning specified in
the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Change in Control</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Closing Protection Letter</U>&#148; shall mean a letter of indemnification from a title insurer addressed to Seller and/or
Seller&#146;s mortgage loan originators or mortgage loan sellers, as applicable, or for which Buyer is a third party beneficiary, with coverage that is customarily acceptable to Persons engaged in the origination of mortgage loans, identifying the
Settlement Agent covered thereby and indemnifying Seller and/or Buyer (directly or as a third party beneficiary) against losses incurred due to malfeasance or fraud by the Settlement Agent or the failure of the Settlement Agent to follow the
specific escrow instructions specified by Seller to the Settlement Agent or otherwise by Buyer with respect to the closing of the Mortgage Loan. The Closing Protection Letter shall be either with respect to the individual Mortgage Loan being
purchased pursuant hereto or a blanket Closing Protection Letter which covers closings conducted by the Settlement Agent in the jurisdiction in which the closing of such Mortgage Loan takes place. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>CLTA</U>&#148; shall mean the California Land Title Association, or any successors thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Code</U>&#148; shall mean the Internal Revenue Code of 1986, as amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Concentration Category</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Concentration Limit</U>&#148; shall mean, for each Concentration Category, the applicable limitation set forth in the Pricing Letter.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Confidential Information</U>&#148; shall have the meaning set forth in Section&nbsp;30 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Conforming Mortgage Loan</U>&#148; shall have the meaning set forth in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Confidential Terms</U>&#148; shall have the meaning set forth in Section&nbsp;30 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Connection Income Taxes</U>&#148; means Other Connection Taxes that are imposed on or measured by net income (however denominated) or
that are franchise Taxes or branch profits Taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Conventional Mortgage Loan</U>&#148; shall mean a Conforming Mortgage Loan
other than a Government Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation</U>&#148; shall mean, with
respect to any <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, the cooperative apartment corporation that holds legal title to the related <FONT STYLE="white-space:nowrap">Co-op</FONT> Project and grants occupancy rights to units therein to
stockholders through Proprietary Leases or similar arrangements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Co-op</FONT> Loan</U>&#148;
shall mean a Mortgage Loan secured by the pledge of stock allocated to a dwelling unit in a residential cooperative housing corporation and the collateral assignment of the related Proprietary Lease. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Co-op</FONT> Project</U>&#148; shall mean, with
respect to any <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, all real property and improvements thereto and rights therein and thereto owned by a <FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation including without limitation the land,
separate dwelling units and all common elements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Co-op</FONT> Shares</U>&#148; shall mean, with
respect to any <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, the shares of stock issued by a <FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation and allocated to a <FONT STYLE="white-space:nowrap">Co-op</FONT> Unit and represented by a
stock certificate or certificates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Co-op</FONT> Unit</U>&#148; shall mean, with respect to any <FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan, a specific unit in a <FONT STYLE="white-space:nowrap">Co-op</FONT> Project. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Costs</U>&#148; shall have the meaning set forth in Section&nbsp;15(a) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Credit File</U>&#148; shall mean with respect to each Mortgage Loan, the documents and instruments relating to the origination and
administration of such Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Custodial Agreement</U>&#148; shall mean that certain Custodial Agreement dated as of the
date hereof, among the Seller, Buyer and Custodian as the same may be amended from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Custodial Mortgage Loan
Schedule</U>&#148; shall have the meaning set forth in the Custodial Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Custodian</U>&#148; shall mean Deutsche Bank
National Trust Company, or any successor thereto under the Custodial Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Daily Activity Report</U>&#148; shall mean for
each Business Day, the daily activity pursuant to this Agreement reflected on the EverBank Warehouse Electronic System, including without limitation, any purchases of Mortgage Loans, any repurchases of Mortgage Loans, any payments received by Buyer
or in the Inbound Account with respect to the Purchased Mortgage Loans, and the activity in each of the Inbound and Haircut Accounts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Debt for Borrowed Money Arrangements</U>&#148; shall have the meaning set forth in Section&nbsp;11(o) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Default</U>&#148; shall mean an Event of Default or an event that with notice or lapse of time or both would become an Event of
Default. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Defective Mortgage Loan</U>&#148; shall mean a Mortgage Loan (a)&nbsp;which is in foreclosure, has been foreclosed upon
or has been converted to real estate owned property, (b)&nbsp;for which the Mortgagor is in bankruptcy, (c)&nbsp;that is not repurchased by Seller in compliance with the provisions of Section&nbsp;3(d), (d) [reserved], or (e)&nbsp;which was, but
ceased to be, an Eligible Mortgage Loan, including if the representations and warranties set forth in Schedule 1 to this Agreement cease to be true, correct and complete in all material respects with respect to such Mortgage Loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Delinquent Mortgage Loan</U>&#148; shall mean any Mortgage Loan as to which any Monthly Payment, or part thereof, remains unpaid for
30 days or more following the original Due Date for such Monthly Payment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Dollars</U>&#148; and &#147;<U>$</U>&#148; shall mean
lawful money of the United States of America. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Due Date</U>&#148; shall mean the day of the month on which the Monthly Payment is
due on a Mortgage Loan, exclusive of any days of grace. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Due Diligence Costs</U>&#148; shall have the meaning set forth in Section&nbsp;17
hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Due Diligence Review</U>&#148; shall mean the performance by Buyer of any or all of the reviews permitted under
Section&nbsp;17 hereof with respect to a Seller Party, any or all of the Purchased Mortgage Loans, or any Mortgage Loans submitted for purchase hereunder, as desired by Buyer from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">E-Sign</FONT></U>&#148; shall mean the federal Electronic Signatures in Global and National Commerce
Act, as amended from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Effective Date</U>&#148; shall mean the date upon which the conditions precedent set forth in
Section&nbsp;3(a) shall have been satisfied or waived. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Electronic Record</U>&#148; shall mean &#147;<U>Record</U>&#148; and
&#147;<U>Electronic Record,</U>&#148; both as defined in <FONT STYLE="white-space:nowrap">E-Sign,</FONT> and shall include, but not be limited to, recorded telephone conversations, fax copies or electronic transmissions, including, without
limitation, those involving the EverBank Warehouse Electronic System. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Electronic Signature</U>&#148; shall have the meaning set
forth in <FONT STYLE="white-space:nowrap">E-Sign.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Electronic Tracking Agreement</U>&#148; shall mean an Electronic
Tracking Agreement among Buyer, Seller, MERS and MERSCORP, Inc., as the same may be amended from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Electronic
Transactions</U>&#148; shall mean transactions conducted using Electronic Records and/or Electronic Signatures or fax copies of signatures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Eligible Mortgage Loan</U>&#148; shall mean a Mortgage Loan which (a)&nbsp;is an Approved Mortgage Product, (b)&nbsp;complies with
the representations and warranties set forth on Schedule 1 hereto, (c)&nbsp;is not a Defective Mortgage Loan, and (d)&nbsp;is not a Delinquent Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EO13224</U>&#148; shall have the meaning set forth in Section&nbsp;11(aa) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA</U>&#148; shall mean the Employee Retirement Income Security Act of 1974, as amended from time to time and any successor
thereto, and the regulations promulgated and rulings issued thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA Affiliate</U>&#148; shall, with respect to Seller,
mean any Person which is treated as a single employer under Section&nbsp;414(b) or (c)&nbsp;of the Code, or solely for purposes of Section&nbsp;302 of ERISA and Section&nbsp;412 of the Code is treated as a single employer described in
Section&nbsp;414 of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA Liability Threshold</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Escrow Amount</U>&#148; shall mean any amounts paid by the Mortgagor or retained by Seller with respect to the Mortgage Loan that
constitute escrowed funds, which shall include any amounts representing Escrow Payments or unapplied principal prepayments. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Escrow Payments</U>&#148; shall mean, with respect to any Mortgage Loan, the amounts constituting ground rents, taxes, assessments,
water rates, sewer rents, municipal charges, mortgage insurance premiums, fire and hazard insurance premiums, condominium charges, and any other payments required to be escrowed by the Mortgagor with the mortgagee pursuant to the Mortgage or any
other document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Event of Default</U>&#148; shall have the meaning specified in Section&nbsp;13 hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Event of ERISA Termination</U>&#148; shall mean (i)&nbsp;with respect to any Plan,
a Reportable Event, or (ii)&nbsp;the withdrawal of Seller or any ERISA Affiliate thereof from a Plan during a plan year in which it is a substantial employer, as defined in Section&nbsp;4001(a)(2) of ERISA, or (iii)&nbsp;the failure by Seller or any
ERISA Affiliate thereof to meet the minimum funding standard of Section&nbsp;412 of the Code or Section&nbsp;302 of ERISA with respect to any Plan, including, without limitation, the failure to make on or before its due date a required installment
under Section&nbsp;430(j) of the Code or Section&nbsp;303(j) of ERISA, or (iv)&nbsp;the distribution under Section&nbsp;4041 of ERISA of a notice of intent to terminate any Plan or any action taken by Seller or any ERISA Affiliate thereof to
terminate any Plan under Section&nbsp;4041 of ERISA, or (v)&nbsp;the failure to meet the requirements of Section&nbsp;436 of the Code resulting in the loss of qualified status under Section&nbsp;401(a)(29) of the Code, or (vi)&nbsp;the institution
by the PBGC of proceedings under Section&nbsp;4042 of ERISA for the termination of, or the appointment of a trustee to administer, any Plan, or (vii)&nbsp;the receipt by sSeller or any ERISA Affiliate thereof of a notice from a Multiemployer Plan
that action of the type described in the previous clause (vi)&nbsp;has been taken by the PBGC with respect to such Multiemployer Plan, or (viii)&nbsp;any event or circumstance exists which may reasonably be expected to constitute grounds for Seller
or any ERISA Affiliate thereof to incur liability under Title IV of ERISA or under Sections 412(b) or 430(k) of the Code with respect to any Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EverBank Warehouse Customer Guide</U>&#148; shall mean the guidelines and other information provided to Seller by Buyer, as may be
updated from time to time, setting forth the policies and procedures to be followed by Seller when utilizing the facility contemplated under this Agreement, including without limitation information and parameters input into the EverBank Warehouse
Electronic System regarding LTV limitations as established by Buyer from time to time; provided that no changes to the EverBank Warehouse Customer Guide effective after the Purchase Date for a Purchased Asset shall be applicable to such Purchased
Asset. The EverBank Warehouse Customer Guide may alternatively be called the EverBank Warehouse Customer Guide. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EverBank
Warehouse Electronic System</U>&#148; shall mean the system utilized by Buyer either directly, or through its vendors, and which may be accessed by Seller in connection with delivering and obtaining information and requests as described further in
the EverBank Warehouse Customer Guide. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Excess Proceeds</U>&#148; shall mean the excess, if any, of the proceeds received in the
Inbound Account with respect to a purchase or repurchase of a Purchased Mortgage Loan over the Repurchase Price for such Purchased Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Excluded Taxes</U>&#148; means any of the following Taxes imposed on or with respect to a Buyer or required to be withheld or
deducted from a payment to a Buyer, (a)&nbsp;Taxes imposed on or measured by net income (however denominated), franchise Taxes, and branch profits Taxes, in each case, (i)&nbsp;imposed as a result of such Buyer being organized under the laws of, or
having its principal office or its applicable lending office located in, the jurisdiction imposing such Tax (or any political subdivision thereof) or (ii)&nbsp;that are Other Connection Taxes, (b)&nbsp;U.S.&nbsp;federal withholding Taxes imposed on
amounts payable to or for the account of such Buyer with respect to an applicable interest in an Obligation pursuant to a law in effect on the date on which (i)&nbsp;such Buyer acquires such interest in the Obligation (other than pursuant to an
assignment request by the Seller) or (ii)&nbsp;such Buyer changes its lending office, except in each case to the extent that, pursuant to Section&nbsp;7, amounts with respect to such Taxes were payable either to such Buyer&#146;s assignor
immediately before such Buyer became a party hereto or to such Buyer immediately before it changed its lending office, (c)&nbsp;Taxes attributable to Buyer&#146;s failure to comply with Section&nbsp;7(e) and (d)&nbsp;any U.S. federal withholding
Taxes imposed under FATCA. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Existing Subordinated Debt</U>&#148; shall mean all Subordinated Debt, if any, existing as of the
Effective Date, as set forth on Schedule 6 to the Pricing Letter. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Expenses</U>&#148; shall mean those expenses incurred by Buyer or the Custodian in
connection with this Agreement or any of the other Facility Documents and any amendment, supplement or other modification or waiver related hereto or thereto, which expenses shall include the cost of title, lien, judgment and other record searches;
reasonable attorneys&#146; fees in the preparation of the Facility Documents; expenses for and on behalf of Buyer in connection with an Event of Default (including, without limitation, all costs and expenses of Buyer in connection with the
enforcement of this Agreement or any other agreement evidencing a Transaction, whether in action, suit or litigation or bankruptcy, insolvency or other similar proceeding affecting creditors&#146; rights generally, further including, without
limitation, the reasonable and documented fees and expenses of counsel (including, if an Event of Default shall have occurred and be continuing, the costs of internal counsel of Buyer)); and costs of preparing and recording any UCC financing
statements or other filings necessary to perfect the security interest created hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Facility Documents</U>&#148; shall mean
this Agreement, the Pricing Letter, the Guaranty , the EverBank Warehouse Customer Guide, the Custodial Agreement, the Electronic Tracking Agreement, each Servicer Notice, if any, the Power of Attorney, and each Subordination Agreement, if any. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Fannie Mae</U>&#148; shall mean Fannie Mae, or any successor thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FATCA</U>&#148; means Sections 1471 through 1474 of the Code, as of the date of this Agreement (or any amended or successor version
that is substantively comparable and not materially more onerous to comply with), any current or future regulations or official interpretations thereof, any agreements entered into pursuant to Section&nbsp;1471(b)(1) of the Code and any fiscal or
regulatory legislation, rules or practices adopted pursuant to any intergovernmental agreement, treaty or convention among Governmental Authorities and implementing such Sections of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FDIA</U>&#148; shall have the meaning set forth in Section&nbsp;31 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FDICIA</U>&#148; shall have the meaning set forth in Section&nbsp;31 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FHA</U>&#148; shall mean the Federal Housing Administration, an agency within the United States Department of Housing and Urban
Development, or any successor thereto, and including the Federal Housing Commissioner and the Secretary of Housing and Urban Development where appropriate under the FHA Regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FHA Loan</U>&#148; shall mean a Mortgage Loan which is the subject of an FHA Mortgage Insurance Certificate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FHA Mortgage Insurance Certificate</U>&#148; shall mean the certificate evidencing the contractual obligation of the FHA respecting
the insurance of a Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FHA Regulations</U>&#148; shall mean the regulations promulgated by the Department of Housing
and Urban Development under the National Housing Act, as amended from time to time and codified in 24 Code of Federal Regulations, and other Department of Housing and Urban Development issuances relating to FHA Loans, including the related
handbooks, circulars, notices and mortgagee letters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FICO</U>&#148; shall mean Fair Isaac Corporation, or any successor thereto.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Fidelity Insurance</U>&#148; shall mean, collectively, whether or not provided in the same policy or policies, insurance
coverage with respect to employee errors, omissions, dishonesty, forgery, theft, disappearance and destruction, robbery and safe burglary, property (other than money and securities) and computer fraud in an aggregate amount acceptable to the Buyer.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Fidelity Insurance Requirement</U>&#148; shall have the meaning specified in the
Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Financial Condition Covenants</U>&#148; shall mean each of the covenants set forth in Section&nbsp;3 of the
Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Financial Reporting Party</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Financial Statements</U>&#148; shall mean the consolidated financial statements of the Financial Reporting Party prepared in
accordance with GAAP for the year or other period then ended. Such financial statements will be audited, in the case of annual statements, by an Approved CPA. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Fitch</U>&#148; shall mean Fitch Ratings, Inc., or any successor thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Freddie Mac</U>&#148; shall mean Freddie Mac, or any successor thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>GAAP</U>&#148; shall mean generally accepted accounting principles in the United States of America, applied on a consistent basis and
applied to both classification of items and amounts, and shall include, without limitation, the official interpretations thereof by the Financial Accounting Standards Board, its predecessors and successors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Ginnie Mae</U>&#148; shall mean the Government National Mortgage Association, or any successor thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>GLB Act</U>&#148; shall have the meaning set forth in Section&nbsp;30 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Government Mortgage Loan</U>&#148; shall mean a Mortgage Loan that is (a)&nbsp;eligible for FHA mortgage insurance and is so insured,
is subject to, or an application has been or will be submitted for, a binding and enforceable commitment for such insurance pursuant to the provisions of the National Housing Act, as amended, and is originated in strict compliance with the
requirements of Ginnie Mae and is eligible for inclusion in a Ginnie Mae mortgage-backed security pool; or (b)&nbsp;eligible to be guaranteed by the VA and is so guaranteed, is subject to, or an application has been or will be submitted for, a
binding and enforceable commitment for such guarantee pursuant to the provisions of the Servicemen&#146;s Readjustment Act, as amended, and is otherwise eligible for inclusion in a Ginnie Mae mortgage-backed security pool. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Governmental Authority</U>&#148; shall mean any nation or government, any state, county, municipality or other political subdivision
thereof or any governmental body, agency, authority, department or commission (including, without limitation, the Appropriate Federal Banking Agency, any taxing authority and any supra-national bodies such as the European Union or the European
Central Bank), any self-regulatory organizations with appropriate jurisdiction, any government sponsored enterprise (including, without limitation, Fannie Mae or Freddie Mac), any government corporation (including, without limitation, Ginnie Mae,
the Federal Deposit Insurance Corporation or the Federal Home Loan Banks) or any instrumentality or officer of any of the foregoing (including, without limitation, any court or tribunal) exercising executive, legislative, judicial, regulatory or
administrative functions of or pertaining to government and any corporation, partnership or other entity directly or indirectly owned by or controlled by the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Guarantee</U>&#148; shall mean, as to any Person, any obligation of such Person directly or indirectly guaranteeing any Indebtedness
of any other Person or in any manner providing for the payment of any Indebtedness of any other Person or otherwise protecting the holder of such Indebtedness against loss (whether by virtue of partnership arrangements, by agreement to keep-well, to
purchase assets, goods, securities or services, or to <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">take-or-pay</FONT></FONT> or otherwise); provided that the term &#147;<U>Guarantee</U>&#148; shall not include
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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endorsements for collection or deposit in the ordinary course of business. The amount of any Guarantee of a Person shall be deemed to be an amount equal to the stated or determinable amount of
the primary obligation in respect of which such Guarantee is made or, if not stated or determinable, the maximum reasonably anticipated liability in respect thereof as determined by such Person in good faith. The terms &#147;<U>Guarantee</U>&#148;
and &#147;<U>Guaranteed</U>&#148; used as verbs shall have correlative meanings. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Guarantor</U>&#148; shall have the meaning
specified in the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Guaranty</U>&#148; shall mean that certain Guaranty made by Guarantor in favor of Buyer, dated
as of the Closing Date, as the same may be amended, restated, supplemented or otherwise modified from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Haircut
Account</U>&#148; shall mean the account established pursuant to Section&nbsp;9(e) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Haircut Amount</U>&#148; shall mean,
with respect to an Eligible Mortgage Loan proposed for a Transaction hereunder, the difference, if any, between (a)&nbsp;the amount required by Buyer to release its Lien therein less (b)&nbsp;the related Purchase for such Purchased Mortgage Loan.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Hedge Agreement</U>&#148; shall mean, with respect to any Mortgage Loans, any short sale of a United States Treasury Security,
or futures contract, or mortgage related security, or Eurodollar futures contract, or options related contract, or interest rate swap, cap or collar agreement, or similar arrangement providing for protection against fluctuations in interest rates or
the exchange of nominal or notional interest obligations, either generally or under specific contingencies, entered into by Seller with a party and with terms as determined by Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>High Cost Mortgage Loan</U>&#148; shall mean a mortgage loan classified as (a)&nbsp;a &#147;high cost&#148; or &#147;higher
priced&#148; loan under the Home Ownership and Equity Protection Act of 1994 or (b)&nbsp;a &#147;high cost,&#148; &#147;high risk,&#148; &#147;high rate,&#148; &#147;threshold,&#148; &#147;covered,&#148; or &#147;predatory&#148; loan under any other
applicable state, federal or local law (or a similarly classified loan using different terminology under a law, regulation or ordinance imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high
interest rates, points and/or fees). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>HUD</U>&#148; shall mean the Department of Housing and Urban Development. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Inbound Account</U>&#148; shall mean the account established pursuant to Section&nbsp;9(d) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Income</U>&#148; shall mean, with respect to any Mortgage Loan at any time, any principal received thereon or in respect thereof, and
all interest, dividends or other distributions received thereon and all proceeds thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Indebtedness</U>&#148; shall mean,
with respect to any Person, total liabilities, as reported on that Person&#146;s balance sheet, and calculated in accordance with GAAP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Indemnified Party</U>&#148; shall have the meaning set forth in Section&nbsp;15(a) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Initial Haircut Account Funded Amount</U>&#148; shall mean, with respect to any Purchased Mortgage Loan, the amount deposited by
Seller into the Haircut Account on or prior to the related Purchase Date, which amount shall equal the Haircut Amount plus any Escrow Amount related to the Purchased Mortgage Loan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Insolvency Event</U>&#148; shall mean, for Seller: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a) that such Responsible Officer, Person or any Affiliate shall discontinue or abandon operation of its business; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b) that a Responsible Officer of Seller or any Affiliate shall fail generally to, or admit in writing its inability to, pay its debts as
they become due; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c) a proceeding shall have been instituted in a court having jurisdiction in the premises seeking a decree or order
for relief in respect of Seller or any Affiliate in an involuntary case under any applicable bankruptcy, insolvency, liquidation, reorganization or other similar Requirements of Law now or hereafter in effect, or for the appointment of a receiver,
liquidator, assignee, trustee, custodian, sequestrator, conservator or other similar official of such Seller or any Affiliate, or for any substantial part of its property, or for the <FONT STYLE="white-space:nowrap">winding-up</FONT> or liquidation
of its affairs, which is not dismissed within forty-five (45)&nbsp;days; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d) the commencement by such Seller or any Affiliate of a
voluntary case under any applicable bankruptcy, insolvency or other similar Requirements of Law now or hereafter in effect, or such Person&#146;s or any Affiliate&#146;s consent to the entry of an order for relief in an involuntary case under any
such Requirements of Law, or consent to the appointment of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator, conservator or other similar official of such Person, or for any substantial part of its property,
or any general assignment for the benefit of creditors; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e) that Seller or any Affiliate shall become insolvent; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(f) Seller or any Affiliate shall take any corporate action in furtherance of, or the action of which would result in, any of the actions set
forth in the preceding clauses (a), (b), (c), (d) or (e). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Lien</U>&#148; shall mean any lien, claim, charge, restriction,
pledge, security interest, mortgage, deed of trust or other encumbrance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Litigation</U>&#148; means, as to a Person, any action,
lawsuit, investigation, claim, proceeding, judgment, order, decree, or resolution pending or threatened against or affecting such Person or the business, operations, properties, or assets of such Person before, or by, any Governmental Authority.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Litigation Threshold</U>&#148; shall mean $5,000,000 with respect to Seller or any of the Seller&#146;s subsidiaries, and
$75,000,000 with respect to Guarantor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loan-to-Value</FONT></FONT> Ratio</U>&#148; or
&#147;<U>LTV</U>&#148; shall mean with respect to any Mortgage Loan, the ratio of the original outstanding principal amount of the Mortgage Loan to the Appraised Value of the Mortgaged Property at origination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Margin Call</U>&#148; shall have the meaning specified in Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Margin Deficit</U>&#148; shall have the meaning specified in Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Margin Threshold</U>&#148; shall mean $100,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Market Value</U>&#148; shall mean, as of any date with respect to any Purchased Mortgage Loan, the price at which such Mortgage Loan
could readily be sold as determined by Buyer in its commercially </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

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reasonable discretion and in the same manner it calculated Market Value for similarly situated counterparties in connection with mortgage loan warehouse facilities, provided, however, that the
&#147;<U>Market Value</U>&#148; of any Mortgage Loan that is not an Eligible Mortgage Loan is zero. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Material Adverse
Effect</U>&#148; shall mean a material adverse effect on (a)&nbsp;the Property, business, operations, financial condition of a Seller Party, (b)&nbsp;the ability of a Seller Party to materially perform its obligations under any of the Facility
Documents, (c)&nbsp;the validity or enforceability of any of the Facility Documents, (d)&nbsp;the rights and remedies of Buyer under any of the Facility Documents, (e)&nbsp;subject to agreed extensions or waivers, the timely payment of any amounts
payable under the Facility Documents, or (f)&nbsp;the Asset Value of the Purchased Mortgage Loans taken as a whole. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Maximum
Purchase Amount</U>&#148; shall mean $125,000,000.00. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>MERS</U>&#148; shall mean Mortgage Electronic Registration Systems, Inc.,
a corporation organized and existing under the laws of the State of Pennsylvania, or any successor thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>MERS
System</U>&#148; shall mean the system of recording transfers of mortgages electronically maintained by MERS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Minimum Reserve
Amount</U>&#148; shall have the meaning set forth in the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Monthly Financial Statement Date</U>&#148; shall have
the meaning specified in the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Monthly Payment</U>&#148; shall mean the scheduled monthly payment of principal and
interest on a Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Moody&#146;s</U>&#148; shall mean Moody&#146;s Investor&#146;s Service, Inc. or any successors
thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage</U>&#148; shall mean each mortgage, assignment of rents, security agreement and fixture filing, deed of trust,
deed to secure debt, or similar instrument creating and evidencing a lien on real property and other property and rights incidental thereto, unless such Mortgage is granted in connection with a <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, in
which case the first lien position is in the <FONT STYLE="white-space:nowrap">Co-op</FONT> Shares of the subject <FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation and in the tenant&#146;s rights in the Proprietary Lease relating to such <FONT
STYLE="white-space:nowrap">Co-op</FONT> Shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage File</U>&#148; shall mean, with respect to a Mortgage Loan, the
documents and instruments relating to such Mortgage Loan and set forth in the EverBank Warehouse Customer Guide and the Custodial Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage Interest Rate</U>&#148; shall mean the rate of interest borne on a Mortgage Loan from time to time in accordance with the
terms of the related Mortgage Note. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage Loan</U>&#148; shall mean any first lien, <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">one-to-four-family</FONT></FONT> residential mortgage loan evidenced by a Mortgage Note and secured by a Mortgage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage Loan Schedule</U>&#148; shall mean with respect to any Transaction as of any date, a mortgage loan schedule in the form of a
computer tape or other electronic medium generated by Seller and delivered to Buyer via the EverBank Warehouse Electronic System and to Custodian as specified in the Custodial Agreement, which provides information (including, without limitation, the
information required pursuant to the EverBank Warehouse Customer Guide) relating to the Purchased Mortgage Loans in a format required pursuant to the EverBank Warehouse Customer Guide. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgage Note</U>&#148; shall mean the promissory note or other evidence of the
indebtedness of a Mortgagor secured by a Mortgage. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgaged Property</U>&#148; shall mean the real property securing repayment,
or other <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan collateral, of the debt evidenced by a Mortgage Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Mortgagor</U>&#148; shall mean the obligor or obligors on a Mortgage Note, including any Person who has assumed or Guaranteed the
obligations of the obligor thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>MSR Appraised Value</U>&#148; means, as of any date of determination, the fair market
value of Seller&#146;s Servicing Rights at such time, calculated as a percentage (using the <FONT STYLE="white-space:nowrap">mid-point</FONT> if expressed as a range) of the then unpaid principal balances of each category of Mortgage Loan then being
serviced, as set forth in a Servicing Rights Appraisal. For the avoidance of doubt, in order to take into account changes in the unpaid principal balances of Mortgage Loans from the date of a particular appraisal to the date of any later
determination of MSR Value, the applicable value percentage shall be applied to the then (updated) unpaid principal balance of Mortgage Loans then included in Seller&#146;s capitalized Servicing Rights within each applicable category of Mortgage
Loans of the date of such later determination of MSR Value. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>MSR Value</U>&#148; shall mean, as of any date of determination, the
lesser of (a)&nbsp;Seller&#146;s capitalized Servicing Rights at such time, and (b)&nbsp;as applicable, and with respect to the same Servicing Rights (i)&nbsp;the MSR Appraised Value, at such time, with respect to those Mortgage Loans then included
in Seller&#146;s capitalized Servicing Rights, or (ii)&nbsp;if the applicable Servicing Rights Appraisal has not been timely delivered to Buyer, such amount Buyer and Seller shall determine using means of valuation they agree upon as appropriate
under the circumstances. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Multiemployer Plan</U>&#148; shall mean a &#147;multiemployer plan&#148; as defined in
Section&nbsp;3(37) of ERISA which is or was at any time during the current year or the immediately preceding five years contributed to (or required to be contributed to) by Seller or any ERISA Affiliate thereof on behalf of its employees and which
is covered by Title IV of ERISA. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Net Account Funded Amount</U>&#148; shall mean, for each Purchased Mortgage Loan, the Initial
Haircut Account Funded Amount minus the Haircut Amount withdrawn from the Haircut Account by Buyer plus all additional amounts received in the Haircut Account related to the applicable Purchased Mortgage Loan, including amounts on account of
Repurchase Price (including, without duplication, Excess Proceeds) minus any Shortfall Proceeds withdrawn by Buyer on account of the applicable Purchased Mortgage Loan, minus all Warehouse Fees withdrawn by Buyer on account of the applicable
Purchased Mortgage Loan minus any additional amounts withdrawn by Buyer as permitted under Section&nbsp;9(e) or otherwise, and attributed (in the reasonable discretion of Buyer) to such Purchased Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Net Income</U>&#148; shall mean, for any Person for any period, the net income of such Person determined in accordance with GAAP.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Net Worth</U>&#148; shall mean, with respect to the Seller, any Person, an amount equal to, on a consolidated basis, such
Person&#146;s stockholder equity (determined in accordance with GAAP). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Non-Excluded</FONT>
Taxes</U>&#148; shall mean (a)&nbsp;Taxes, other than Excluded Taxes, imposed on or with respect to any payment made by or on account of any obligation of the Seller under any Facility Document and (b)&nbsp;to the extent not otherwise described in
(a), Other Taxes. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Obligations</U>&#148; shall mean, as the context requires: (a)&nbsp;any amounts
owed by Seller to Buyer in connection with a Transaction hereunder, together with interest thereon (including interest which would be payable as post-petition interest in connection with any bankruptcy or similar proceeding) and all other fees or
Expenses which are payable hereunder or under any of the Facility Documents; and (b)&nbsp;all obligations or amounts owed to Buyer under the Guaranty<SUP STYLE="font-size:75%; vertical-align:top">1</SUP>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>OFAC</U>&#148; shall have the meaning set forth in Section&nbsp;11(aa) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Other Connection Taxes</U>&#148; means, with respect to any Buyer, Taxes imposed as a result of a present or former connection
between such Buyer and the jurisdiction imposing such Tax (other than connections arising from such Buyer having executed, delivered, become a party to, performed its obligations under, received payments under, received or perfected a security
interest under, engaged in any other transaction pursuant to or enforced any Facility Document, or sold or assigned an interest in any Obligation or Facility Document). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Other Taxes</U>&#148; shall have the meaning set forth in Section&nbsp;7(b) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>PBGC</U>&#148; shall mean the Pension Benefit Guaranty Corporation or any entity succeeding to any or all of its functions under
ERISA. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Person</U>&#148; shall mean any individual, corporation, company, voluntary association, partnership, joint venture,
limited liability company, trust, unincorporated association or government (or any agency, instrumentality or political subdivision thereof). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Plan</U>&#148; shall mean any employee benefit or similar plan that is or was at any time during the current year or immediately
preceding five years established, maintained or contributed to by Seller or any ERISA Affiliate thereof and that is covered by Title IV of ERISA, other than a Multiemployer Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pledge Instruments</U>&#148; shall mean the Assignment of Proprietary Lease and the stock power related to the <FONT
STYLE="white-space:nowrap">Co-op</FONT> Shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Post-Default Rate</U>&#148; shall have the meaning specified in the Pricing
Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Power of Attorney</U>&#148; shall mean a Power of Attorney substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;B</U> hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Price Differential</U>&#148; shall mean, with respect to any Transaction hereunder
as of any date, the aggregate amount obtained by daily application of the Pricing Rate (or, during the continuation of an Event of Default, by daily application of the Post-Default Rate) for such Transaction to the Purchase Price for such
Transaction on a 360 day per year basis for the actual number of days during the period commencing on (and including) the Purchase Date for such Transaction and ending on (but excluding) the Repurchase Date (reduced by any amount of such Price
Differential previously paid by Seller to Buyer with respect to such Transaction). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pricing Letter</U>&#148; shall mean that
certain letter agreement between Buyer and Seller, dated as of the date hereof, as the same may be amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pricing Rate</U>&#148; shall mean a rate per annum equal to the sum of (a)&nbsp;the SOFR Rate plus (b)&nbsp;the Pricing Spread.
</P><DIV STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</DIV>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Note to EB: clause (c)&nbsp;has been deleted with the understanding that this will be revisited in connection
with future transactions. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pricing Spread</U>&#148; shall have the meaning specified in the Pricing Letter.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Prohibited Person</U>&#148; shall have the meaning set forth in Section&nbsp;11(aa) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Property</U>&#148; shall mean any right or interest in or to property of any kind whatsoever, whether real, personal or mixed and
whether tangible or intangible. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Proprietary Lease</U>&#148; shall mean the lease of a
<FONT STYLE="white-space:nowrap">Co-op</FONT> Unit evidencing the possessory interest of the owner of the <FONT STYLE="white-space:nowrap">Co-op</FONT> Shares in such <FONT STYLE="white-space:nowrap">Co-op</FONT> Unit. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Purchase Date</U>&#148; shall mean the date on which the full amount of the Purchase Price is transferred from Buyer to the Seller
against the simultaneous transfer of the Purchased Mortgage Loans by Seller to Buyer or its designee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Purchase Price</U>&#148;
shall have the meaning specified in the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Purchase Price Percentage</U>&#148; shall have the meaning specified in
the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Purchased Mortgage Loan</U>&#148; shall mean each Mortgage Loan sold by Seller to Buyer in a Transaction, as
reflected in the EverBank Warehouse Electronic System and as evidenced by the Daily Activity Report, prior to the time repurchased by Seller in accordance with the terms hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Purchaser Guidelines</U>&#148; shall mean the standards, procedures and guidelines of the Seller for acquiring Mortgage Loans, which
are set forth in the written policies and procedures of the Seller, as in effect from time to time, a copy of which shall have been provided to Buyer as required hereunder and such other guidelines as are identified and approved in writing by Buyer.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Recognition Agreement</U>&#148; shall mean an agreement among a <FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation, a
lender, and a Mortgagor with respect to a <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan whereby such parties (i)&nbsp;acknowledge that such lender may make, or intends to make, such <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, and
(ii)&nbsp;make certain agreements with respect to such <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Records</U>&#148;
shall mean all instruments, agreements and other books, records, and reports and data generated by other media for the storage of information maintained by Seller, its Subservicer, or Buyer pursuant to this Agreement with respect to a Mortgage Loan.
Records shall include the Mortgage Notes, any Mortgages, the Mortgage Files, the credit files related to a Mortgage Loan and any other instruments necessary to document or service a Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Register</U>&#148; shall have the meaning set forth in Section&nbsp;19(b) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Regulations T, U and X</U>&#148; shall mean Regulations T, U and X of the Board of Governors of the Federal Reserve System (or any
successor), as the same may be modified and supplemented and in effect from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Repair Set Aside Account</U>&#148;
shall mean funds held by Seller with respect to a Mortgage Loan necessary for disbursement after closing in order to pay for required repairs to the Mortgaged Property pursuant to the Requirements of Law, contractual obligations of either party
(including those contained in this Agreement), or insurer requirements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Reportable Event</U>&#148; shall mean any of the events set forth in
Section&nbsp;4043(c) of ERISA, other than those events as to which the thirty day notice period is waived under subsections .21, .22, .24, .26, .27 or .28 of PBGC Reg. &#167; 4043. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Repurchase Assets</U>&#148; shall have the meaning provided in Section&nbsp;8(a) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Repurchase Date</U>&#148; shall mean the date on which Seller is to repurchase the Purchased Mortgage Loans, or any particular
Purchased Mortgage Loan, subject to a Transaction from Buyer, which shall be the earliest of (a)&nbsp;the date specified in the related Transaction Request, (b)&nbsp;the date specified pursuant to Section&nbsp;3(d)(i), (c) a date no later than the
applicable Aging Limit, (d)&nbsp;one (1) Business Day after such Purchased Mortgage Loan is no longer an Eligible Mortgage Loan, (e)&nbsp;the Termination Date, or (f)&nbsp;any date determined by application of the provisions of Sections 3(d) or 14.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Repurchase Price</U>&#148; shall mean the price at which Purchased Mortgage Loans are to be transferred from Buyer or its
designee to Seller upon termination of a Transaction, which will be determined in each case as to any Purchased Mortgage Loan as the sum of (a)&nbsp;the Purchase Price for such Purchased Mortgage Loan as of the date of such determination, plus
(b)&nbsp;any accrued and unpaid Price Differential with respect to such Purchased Mortgage Loan as of the date of such determination, plus (c)&nbsp;any other accrued and unpaid fees, expenses, indemnities, and other amounts then due and owing to
Buyer with respect to such Purchased Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Requirements of Law</U>&#148; means, as to any Person, (a)&nbsp;all
requirements and prohibitions contained in the Certificate of Incorporation, Bylaws, Certificate of Formation, Operating Agreement or other organizational or governing documents of such Person, (b)&nbsp;any law, treaty, rule or regulation of any
Governmental Authority, and (c)&nbsp;any final and binding determination of an arbitrator or a determination of a court or other Governmental Authority, in each case applicable to or binding upon such Person or any of its property, or to which such
Person or any of its property is subject. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Reserve Amount</U>&#148; shall mean all cash and other amounts on deposit in the
Reserve Account. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Responsible Officer</U>&#148; shall mean, as to Buyer and Seller, respectively, an officer or other authorized
representative of such Person listed on Schedule 3 to the Pricing Letter, as such Schedule 3&nbsp;may be amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Restricted Cash</U>&#148; shall mean any amount of cash or Cash Equivalents of Seller that is contractually required to be set aside,
segregated or otherwise reserved. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>S&amp;P</U>&#148; shall mean Standard&nbsp;&amp; Poor&#146;s Ratings Services, or any
successor thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SEC</U>&#148; shall have the meaning set forth in Section&nbsp;32 hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Seller</U>&#148; is defined in the introductory paragraph of this Agreement and includes any permitted successor in interest thereto.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Seller Party</U>&#148; shall mean each of Seller and Guarantor, and &#147;<U>Seller Parties</U>&#148; shall mean such parties
collectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Servicer Downgrade Event</U>&#148; means any debt, deposit, financial strength or any other financial, operational
or performance rating for Seller or any Subservicer is downgraded one or more levels, resulting in a level below Average by S&amp;P or RPS3- by Fitch, to the extent any such Persons are rated by such rating agencies. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Servicer Notice</U>&#148; shall mean a notice acknowledged by each Subservicer, if
any, substantially in the form of <U>Exhibit</U><U></U><U>&nbsp;A</U> hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Servicing Agreement</U>&#148; shall have the
meaning set forth in Section&nbsp;16(c) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Servicing Rights</U>&#148; shall mean the rights of any Person to administer,
service or subservice Mortgage Loans, to collect Income thereon, or to possess related Records. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Servicing Rights
Appraisal</U>&#148; shall mean a written appraisal or evaluation by an Approved Servicing Appraiser evaluating the MSR Appraised Value of all of the Servicing Rights as of a date stated in the written report of such evaluation, each such evaluation
and report to be made at Seller&#146;s expense, to be addressed to Buyer and to be in form and substance acceptable to Buyer and Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Settlement Agent</U>&#148; shall mean, with respect to any Transaction, the entity approved by Buyer, in its sole discretion, which
may be a title company, escrow company or attorney in accordance with local law and practice in the jurisdiction where the proceeds of the related Mortgage Loan are being disbursed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Shortfall Proceeds</U>&#148; shall mean the shortfall, if any, between the proceeds received in the Inbound Account with respect to a
purchase or repurchase of a Purchased Mortgage Loan and the Repurchase Price for such Purchased Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SIPA</U>&#148;
shall have the meaning set forth in Section&nbsp;32 hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SOFR Floor</U>&#148; shall have the meaning set forth in the Pricing
Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SOFR Rate</U>&#148; shall mean, with respect to each day a Transaction is outstanding, the rate per annum equal to the
greater of (a)&nbsp;Term SOFR as quoted by Bloomberg Finance L.P., or any quoting service or commonly available source utilized by Buyer, for the purpose of displaying Term SOFR on such date (and if such date is not a Business Day, the SOFR Rate in
effect on the Business Day immediately preceding such date), and (b)&nbsp;the SOFR Floor. Notwithstanding the foregoing, if (i)&nbsp;Term SOFR ceases to exist or be published by the Term SOFR Administrator (or any successor or substitute), (ii)
there is a material disruption to Term SOFR, including but not limited to other lenders in the industry switching from Term SOFR to another interest rate, (iii)&nbsp;there is a change in the methodology of calculating Term SOFR or (iv)&nbsp;in the
reasonable expectation of the Buyer, any of the events specified in clause (i), (ii) or (iii)&nbsp;will occur; then the rate for the applicable interest period will be determined by such alternate method designed to measure interest rates in a
similar manner, as determined by the Buyer in a commercially reasonable manner consistent with the manner Buyer uses for similarly situated counterparties with similar assets. In order to account for the relationship of the replacement index to the
original Term SOFR, such alternate method will incorporate any spread to any replacement index as is necessary to ensure that Seller and the Buyer are in a similar economic position as the original Term SOFR. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>State Agency Program Loan</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Subordinated Debt</U>&#148; means, Indebtedness of Seller (i)&nbsp;which is unsecured, (ii)&nbsp;no part of the principal of such
Indebtedness is required to be paid (whether by way of mandatory sinking fund, mandatory redemption, mandatory prepayment or otherwise) prior to the date which is one year following the Termination Date and (iii)&nbsp;the payment of the principal of
and interest on such Indebtedness and other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

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obligations of Seller in respect of such Indebtedness is subordinated to the prior payment in full of the principal of and interest (including post-petition obligations) on the Transactions and
all other obligations and liabilities of Seller to Buyer hereunder on terms and conditions approved in writing by Buyer. Subordinated Debt, if any, outstanding as of the Effective Date is as set forth on Schedule 6 to the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Subordination Agreement</U>&#148; shall mean an agreement among Buyer, Seller, and all applicable third parties which satisfies the
requirements of clause (iii)&nbsp;of the definition of &#147;Subordinated Debt.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Subservicer</U>&#148; shall have the
meaning set forth in Section&nbsp;16(c) hereof, and includes the permitted successors and assigns of each such Person, including any Successor Servicer. The Subservicer, if any, on the Effective Date is identified on Schedule 5 to the Pricing
Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Successor Servicer</U>&#148; shall have the meaning set forth in Section&nbsp;16(h) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Surplus Amount</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Taxes</U>&#148; shall have the meaning set forth in Section&nbsp;7(a) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Term SOFR</U>&#148; means the Term SOFR reference rate for a <FONT STYLE="white-space:nowrap">one-month</FONT> tenor as administered
by the Term SOFR Administrator and quoted by Bloomberg Finance L.P., or any quoting service or commonly available source utilized by Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Term SOFR Administrator</U>&#148; means CME Group Benchmark Administration Limited or a successor administrator of the index selected
by Buyer in its sole discretion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Termination Date</U>&#148; shall mean the earliest of (i)&nbsp;April&nbsp;29, 2026, or
(ii)&nbsp;such date as determined by Buyer pursuant to its rights and remedies under the Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Test Date</U>&#148; shall
have the meaning specified in the Pricing Letter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Transaction</U>&#148; shall have the meaning specified in Section&nbsp;1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Transaction Request</U>&#148; shall mean a request from Seller to Buyer to enter into a Transaction, which shall be submitted
electronically to Buyer through the EverBank Warehouse Electronic System in accordance with the EverBank Warehouse Customer Guide and to Custodian in accordance with the Custodial Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Transaction Term Limitation</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Trust Receipt</U>&#148; shall have the meaning set forth in the Custodial Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Uniform Commercial Code</U>&#148; shall mean the Uniform Commercial Code as in effect from time to time in the State of New York;
provided that if by reason of mandatory provisions of law, the perfection or the effect of perfection or <FONT STYLE="white-space:nowrap">non-perfection</FONT> of the security interest in any Repurchase Assets or the continuation, renewal or
enforcement thereof is governed by the Uniform Commercial Code as in effect in a jurisdiction other than New York, &#147;<U>Uniform Commercial Code</U>&#148; shall mean the Uniform Commercial Code as in effect in such other jurisdiction for purposes
of the provisions hereof relating to such perfection or effect of perfection or <FONT STYLE="white-space:nowrap">non-perfection.</FONT> </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>USPAP Guidelines</U>&#148; shall mean the Uniform Standards of Professional
Appraisal Practice, as approved by the Appraisal Standards Board of The Appraisal Foundation, as revised, interpreted and amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>VA</U>&#148; shall mean the Department of Veterans Affairs, or any successors thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Warehouse Fees</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Wet Delivery Deadline</U>&#148; shall have the meaning specified in the Pricing Letter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Wet File</U>&#148; shall mean, with respect to a Wet Mortgage Loan, the documents and instruments relating to such Mortgage Loan and
set forth in the EverBank Warehouse Customer Guide for Wet Mortgage Loans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Wet Mortgage Loan</U>&#148; shall mean an Eligible
Mortgage Loan which Seller is selling to Buyer simultaneously with the origination thereof and for which the Mortgage File has not been delivered to Custodian. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION<U></U>&nbsp;3. INITIATION; TERMINATION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Conditions Precedent to Initial Transaction</U>. Buyer&#146;s agreement to enter into the initial Transaction hereunder is subject to
the satisfaction, immediately prior to or concurrently with the making of such Transaction, of the condition precedent that Buyer shall have received from Seller any fees and expenses payable hereunder, and all of the following documents, each of
which shall be reasonably satisfactory to Buyer and its counsel in form and substance: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The following Facility
Documents, duly executed and delivered to Buyer: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(A) <U>Agreement</U>. This Agreement, duly executed by the parties
thereto; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(B) <U>Guaranty. The Guaranty duly executed by the Guarantor</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(C) <U>Electronic Tracking Agreement</U>. An Electronic Tracking Agreement entered into, duly executed and delivered by the
parties thereto, in full force and effect, free of any modification, breach or waiver; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(D) <U>Pricing Letter</U>. The
Pricing Letter, duly executed by the parties thereto in form and substance acceptable to Buyer; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman"><U>(E) Custodial
Agreement</U>. The Custodial Agreement, duly executed by the parties hereto in form and substance acceptable to Buyer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(E) <U>Power of Attorney</U>. The Power of Attorney, duly executed and acknowledged by Seller. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) <U>Organizational Documents</U>. A certificate of corporate or other applicable entity existence of each Seller Party, a
certified copy of the charter and a copy of the bylaws (or equivalent documents) of each Seller Party and of all corporate or other applicable authority documents for each such Seller Party with respect to the execution, delivery and performance of
the Facility Documents and each other document to be delivered by each such Seller Party from time to time in connection herewith. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) <U>Good Standing Certificate</U>. A certified copy of a good standing
certificate from the jurisdiction of organization of each Seller Party, dated as of no earlier than the date ten (10)<U></U>&nbsp;Business Days prior to the Purchase Date with respect to the initial Transaction hereunder. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) <U>Incumbency Certificate</U>. An incumbency certificate of the corporate secretary or assistant secretary of each Seller
Party, certifying the names, true signatures and titles of the representatives duly authorized to request transactions hereunder and to execute the Facility Documents. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) <U>Reserved</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) <U>Security Interest</U>. Evidence that all other actions necessary or, in the reasonable opinion of Buyer, desirable to
perfect and protect Buyer&#146;s interest in the Purchased Mortgage Loans and other Repurchase Assets have been taken, including, without limitation, UCC searches and duly authorized and filed Uniform Commercial Code financing statements on Form <FONT
STYLE="white-space:nowrap">UCC-1.</FONT> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) <U>Insurance</U>. Evidence that Seller has added endorsements for theft of
warehouse lender money and collateral, while held by the Seller, naming Buyer as a lender loss payee under its Fidelity Insurance and as a direct loss payee/right of action under its errors and omissions insurance policy. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(viii) <U>Fees</U>. Payment of any fees and other costs and expenses due on or before the initial Transaction to Buyer
hereunder and to Custodian under the Custodial Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ix) <U>Other Documents</U>. Such other documents as Buyer may
reasonably request, in form and substance reasonably acceptable to Buyer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Conditions Precedent to all Transactions</U>. Upon
satisfaction of the conditions set forth in Section<U></U>&nbsp;3(a), Buyer may enter into a Transaction with Seller. Buyer&#146;s entering into each Transaction (including the initial Transaction) is subject to the satisfaction of the following
further conditions precedent, both immediately prior to entering into such Transaction and also after giving effect thereto to the intended use thereof: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) <U>Due Diligence Review</U>. Without limiting the generality of Section<U></U>&nbsp;17 hereof, Buyer shall have completed,
to its satisfaction, its due diligence review of the related Mortgage Loans and each Seller Party. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) <U>No Default</U>.
No Default or Event of Default shall have occurred and be continuing under, and such Transaction is in compliance in all material respects with all applicable terms and conditions of, the Facility Documents. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) <U>Representations and Warranties</U>. Both immediately prior to the Transaction and also after giving effect thereto and
to the intended use thereof, the representations and warranties made by Seller in Section<U></U> 11 hereof and Seller Parties in any other Facility Document to which they respectively are a party, shall be true, correct and complete on and as of
such Purchase Date in all material respects with the same force and effect as if made on and as of such date (or, if any such representation or warranty is expressly stated to have been made as of a specific date, as of such specific date). </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) <U>Maximum Purchase Price</U>. After giving effect to the requested
Transaction, the aggregate outstanding Purchase Price for all Purchased Mortgage Loans subject to then outstanding Transactions under this Agreement shall not exceed the Maximum Purchase Amount. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) <U>No Margin Deficit</U>. Both immediately prior to, and after giving effect to, the requested Transaction, there shall be
no Margin Deficit. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) <U>Transaction Request</U>. Seller shall have delivered to Buyer, in accordance with the
timeframes and in the manner set forth in the EverBank Warehouse Customer Guide, and to Custodian, in accordance with the timeframes and in the manner set forth in the Custodial Agreement, (a)&nbsp;a Transaction Request and (b)&nbsp;a Mortgage Loan
Schedule with respect to all Mortgage Loans subject to the requested Transaction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) <U>Delivery of Wet File and
Mortgage File</U>. Seller shall have delivered to Custodian, in accordance with the timeframes set forth in the Custodial Agreement, with respect to each Mortgage Loan subject to the requested Transaction (a)&nbsp;which is not a Wet Mortgage Loan,
the Mortgage File with respect to each such Mortgage Loan and (b)&nbsp;with respect to each Wet Mortgage Loan, (1)&nbsp;the Wet File with respect to each such Mortgage Loan and (2)&nbsp;on or prior to the Wet Delivery Deadline, the Mortgage File.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(viii) <U>Delivery of Trust Receipt</U>. Custodian shall have delivered to Buyer, in accordance with the timeframes set
forth in the Custodial Agreement, a Trust Receipt (accompanied by a Custodial Loan Transmission) with respect to each Mortgage Loan subject to the requested Transaction. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ix) <U>Fees and Expenses</U>. Buyer shall have received all reasonable fees and documented expenses of counsel to Buyer as
contemplated by Sections 9 and 15(b), which amounts, at Buyer&#146;s option, may be withheld from the proceeds remitted by Buyer to Seller pursuant to any Transaction hereunder. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x) <U>No Material Adverse Change</U>. None of the following shall have occurred and/or be continuing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(A) an event or events shall have occurred in the good faith determination of Buyer resulting in the effective absence of a
&#147;repo market&#148; or comparable &#147;lending market&#148; for financing debt obligations secured by securities or an event or events shall have occurred resulting in Buyer not being able to finance Purchased Mortgage Loans through the
&#147;repo market&#148; or &#147;lending market&#148; with traditional counterparties at rates which would have been reasonable prior to the occurrence of such event or events; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(B) an event or events shall have occurred resulting in the effective absence of a &#147;securities market&#148; for
securities backed by mortgage loans or an event or events shall have occurred resulting in Buyer not being able to sell securities backed by mortgage loans at prices which would have been reasonable prior to such event or events; or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(C) there shall have occurred a material adverse change in the financial
condition of Buyer which affects (or can reasonably be expected to affect) materially and adversely the ability of Buyer to fund its obligations under this Agreement; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(D) there shall have occurred (i)&nbsp;a material change in financial markets, an outbreak or escalation of hostilities or a
material change in national or international political, financial or economic conditions; (ii)&nbsp;a general suspension of trading on major stock exchanges; or (iii)&nbsp;a disruption in or moratorium on commercial banking activities or securities
settlement services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each Transaction Request delivered by Seller hereunder shall constitute a certification by Seller that all the
conditions set forth in this Section&nbsp;3(b) (other than clauses (i)&nbsp;and (x) hereof) have been satisfied (both as of the date of such notice or request and as of Purchase Date). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Initiation</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) If Seller wishes to enter into a Transaction hereunder with Buyer, Seller shall deliver a Transaction Request to Buyer
through the EverBank Warehouse Electronic System as specified in the EverBank Warehouse Customer Guide and to Custodian as specified in the Custodial Agreement prior to entering into any Transaction. Such Transaction Request shall include all
information required by Buyer pursuant to the EverBank Warehouse Customer Guide and by Custodian pursuant to the Custodial Agreement. Following receipt of such request, Buyer may in its sole discretion agree to enter into such requested Transaction,
in which case it will fund the Purchase Price therefor as contemplated in this Agreement. Buyer&#146;s funding the Purchase Price of the Transaction, and Seller&#146;s acceptance thereof, will constitute the parties agreement to enter into such
Transaction. Buyer shall confirm the terms of each Transaction on the EverBank Warehouse Electronic System, including information that sets forth (A)&nbsp;the Purchase Date, (B)&nbsp;the Purchase Price, (C)&nbsp;the Repurchase Date, (D)&nbsp;the
Pricing Rate applicable to the Transaction, (E)&nbsp;the applicable Purchase Price Percentages, and (F)&nbsp;additional terms or conditions not inconsistent with this Agreement; provided that Buyer&#146;s failure to enter the information into the
EverBank Warehouse Electronic System shall not affect the obligations of Seller with respect to such Transaction<B>. This Agreement is not a commitment by Buyer to enter into Transactions with Seller but rather sets forth the procedures to be used
in connection with periodic requests for Buyer to enter into Transactions with Seller. Seller hereby acknowledges that Buyer is under no obligation to agree to enter into, or to enter into, any Transaction pursuant to this Agreement.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) The information entered into the EverBank Warehouse Electronic System with respect to any Transaction, together with this
Agreement, shall be conclusive evidence of the terms of the Transaction(s) covered thereby unless objected to in writing by Seller no more than three (3)&nbsp;Business Days after the Purchase Date of the Transaction. An objection sent by Seller must
state specifically that such writing is an objection, must specify the provision(s) being objected to by Seller, must set forth such provision(s) in the manner that Seller believes they should be stated, and must be received by Buyer no more than
three (3)&nbsp;Business Days after the Purchase Date for the Transaction. Notwithstanding the foregoing, to the extent that Seller accepts funding of the Transaction, Seller shall be deemed to have consented to the terms of the Transaction as set
forth in the EverBank Warehouse Electronic System. All Transactions entered into on any Business Day shall be reflected in the Daily Activity Report on such Business Day. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Except as otherwise provided in the definition of Termination Date,
the Repurchase Date for each Transaction shall not be later than the Termination Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) Subject to the terms and
conditions of this Agreement, prior to the Termination Date, Seller may sell, repurchase and resell Eligible Mortgage Loans hereunder. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) No later than the date and time set forth in the Custodial Agreement, Seller shall deliver to Custodian (x)&nbsp;the
Mortgage File pertaining to each Eligible Mortgage Loan (other than Wet Mortgage Loans) to be purchased by Buyer, and (y)&nbsp;the Wet File for each Wet Mortgage Loan to be purchased by Buyer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) Upon Buyer&#146;s receipt of the Trust Receipt (accompanied by a Custodial Loan Transmission) in accordance with the
Custodial Agreement and subject to the provisions of this Section&nbsp;3, the Purchase Price will then be made available to Seller by Buyer transferring, via wire transfer, in the aggregate amount of such Purchase Price in funds immediately
available, as provided in Section&nbsp;9(b). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) In addition to the other payment and performance obligations of the
Seller Parties under this Agreement and the other Facility Documents, in the event that Buyer transfers any amounts for the purchase of a Mortgage Loan as provided herein, Seller Parties, shall be fully, absolutely, and unconditionally obligated and
liable to repay to Buyer the full amount thereof if (x)&nbsp;on the related scheduled Purchase Date such Mortgage Loan does not close, or (y)&nbsp;such Mortgage Loan otherwise fails to become a Purchased Mortgage Loan. Any amounts due pursuant to
this Section&nbsp;3(c)(vii) shall be payable on demand, and the unpaid amount thereof shall accrue interest at the Post-Default Rate from the date so transferred until paid in full. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Repurchase</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Seller may repurchase Purchased Mortgage Loans without penalty or premium on any date. If Seller intends to make such a
repurchase, Seller shall give written notice thereof to Buyer through the EverBank Warehouse Electronic System in accordance with the EverBank Warehouse Customer Guide, designating the Purchased Mortgage Loans to be repurchased and providing such
other information required pursuant thereto. If such notice is given, the amount specified in such notice shall be due and payable on the date specified therein, and, on receipt, such amount shall be applied to the Repurchase Price for the
designated Purchased Mortgage Loans. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) On the Repurchase Date, Seller&#146;s repurchase of the subject Purchased
Mortgage Loans will be effected by reassignment to Seller or its designee of such Purchased Mortgage Loans (including the related Servicing Rights and any Income in respect thereof received by Buyer not previously credited or transferred to, or
applied to the Obligations of, Seller) against the simultaneous transfer of the Repurchase Price to an account of Buyer. Such obligation to repurchase exists without regard to any prior or intervening liquidation or foreclosure with respect to any
Purchased Mortgage Loan (but liquidation or foreclosure proceeds received by Buyer shall be applied to reduce the Repurchase Price for such Purchased Mortgage Loan except as otherwise provided herein). Seller shall comply with all of the provisions
of the EverBank Warehouse Customer Guide and the Custodial Agreement in order to effectuate a repurchase hereunder. Seller is obligated to obtain the Mortgage Files from Buyer or its designee at Seller&#146;s expense on the Repurchase Date or such
other date as agreed to by the parties. All repurchases effected on any Business Day shall be reflected in the Daily Activity Report for such Business Day. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;4. MARGIN AMOUNT MAINTENANCE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Buyer shall determine the Asset Value of each Purchased Mortgage Loan at such intervals as determined by Buyer in its reasonable discretion
with notice to Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) If at any time the Asset Value of any Purchased Mortgage Loans subject to a Transaction is less than the
Purchase Price and in excess of the Margin Threshold for such Transaction, or any applicable Concentration Limit has been exceeded (a &#147;<U>Margin Deficit</U>&#148;), then Buyer may by notice to Seller (as such notice is more particularly set
forth below, a &#147;<U>Margin Call</U>&#148;), require Seller to transfer to Buyer or its designee cash so that, as applicable, (i)&nbsp;the Asset Value of the Purchased Mortgage Loans will thereupon equal or exceed the Purchase Price for such
Transaction, and (ii)&nbsp;no Concentration Limit will be exceeded. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Notice delivered pursuant to Section&nbsp;4(b) may be given by
any written or electronic means. Any notice given before 10:00 a.m. (New York City time) on a Business Day shall be met, and the related Margin Call satisfied, no later than 5:00 p.m. (New York City time) on the following Business Day; notice given
after 10:00 a.m. (New York City time) on a Business Day shall be met, and the related Margin Call satisfied, no later than 5:00 p.m. (New York City time) on the second (2nd) following Business Day (the foregoing time requirements for satisfaction of
a Margin Call are referred to as the &#147;<U>Margin Deadlines</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) The failure of Buyer, on any one or more occasions, to
exercise its rights hereunder, shall not change or alter the terms and conditions to which this Agreement is subject or limit the right of Buyer to do so at a later date. Seller and Buyer each agree that a failure or delay by Buyer to exercise its
rights hereunder shall not limit or waive Buyer&#146;s rights under this Agreement or otherwise existing by law or in any way create additional rights for Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) Any cash transferred to Buyer pursuant to Section&nbsp;4(b) above may be either credited to the Repurchase Price of the related
Transactions, or, at Buyer&#146;s option, may be placed in the Reserve Account until such time that Buyer determines, in its sole discretion, that the Margin Deficit has been eliminated, and following elimination of the Margin Deficit Buyer shall
deposit the remaining portion of the cash transfer in excess of the Minimum Reserve Amount, if any, into the Haircut Account.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;5.
COLLECTIONS; INCOME PAYMENTS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) All Income, and all rights to Income, of, on, or otherwise with respect to all Purchased Mortgage
Loans is the sole and exclusive property of Buyer as the owner thereof, pending repurchase on the related Repurchase Date. Notwithstanding the foregoing, and provided no Default has occurred and is continuing, Buyer agrees that Seller shall be
entitled to receive, solely from such Income, an amount equal to all Income received in respect of each Purchased Mortgage Loan; provided, however, that any Income received by or on behalf of Seller while the related Transaction is outstanding shall
be deemed held by Seller solely in trust for Buyer pending the repurchase on the related Repurchase Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) In the event that an Event
of Default has occurred and is continuing, notwithstanding any provision set forth herein, Seller shall remit to Buyer, by wire transfer in accordance with wire transfer instructions previously given to Seller by Buyer, all Income received with
respect to each Purchased Mortgage Loan to be applied to the Obligations in Buyer&#146;s sole discretion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) All amounts required to be
paid or remitted by Seller to Buyer in this Section&nbsp;5 which are not made when due shall bear interest from the due date until the remittance, transfer or payment is made, payable by Seller, at the lesser of the Post-Default Rate or the maximum
rate of interest permitted by law. If there is no maximum rate of interest specified by applicable law, interest on such sums shall accrue at the Post-Default Rate. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;6. REQUIREMENTS OF LAW </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) If any Requirements of Law (other than with respect to any amendment made to Buyer&#146;s certificate of incorporation and bylaws or other
organizational or governing documents) or any change in the interpretation or application thereof or compliance by Buyer with any request or directive (whether or not having the force of law) from any central bank or other Governmental Authority
made subsequent to the date hereof: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) shall subject Buyer to any Taxes (other than
<FONT STYLE="white-space:nowrap">(A)&nbsp;Non-Excluded</FONT> Taxes, (B)&nbsp;Taxes described in clauses (b)&nbsp;through (d) of the definition of Excluded Taxes and (C)&nbsp;Connection Income Taxes) with respect to this Agreement or any Transaction
or change the basis of taxation of payments to Buyer in respect thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) shall impose, modify or hold applicable any
reserve, special deposit, compulsory loan or similar requirement against assets held by, deposits or other liabilities in or for the account of, advances, or other extensions of credit by, or any other acquisition of funds by, any office of Buyer
which is not otherwise included in the determination of the SOFR Rate hereunder; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) shall impose on Buyer any other
condition; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and the result of any of the foregoing is to materially increase the cost to Buyer, of entering, continuing or maintaining any Transaction or
to reduce any amount due or owing hereunder in respect thereof, then, in any such case, Seller shall promptly pay Buyer such reasonable additional amount or amounts as calculated by Buyer in good faith as will compensate Buyer for such material
increased cost or reduced amount receivable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) If Buyer shall have determined, in good faith, that the adoption of or any change in any
Requirements of Law (other than with respect to any amendment made to Buyer&#146;s certificate of incorporation and bylaws or other organizational or governing documents) regarding capital adequacy or in the interpretation or application thereof or
compliance by Buyer or any corporation controlling Buyer with any request or directive regarding capital adequacy (whether or not having the force of law) from any Governmental Authority made subsequent to the date hereof shall have the effect of
materially reducing the rate of return on Buyer&#146;s or such corporation&#146;s capital as a consequence of its obligations hereunder to a level below that which Buyer or such corporation could have achieved but for such adoption, change or
compliance (taking into consideration Buyer&#146;s or such corporation&#146;s policies with respect to capital adequacy), then from time to time, Seller shall, at its option, either (1)&nbsp;promptly repurchase all Purchased Mortgage Loans then
subject to a Transaction or (2)&nbsp;promptly pay Buyer such additional amount or amounts as calculated by Buyer in good faith as will compensate Buyer for such increased cost or reduced amount receivable; <U>provided</U> that in making a
determination of increased cost pursuant to this Section&nbsp;6(b), Buyer shall treat Seller in substantially the same manner Buyer treats similarly situated counterparties for similar collateral; <U>provided</U>, <U>further</U>, that Seller shall
not be responsible for any amounts under this Section&nbsp;6(b) if such increased costs or reduced amount receivables are incurred by Buyer prior to the date that is one hundred eighty (180)&nbsp;days prior to Buyer&#146;s notice to a Responsible
Officer of Seller of such costs.. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) If Buyer becomes entitled to claim any additional reasonable amounts pursuant to this Section, it
shall promptly provide Seller with a certification of the event by reason of which it has become so entitled. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;7. TAXES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Any and all payments made by or on account of Seller under or in respect of this Agreement or any other Facility Documents to which Seller
is a party shall be made free and clear of, and without deduction or withholding for or on account of, any and all present or future taxes, levies, imposts, deductions, charges or withholdings, and all liabilities (including penalties, interest and
additions to Tax) with respect thereto, whether now or hereafter imposed, levied, collected, withheld or assessed by any taxation authority or other Governmental Authority (collectively, &#147;<U>Taxes</U>&#148;), unless required by any applicable
Requirements of Law. If any applicable Requirements of Law (as determined in the good faith discretion of the Seller) requires the deduction or withholding of any Taxes from or in respect of any sum payable under or in respect of this Agreement or
any of the other Facility Documents to Buyer, then Seller shall be entitled to make all such deductions and withholdings and Seller shall timely pay the full amount deducted or withheld in respect of such Taxes to the relevant taxation authority or
other Governmental Authority in accordance with any applicable Requirements of Law, and if such Tax is a <FONT STYLE="white-space:nowrap">Non-Excluded</FONT> Tax, then the sum payable by Seller shall be increased as may be necessary so that after
Seller has made all required deductions and withholdings (including deductions and withholdings applicable to additional amounts payable under this Section&nbsp;7), Buyer receives an amount equal to the sum it would have received had no such
deductions or withholdings been made in respect of such <FONT STYLE="white-space:nowrap">Non-Excluded</FONT> Taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) In addition,
Seller hereby agrees to pay any present or future stamp, recording, documentary, excise, property or value-added taxes, or similar taxes, charges or levies that arise from any payment made under or in respect of this Agreement or any other Facility
Document or from the execution, delivery or registration of, any performance under, or otherwise with respect to, this Agreement or any other Facility Document (collectively, &#147;<U>Other Taxes</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Seller hereby agrees to indemnify Buyer for, and to hold it harmless against, the full amount of
<FONT STYLE="white-space:nowrap">Non-Excluded</FONT> Taxes (including <FONT STYLE="white-space:nowrap">Non-Excluded</FONT> Taxes imposed or asserted on or attributable to amounts payable under this Section&nbsp;7) and any reasonable expenses arising
therefrom or with respect thereto. The indemnity by Seller provided for in this Section&nbsp;7(c) shall apply and be made whether or not the <FONT STYLE="white-space:nowrap">Non-Excluded</FONT> Taxes for which indemnification hereunder is sought
have been correctly or legally asserted. Amounts payable by Seller under the indemnity set forth in this Section&nbsp;7(c) shall be paid within ten (10)&nbsp;days from the date on which Buyer makes written demand therefor. A certificate as to the
amount of such payment or liability delivered to Seller by Buyer, shall be conclusive absent manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) Within thirty
(30)&nbsp;days after the date of any payment of Taxes in accordance with this Section&nbsp;7, Seller (or any Person making such payment on behalf of Seller) shall furnish to Buyer for its own account a certified copy of the original official receipt
evidencing payment thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) For purposes of subsection (e)&nbsp;of this <U>Section&nbsp;7</U>, the terms &#147;United States&#148;
and &#147;United States person&#148; shall have the meanings specified in section 7701 of the Code. Each Buyer (including for avoidance of doubt any assignee, successor or participant) that either (i)&nbsp;is not incorporated under the laws of the
United States, any State thereof, or the District of Columbia or (ii)&nbsp;whose name does not include &#147;Incorporated,&#148; &#147;Inc.,&#148; &#147;Corporation,&#148; &#147;Corp.,&#148; &#147;P.C.,&#148; &#147;N.A.,&#148; &#147;National
Association,&#148; &#147;insurance company,&#148; or &#147;assurance company&#148; (a &#147;<U><FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer</U>&#148;) shall deliver or cause to be delivered to Seller the following properly completed and
duly executed documents: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) in the case of a <FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that is not a
United States person, or is a foreign disregarded entity for U.S. federal income tax purposes that is entitled to provide such form, a complete and executed (x)&nbsp;U.S. Internal Revenue Form <FONT STYLE="white-space:nowrap">W-8BEN</FONT> or U.S.
Internal Revenue Form <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">W-8BEN-E</FONT></FONT> in which Buyer claims the benefits of a tax treaty with the United States, if applicable, providing for a zero or reduced rate of
withholding (or any successor forms thereto), including all appropriate attachments or (y)<U></U> a U.S. Internal Revenue Service Form <FONT STYLE="white-space:nowrap">W-8ECI</FONT> (or any successor forms thereto); or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) in the case of an individual, (x)&nbsp;a complete and executed U.S.
Internal Revenue Service Form <FONT STYLE="white-space:nowrap">W-8BEN</FONT> (or any successor forms thereto) and, if applicable, a certificate substantially in the form of <U>Exhibit C</U> (a &#147;<U>Section&nbsp;7 Certificate</U>&#148;) or
(y)&nbsp;a complete and executed U.S. Internal Revenue Service Form <FONT STYLE="white-space:nowrap">W-9</FONT> (or any successor forms thereto); or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) in the case of a <FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that is organized under the laws of the United
States, any State thereof, or the District of Columbia, a complete and executed U.S. Internal Revenue Service Form <FONT STYLE="white-space:nowrap">W-9</FONT> (or any successor forms thereto), including all appropriate attachments; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) in the case of a <FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that (x)&nbsp;is not organized under the laws of
the United States, any State thereof, or the District of Columbia and (y)&nbsp;is treated as a corporation for U.S. federal income tax purposes, a complete and executed U.S. Internal Revenue Service Form <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">W-8BEN-E</FONT></FONT> (or any successor forms thereto) and, if applicable, a Section&nbsp;7 Certificate; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) in the case of a <FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that (A)&nbsp;is treated as a partnership or
other <FONT STYLE="white-space:nowrap">non-corporate</FONT> entity, and (B)&nbsp;is not organized under the laws of the United States, any State thereof, or the District of Columbia, (x)(i) a complete and executed U.S. Internal Revenue Service Form <FONT
STYLE="white-space:nowrap">W-8IMY</FONT> (or any successor forms thereto) (including all required documents and attachments) and (ii)&nbsp;if applicable, a Section&nbsp;7 Certificate, and (y)&nbsp;without duplication, with respect to each of its
beneficial owners and the beneficial owners of such beneficial owners looking through chains of owners to individuals or entities that are treated as corporations for U.S. federal income tax purposes (all such owners, &#147;<U>beneficial
owners</U>&#148;), the documents that would be provided by each such beneficial owner pursuant to this Section if such beneficial owner were Buyer; <U>provided</U>, <U>however</U>, that no such documents will be required with respect to a beneficial
owner to the extent the actual Buyer is determined to be in compliance with the requirements for certification on behalf of its beneficial owner as may be provided in applicable U.S. Treasury regulations, or the requirements of this clause
(v)&nbsp;are otherwise determined to be unnecessary; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) in the case of a
<FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that is disregarded for U.S. federal income tax purposes, the document that would be provided by its beneficial owner pursuant to this Section if such beneficial owner were Buyer; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) in the case of a <FONT STYLE="white-space:nowrap">Non-Exempt</FONT> Buyer that (A)&nbsp;is not a United States person and
(B)&nbsp;is acting in the capacity as an &#147;intermediary&#148; (as defined in U.S. Treasury Regulations), (x)(i) a U.S. Internal Revenue Service Form <FONT STYLE="white-space:nowrap">W-8IMY</FONT> (or any successor form thereto) (including all
required documents and attachments) and (ii)&nbsp;if applicable, a Section&nbsp;7 Certificate, and (y)&nbsp;if the intermediary is a <FONT STYLE="white-space:nowrap">&#147;non-qualified</FONT> intermediary&#148; (as defined in U.S. Treasury
Regulations), from each person upon whose behalf the <FONT STYLE="white-space:nowrap">&#147;non-qualified</FONT> intermediary&#148; is acting the documents that would be provided by each such person pursuant to this Section if each such person were
Buyer. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(viii) if a payment made to a Buyer under any Facility Document would be subject to U.S. federal withholding Tax
imposed by FATCA if such Buyer were to fail to comply with the applicable reporting requirements of FATCA (including those contained in Section&nbsp;1471(b) or 1472(b) of the Code, as applicable), such Buyer shall deliver to the Seller at the time
or times prescribed by applicable law and at such time or times reasonably requested by the Seller such documentation prescribed by Requirements of Law (including as prescribed by Section </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

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1471(b)(3)(C)(i) of the Code) and such additional documentation reasonably requested by the Seller as may be necessary for the Seller to comply with their obligations under FATCA and to determine
that such Buyer has complied with such Buyer&#146;s obligations under FATCA or to determine the amount, if any, to deduct and withhold from such payment. Solely for purposes of this clause (viii), &#147;FATCA&#148; shall include any amendments made
to FATCA after the date of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each Buyer agrees that if any form or certification it previously delivered expires or becomes
obsolete or inaccurate in any respect, it shall update such form or certification or promptly notify the Seller in writing of its legal inability to do so. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) If any party determines, in its sole discretion exercised in good faith, that it has received a refund of any Taxes as to which it has
been indemnified pursuant to this Section&nbsp;7 (including by the payment of additional amounts pursuant to this Section&nbsp;7), it shall pay to the indemnifying party an amount equal to such refund (but only to the extent of indemnity payments
made under this Section&nbsp;7 with respect to the Taxes giving rise to such refund), net of all <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses (including Taxes) of such indemnified party and
without interest (other than any interest paid by the relevant Governmental Authority with respect to such refund). Such indemnifying party, upon the request of such indemnified party, shall repay to such indemnified party the amount paid over
pursuant to this paragraph&nbsp;(f) (plus any penalties, interest or other charges imposed by the relevant Governmental Authority) in the event that such indemnified party is required to repay such refund to such Governmental Authority.
Notwithstanding anything to the contrary in this paragraph&nbsp;(f), in no event will the indemnified party be required to pay any amount to an indemnifying party pursuant to this paragraph&nbsp;(f) the payment of which would place the indemnified
party in a less favorable net <FONT STYLE="white-space:nowrap">after-Tax</FONT> position than the indemnified party would have been in if the Tax subject to indemnification and giving rise to such refund had not been deducted, withheld or otherwise
imposed and the indemnification payments or additional amounts with respect to such Tax had never been paid. This paragraph shall not be construed to require any indemnified party to make available its Tax returns (or any other information relating
to its Taxes that it deems confidential) to the indemnifying party or any other Person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) Without prejudice to the survival of any
other agreement of Seller hereunder, the agreements and obligations of Seller contained in this Section&nbsp;7 shall survive the termination of this Agreement. Nothing contained in this Section&nbsp;7 shall require Buyer to make available any of its
tax returns or any other information that it deems to be confidential or proprietary. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;8. SECURITY INTEREST; BUYER&#146;S APPOINTMENT AS <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">ATTORNEY-IN-FACT</FONT></FONT> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Security Interest</U>. On each
Purchase Date, Seller hereby sells, assigns and conveys all rights, title, and interests in, to, and under the Purchased Mortgage Loans identified on the related Mortgage Loan Schedule or as to which Buyer otherwise pays the Purchase Price as
provided herein, including the related Mortgage File and Servicing Rights and all Income therefrom. Although the parties intend that all Transactions hereunder be sales and purchases and not loans, in the event any such Transactions are deemed to be
loans, and, in any event, as security for the performance by Seller of its Obligations, Seller hereby pledges to Buyer and hereby grants, assigns and pledges to Buyer a fully perfected first priority security interest in all of the Seller&#146;s
right, title, and interest in, to, and under the following, in all instances whether now owned or hereafter acquired, now existing or hereafter created and wherever located (collectively, the &#147;<U>Repurchase Assets</U>&#148;): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) the Purchased Mortgage Loans; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) the Mortgage File and Records related to the Purchased Mortgage Loans;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) all Servicing Rights related to the Purchased Mortgage Loans; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) the Facility Documents (to the extent such Facility Documents and Seller&#146;s rights thereunder relate to the Purchased
Mortgage Loans); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) any Property relating to any Purchased Mortgage Loan or the related Mortgaged Property; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) [reserved]; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) any Closing Protection Letter relating to any Purchased Mortgage Loan; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(viii) all insurance policies and insurance proceeds relating to any Purchased Mortgage Loan or the related Mortgaged Property,
including, but not limited to, any payments or proceeds under any related primary insurance or hazard insurance; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ix) all
Income relating to any Purchased Mortgage Loan; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x) the Inbound Account; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xi) the Haircut Account; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xii) [reserved]; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xiii) any other contract rights, accounts, deposit accounts (including any interest of Seller in escrow accounts), payments,
rights to payment (including payments of interest or finance charges), and general intangibles to the extent that any of the foregoing relates to any Purchased Mortgage Loan, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xiv) any other assets to the extent relating to the Purchased Mortgage Loans (including, without limitation, any other deposit
accounts) or any interest in the Purchased Mortgage Loans; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xv) any and all replacements or substitutions for, proceeds
(including the related securitization proceeds) of, and distributions on or with respect to any of the foregoing related to the Purchased Mortgage Loans; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xvi) [reserved]; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xvii) the Reserve Amount and the Reserve Account; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xviii) any other property, rights, title or interests as are specified on a Mortgage Loan Schedule and/or Transaction Request
and/or in the EverBank Warehouse Electronic System to the extent related to the Purchased Mortgage Loans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller acknowledges that it has
no rights to service the Purchased Mortgage Loans prior to the time repurchased by Seller. Without limiting the generality of the foregoing and in the event that Seller is deemed to retain any residual Servicing Rights, and for the avoidance of
doubt, Seller grants, assigns and pledges to Buyer a security interest in the Servicing Rights and proceeds related thereto and in all instances, whether now owned or hereafter acquired, now existing or hereafter created prior to the time
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

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repurchased by Seller. The foregoing provision is intended to constitute a security agreement or other arrangement or other credit enhancement related to the Agreement and Transactions hereunder
as defined under Sections 101(47)(v) and 741(7)(x) of the Bankruptcy Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller hereby authorizes Buyer to file such financing
statement or statements relating to the Repurchase Assets and the Servicing Rights as Buyer, at its option, may deem appropriate, without the signature of Seller thereon. Seller shall pay the filing costs for any financing statement or statements
prepared pursuant to this Section&nbsp;8. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Buyer&#146;s Appointment as Attorney in Fact</U>. Seller shall execute and deliver a
Power of Attorney on the date hereof substantially similar to the one attached hereto as Exhibit&nbsp;B. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller also authorizes Buyer, if
an Event of Default shall have occurred, from time to time, to execute, in connection with any sale provided for in Section&nbsp;14 hereof, any endorsements, assignments or other instruments of conveyance or transfer with respect to the Repurchase
Assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The powers conferred on Buyer hereunder are solely to protect Buyer&#146;s interests in the Repurchase Assets and shall not
impose any duty upon it to exercise any such powers. Buyer shall be accountable only for amounts that it actually receives as a result of the exercise of such powers, and neither it nor any of its officers, directors, employees or agents shall be
responsible to Seller for any act or failure to act hereunder, except for its or their own gross negligence or willful misconduct. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Upon
an Event of Default, Buyer shall be entitled to all remedies available to a secured creditor under the Uniform Commercial Code and shall have the right to apply the Repurchase Assets or any proceeds therefrom to all Obligations. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;9. PAYMENT, TRANSFER; ACCOUNTS AND CUSTODY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Transfer of Funds</U>. Unless otherwise mutually agreed in writing, all transfers of funds to be made by Seller hereunder shall be made
in Dollars, in immediately available funds, without deduction, set off or counterclaim, to Buyer at the account maintained and indicated by Buyer not later than 5:00 p.m. New York City time, on the date on which such payment shall become due (and
each such payment made after such time shall be deemed to have been made on the next succeeding Business Day). Seller acknowledges that it has no rights of withdrawal from the foregoing account. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Remittance of Purchase Price</U>. On the Purchase Date for each Transaction, ownership of the Purchased Mortgage Loans shall be
transferred to Buyer or its designee against the simultaneous transfer of the Purchase Price to the Seller. With respect to the Purchased Mortgage Loans being sold by Seller on a Purchase Date, Seller hereby sells, transfers, conveys and assigns to
Buyer or its designee without recourse, but subject to the terms of this Agreement, all of the right, title and interest of Seller in and to the Purchased Mortgage Loans, including the related Mortgage File and Servicing Rights and all Income
thereon, and all right, title, and interest of Seller in and to the proceeds of any related Repurchase Assets. Buyer may confirm that the Initial Haircut Account Funded Amount has been deposited into the Haircut Account prior to its remittance of
any amounts in accordance herewith. Subject to Buyer&#146;s verification of necessary cleared funds in the Haircut Account, Buyer shall remit to the Seller the full amount of the outstanding principal balance of such Purchased Mortgage Loan and
shall withdraw and retain from the Haircut Account, the Haircut Amount. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Reserve Account</U>. Seller shall establish and maintain a Reserve Account identified
in the Pricing Letter, in the form of a deposit account. Buyer shall have exclusive withdrawal rights from such Reserve Account. The Reserve Account shall be established with Buyer. On or prior to the initial Purchase Date, Seller shall deposit an
amount equal to the Minimum Reserve Amount. Funds deposited in the Reserve Account may be transferred as set forth herein. Any interest or other earnings on the investment of funds held in the Reserve Account shall be deposited in the Reserve
Account, subject to withdrawal pursuant hereto. The Reserve Amount shall be held as cash margin and collateral for all Obligations under this Agreement. Without limiting the generality of the foregoing, in the event that a Margin Call or other
Default exists, Buyer shall be entitled to use any or all of the Reserve Amount to cure such circumstance or otherwise exercise remedies available to Buyer without prior notice to, or consent from, Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Inbound Account</U>. Seller shall establish and maintain an Inbound Account identified in the Pricing Letter, in the form of a deposit
account. The Inbound Account shall be established with Buyer. Buyer shall have exclusive withdrawal rights from such Inbound Account. Funds deposited in the Inbound Account may be transferred as set forth herein. Any interest or other earnings on
the investment of funds held in the Inbound Account shall be deposited in the Inbound Account, subject to withdrawal pursuant hereto. All amounts on deposit in the Inbound Account shall be held as cash margin and collateral for all Obligations under
this Agreement (such amount, to the extent not applied to Obligations under the Agreement, the &#147;<U>Repurchase Proceeds</U>&#148;). Seller shall be required to comply with all requirements in connection with any repurchase and remittance into
the Inbound Account. Upon receipt of any Repurchase Proceeds in the Inbound Account, Buyer shall apply such Repurchase Proceeds to the Repurchase Price for the related Purchased Mortgage Loans. Any Repurchase Proceeds in excess of the Repurchase
Price for the related Purchased Mortgage Loans shall be remitted to the Haircut Account, for application as contemplated pursuant to Section&nbsp;9(e). Without limiting the generality of the foregoing, in the event that a Margin Call or other
Default exists, Buyer shall be entitled to use any or all of the Repurchase Proceeds to cure such circumstance or otherwise exercise remedies available to Buyer without prior notice to, or consent from, Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Haircut Account</U>. Seller shall establish and maintain a Haircut Account identified in the Pricing Letter, in the form of a deposit
account. The Haircut Account shall be established with Buyer . Buyer shall have exclusive withdrawal rights from such Haircut Account and Buyer is hereby authorized and instructed by Seller to withdraw from the Haircut Account any and all amounts
contemplated herein. Any interest or other earnings on the investment of funds held in the Haircut Account shall be deposited in the Haircut Account, subject to withdrawal pursuant hereto. On each Purchase Date, Seller shall deposit the Initial
Haircut Account Funded Amount into the Haircut Account. Upon purchase by Buyer of the related Purchased Mortgage Loan, Buyer shall withdraw from the Haircut Account the Haircut Amount to reimburse itself for the difference between the actual amount
remitted by Buyer on the Purchase Date on account of the Purchased Mortgage Loan and the Purchase Price for such Purchased Mortgage Loan. Upon repurchase by Seller of any Purchased Mortgage Loan, if there remain on deposit in the Inbound Account
Excess Proceeds with respect to such Mortgage Loan, then Buyer shall withdraw the Excess Proceeds from the Haircut Account and such Excess Proceeds shall be added to the Net Account Funded Amount for such Mortgage Loan. Upon repurchase by Seller of
any Purchased Mortgage Loan, if there exists in the Inbound Account Shortfall Proceeds with respect to such Mortgage Loan, then Buyer may withdraw from the Haircut Account the amount of any Shortfall Proceeds and such amount shall be deducted from
the Net Account Funded Amount. In addition to the foregoing, Buyer shall be entitled to deduct and withdraw from the Haircut Account all Warehouse Fees. To the extent that, following application of all deposits and withdrawals as contemplated herein
with respect to a Purchased Mortgage Loan that is repurchased by Seller, (i)&nbsp;the Net Account Funded Amount for any such Mortgage Loan is a positive number, then such Net Account Funded Amount for such Mortgage Loan shall, subject to this
section, be available for remittance to Seller upon written request therefor; and (ii)&nbsp;the Net Account Funded Amount for any such repurchased Mortgage Loan is a negative number, then Seller shall promptly remit to Buyer the amount of such Net
Account Funded Amount for such Mortgage Loan. Without limiting the foregoing, to the extent that the Net Account Funded Amount for any repurchased Mortgage Loan is a negative number, Buyer </P>
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shall be entitled to withdraw, retain and apply any amounts on deposit in the Haircut Account up to the amount of such negative Net Account Funded Amount. To the extent that the aggregate Net
Account Funded Amounts (net of any amounts withdrawn as contemplated herein) for all repurchased Mortgage Loans exceeds the Surplus Amount, then Seller may, no more than once per Business Day, deliver a written request prior to 4:00 p.m. (New York
Time) for Buyer to remit any amount in excess of the Surplus Amount to Seller. To the extent that there exists no Default, Buyer shall, upon receipt of such written request, remit any such amount in excess of the Surplus Amount to Seller. Any
interest or other earnings on the investment of funds deposited in the Haircut Account shall be deposited in the Haircut Account, subject to withdrawal pursuant hereto. Without limiting the generality of the foregoing, in the event that a Margin
Call or other Default exists, Buyer shall be entitled to use any or all of the amounts on deposit in the Haircut Account to cure such circumstance or otherwise exercise remedies available to Buyer without prior notice to, or consent from, Seller...
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <U>Fees</U>. Seller shall pay in immediately available funds to Buyer and Custodian all reasonable fees, including without
limitation, the Warehouse Fees, as and when required hereunder and under the Custodial Agreement. All such payments shall be made in Dollars, in immediately available funds, without deduction, <FONT STYLE="white-space:nowrap">set-off</FONT> or
counterclaim, to Buyer at such account designated by Buyer. Without limiting the generality of the foregoing or any other provision of this Agreement, Buyer may withdraw and retain from the Haircut Account any Warehouse Fees due and owing to Buyer.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;10. DELIVERY OF DOCUMENTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Custody of Mortgage Files</U>. In connection with the sale, transfer, conveyance and assignment of Purchased Mortgage Loans, on or prior
to each Purchase Date, Seller shall deliver or cause to be delivered and released to Custodian, as custodian for Buyer, the Mortgage File or Wet File, as applicable for the related Purchased Mortgage Loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller shall be solely responsible for providing each and every document required for each Mortgage File to Custodian in a timely manner and
for completing or correcting any missing, incomplete or inconsistent documents, and neither Custodian nor Buyer shall be responsible or liable for taking any such action, causing Seller or any other person or entity to do so or notifying any Person
that any such action has or has not been taken. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Release of Mortgage Files</U>. From time to time as appropriate for the sale or
repurchase of any of the Purchased Mortgage Loans, provided that no Default or Event of Default shall have occurred and be continuing, Buyer shall, upon receipt of a request for release through the EverBank Warehouse Electronic System and compliance
with the requirements of the EverBank Warehouse Customer Guide and the Custodial Agreement, release or cause Custodian to release to Seller the related Mortgage File or the documents of the related Mortgage File set forth in such request for
release. All Mortgage Files or documents from Mortgage Files so released to Seller shall be held by Seller in trust for the benefit of Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In connection with the payment in full, sale or repurchase of any Mortgage Loan, and upon receipt by Buyer of such information through the
EverBank Warehouse Electronic System, and subject to Buyer receiving all amounts due on account of the Repurchase Price hereunder, and there existing no Default or Event of Default, Buyer shall promptly release or cause the Custodian to release the
related Mortgage File to Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">[Reserved]. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Written Instructions as to the method of shipment and shipper(s) that Custodian is
directed to utilize in connection with transmission of Mortgage Files shall be delivered by Seller to Custodian and Buyer as required by the Custodial Agreement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;11. REPRESENTATIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">As to
representations and warranties concerning Seller, Seller represents and warrants to Buyer that such representations and warranties are in full force and effect as of the date of this Agreement through and until the date on which all Obligations of
Seller under this Agreement are fully satisfied. As to representation and warranties concerning Purchased Mortgage Loans, Seller represents and warrants to Buyer that such representations and warranties are in full force and effect as of the
Purchase Date through and until the Repurchase Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Acting as Principal</U>. Seller will engage in such Transactions as principal
(or, if agreed in writing in advance of any Transaction by the other party hereto, as agent for a disclosed principal). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>No
Broker</U>. Seller has not dealt with any broker, investment banker, agent, or other person, except for Buyer, who may be entitled to any commission or compensation based on or arising from the sale of Purchased Mortgage Loans by Seller to Buyer
pursuant to this Agreement. The foregoing representation and warranty does not relate to third party mortgage brokers to whom compensation may be payable by Seller for the origination of a Purchased Mortgage Loan, such payments being the sole
responsibility of Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Financial Statements</U>. Each Financial Reporting Party has furnished to Buyer a copy of its
consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for the fiscal year ended the Annual Financial Statement Date and the related consolidated statements of income and retained earnings and of cash flows
for the Financial Reporting Party and its consolidated Subsidiaries for such fiscal year, setting forth in each case in comparative form the figures for the previous year, with the opinion thereon of an Approved CPA and Seller has furnished to Buyer
a copy of its consolidated balance sheet and the consolidated balance sheets of its consolidated Subsidiaries for each of the monthly period(s) of the Seller up until Monthly Financial Statement Date, and each Financial Reporting Party has furnished
a copy of the related consolidated statements of income and retained earnings and of cash flows for the Financial Reporting Party and its consolidated Subsidiaries for such monthly period(s) for the Seller and such quarterly periods for the
Guarantor, setting forth in each case in comparative form the figures for the previous year. All such Financial Statements are complete and correct and fairly present, in all material respects, the consolidated financial condition of the Financial
Reporting Party and its Subsidiaries and the consolidated results of their operations as at such dates and for such monthly or quarterly periods, as applicable, all in accordance with GAAP applied on a consistent basis. Since the Annual Financial
Statement Date until the Effective Date, there has been no material adverse change in the consolidated business, operations or financial condition of any Financial Reporting Party and its consolidated Subsidiaries taken as a whole from that set
forth in said Financial Statements nor is any Financial Reporting Party aware of any state of facts which (without notice or the lapse of time) would or could result in any such material adverse change or could have a Material Adverse Effect. The
Financial Reporting Party does not have, on the Annual Financial Statement Date, any liabilities, direct or indirect, fixed or contingent, matured or unmatured, known or unknown, or liabilities for taxes, long-term leases or unusual forward or
long-term commitments not disclosed by, or reserved against in, said balance sheet and related statements, and at the present time there are no material unrealized or anticipated losses from any loans, advances or other commitments of the Financial
Reporting Party except as heretofore disclosed to Buyer in writing. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Organization, Etc</U>. Seller (i)&nbsp;is duly organized, validly existing and in
good standing under the laws of the jurisdiction of its organization, (ii)&nbsp;has all requisite corporate or other power, and has all governmental licenses, authorizations, consents and approvals necessary to own its assets and carry on its
business as now being conducted, except where the lack of such licenses, authorizations, consents and approvals would not be reasonably likely to have a Material Adverse Effect; (iii)&nbsp;is qualified to do business and is in good standing in all
other jurisdictions in which the nature of the business conducted by it makes such qualification necessary, except where failure so to qualify would not be reasonably likely (either individually or in the aggregate) to have a Material Adverse
Effect; and (iv)&nbsp;has full power and authority to execute, deliver and perform its obligations under the Facility Documents. Schedule 4 to the Pricing Letter lists all holders of stock of and other equity interests in Seller which is not an
individual, and the amounts and types of shares held by each of them. Except as set forth on Schedule 4 to the Pricing Letter, there are no agreements of any kind relating to the issuance of any shares of Seller which is not an individual or trust,
or any convertible or exchangeable securities or any options, warrants or other rights relating to the stock of or other equity interests in any such Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Authorization, Compliance, Approvals</U>. The execution and delivery of, and the performance by Seller of its obligations under, the
Facility Documents (a)&nbsp;are within Seller&#146;s powers, (b)&nbsp;have been duly authorized by all requisite action, (c)&nbsp;do not violate any provision of any applicable Requirements of Law, rule or regulation, or any order, writ, injunction
or decree of any court or other Governmental Authority that Seller is subject to, or its organizational documents (except where any <FONT STYLE="white-space:nowrap">non-compliance</FONT> would not result in a Material Adverse Effect), (d) do not
violate any indenture, agreement, document or instrument to which Seller is a party, or by which any of them or any of their properties, any of the Repurchase Assets is bound or to which any of them is subject and (e)&nbsp;are not in conflict with,
do not result in a breach of, or constitute (with due notice or lapse of time or both) a default under, or except as may be provided by any Facility Document, result in the creation or imposition of any Lien upon any of the property or assets of
Seller pursuant to, any such indenture, agreement, document or instrument. Seller is not required to obtain any consent, approval or authorization from, or to file any declaration or statement with, any Governmental Authority in connection with or
as a condition to the consummation of the Transactions contemplated herein and the execution, delivery or performance of the Facility Documents to which it is a party. With respect to any and all Records or Electronic Records submitted or
transmitted to Buyer in connection with a Transaction hereunder, including, but not limited to, fax copies of Records or Electronic Records, Seller represents and warrants that any party who submitted or transmitted Records or Electronic Records or
who submitted or transmitted Records or Electronic Records containing Seller&#146;s signature or Seller&#146;s Electronic Signature was authorized to do so. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <U>Litigation</U>. Except as described in Schedule 7 to the Pricing Letter, there is no Litigation affecting either Seller Party or
affecting any of the Repurchase Assets or any of the other properties of Seller before any Governmental Authority which (i)&nbsp;questions or challenges the validity or enforceability of the Facility Documents or any action to be taken in connection
with the transactions contemplated hereby, (ii)&nbsp;makes a claim or claims in an aggregate amount greater than the Litigation Threshold, (iii)&nbsp;individually or in the aggregate, if adversely determined, would have a Material Adverse Effect, or
(iv)&nbsp;requires filing with the SEC in accordance with its regulations or (v)&nbsp;relates to any violation of the Home Ownership and Equity Protection Act or any state, city or district high cost home mortgage or predatory lending law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) <U>Purchased Mortgage Loans</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions of this Agreement are effective to either constitute a sale of Repurchase Assets to Buyer or to create in favor of Buyer a
valid security interest in all right, title and interest of Seller in, to and under the Repurchase Assets. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) <U>Proper Names; Chief Executive Office/Jurisdiction of Organization</U>. Seller does
not operate in any jurisdiction under a trade name, division name or name other than those names previously disclosed in writing by Seller to Buyer. Seller&#146;s jurisdiction of organization is as set forth in the Pricing Letter. On the Effective
Date, Seller&#146;s chief executive office is located at: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Radian Mortgage Capital LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">1700 N. Lincoln St., Suite 2500 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Denver, CO 80203 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)
<U>Location of Books and Records</U>. The Seller&#146;s books and records, including electronic related to the Repurchase Assets are accessible at its chief executive office. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j) <U>Enforceability</U>. This Agreement and all of the other Facility Documents respectively executed and delivered by a Seller Party in
connection herewith are legal, valid and binding obligations of such Seller Party and are enforceable against each Seller Party in accordance with their terms, except as such enforceability may be limited by (i)&nbsp;the effect of any applicable
bankruptcy, insolvency, reorganization, moratorium or similar Requirements of Law affecting creditors&#146; rights generally, and (ii)&nbsp;general principles of equity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k) <U>Ability to Perform</U>. Seller does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every
covenant of Seller contained in the Facility Documents to which it is a party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l) <U>No Default</U>. No Default or Event of Default has
occurred and is continuing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m) <U>No Adverse Selection</U>. Seller has selected the Purchased Mortgage Loans in a manner consistent with
which it selects mortgage loans (which mortgage loans meet the credit requirements set forth in this Agreement) for inclusion on similar mortgage loan warehouse facilities with similarly situated lenders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n) <U>Debt for Borrowed Money</U>. All credit facilities, repurchase facilities or substantially similar facilities or other debt for
borrowed money of Seller (the &#147;<U>Debt for Borrowed Money Arrangements</U>&#148;) which are presently in effect and/or outstanding are listed on Schedule 2 to the Pricing Letter (or listed in a compliance certificate provided in the form of
<U>Exhibit&nbsp;A</U> to the Pricing Letter if entered into after the Effective Date) and events of default exist thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o)
<U>Accurate and Complete Disclosure</U>. The information, reports, Financial Statements, exhibits and schedules furnished in writing by or on behalf of each Seller Party to Buyer in connection with the negotiation, preparation, delivery or
performance of this Agreement or the other Facility Documents when taken as a whole, do not contain any untrue statement of material fact or omit to state any material fact necessary to make the statements herein or therein, in light of the
circumstances under which they were made, not misleading. There is no fact known to a Seller Party, after due inquiry, that would reasonably be expected to have a Material Adverse Effect that has not been disclosed herein, in the other Facility
Documents or in a report, Financial Statement, exhibit, schedule, disclosure letter or other writing furnished to Buyer for use in connection with the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p) <U>Margin Regulations</U>. The use of all funds acquired by Seller under this Agreement will not conflict with or contravene any of
Regulations T, U or X promulgated by the Board of Governors of the Federal Reserve System as the same may from time to time be amended, supplemented or otherwise modified. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(q) <U>Investment Company</U>. No Seller Party is not an &#147;investment company&#148; or a
company &#147;controlled&#148; by an &#147;investment company&#148; within the meaning of the Investment Company Act of 1940, as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(r) <U>Solvency</U>. As of the date hereof and immediately after giving effect to each Transaction, the fair value of the assets of Seller is
greater than the fair value of the liabilities (including, without limitation, contingent liabilities if and to the extent required to be recorded as a liability on the Financial Statements of Seller in accordance with GAAP) of Seller and Seller is
solvent and, after giving effect to the transactions contemplated by this Agreement and the other Facility Documents, will not be rendered insolvent or left with an unreasonably small amount of capital with which to conduct its business and perform
its obligations. Seller does not intend to incur, nor does it believe that it has incurred, debts beyond its ability to pay such debts as they mature. Seller is not contemplating the commencement of an insolvency, bankruptcy, liquidation, or
consolidation proceeding or the appointment of a receiver, liquidator, conservator, trustee, or similar official in respect of itself or any of its property. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(s) <U>ERISA</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Except as would not otherwise result in a Material Adverse Effect, no Event of ERISA Termination has occurred or exists
with respect to any Plan or Multiemployer Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) Each Plan is in compliance with the applicable provisions of ERISA
and the Code, except where the failure to comply would not result in any Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Neither Seller nor
any ERISA Affiliate has incurred a tax liability under Chapter 43 of the Code or a penalty under Section&nbsp;502 of ERISA which has not been paid in full, except where the incurrence of such tax or penalty would not result in a Material Adverse
Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(t) <U>Taxes</U>. Seller has timely filed all tax returns that are required to be filed by it and has timely paid all Taxes due,
except for any such Taxes as are being appropriately contested in good faith by appropriate proceedings diligently conducted and with respect to which adequate reserves have been provided. There are no Liens for Taxes, except for statutory liens for
Taxes not yet due and payable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(u) <U>No Reliance</U>. Seller has made its own independent decisions to enter into the Facility Documents
and each Transaction and as to whether such Transaction is appropriate and proper for it based upon its own judgment and upon advice from such advisors (including without limitation, legal counsel and accountants) as it has deemed necessary. Seller
is not relying upon any advice from Buyer or Custodian as to any aspect of the Transactions, including without limitation, the legal, accounting or tax treatment of such Transactions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) <U>Plan Assets</U>. Seller is not an employee benefit plan as defined in Section&nbsp;3(3) of Title I of ERISA, or a plan described in
Section&nbsp;4975(e)(1) of the Code, and the Purchased Mortgage Loans are not &#147;plan assets&#148; within the meaning of 29 CFR <FONT STYLE="white-space:nowrap">&#167;2510.3-101,</FONT> as modified by Section&nbsp;3(42) of ERISA, in Seller&#146;s
hands and transactions by or with Seller are not subject to any state or local statute regulating investments of, or fiduciary obligations with respect to governmental plans within the meaning of Section&nbsp;3(32) of ERISA. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(w) <U>Agency and Governmental Authority Approvals</U>. Seller is approved by those Agencies and Governmental Authorities set forth on
Schedule 8 to the Pricing Letter for the origination, sale, and/or servicing of Mortgage Loans as set forth on Schedule 8 to the Pricing Letter. In each such case, Seller is in good standing, with no event having occurred including, without
limitation, a change in insurance coverage, which would either make Seller unable to comply with the eligibility requirements for maintaining all such applicable approvals or require notification to the relevant Agency or Governmental Authority.
</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x) <U>Ability to Service Mortgage Loans; Servicing Agreements</U>. Seller and/or Servicer
has adequate financial standing, servicing facilities, procedures and experienced personnel necessary (including by way of subservicing arrangements and other vendor contracts) for the sound servicing of mortgage loans of the same types as may from
time to time constitute Purchased Mortgage Loans and in accordance with Accepted Servicing Practices. Seller is not a party to any servicing agreements with respect to any of its Mortgage Loans except as set forth on Schedule 5 to the Pricing
Letter. Except as set forth on Schedule 5 of the Pricing Letter, no Purchased Mortgage Loans will be subject to any other servicing agreements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(y) <U>Anti-Money Laundering Laws</U>. Seller has complied with all applicable anti-money laundering laws and regulations, including without
limitation the USA Patriot Act of 2001 (collectively, the &#147;<U>Anti-Money Laundering Laws</U>&#148;); Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite
due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to
purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(z) <U>No Prohibited Persons</U>. Neither Seller Party nor its officers or directors is an entity or person (or to such Seller Party&#146;s
knowledge, owned or controlled by an entity or person): (i) that is listed in the Annex to, or is otherwise subject to the provisions of Executive Order 13224 issued on September&nbsp;24, 2001 (&#147;<U>EO13224</U>&#148;); (ii) whose name appears on
the United States Treasury Department&#146;s Office of Foreign Assets Control (&#147;<U>OFAC</U>&#148;) most current list of &#147;Specifically Designated National and Blocked Persons&#148; (which list may be published from time to time in various
mediums including, but not limited to, the OFAC website, http:www.treas.gov/ofac/t11sdn.pdf); (iii) who commits, threatens to commit or supports &#147;terrorism&#148;, as that term is defined in EO13224; or (iv)&nbsp;who is otherwise affiliated with
any entity or person listed above (any and all parties or persons described in clauses (i)&nbsp;through (iv) above are herein referred to as a &#147;<U>Prohibited Person</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(aa) <U>Hedging</U>. Seller has established a formal hedging policy and program, which is managed by an Approved Hedging Manager. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(bb) <U>Subordinated Debt</U>. If Seller has any Subordinated Debt, Seller has provided Buyer with true and complete copies of all documents
evidencing such Subordinated Debt. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;12. COVENANTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">On and as of the date of this Agreement and each Purchase Date and at all times until this Agreement is no longer in force, Seller covenants as
follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Preservation of Existence; Compliance with Law</U>. Seller shall: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Preserve and maintain its legal existence and all of its material rights, privileges, licenses and franchises necessary for
the operation of its business; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) Comply with the requirements of all applicable Requirements of Law,
rules, regulations and orders, whether now in effect or hereafter enacted or promulgated by any applicable Governmental Authority (including, without limitation, all environmental laws), unless any such
<FONT STYLE="white-space:nowrap">non-compliance</FONT> would not result in losses to the Seller greater than $5,000,000 in the aggregate; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Maintain all licenses, permits or other approvals necessary for Seller to conduct its business and to perform its
obligations under the Facility Documents, and conduct its business strictly in accordance with applicable Requirements of Law, except for any <FONT STYLE="white-space:nowrap">non-compliance</FONT> that would not result in a Material Adverse Effect;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) Keep adequate records and books of account, in which complete entries will be made in accordance with GAAP
consistently applied; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) Permit representatives of Buyer, upon reasonable notice (unless an Event of Default shall
have occurred and is continuing, in which case, no prior notice shall be required), during normal business hours, to examine its books and records, to inspect any of its Properties, and to discuss its business and affairs with its officers, all to
the extent reasonably requested by Buyer, subject to the provisions set forth in Section&nbsp;17 hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Taxes</U>. Seller shall
timely file all tax returns that are required to be filed by it and shall timely pay all Taxes due, except for any such Taxes as are being appropriately contested in good faith by appropriate proceedings diligently conducted with respect to which
adequate reserves have been provided. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Notice of Proceedings or Material Adverse Effect</U>. Seller shall give notice to Buyer of
any of the following within the specified time: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Within one (1)&nbsp;Business Day after a Responsible Officer of Seller
has any knowledge of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(A) the occurrence of any Default or Event of Default; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(B) any (x)&nbsp;default or event of default under any Indebtedness of a Seller, (y)&nbsp;litigation, investigation,
regulatory action or proceeding that is pending or threatened by or against a Seller in any federal or state court or before any Governmental Authority which, if not cured or if adversely determined, would reasonably be expected to have a Material
Adverse Effect or constitute a Default or Event of Default, or (z)&nbsp;Material Adverse Effect with respect to any Seller Party; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(C) any litigation or proceeding that is pending or threatened (x)&nbsp;against Seller in which the amount involved exceeds
the Litigation Threshold, in which injunctive or similar relief is sought, or which, if adversely determined, would reasonably be expected to have a Material Adverse Effect, and (y)&nbsp;in connection with the Repurchase Assets taken as a whole,
which, if adversely determined, would reasonably be expected to have a Material Adverse Effect; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(D) any Lien or
security interest (other than security interests created hereby or under any other Facility Document or, as to a Mortgage Loan, the lender&#146;s security interest therein) on, or claim asserted against, any of the Repurchase Assets. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) As soon as reasonably possible, but no later than three
(3)&nbsp;Business Day after Seller has knowledge of any of the same, notice of any of the following events: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(A) a
material adverse change in the insurance coverage of Seller, with a copy of evidence of same attached; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(B) any material
change in accounting policies or financial reporting practices of Seller; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(C) the termination or nonrenewal of any debt
facilities of Seller which have a maximum principal amount (or equivalent) available of more than $100,000,000; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(D) any
(x)&nbsp;Change in Control or any change in direct or indirect ownership or controlling interest of the direct or indirect owners of Seller that is not an individual or a trust, or (y)&nbsp;person obtaining a direct or indirect ownership interest
(or right to obtain a direct or indirect ownership interest) of 10% or more in Seller that is not an individual or trust; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(E) any event, circumstance or condition that has resulted in a Material Adverse Effect; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(F) any Purchased Mortgage Loan that has become a Defective Mortgage Loan, including that any applicable representations and
warranties set forth on <U>Schedule&nbsp;1</U> hereto ceases to be materially true, correct, and complete in any material respect (and providing all applicable details thereof). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Promptly, but no later than five (5)&nbsp;Business Days after Seller receives any of the same, deliver to Buyer a true,
complete, and correct copy of any schedule, report, notice, or any other document delivered to Seller by any Person pursuant to, or in connection with, any of the Repurchase Assets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) Promptly, but no later than five (5)&nbsp;Business Days after Seller receives notice of the same, any Purchased Mortgage
Loan submitted for inclusion into an Agency security and rejected by that Agency for inclusion in such Agency security. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Financial
Reporting</U>. Seller shall maintain a system of accounting established and administered in accordance with GAAP, and furnish, or cause to be furnished, to Buyer: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) <U><FONT STYLE="white-space:nowrap">Year-End</FONT> Financial Statements of Guarantor</U>. Deliver within ninety
(90)&nbsp;days after the end of each fiscal year of Guarantor, the consolidated balance sheet of Guarantor and its consolidated Subsidiaries as at the end of such fiscal year and the related consolidated statement of income and retained earnings,
consolidated statement of cash flows and consolidated statement of equity for Guarantor and its consolidated Subsidiaries for such year, setting forth in each case in comparative form the figures for the previous year, accompanied by an opinion
thereon of independent certified public accountants of recognized national standing, which opinion shall not be qualified as to scope of audit or going concern and shall state that said consolidated financial statements fairly present the
consolidated financial condition and results of operations of Guarantor and its consolidated Subsidiaries as at the end of, and for, such fiscal year in accordance with GAAP; provided that all such financial statements shall be deemed delivered upon
the publicly available filing of such financial statements; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) <U>Quarterly Financial Statements of Guarantor</U>. Deliver within
forty-five (45)&nbsp;days after the end of each of the first three quarterly fiscal periods of each fiscal year of Guarantor, the unaudited consolidated balance sheet of Guarantor and its consolidated Subsidiaries as at the end of such period and
the related unaudited consolidated statement of income and retained earnings, consolidated statement of cash flows and consolidated statement of equity for Guarantor and its consolidated Subsidiaries for such period and the portion of the fiscal
year through the end of such period, setting forth in each case in comparative form the figures for the previous year; provided that all such financial statements shall be deemed delivered upon the publicly available filing of such financial
statements; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) <U><FONT STYLE="white-space:nowrap">Year-End</FONT> Financial Statements of Seller</U>. Delivery within
ninety (90)&nbsp;days after the end of each fiscal year of Seller, the consolidated balance sheet of Seller and its consolidated Subsidiaries as at the end of such fiscal year and the related consolidated statement of income and retained earnings,
consolidated statement of cash flows and consolidated statement of equity for Seller and its consolidated Subsidiaries for such year, setting forth in each case in comparative form the figures for the previous year, accompanied by an opinion thereon
of independent certified public accountants of recognized national standing, which opinion shall not be qualified as to scope of audit or going concern and shall state that said consolidated financial statements fairly present the consolidated
financial condition and results of operations of Guarantor and its consolidated Subsidiaries as at the end of, and for, such fiscal year in accordance with GAAP; provided that all such financial statements shall be deemed delivered upon the publicly
available filing of such financial statements </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) <U>Monthly Statements of Seller</U>. Delivery within thirty
(30)&nbsp;days after the end of each calendar month, other than the last calendar month of Seller&#146;s fiscal year, the unaudited balance sheets of Seller as at the end of such period and the related unaudited consolidated statements of income and
retained earnings and of cash flows for Seller for such period and the portion of the fiscal year through the end of such period, subject, however, to <FONT STYLE="white-space:nowrap">year-end</FONT> adjustments. Such reports shall include, without
limitation, in clearly delineated line items, the results of Seller&#146;s hedging activities for the applicable period. Simultaneously with the furnishing of each of the Financial Statements to be delivered pursuant to subsections (i), (ii) and
(iii)&nbsp;above, Seller shall deliver or cause to be delivered (x)&nbsp;a certificate in the form of <U>Exhibit&nbsp;A</U> to the Pricing Letter and certified by an executive officer of Financial Reporting Party and (y)&nbsp;when the end of the
subject reporting period coincides with the end of a fiscal quarter, a Servicing Rights Appraisal. All Servicing Rights Appraisals shall be delivered to Buyer no later than thirty (30)&nbsp;days after the applicable &#147;as of&#148; date therefor.
Buyer reserves the right to require at any time that Seller obtain and deliver current Servicing Rights Appraisals during the pendency of a Default or an Event of Default; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) Promptly, from time to time, such other information regarding the business affairs, operations and financial condition of
any Seller Party as Buyer may reasonably request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Visitation and Inspection Rights</U>. Seller shall permit Buyer to inspect and
take all other actions permitted under Section&nbsp;17 hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <U>Reimbursement of Expenses</U>. Seller shall promptly reimburse
Buyer for all Expenses as the same are incurred by Buyer as required by Sections 15(b) and 17 hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) <U>Further Assurances</U>.
Seller shall execute and deliver to Buyer all further documents, financing statements, agreements and instruments, and take all further actions that may be required under applicable Requirements of Law, or that Buyer may reasonably request, in order
to effectuate </P>
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the transactions contemplated by this Agreement and the Facility Documents or, without limiting any of the foregoing, to grant, preserve, protect and perfect the validity and first priority of
the security interests created or intended to be created hereby. Seller shall do all things reasonably necessary to preserve the Repurchase Assets so that they remain subject to a first priority perfected security interest hereunder. Without
limiting the foregoing, Seller will comply in all material respects with all applicable Requirements of Law. Seller will not allow any default for which Seller is responsible to occur under any Repurchase Assets or any Facility Document and Seller
shall perform or cause to be performed in all material respects when due all of its obligations under any Repurchase Assets or the Facility Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) <U>True and Correct Information</U>. All information, reports, exhibits, schedules, Financial Statements or certificates of any Seller
Party or any of its officers furnished to Buyer hereunder and during Buyer&#146;s diligence of Seller Parties will be true and complete in all material respects and will not omit to disclose any material facts necessary to make the statements
therein, in light of the circumstances in which they are made, not misleading. All required Financial Statements, information and reports delivered by a Seller Party to Buyer pursuant to this Agreement shall be prepared in accordance with GAAP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) <U>ERISA Events</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) As soon as administratively feasible upon becoming aware of the occurrence of any Event of ERISA Termination which together
with all other Events of ERISA Termination occurring within the prior 12 months involve a payment of money by or a potential aggregate liability of Seller or any ERISA Affiliate thereof or any combination of such entities in excess of the ERISA
Liability Threshold, Seller shall give Buyer a written notice specifying the nature thereof, what action Seller or any ERISA Affiliate thereof has taken and, when known, any action taken or threatened by the Internal Revenue Service, the Department
of Labor or the PBGC with respect thereto; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) As soon as administratively feasible upon receipt thereof, Seller shall
furnish to Buyer copies of (i)&nbsp;all notices received by Seller or any ERISA Affiliate thereof of the PBGC&#146;s intent to terminate any Plan or to have a trustee appointed to administer any Plan; (ii)&nbsp;all notices received by Seller or any
ERISA Affiliate thereof from the sponsor of a Multiemployer Plan pursuant to Section&nbsp;4202 of ERISA involving withdrawal liability in excess of the ERISA Liability Threshold; and (iii)&nbsp;all funding waiver requests filed by Seller or any
ERISA Affiliate thereof with the Internal Revenue Service with respect to any Plan, the accrued benefits of which exceed the present value of the plan assets as of the date the waiver request is filed, and all communications received by Seller or
any ERISA Affiliate thereof from the Internal Revenue Service with respect to any such funding waiver request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j) <U>Financial Condition
Covenants</U>. The Seller shall cause the Financial Reporting Party to comply with the Financial Condition Covenants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k) <U>Hedging</U>.
Seller shall at all times maintain, implement, and adhere to a formal hedging policy and program, having terms that are customary and reasonable in accordance with mortgage industry, using appropriate Hedge Agreements, covering all of Seller&#146;s
Mortgage Loans, which is managed by an Approved Hedging Manager. Seller shall hedge all of its Mortgage Loans in accordance with Seller&#146;s hedging policies. Seller shall review its hedging policies periodically to confirm that they are being
complied with in all material respects and are adequate to meet Seller&#146;s business objectives. In the event Seller makes any material amendment or material modification to its hedging policies, Seller shall promptly notify Buyer of such
amendment or modification, and within thirty (30)&nbsp;days after such amendment or modification shall deliver to Buyer a complete copy of the amended or modified hedging policies. Additionally, Buyer may in its reasonable discretion request a
current copy of its hedging policies at any </P>
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time. By Wednesday of each week, Seller shall furnish Buyer with a hedging report as of the end of the immediately preceding week, to be in such form and to contain such information as shall be
specified from time to time by Buyer, including, without limitation, Seller&#146;s then locked pipeline, notional hedge positions, and historical pull-throughs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l) <U>No Adverse Selection</U>. Seller shall select the Purchased Mortgage Loans in a manner consistent with which it selects mortgage loans
(which mortgage loans meet the credit requirements set forth in this Agreement) for inclusion on similar mortgage loan warehouse facilities with similarly situated lenders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m) <U>Servicer Approval</U>. Seller shall not cause or permit the Purchased Mortgage Loans to be serviced by any servicer other than a
servicer expressly approved in writing by Buyer, which approval shall be deemed granted by Buyer with respect to Seller and any Subservicer identified on Schedule 5 to the Pricing Letter (subject to revocation of such approval as provided in this
Agreement) with the execution of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n) <U>Insurance</U>. Seller shall maintain Fidelity Insurance in an aggregate amount at
least equal to the Fidelity Insurance Requirement. Seller shall maintain Fidelity Insurance in respect of its officers, employees and agents, with respect to any claims made in connection with all or any portion of the Repurchase Assets. Seller
shall notify Buyer of any material adverse change in the terms of any such Fidelity Insurance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o) <U>Books and Records</U>. Seller
shall, to the extent practicable, maintain and implement administrative and operating procedures (including, without limitation, an ability to recreate records evidencing the Repurchase Assets in the event of the destruction of the originals
thereof), and keep and maintain or obtain, as and when required, all documents, books, records and other information reasonably necessary or advisable for the collection of all Repurchase Assets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p) <U>Illegal Activities</U>. Seller shall not engage in any conduct or activity that could subject its assets to forfeiture or seizure. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(q) <U>Material Change in Business</U>. Seller shall not make any material change in the nature of its business as carried on at the date
hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(r) <U>Limitation on Dividends and Distributions</U>. Seller shall not make any payment on account of, or set apart assets for, a
sinking or other analogous fund for the purchase, redemption, defeasance, retirement or other acquisition of any equity interest of Seller or for the payment of Subordinated Debt, whether or now or hereafter outstanding, or make any other
distribution or dividend in respect of any of the foregoing or to any shareholder or equity owner of Seller, either directly or indirectly, whether in cash or property or in obligations of Seller at any time (i)&nbsp;following the occurrence and
during the continuation of a Default or an Event of Default, (ii)&nbsp;in violation of any applicable Subordination Agreement, or (iii)&nbsp;if, on a pro forma basis giving effect thereto, a Default or Event of Default would then exist or result
therefrom. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(s) <U>Disposition of Assets; Liens</U>. Seller shall not create, incur, assume or suffer to exist any mortgage, pledge, Lien,
charge or other encumbrance of any nature whatsoever on any of the Repurchase Assets, whether real, personal or mixed, now or hereafter owned, other than the Liens created in connection with the transactions contemplated by this Agreement; nor shall
Seller cause any of the Purchased Mortgage Loans to be sold, pledged, assigned or transferred other than as contemplated hereby or in connection with a transaction that will provide proceeds to pay the Repurchase Price related to the applicable
Purchased Mortgage Loans. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(t) <U>Transactions with Affiliates</U>. Seller shall not enter into any transaction,
including, without limitation, the purchase, sale, lease or exchange of property or assets or the rendering or accepting of any service with any Affiliate unless such transaction is (i)&nbsp;not otherwise prohibited in this Agreement, (ii)&nbsp;in
the ordinary course of Seller&#146;s business, and (iii)&nbsp;upon fair and reasonable terms no less favorable to Seller than it would obtain in a comparable arm&#146;s length transaction with a Person which is not an Affiliate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(u) <U>ERISA Matters</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Seller shall not permit any event or condition which is described in the definition of &#147;<U>Event of ERISA
Termination</U>&#148; to occur or exist with respect to any Plan or Multiemployer Plan if such event or condition, together with all other events or conditions described in the definition of Event of ERISA Termination occurring within the prior 12
months, involves the payment of money by or an incurrence of liability of Seller or any ERISA Affiliate thereof, or any combination of such entities in an amount in excess of the ERISA Liability Threshold. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) Seller shall not be an employee benefit plan as defined in Section&nbsp;3(3) of Title I of ERISA, or a plan described in
Section&nbsp;4975(e)(1) of the Code, and Seller shall not use &#147;<U>plan assets</U>&#148; within the meaning of 29 CFR <FONT STYLE="white-space:nowrap">&#167;2510.3-101,</FONT> as modified by Section&nbsp;3(42) of ERISA, to engage in this
Agreement or the Transactions hereunder and transactions by or with Seller are not subject to any state or local statute regulating investments of, or fiduciary obligations with respect to any governmental plans within the meaning of
Section&nbsp;3(32) of ERISA. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) <U>Consolidations, Mergers and Sales of Assets</U>. Seller shall not (i)&nbsp;consolidate or merge with
or into any other Person, or (ii)&nbsp;sell, lease or otherwise transfer all or substantially all of its assets to any other Person. Seller shall not (i)&nbsp;cause or permit any change to be made in its name, organizational identification number,
identity or corporate structure, each as described in Section&nbsp;11(h), or (ii)&nbsp;change its jurisdiction of organization, unless it shall have provided Buyer thirty (30)&nbsp;days&#146; prior written notice of such change and shall have first
taken all action required by Buyer for the purpose of perfecting or protecting the lien and security interest of Buyer established hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(w) <U>Purchaser Guidelines</U>. Without the prior written consent of Buyer, Seller shall not materially deviate from any <FONT
STYLE="white-space:nowrap">Non-Agency</FONT> Purchaser Guidelines, as in effect from time to time, in connection with its origination of Purchased Mortgage Loans. Upon Buyer&#146;s reasonable request, Seller will provide Buyer with Seller&#146;s
current Purchaser Guidelines. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x) <U>No Amendment or Compromise</U>. Without Buyer&#146;s prior written consent, Seller shall not amend
or modify, or waive any term or condition of, or settle or compromise any claim in respect of, any item of the Purchased Mortgage Loans, provided that a Purchased Mortgage Loan may be amended or modified if such amendment or modification does not
affect the amount or timing of any payment of principal or interest, extend its scheduled maturity date, modify its interest rate, or constitute a cancellation or discharge of its outstanding principal balance and does not materially and adversely
affect the security afforded the Mortgaged Property securing the Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(y) <U>Agency Approvals; Servicing</U>. Seller shall
maintain its status and approvals as set forth in Section&nbsp;11(x), in each case in good standing (each such approval, an &#147;<U>Approval</U>&#148;). Should Seller, for any reason, cease to possess all such applicable Approvals to the extent
necessary, or should notification to the relevant Agency or Governmental Authority be required, Seller shall so notify Buyer immediately in writing. Notwithstanding the preceding sentence, Seller shall take all necessary action to maintain all of
its applicable Approvals at all times during the term of this Agreement and each outstanding Transaction. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(z) <U>Sharing of Information</U>. Seller hereby allows and consents to Buyer exchanging
information related to Seller, its credit, and the Transactions hereunder with third party lenders or facility providers, provided that Buyer causes such lender or facility provider to maintain the confidentiality of such information to the same
extent as Buyer is required to maintain confidentiality pursuant to Section&nbsp;30, and Seller shall permit, and hereby authorizes, each third party lender or facility provider to share such information with Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(aa) <U>[Reserved]</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(bb)
<U>[Reserved]</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(cc) <U>MERS</U>. Seller shall and shall cause each Subservicer to (i)&nbsp;be a member in good standing with MERS,
and (ii)&nbsp;comply in all material respects with the rules and regulations of MERS in connection with all Purchased Mortgage Loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(dd) <U>Minimum Reserve Amount</U>. Seller shall at all times maintain the Minimum Reserve Amount in the Reserve Account or such other amount
determined by Buyer at any time and from time to time. In the event Buyer makes any withdrawal from the Reserve Account or determines that a Margin Deficit or other deficiency exists, Buyer shall provide Seller notice of such withdrawal, Margin
Deficit or deficiency, and Seller shall have one (1)&nbsp;Business Day following such notice to deposit sufficient funds in the Reserve Account to satisfy the Minimum Reserve Amount, Margin Deficit or other deficiency. Buyer shall have the right,
but not the obligation, at any time and from time to time to transfer funds from the Inbound Account or the Haircut Account to the Reserve Account to maintain the Minimum Reserve Amount without notice to Seller.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;13. EVENTS OF DEFAULT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">If
any of the following events (each an &#147;<U>Event of Default</U>&#148;) occur, Buyer shall have the rights set forth in Section&nbsp;14, as applicable: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Payment Default</U>. Any Seller Party shall default in the payment of (A)&nbsp;any amount payable by it hereunder or under any other
Facility Document (excluding amounts referenced in clause (b)&nbsp;subject to any applicable grace periods, including, without limitation, the failure to satisfy any Margin Call by the applicable Margin Deadline or (B)&nbsp;Expenses (and such
failure to pay Expenses shall continue for more than three (3)&nbsp;Business Days) or (C)&nbsp;any other Obligations, when the same shall be due and payable, whether at the due date thereof, or by acceleration or otherwise (but after the applicable
grace periods); or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Representation and Warranty Breach</U>. Any representation, warranty or certification made or deemed made
herein or in any other Facility Document, by a Seller Party or any certificate furnished to Buyer pursuant to the provisions hereof or thereof or any information with respect to the Mortgage Loans furnished in writing by on behalf of a Seller Party
shall prove to have been untrue or misleading in any material respect as of the time made or furnished; provided, however, unless such breach is knowing and intentional, a breach of the representation or warranty set forth in Section&nbsp;11(g)(i)
shall result in the subject Mortgage Loan being a Defective Mortgage Loan and shall not in and of itself constitute an Event of Default; provided further however that the material breach of any Mortgage Loan representation or warranty set forth in
this Agreement shall not in and of itself constitute an Event of Default but rather the party discovering such breach shall promptly give notice of such discovery to the others. Buyer has the right to require Seller to repurchase, for the Repurchase
Price, within one (1)&nbsp;Business Days after Seller&#146;s receipt of notice of any such Mortgage Loan material breach; or </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Covenant Default</U>. The failure of Seller to perform, comply with or observe and
such failure to perform, comply or observe continues unremedied for a period of one (1)&nbsp;Business Day for any term, covenant or agreement applicable to Seller contained in any of Sections 12(a) (<U>Preservation of Existence; Compliance with
Law</U>); 12(c)(i) (Notice of Proceedings and Adverse Change); 12(h) (<U>True and Correct Information</U>); 12(j) (<U>Financial Condition Covenants</U>); 12(l) (No Adverse Selection); 12(p) (<U>Illegal Activities</U>); 12(q) (<U>Material Change in
Business</U>); 12(r) (<U>Limitation on Dividends and Distributions</U>); 12(s) (Disposition of Assets; Liens) 12(v) (<U>Consolidations, Mergers and Sales of Assets</U>); 12(y) (<U>Agency Approvals; Servicing</U>); or 12(dd) (<U>Minimum Reserve
Amount</U>); or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Additional Covenant Defaults</U>. Seller shall fail to observe or perform any other Covenant contained in this
Agreement (and not identified in clause (c)&nbsp;of Section&nbsp;13), or any other Seller Party shall fail to observe any covenant or agreement contained in any other Facility Document to which such Seller Party is a party, and if such default shall
be capable of being remedied, such failure to observe or perform shall continue unremedied for a period of three (3)&nbsp;Business Days; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Judgments</U>. A judgment or judgments for the payment of money in excess of the Litigation Threshold in the aggregate shall be
rendered against any Seller Party by one or more courts, administrative tribunals, or other bodies having jurisdiction over Seller and the same shall not be satisfied, discharged (or provision shall not be made for such discharge), or bonded, or a
stay of execution thereof shall not be procured, within 31 days after the date of entry thereof, and Seller shall not, within said period of 31 days, or such longer period during which execution of the same shall have been stayed or bonded, appeal
therefrom and cause the execution thereof to be stayed during such appeal; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <U>Cross Default</U>. Any &#147;event of default&#148;
or any other default which requires or results in the early repayment of obligations due by Seller under any agreement (after the expiration of any applicable grace period under any such agreement) relating to any Indebtedness in excess of
$5,000,000 of Seller; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) <U>Insolvency Event</U>. An Insolvency Event shall have occurred with respect to a Seller Party; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) <U>Enforceability</U>. For any reason, any Facility Document at any time shall not be in full force and effect in all material respects or
shall not be enforceable in all material respects in accordance with its terms, or any Lien granted pursuant thereto shall fail to be perfected and of first priority, or any Person (other than Buyer) shall contest the validity, enforceability,
perfection or priority of any Lien granted pursuant thereto, or any party thereto (other than Buyer) shall seek to disaffirm, terminate, limit or reduce its material obligations thereunder and any such event described in clause (h)&nbsp;shall
continue for three (3)&nbsp;Business Days after written notice to the Seller; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) <U>[Reserved]</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j) <U>[Reserved]</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k)
<U>ERISA</U>. (i)&nbsp;An Event of ERISA Termination shall have occurred, that together with all other Events of ERISA Termination, if any, could reasonably be expected to have a Material Adverse Effect; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l) <U>Change in Control</U>. A Change in Control shall have occurred without the prior written consent of Buyer; or </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m) <U>Going Concern</U>. Seller&#146;s audited Financial Statements or notes thereto or
other opinions or conclusions stated therein shall be qualified or limited by reference to the status of such Seller as a &#147;going concern&#148; or reference of similar import; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n) <U>Defective Mortgage Loans</U>. One or more Purchased Mortgage Loans shall be Defective Mortgage Loans and Seller fails to repurchase
such Defective Mortgage Loans within two (2)&nbsp;Business Days of notice from Buyer; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o) <U>Investigations</U>. There shall occur the
initiation of any investigation, audit, examination or review of Seller by an Agency or any Governmental Authority, relating to the origination, sale or servicing of Mortgage Loans by Seller or the business operations of Seller, with the exception
of normally scheduled audits or examinations by Seller&#146;s regulators, if Buyer reasonably believes in good faith that such investigation, audit, examination, or review is likely to result in a Material Adverse Effect; provided if such
investigation, audit, examination or review has been remediated by Seller within forty five (45)&nbsp;Business Days, then it shall not be an Event of Default; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p) <U>Fines and Penalties</U>. Seller shall be subject to, or shall agree to pay, any civil, criminal or administrative fine, penalty,
forfeiture, reimbursement or damages in an amount up to the Litigation Threshold to or through any Agency or Governmental Authority relating to any alleged violation of any Requirements of Law. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;14. REMEDIES </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) If an
Event of Default occurs, the following rights and remedies are available to Buyer; provided, that an Event of Default shall be deemed to be continuing unless expressly waived by Buyer in writing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) At the option of Buyer, exercised by written notice to Seller (which option shall be deemed to have been exercised, even if
no notice is given, immediately upon the occurrence of an Insolvency Event of a Seller Party), the Repurchase Date for each Transaction hereunder, if it has not already occurred, shall be deemed immediately to occur. Buyer shall (except upon the
occurrence of an Insolvency Event of a Seller Party) give notice to Seller of the exercise of such option as promptly as practicable, provided however that such failure of Buyer to provide such notice shall not prejudice the rights of Buyer to
exercise its rights in this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) If Buyer exercises or is deemed to have exercised the option referred to in
subsection (a)(i) of this Section, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(A) Seller&#146;s obligations in such Transactions to repurchase all Purchased
Mortgage Loans, at the Repurchase Price therefor on the Repurchase Date determined in accordance with subsection (a)(i) of this Section, (1)&nbsp;shall thereupon become immediately due and payable and (2)&nbsp;all Income paid after such exercise or
deemed exercise shall be retained by Buyer and applied to the aggregate unpaid Repurchase Price and any other amounts owed by Seller hereunder; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(B) to the extent permitted by applicable Requirements of Law, the Repurchase Price with respect to each such Transaction
shall be increased by the aggregate amount obtained by daily application of, on a 360 day per year basis for the actual number of days during the period from and including the date of the exercise or deemed exercise of such option to but excluding
the date of payment of the Repurchase Price as so increased, (x)&nbsp;the Post-Default Rate in effect following an Event of Default to </P>
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(y) the Repurchase Price for such Transaction as of the Repurchase Date as determined pursuant to subsection (a)(i) of this Section (decreased as of any day by (i)&nbsp;any amounts actually in
the possession of Buyer pursuant to clause (C)&nbsp;of this subsection, and (ii)&nbsp;any proceeds from the sale of Purchased Mortgage Loans applied to the Repurchase Price pursuant to subsection (a)(iv) of this Section); and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:13%; font-size:10pt; font-family:Times New Roman">(C) all Income actually received by Buyer pursuant to Section&nbsp;5 shall be applied to the aggregate unpaid Obligations owed
by Seller Parties. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Upon the occurrence of one or more Events of Default, Buyer shall have the right to obtain
physical possession of all files of Seller relating to the Purchased Mortgage Loans and the Repurchase Assets and all documents relating to the Purchased Mortgage Loans which are then or may thereafter come into the possession of Seller or any third
party acting for Seller and Seller shall deliver to Buyer such assignments as Buyer shall reasonably request. Buyer shall be entitled to specific performance of all agreements of Seller contained in the Facility Documents. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) At any time on the Business Day following notice to Seller (which notice may be the notice given under subsection (a)(i)
of this Section), in the event Seller has not repurchased all Purchased Mortgage Loans, Buyer may (A)&nbsp;immediately sell, without demand or further notice of any kind, at a public or private sale and at such price or prices as Buyer may deem
satisfactory any or all Purchased Mortgage Loans and the Repurchase Assets subject to a such Transactions hereunder and apply the proceeds thereof to the aggregate unpaid Repurchase Prices and any other amounts owing by Seller hereunder or
(B)&nbsp;in its sole discretion elect, in lieu of selling all or a portion of such Purchased Mortgage Loans, to give Seller credit for such Purchased Mortgage Loans and the Repurchase Assets in an amount equal to the Market Value of the Purchased
Mortgage Loans against the aggregate unpaid Repurchase Price and any other amounts owing by Seller hereunder. The proceeds of any disposition of Purchased Mortgage Loans and the Repurchase Assets shall be applied as determined by Buyer in its sole
discretion. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) Seller shall be liable to Buyer for (i)&nbsp;the amount of all reasonable legal or other Expenses incurred
in connection with or as a result of an Event of Default, (ii)&nbsp;damages in an amount equal to the cost (including all reasonable fees, expenses and commissions) of entering into replacement transactions and entering into or terminating hedge
transactions in connection with or as a result of an Event of Default, and (iii)&nbsp;any other loss, damage, cost or expense directly arising or resulting from the occurrence of an Event of Default in respect of a Transaction. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) Whether or not Buyer has exercised any one or more of its other rights and remedies, Buyer may, at its option, elect to
increase the Pricing Rate to equal the Post-Default Rate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) Buyer shall have, in addition to its rights hereunder, any
rights otherwise available to it under any other agreement with Seller or applicable Requirements of Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Buyer may exercise one or
more of the remedies available hereunder immediately upon the occurrence of an Event of Default and at any time thereafter without notice to Seller. All rights and remedies arising under this Agreement as amended from time to time hereunder are
cumulative and not exclusive of any other rights or remedies which Buyer may have. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Buyer may enforce its rights and remedies hereunder without prior judicial process or
hearing, and Seller hereby expressly waives any defenses Seller might otherwise have to require Buyer to enforce its rights by judicial process. Seller also waives any defense (other than a defense of payment or performance) Seller might otherwise
have arising from the use of <FONT STYLE="white-space:nowrap">non-judicial</FONT> process, enforcement and sale of all or any portion of the Repurchase Assets, or from any other election of remedies except as set forth herein. Seller recognizes that
<FONT STYLE="white-space:nowrap">non-judicial</FONT> remedies are consistent with the usages of the trade, are responsive to commercial necessity and are the result of a bargain at arm&#146;s length. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) To the extent permitted by applicable Requirements of Law, Seller shall be liable to Buyer for interest on any amounts owing by Seller
hereunder, from the date Seller becomes liable for such amounts hereunder until such amounts are (i)&nbsp;paid in full by Seller or (ii)&nbsp;satisfied in full by the exercise of Buyer&#146;s rights hereunder. Interest on any sum payable by Seller
to Buyer under this paragraph 14(d) shall be at a rate equal to the Post-Default Rate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) Without limiting the rights of Buyer hereto to
pursue all other legal and equitable rights available to Buyer for Seller&#146;s failure to perform its obligations under this Agreement, Seller acknowledges and agrees that the remedy at law for any failure to perform obligations hereunder would be
inadequate and Buyer shall be entitled to specific performance, injunctive relief, or other equitable remedies in the event of any such failure. The availability of these remedies shall not prohibit Buyer from pursuing any other remedies for such
breach, including the recovery of monetary damages. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;15. INDEMNIFICATION AND EXPENSES; RECOURSE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Seller agrees to hold Buyer, its Affiliates, and its and their respective officers, directors, employees, agents and advisors (each an
&#147;<U>Indemnified Party</U>&#148;) harmless from and indemnify any Indemnified Party against all liabilities, losses, damages, judgments, reasonable and necessary costs and expenses of any kind which may be imposed on, incurred by or asserted
against such Indemnified Party (collectively, &#147;<U>Costs</U>&#148;), relating to or arising out of this Agreement, any other Facility Document, any transaction contemplated hereby or thereby, or any amendment, supplement or modification of, or
any waiver or consent under or in respect thereof, that, in each case, results from anything other than the Indemnified Party&#146;s gross negligence or willful misconduct. Without limiting the generality of the foregoing, Seller agrees to hold any
Indemnified Party harmless from and indemnify such Indemnified Party against all Costs with respect to all Mortgage Loans relating to or arising out of any taxes incurred or assessed in connection with the ownership of the Mortgage Loans, that, in
each case, results from anything other than the Indemnified Party&#146;s gross negligence or willful misconduct. In any suit, proceeding or action brought by an Indemnified Party in connection with any Mortgage Loan for any sum owing thereunder, or
to enforce any provisions of any Mortgage Loan, Seller will save, indemnify and hold harmless such Indemnified Party from and against all expense, loss or damage suffered by reason of any defense, set off, counterclaim, recoupment or reduction or
liability whatsoever of the account debtor or obligor thereunder, arising out of a breach by Seller of any Obligation hereunder. Seller also agrees to reimburse an Indemnified Party as and when billed by such Indemnified Party for all the
Indemnified Party&#146;s reasonable costs and expenses incurred in connection with the enforcement or the preservation of Buyer&#146;s rights under this Agreement, any other Facility Document or any transaction contemplated hereby or thereby,
including, without limitation, the reasonable and documented fees and disbursements of its counsel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Seller agrees to pay as and when
billed by Buyer all of the reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> costs and expenses incurred by Buyer in connection with any amendment, supplement or modification to this Agreement,
any other Facility Document or any other documents prepared in connection herewith or therewith. Seller agrees to pay as and when billed by Buyer all of the reasonable
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> Expenses incurred in connection with the consummation and administration of the transactions contemplated hereby and thereby including, without limitation,
all reasonable filing fees and all reasonable and documented fees, disbursements expenses of counsel to Buyer. Seller agrees to pay Buyer the reasonable out of pocket due diligence, inspection, testing and review Expenses incurred by Buyer with
respect to Mortgage Loans submitted by Seller for purchase under this Agreement, including, but not limited to, those reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> and expenses incurred by
Buyer pursuant to Sections 15(a) and 17 hereof. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) The obligations of Seller from time to time to pay the Repurchase Price (including all
Price Differential) and all other amounts due under this Agreement shall be full recourse obligations of Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) The obligations of
Seller under this Section&nbsp;15 hereof shall survive the termination of this Agreement. This Section shall not apply with respect to Taxes arising out of the Obligations other than any Taxes that represent losses, claims, damages, etc. arising
from any <FONT STYLE="white-space:nowrap">non-Tax</FONT> claim. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;16. SERVICING </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) As a condition of purchasing a Mortgage Loan, Buyer may require Seller or its Servicer to service such Mortgage Loan as agent for Buyer for
a term of thirty (30)&nbsp;days (the &#147;<U>Servicing Term</U>&#148;), which is renewable as provided in clause (d)&nbsp;below, on the following terms and conditions: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Seller shall cause the Servicer to service and administer the Purchased Mortgage Loans on behalf of Buyer in accordance with Accepted
Servicing Practices, and in accordance with all applicable requirements of the Agencies, Requirements of Law and the provisions of any applicable servicing agreement . </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) If any Mortgage Loan that is proposed to be sold on a Purchase Date is serviced by a servicer other than Seller or any of its Affiliates
(a &#147;<U>Subservicer</U>&#148;), or if the servicing of any such Mortgage Loan is to be transferred to a Subservicer, Seller shall have obtained the prior written consent of Buyer for such Subservicer to subservice the Purchased Mortgage Loan,
which consent shall not be unreasonably withheld. For the avoidance of doubt, New Penn Financial, LLC d/b/a Shellpoint Mortgage Servicing and Nationstar Mortgage LLC d/b/a Mr.&nbsp;Cooper shall be considered approved servicers as of the Effective
Date. The related servicer notice executed by such Subservicer (collectively, the &#147;<U>Servicer Notice</U>&#148;) shall be in form and substance acceptable to Buyer, and, notwithstanding the foregoing, Buyer expressly agrees that it approves and
accepts all Servicer Notices and all Subservicers identified in the Pricing Letter. In no event shall Seller&#146;s use of a Subservicer relieve Seller of its obligations hereunder, and Seller shall remain liable under this Agreement as if Seller
were servicing such Mortgage Loans directly. Notwithstanding anything herein to the contrary, Buyer acknowledges and agrees that a Servicer Notice shall not be required with respect to any Purchased Mortgage Loan which Seller acquires from a third
party and for which servicing of such Purchased Mortgage Loan has not yet been transferred to Seller&#146;s Subservicer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) Upon the
later of (i)&nbsp;an Event of Default that is continuing, (ii)&nbsp;Buyer&#146;s election to terminate Seller as servicer by Buyer pursuant to this Agreement, and (iii)&nbsp;the transfer of servicing to any Agency approved entity approved by Buyer
and the assumption thereof by such entity, Seller shall deliver the physical and contractual master servicing of each Purchased Mortgage Loan, together with all of the related Records in its possession, to Buyer&#146;s designee. Seller&#146;s
transfer of the Records and the physical and contractual servicing under this Section shall be in accordance with customary standards in the industry and such transfer shall include the transfer of the gross amount of all escrows held for the
related mortgagors (without reduction for unreimbursed advances or &#147;<U>negative escrows</U>&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) During the period Seller is servicing the Purchased Mortgage Loans as agent for Buyer,
Seller agrees that as between Seller and Buyer, Buyer is the owner of the related Credit Files and Records and Seller shall at all times maintain and safeguard and cause any Subservicer to maintain and safeguard the Credit File for such Mortgage
Loan (including photocopies or images of the documents delivered to Buyer), and accurate and complete records of its servicing of such Mortgage Loan; Seller&#146;s possession of the Credit Files and Servicing Records being for the sole purpose of
master servicing such Mortgage Loans and such retention and possession by Seller being in a custodial capacity only. Seller hereby grants Buyer a security interest in all servicing fees related to Purchased Mortgage Loans to secure the obligations
of Seller and any Subservicer to service in conformity with this Section and any related Servicing Agreement until repurchase by Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) At Buyer&#146;s reasonable request, Seller shall promptly deliver to Buyer reports regarding the status of any Purchased Mortgage Loan
being serviced by Seller, which reports shall include, but shall not be limited to, a description of any default thereunder or such other circumstances that could cause a material adverse effect on such Purchased Mortgage Loan, Buyer&#146;s title to
such Purchased Mortgage Loan or the collateral securing such Purchased Mortgage Loan; Seller may be required to deliver such reports until the repurchase of the Purchased Mortgage Loan by Seller. Seller shall promptly notify Buyer if it becomes
aware of any payment default that occurs under any Purchased Mortgage Loan (subject to applicable grace periods) or any default under any Servicing Agreement that would materially and adversely affect any Purchased Mortgage Loan subject thereto.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) Seller shall release its custody of the contents of any Credit File or Mortgage File related to any Purchased Mortgage Loan only
(i)&nbsp;in accordance with the written instructions of Buyer, (ii)&nbsp;upon the consent of Buyer when such release is required as incidental to Seller&#146;s servicing of such Mortgage Loan, or (iii)&nbsp;as required by Requirements of Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) In the event of a Default and if such Default is not cured within the applicable cure period, Buyer reserves the right to appoint a
successor servicer at any time to service any Mortgage Loan (each a &#147;<U>Successor Servicer</U>&#148;) in its sole discretion. If Buyer elects to make such an appointment due to a Default or Event of Default, Seller shall be assessed all costs
and expenses incurred by Buyer associated with transferring the Mortgage Loans to the Successor Servicer. In the event of such an appointment, Seller shall perform all acts and take all action so that any part of the Credit File and related Records
held by Seller, together with all Income and other receipts relating to such Mortgage Loan, are promptly delivered to Successor Servicer, and shall otherwise reasonably cooperate with Buyer in effectuating such transfer. Seller shall have no claim
for lost servicing income, lost profits or other damages if Buyer appoints a Successor Servicer hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) From the Purchase Date to
the Repurchase Date, for the avoidance of doubt, Seller retains no economic rights to the servicing of the Purchased Mortgage Loans provided that Seller shall continue to service the Purchased Mortgage Loans hereunder as part of its Obligations
hereunder subject to retaining all related servicing income as compensation for its servicing obligations. As such, Seller expressly acknowledges that the Purchased Mortgage Loans are sold to Buyer on a &#147;servicing released&#148; basis. Upon
Seller&#146;s repurchase of any Purchased Mortgage Loan pursuant hereto, Buyer&#146;s transfer of such Mortgage Loan back to Seller shall likewise be on a &#147;servicing released&#148; basis. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;17. DUE DILIGENCE </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller
acknowledges that Buyer or any third party designated by Buyer (including Buyer&#146;s regulators) has the right to perform continuing due diligence reviews with respect to the Purchased Mortgage Loans and Seller, for purposes of verifying
compliance with the representations, warranties and specifications made hereunder, or otherwise, and Seller agrees that upon reasonable prior notice unless an Event of Default shall have occurred, in which case no notice is required, Seller, Buyer
or its authorized representatives will be permitted during normal business hours to examine and inspect, and make copies </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>

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and extracts of the Mortgage Files and, subject to Seller&#146;s approval, make copies and extracts of any and all documents, records, agreements, instruments or information relating to such
Mortgage Loans in the possession or under the control of Seller or Custodian. Seller also shall make available to Buyer a knowledgeable financial or accounting officer for the purpose of answering questions respecting such Mortgage Files and such
Mortgage Loans. Without limiting the generality of the foregoing, Seller acknowledges that Buyer may purchase Mortgage Loans from Seller based solely upon the information provided by Seller to Buyer in the Mortgage Loan Schedule and the
representations, warranties and covenants contained herein, and that Buyer, at its option, has the right at any time to conduct a partial or complete due diligence review on some or all of the Mortgage Loans purchased in a Transaction, including,
without limitation, ordering broker&#146;s price opinions, new credit reports and new appraisals on the related Mortgaged Properties and otherwise <FONT STYLE="white-space:nowrap">re-generating</FONT> the information used to originate such Mortgage
Loan. Buyer may <FONT STYLE="white-space:nowrap">re-underwrite</FONT> such Mortgage Loans itself or engage a mutually agreed upon third party underwriter to perform such underwriting. Seller agrees to cooperate with Buyer and any third party
underwriter in connection with such <FONT STYLE="white-space:nowrap">re-underwriting,</FONT> including, but not limited to, providing Buyer and any third party underwriter with access to any and all documents, records, agreements, instruments or
information relating to such Mortgage Loans in the possession, or under the control, of Seller or Custodian. Seller further agrees that, subject to the limits set forth in the Pricing Letter, Seller shall pay all reasonable <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> costs and expenses incurred by Buyer and Custodian in connection with Buyer&#146;s activities pursuant to this Section&nbsp;17 (&#147;<U>Due Diligence
Costs</U>&#148;) but subject to an annual cap of $10,000.00. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;18. ASSIGNABILITY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The rights and obligations of the parties under this Agreement and under any Transaction shall not be assigned by Seller without the prior
written consent of Buyer. Subject to the foregoing, this Agreement and any Transactions shall be binding upon and shall inure to the benefit of the parties and their respective successors and assigns. Nothing in this Agreement express or implied,
shall give to any Person, other than the parties to this Agreement and their successors hereunder, any benefit of any legal or equitable right, power, remedy or claim under this Agreement. Buyer may from time to time assign all or a portion of its
rights and obligations under this Agreement and the Facility Documents pursuant to an executed assignment and acceptance by Buyer and assignee (&#147;<U>Assignment and Acceptance</U>&#148;), specifying the percentage or portion of such rights and
obligations assigned; provided, however, that prior to an Event of Default, Buyer shall only be able to assign all or part of its portion of its rights and obligations under this Agreement and the Facility Documents to its Affiliate or, with the
consent of Seller not to be unreasonably withheld, delayed or conditioned, to a third party. Upon such assignment, (a)&nbsp;such assignee shall be a party hereto and to each Facility Document to the extent of the percentage or portion set forth in
the Assignment and Acceptance, and shall succeed to the applicable rights and obligations of Buyer hereunder, and (b)&nbsp;Buyer shall, to the extent that such rights and obligations have been so assigned by it be released from its obligations
hereunder and under the Facility Documents. Unless otherwise stated in the Assignment and Acceptance, Seller shall continue to take directions solely from Buyer unless otherwise notified by Buyer in writing. Buyer may distribute to any prospective
assignee any document or other information delivered to Buyer by Seller. Notwithstanding the foregoing, Seller shall be under no obligation to cooperate with a successor assigned in the event Buyer assigns all of its rights and obligations under
this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer may sell participations to one or more Persons in or to all or a portion of its rights and obligations under this
Agreement; provided, however, that (x)&nbsp;Buyer&#146;s obligations under this Agreement shall remain unchanged, (y)&nbsp;Buyer shall remain solely responsible to the other parties hereto for the performance of such obligations; and (z)&nbsp;Seller
shall continue to deal solely and directly with Buyer in connection with Buyer&#146;s rights and obligations under this Agreement and the other Facility Documents except as provided in Section&nbsp;7. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer may, in connection with any assignment or participation or proposed assignment or
participation pursuant to this Section&nbsp;18, disclose to the assignee or participant or proposed assignee or participant, as the case may be, any information relating to Seller or any of its Subsidiaries or to any aspect of the Transactions that
has been furnished to Buyer by or on behalf of Seller or any of its Subsidiaries; provided that such assignee or participant agrees to hold such information subject to the confidentiality provisions of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In the event Buyer assigns all or a portion of its rights and obligations under this Agreement, the parties hereto agree to negotiate in good
faith an amendment to this Agreement to add agency provisions similar to those included in Agreements for similar syndicated repurchase facilities. Unless otherwise agreed to by Seller, Buyer shall pay all costs and expenses arising from or related
to any assignment or participation. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;19. TRANSFER AND MAINTENANCE OF REGISTER </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Subject to acceptance and recording thereof pursuant to paragraph (b)&nbsp;of this Section&nbsp;19, from and after the effective date
specified in each Assignment and Acceptance the assignee thereunder shall be a party hereto and, to the extent of the interest assigned by such Assignment and Acceptance, have the rights and obligations of Buyer under this Agreement. Any assignment
or transfer by Buyer of rights or obligations under this Agreement that does not comply with this Section&nbsp;19 shall be treated for purposes of this Agreement as a sale by such Buyer of a participation in such rights and obligations in accordance
with Section&nbsp;19(b) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Seller shall maintain a register (the &#147;<U>Register</U>&#148;) on which it will record
Buyer&#146;s rights hereunder, and each Assignment and Acceptance and participation. The Register shall include the names and addresses of Buyer (including all assignees, successors and participants) and the percentage or portion of such rights and
obligations assigned. Failure to make any such recordation, or any error in such recordation shall not affect Seller&#146;s obligations in respect of such rights. If Buyer sells a participation in its rights hereunder, it shall provide Seller, or
maintain as agent of Seller, the information described in this paragraph and permit Seller to review such information as reasonably needed for Seller to comply with its obligations under this Agreement or under any applicable Requirements of Law.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;20. HYPOTHECATION OR PLEDGE OF PURCHASED MORTGAGE LOANS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">As of the Purchase Date, beneficial title to all Purchased Mortgage Loans and Repurchase Assets shall pass to Buyer and Buyer shall have free
and unrestricted use of all Purchased Mortgage Loans. Nothing in this Agreement shall preclude Buyer from engaging in repurchase transactions with the Purchased Mortgage Loans or otherwise pledging, repledging, transferring, hypothecating, or
rehypothecating the Purchased Mortgage Loans to any Person, including without limitation, the Federal Home Loan Bank on or before the Repurchase Date, subject to a full release of any hypothecation and/or pledge on or before the Repurchase Date.
Nothing contained in this Agreement shall obligate Buyer to segregate any Purchased Mortgage Loans delivered to Buyer by Seller. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;21. TAX
AND ACCOUNTING TREATMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each party to this Agreement acknowledges that it is its intent for purposes of U.S. federal, state and local
income and franchise taxes, and for accounting purposes, to treat each Obligation as indebtedness of Seller that is secured by the Purchased Mortgage Loans and that the Purchased Mortgage Loans are owned by Seller in the absence of a Default by
Seller. All parties to this Agreement agree to such treatment and agree to take no action inconsistent with this treatment, unless required by applicable Requirements of Law or GAAP. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;22. <FONT STYLE="white-space:nowrap">SET-OFF</FONT> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">After a Material Adverse Effect or an Event of Default has occurred, in addition to any rights and remedies of Buyer hereunder and by law,
Buyer shall have the right, without prior notice to Seller, any such notice being expressly waived by Seller to the extent permitted by applicable law, to <FONT STYLE="white-space:nowrap">set-off</FONT> and appropriate and apply against any
Obligation from Seller to Buyer any and all deposits (general or special, time or demand, provisional or final), in any currency, and any other obligation (including to return excess margin), credits, indebtedness or claims or cash, in any currency,
in each case whether direct or indirect, absolute or contingent, matured or unmatured, at any time held or owing by or due from Buyer to or for the credit or the account of Seller. Buyer agrees promptly to notify Seller after any such set off and
application made by Buyer; provided that the failure to give such notice shall not affect the validity of such set off and application. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer shall at any time have the right, in each case until such time as Buyer determines otherwise, to retain, to suspend payment or
performance of, or to decline to remit, any amount or property that Buyer would otherwise be obligated to pay, remit or deliver to Seller hereunder if a Default or an Event of Default has occurred. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;23. TERMINABILITY </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each
representation and warranty made or deemed to be made by entering into a Transaction, herein or pursuant hereto shall survive the making of such representation and warranty, and Buyer shall not be deemed to have waived any Default or Event of
Default that may arise because any such representation or warranty shall have proved to be false or misleading, notwithstanding that Buyer may have had notice or knowledge or reason to believe that such representation or warranty was false or
misleading at the time the Transaction was made. Notwithstanding any such termination or the occurrence of an Event of Default, all of the representations and warranties and covenants hereunder shall continue and survive. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;24. NOTICES AND OTHER COMMUNICATIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Except as otherwise expressly permitted by this Agreement, all notices, requests and other communications provided for herein (including
without limitation any modifications of, or waivers, requests or consents under, this Agreement) shall be given or made in writing (including without limitation by electronic transmission unless otherwise stated) delivered to the intended recipient
at the &#147;Address for Notices&#148; specified below its name on the signature pages hereof); or, as to any party, at such other address as shall be designated by such party in a written notice to each other party. In all cases, to the extent that
the related individual set forth in the respective &#147;Attention&#148; line is no longer employed by the respective Person, such notice may be given to the attention of a Responsible Officer of the respective Person or to the attention of such
individual or individuals as subsequently notified in writing by a Responsible Officer of the respective Person. Except as otherwise provided in this Agreement and except for notices given under Section&nbsp;3 (which shall be effective only on
receipt), all such communications shall be deemed to have been duly given (a)&nbsp;when transmitted during business hours at the recipient&#146;s place of business by email (if an email address for such purpose is provided for such Person), (b) when
delivered, if delivered by hand (including by courier or overnight delivery service), or (c)&nbsp;in the case of a mailed notice, upon receipt, in each case given or addressed as aforesaid. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;25. USE OF THE EVERBANK WAREHOUSE ELECTRONIC SYSTEM AND OTHER ELECTRONIC MEDIA </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller acknowledges and agrees that Buyer may require or permit certain transactions with Buyer be conducted electronically using Electronic
Records and/or Electronic Signatures. Seller consents to the use of Electronic Records and/or Electronic Signatures whenever expressly required or permitted by Buyer and acknowledges and agrees that Seller shall be bound by its Electronic Signature
and by the terms, conditions, requirements, information and/or instructions contained in any such Electronic Records. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller agrees to
adopt as its Electronic Signature its user identification codes, passwords, personal identification numbers, access codes, a facsimile image of a written signature and/or other symbols or processes as provided or required by Buyer from time to time
(as a group, any subgroup thereof or individually, hereinafter referred to as Seller&#146;s Electronic Signature). Seller acknowledges that Buyer will rely on any and all Electronic Records and on Seller&#146;s Electronic Signature transmitted or
submitted to Buyer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer shall not be liable for the failure of either its or Seller&#146;s internet service provider, or any other
telecommunications company, telephone company, satellite company or cable company to timely, properly and accurately transmit any Electronic Record or fax copy, unless such failure is due to the Buyer&#146;s gross negligence, bad faith or willful
misconduct. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Before engaging in Electronic Transactions with Seller, Buyer may provide Seller, or require Seller to create, user
identification codes, passwords, personal identification numbers and/or access codes, as applicable, to permit access to Buyer&#146;s computer information processing system. Each Person permitted access to the EverBank Warehouse Electronic System
must have a separate identification code and password. Seller shall be fully responsible for protecting and safeguarding any and all user identification codes, passwords, personal identification numbers and access codes provided or required by
Buyer. Seller shall adopt and maintain security measures to prevent the loss, theft or unauthorized or improper disclosure or use of any and all user identification codes, passwords, personal identification numbers and/or access codes by Persons
other than the individual Person who is authorized to use such information. Seller shall notify Buyer immediately in the event (a)&nbsp;of any loss, theft or unauthorized disclosure or use of any of the user identification codes, passwords, personal
identification numbers and/or access codes or (b)&nbsp;Seller has any reason to believe there has been a breach of security or that its access to EverBank Warehouse Electronic System is no longer secure for any reason. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller understands and agrees that it shall be fully responsible for protecting and safeguarding its computer hardware and software from any
and all (x)&nbsp;computer &#147;<U>viruses</U>,&#148; &#147;<U>time bombs</U>,&#148; &#147;<U>trojan horses</U>&#148; or other harmful computer information, commands, codes or programs that may cause or facilitate the destruction, corruption,
malfunction or appropriation of, or damage or change to, any of Seller&#146;s or Buyer&#146;s computer information processing systems, including without limitation, all hardware, software, Electronic Records, information, data and/or codes and
(y)&nbsp;computer &#147;<U>worms</U>,&#148; &#147;<U>trap doors</U>&#148; or other harmful computer information, commands, codes or programs that enable unauthorized access to Seller&#146;s and/or Buyer&#146;s computer information processing
systems, including without limitation, all hardware, software, Electronic Records, information, data and/or codes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller agrees that
Buyer may, in its sole discretion and from time to time, without limiting Seller&#146;s liability set forth herein, establish minimum security standards that Seller must, at a minimum, comply with in an effort to (aa) protect and safeguard any and
all user identification codes, passwords, personal identification numbers and/or access codes from loss, theft or unauthorized disclosure or use; and (bb) prevent the infiltration and &#147;<U>infection</U>&#148; of Seller&#146;s hardware and/or
software by any and all computer &#147;<U>viruses</U>,&#148; &#147;<U>time bombs</U>,&#148; &#147;<U>trojan horses</U>,&#148; &#147;<U>worms</U>,&#148; &#147;<U>trapdoors</U>&#148; or other harmful computer codes or programs. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">If Buyer, from time to time, establishes minimum security standards, Seller shall comply
with such minimum security standards within the time period established by Buyer. Buyer shall have the right to confirm Seller&#146;s compliance with any such minimum security standards. Seller&#146;s compliance with such minimum security standards
shall not relieve Seller from any of its liability set forth herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Whether or not Buyer establishes minimum security standards, Seller
shall continue to be fully responsible for adopting and maintaining security measures that are consistent with the risks associated with conducting electronic transactions with Buyer. Seller&#146;s failure to adopt and maintain appropriate security
measures or to comply with any minimum security standards established by Buyer may result in, among other things, termination of Seller&#146;s access to Buyer&#146;s computer information processing systems. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller understands and agrees that certain elements or components of the EverBank Warehouse Electronic System may be provided by third party
vendors, and hereby holds Buyer harmless from any liabilities, losses, damages, judgments, costs and expenses of any kind which may be imposed on, incurred by or asserted against Seller relating to or arising out of Seller&#146;s use of the EverBank
Warehouse Electronic System including, without limitation, the use or failure of any elements or components provided by third party vendors, unless such liabilities, losses, damages, judgments, costs and expenses are due to the Buyer&#146;s gross
negligence, bad faith or willful misconduct. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;26. ENTIRE AGREEMENT; SEVERABILITY; SINGLE AGREEMENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This Agreement, together with the Facility Documents, constitute the entire understanding between Buyer and Seller with respect to the subject
matter they cover and shall supersede any existing agreements between the parties containing general terms and conditions for repurchase transactions involving Purchased Mortgage Loans. By acceptance of this Agreement, Buyer and Seller each
acknowledge that they have not made, and are not relying upon, any statements, representations, promises or undertakings not contained in this Agreement. Each provision and agreement herein shall be treated as separate and independent from any other
provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer and Seller acknowledge that they will enter into each Transaction hereunder in consideration of and in reliance upon the fact that all
Transactions hereunder constitute a single business and contractual relationship and that each has been entered into in consideration of the other Transactions. Accordingly, each of Buyer and Seller agrees (a)&nbsp;to perform all of its obligations
in respect of each Transaction hereunder, and that an uncured Default in the performance of any such obligations shall constitute a default by it in respect of all Transactions hereunder, (b)&nbsp;that Buyer shall be entitled to set off claims and
apply property held by it in respect of any Transaction against obligations owing to it in respect of any other Transaction hereunder, (c)&nbsp;that payments, deliveries, and other transfers made by either of them in respect of any Transaction shall
be deemed to have been made in consideration of payments, deliveries, and other transfers in respect of any other Transactions hereunder, and the obligations to make any such payments, deliveries, and other transfers may be applied against each
other and netted, and (d)&nbsp;to promptly provide notice to the other after any such set off or application. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;27. GOVERNING LAW </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>THIS AGREEMENT SHALL BE GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO THE CONFLICT OF LAW PRINCIPLES
THEREOF, OTHER THAN SECTIONS <FONT STYLE="white-space:nowrap">5-1401</FONT> AND <FONT STYLE="white-space:nowrap">5-1402</FONT> OF THE NEW YORK GENERAL OBLIGATIONS LAW. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND
ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY <FONT STYLE="white-space:nowrap">E-SIGN.</FONT>
</B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;28. SUBMISSION TO JURISDICTION; WAIVERS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>BUYER AND SELLER HEREBY IRREVOCABLY AND UNCONDITIONALLY: </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(i) PURSUANT TO SECTION <FONT STYLE="white-space:nowrap">5-1402</FONT> OF THE NEW YORK GENERAL OBLIGATIONS LAW, SUBMITS FOR
ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO THIS AGREEMENT AND THE OTHER FACILITY DOCUMENTS, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT THEREOF, TO THE EXCLUSIVE PERSONAL JURISDICTION OF THE COURTS OF THE
STATE OF NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF; </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(ii) CONSENTS THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO THE EXTENT PERMITTED BY LAW, WAIVES
ANY OBJECTION THAT IT MAY NOW OR HEREAFTER HAVE TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT TO PLEAD OR CLAIM THE SAME; </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(iii) AGREES THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED BY MAILING A COPY THEREOF BY
REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH UNDER ITS SIGNATURE BELOW, TO ITS REGISTERED AGENT OR AT SUCH OTHER ADDRESS OF WHICH THE OTHER PARTY SHALL HAVE BEEN NOTIFIED; AND
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(iv) HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO TRIAL BY
JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER FACILITY DOCUMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;29. NO WAIVERS, ETC. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">No
failure on the part of Buyer to exercise and no delay in exercising, and no course of dealing with respect to, any right, power or privilege under any Facility Document shall operate as a waiver thereof, nor shall any single or partial exercise of
any right, power or privilege under any Facility Document preclude any other or further exercise thereof or the exercise of any other right, power or privilege. The remedies provided herein are cumulative and not exclusive of any remedies provided
by law. An Event of Default shall be deemed to be continuing unless expressly waived by Buyer in writing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">56 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;30. CONFIDENTIALITY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each of Buyer and Seller hereby acknowledge and agree that all written or computer-readable information provided by one party to any other
regarding the terms set forth in any of the Facility Documents or the Transactions contemplated thereby (the &#147;<U>Confidential Terms</U>&#148;) shall be kept confidential and shall not be divulged to any Person (other than the Custodian) without
the prior written consent of such other party, except to the extent that (a)&nbsp;it is necessary to do so in working with legal counsel, auditors, taxing authorities or other governmental agencies or regulatory bodies or in order to comply with any
applicable federal or state laws, (b)&nbsp;any of the Confidential Terms are in the public domain other than due to a breach of this covenant, or (c)&nbsp;in the event of an Event of Default, Buyer determines such information to be necessary or
desirable to disclose in connection with the marketing and sales of the Purchased Mortgage Loans or otherwise to enforce or exercise Buyer&#146;s rights hereunder. Notwithstanding the foregoing or anything to the contrary contained herein or in any
other Facility Document, the parties hereto may disclose to any and all Persons, without limitation of any kind, the federal, state and local tax treatment of the Transactions, any fact relevant to understanding the federal, state and local tax
treatment of the Transactions, and all materials of any kind (including opinions or other tax analyses) relating to such federal, state and local tax treatment and that may be relevant to understanding such tax treatment; provided that Seller may
not disclose the name of or identifying information with respect to Buyer or any pricing terms (including, without limitation, the Pricing Rate, Warehouse Fees, Purchase Price Percentage and Purchase Price) or other nonpublic business or financial
information (including any sublimits and financial covenants) that is unrelated to the federal, state and local tax treatment of the Transactions and is not relevant to understanding the federal, state and local tax treatment of the Transactions,
without the prior written consent of Buyer. The provisions set forth in this Section&nbsp;30 shall survive the termination of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything in this Agreement to the contrary, Buyer and Seller shall each comply, in all material respects, with all applicable
local, state and federal laws, including, without limitation, all privacy and data protection law, rules and regulations that are applicable to the Repurchase Assets and/or any applicable terms of this Agreement (the &#147;<U>Confidential
Information</U>&#148;). Buyer and Seller each understands that the Confidential Information may contain &#147;nonpublic personal information&#148;, as that term is defined in Section&nbsp;509(4) of the Gramm-Leach-Bliley Act (the &#147;<U>GLB
Act</U>&#148;), and each party agrees to maintain such nonpublic personal information that it receives hereunder in accordance with the GLB Act and other applicable federal and state privacy laws. Buyer and Seller shall implement such physical and
other security measures as shall be necessary to (a)&nbsp;ensure the security and confidentiality of the &#147;nonpublic personal information&#148; of the &#147;customers&#148; and &#147;consumers&#148; (as those terms are defined in the GLB Act) of
the other party hereto, (b)&nbsp;protect against any threats or hazards to the security and integrity of such nonpublic personal information, and (c)&nbsp;protect against any unauthorized access to or use of such nonpublic personal information.
Buyer and Seller each shall, at a minimum establish and maintain such data security program as is necessary to meet the objectives of the Interagency Guidelines Establishing Standards for Safeguarding Customer Information as set forth in the Code of
Federal Regulations at 12 C.F.R. Parts 30, 208, 211, 225, 263, 308, 364, 568 and 570. Upon request, each party will provide the other party evidence reasonably satisfactory to allow the requesting party to confirm that the responding party has
satisfied its obligations as required under this Section. Without limitation, this may include, to the extent permitted by applicable Requirements of Law and applicable contractual obligations, any party&#146;s review of audits, summaries of test
results, and other equivalent evaluations of the other party. Each party shall notify the other party immediately following discovery of any breach or compromise of the security, confidentiality, or integrity of nonpublic personal information of the
customers and consumers of the other party provided directly to such party by the other party. Each party shall provide such notice to the other party by personal delivery, by facsimile with confirmation of receipt, or by overnight courier with
confirmation of receipt to the applicable requesting individual. The provisions set forth in this Section shall survive the termination of this Agreement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;31. INTENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) The parties recognize that each Transaction is a &#147;repurchase agreement&#148; as that term is defined in Section&nbsp;101 of Title 11
of the United States Code, as amended and a &#147;securities contract&#148; as that term is defined in Section&nbsp;741 of Title 11 of the United States Code, as amended and that all payments hereunder are deemed &#147;margin payments&#148; or
&#147;settlement payments&#148; as defined in Title 11 of the United States Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) It is understood that either party&#146;s right to
liquidate Purchased Mortgage Loans delivered to it in connection with Transactions hereunder or to exercise any other remedies pursuant to Section&nbsp;14 hereof is a contractual right to liquidate such Transaction as described in Sections 555 and
559 of Title 11 of the United States Code, as amended. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) The parties agree and acknowledge that if a party hereto is an &#147;insured
depository institution,&#148; as such term is defined in the Federal Deposit Insurance Act, as amended (&#147;FDIA&#148;), then each Transaction hereunder is a &#147;qualified financial contract,&#148; a &#147;repurchase agreement&#148; and a
&#147;securities contract&#148; as such terms are defined in FDIA and any rules, orders or policy statements thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) It is
understood that this Agreement constitutes a &#147;netting contract&#148; as defined in and subject to Title IV of the Federal Deposit Insurance Corporation Improvement Act of 1991 (&#147;<U>FDICIA</U>&#148;) and each payment entitlement and payment
obligation under any Transaction hereunder shall constitute a &#147;covered contractual payment entitlement&#148; or &#147;covered contractual payment obligation&#148;, respectively, as defined in and subject to FDICIA (except insofar as one or both
of the parties is not a &#147;financial institution&#148; as that term is defined in FDICIA). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;32. DISCLOSURE RELATING TO CERTAIN FEDERAL
PROTECTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The parties acknowledge that they have been advised that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) in the case of Transactions in which one of the parties is a broker or dealer registered with the Securities and Exchange Commission
(&#147;<U>SEC</U>&#148;) under Section&nbsp;15 of the Securities Exchange Act of 1934 (&#147;<U>1934 Act</U>&#148;), the Securities Investor Protection Corporation has taken the position that the provisions of the Securities Investor Protection Act
of 1970 (&#147;<U>SIPA</U>&#148;) do not protect the other party with respect to any Transaction hereunder; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) in the case of
Transactions in which one of the parties is a government securities broker or a government securities dealer registered with the SEC under Section&nbsp;15C of the 1934 Act, SIPA will not provide protection to the other party with respect to any
Transaction hereunder; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) in the case of Transactions in which one of the parties is a financial institution, funds held by the
financial institution pursuant to a Transaction hereunder are not a deposit and therefore are not insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund, as applicable. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;33. AUTHORIZATIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Any of
the persons whose signatures and titles appear on Schedule 3 to the Pricing Letter are authorized, acting singly, to act for Seller or Buyer, as the case may be, under this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">58 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;34. ACKNOWLEDGEMENT OF ANTI-PREDATORY LENDING POLICIES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Buyer has in place internal policies and procedures that expressly prohibit its purchase of any High Cost Mortgage Loan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;35. MISCELLANEOUS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)
<U>Counterparts</U>. This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Agreement by signing any such counterpart.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <U>Captions</U>. The captions and headings appearing herein are for included solely for convenience of reference and are not intended
to affect the interpretation of any provision of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Acknowledgment</U>. Seller hereby acknowledges that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) it has been advised by counsel in the negotiation, execution and delivery of this Agreement and the other Facility
Documents; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) Buyer has no fiduciary relationship to Seller; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) no joint venture exists between Buyer and Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <U>Documents Mutually Drafted</U>. Seller and Buyer agree that this Agreement each other Facility Document prepared in connection with the
Transactions set forth herein have been mutually drafted and negotiated by each party, and consequently such documents shall not be construed against either party as the drafter thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Amendments</U>. This Agreement and each other Facility Document (other than the EverBank Warehouse Customer Guide) may only be amended
by a written instrument signed by Buyer and Seller. The EverBank Warehouse Customer Guide may be amended from time to time for operational changes without the consent of the Seller. The EverBank Warehouse Customer Guide may be amended for <FONT
STYLE="white-space:nowrap">non-operational</FONT> changes that impact Seller with consent or assent by Seller (such consent or assent not to be unreasonably withheld) and such amendments shall be effective immediately upon such consent/assent of
Seller of the change and Mortgage Loans sold to Buyer after the effective date of any such amendment shall be governed by the revised EverBank Warehouse Customer Guide. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;36. GENERAL INTERPRETIVE PRINCIPLES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, except as otherwise expressly provided or unless the context otherwise requires: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) the terms defined in this Agreement have the meanings assigned to them in this Agreement and include the plural as well as the singular,
and the use of any gender herein shall be deemed to include the other gender; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with generally accepted accounting principles; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">59 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) references herein to &#147;<U>Articles</U>&#148;, &#147;<U>Sections</U>&#148;,
&#147;<U>Subsections</U>&#148;, &#147;<U>Paragraphs</U>&#148;, and other subdivisions without reference to a document are to designated Articles, Sections, Subsections, Paragraphs and other subdivisions of this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) a reference to a Subsection without further reference to a Section is a reference to such Subsection as contained in the same Section in
which the reference appears, and this rule shall also apply to Paragraphs and other subdivisions; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) the words
&#147;<U>herein</U>&#148;, &#147;<U>hereof</U>&#148;, &#147;<U>hereunder</U>&#148; and other words of similar import refer to this Agreement as a whole and not to any particular provision; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) the term &#147;<U>include</U>&#148; or &#147;<U>including</U>&#148; shall mean without limitation by reason of enumeration; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) all times specified herein or in any other Facility Document (unless expressly specified otherwise) are local times in New York, New York
unless otherwise stated; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) all references herein or in any Facility Document to &#147;<U>good faith</U>&#148; means good faith as
defined in <FONT STYLE="white-space:nowrap">Section&nbsp;1-201(19)</FONT> of the Uniform Commercial Code as in effect in the State of New York. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[THIS SPACE INTENTIONALLY LEFT BLANK] </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties have entered into this Agreement as of the date set forth
above. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3"><U>BUYER</U>:</TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>EVERBANK, N.A., </B>a national association</TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Stephen Burse</P></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Name: Stephen Burse</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Title: Senior Vice President</TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EverBank</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">301 West Bay Street, 27<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> Floor</P></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Attention: Stephen Hanson</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="white-space:nowrap">E-mail:</FONT> Stephen.Hanson@EverBank.com</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Telephone No.: (904) <FONT STYLE="white-space:nowrap">623-2335</FONT></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">with copies to:</P></TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EverBank</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">301 West Bay Street, 25<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> Floor</P></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Attention: Legal Department</TD></TR>
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<TD VALIGN="top" COLSPAN="3"><FONT STYLE="white-space:nowrap">E-mail:</FONT> John.Maroney@EverBank.com</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Telephone No.: (904) <FONT STYLE="white-space:nowrap">623-8425</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Signature Page to Radian Mortgage Capital LLC Master Repurchase Agreement </P>
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<TD VALIGN="top" COLSPAN="3"><U>SELLER</U>:</TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>RADIAN MORTGAGE CAPITAL LLC</B>, a Delaware limited liability company</TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Preston R. James</P></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Preston R. James, Jr.</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: &#8194;SVP Mortgage Operations and Manager</TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3"><U>Address for Notices</U>:</TD></TR>
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<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Radian Mortgage Capital LLC</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">1700 N.
Lincoln St., Suite 2500</P></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Denver, CO 80203</TD></TR>
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<TD VALIGN="top" COLSPAN="3">Attn: Preston R. James, Jr.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="white-space:nowrap">E-mail:</FONT></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Telephone No.:</TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3">with copies to:</TD></TR>
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<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Radian Mortgage Capital LLC</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">1700 N.
Lincoln St., Suite 2500</P></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Denver, CO 80203</TD></TR>
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<TD VALIGN="top" COLSPAN="3">Attn:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="white-space:nowrap">E-mail:</FONT></TD></TR>
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<TD VALIGN="top" COLSPAN="3">Telephone No.:</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Signature Page to Radian Mortgage Capital LLC Master Repurchase Agreement </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>SCHEDULE 1 </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE OF REPRESENTATIONS AND WARRANTIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REGARDING MORTGAGE LOANS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">As to representation and warranties concerning Purchased Mortgage Loans, Seller represents and warrants to Buyer that such representations and
warranties are true and correct in all material respects and in full force and effect as of the Purchase Date through and until the Repurchase Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">For purposes of this Schedule 1 and the representations and warranties set forth herein, a breach of a representation or warranty shall be
deemed to have been cured with respect to a Mortgage Loan if and when Seller has taken or caused to be taken action such that the event, circumstance or condition that gave rise to such breach no longer adversely affects such Mortgage Loan. With
respect to those representations and warranties which are made to the best of Seller&#146;s knowledge, if it is discovered by Seller or Buyer that the substance of such representation and warranty is inaccurate, notwithstanding Seller&#146;s lack of
knowledge with respect to the substance of such representation and warranty, such inaccuracy shall be deemed a breach of the applicable representation and warranty. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">A. <B><U>Purchaser Guidelines</U></B>. Each Mortgage Loan conforms to the specifications set forth by this Agreement, including, but not
limited to, the Purchaser Guidelines, and Buyer, Agency and insurer regulations, rules, guides and handbooks for loans eligible for sale to, insurance by or pooling to back securities issued or guaranteed by such Buyer, Agency, or insurer. Each
Conforming Mortgage Loan is eligible as collateral for Ginnie Mae mortgage backed securities or is eligible for purchase by an Agency. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">B.
<B><U>Mortgage Loans as Described</U></B>. The information set forth in the Mortgage Loan Schedule is complete, true and correct. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">C.
<B><U>No Defenses</U></B>. The Mortgage Loan, and the Assignment of Proprietary Lease related to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, is not subject to any right of rescission, <FONT STYLE="white-space:nowrap">set-off,</FONT>
counterclaim or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage
unenforceable, in whole or in part, and no such right of rescission, <FONT STYLE="white-space:nowrap">set-off,</FONT> counterclaim or defense has been asserted with respect thereto, and no Mortgagor was a debtor in any state or federal bankruptcy or
insolvency proceeding at, or subsequent to, the time the Mortgage Loan was originated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">D. <B><U>Disbursement</U></B>. The Mortgage Loan
has been closed and the proceeds of the Mortgage Loan have been fully disbursed, there is no requirement for future advances thereunder, any and all requirements as to completion of any <FONT STYLE="white-space:nowrap">on-site</FONT> or <FONT
STYLE="white-space:nowrap">off-site</FONT> improvements have been complied with, and any disbursements of any escrow funds have been made. All costs, fees and expenses incurred in making, or closing the Mortgage Loan and the recording of the
Mortgage were paid to the appropriate parties, the mortgage insurance premium or the VA guarantee fee has been paid as applicable, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">E. <B><U>Payments and Advances</U></B>. Seller has not, and to the best of Seller&#146;s knowledge no Person has, advanced funds, or induced,
solicited or received any advance of funds by a Person other than the Mortgagor, directly or indirectly, for the payment of any amount required under or to obtain the Mortgage Loan, or any tax, insurance, special assessment, sewer, utility or
similar payments with respect to the Mortgaged Property. The Mortgagor has made any down payment required in connection with the Mortgage Loan, and has received no concession from Seller, the seller of the Mortgaged Property or any other third
Person, except as clearly disclosed in the Mortgage File and in writing to Buyer. No subordinate financing was used in the Mortgagor&#146;s acquisition of the property securing the Mortgage Loan other than subordinate financing acceptable to Buyer,
Fannie Mae, Freddie Mac, Ginnie Mae, HUD, or VA pursuant to their requirements in effect at the time of purchase of the Mortgage Loan by the Buyer. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-1 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">F. <B><U>Compliance with Requirements of Law</U></B>. Any and all Requirements of Law,
including, but not limited to, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure, unfair and deceptive practices laws, securities laws or privacy laws, applicable to the
Mortgage Loan have been satisfied and complied with, and the consummation of the transactions contemplated hereby will not involve the violation of any Requirements of Law. Seller shall maintain in its possession, available for Buyer&#146;s
inspection, and shall deliver to Buyer upon reasonable demand, evidence of compliance with all Requirements of Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">G. <B><U><FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan: Compliance with Law</U></B>. With respect to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, the related cooperative corporation that owns title to the related cooperative apartment building is
a &#147;<U>cooperative housing corporation</U>&#148; within the meaning of Section&nbsp;216 of the Code, and is in material compliance with applicable Requirements of Law which, if not complied with, could have a Material Adverse Effect on the
Mortgaged Property. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">H. <B><U>Mortgage Insurance</U></B>. There are no defenses, counterclaims, or rights of setoff, or other facts or
circumstances affecting the eligibility of the Mortgage Loans for insurance by an insurer, or affecting the validity or enforceability of any mortgage insurance or mortgage guaranty with respect to the Mortgage Loan as a result of any act, error or
omission of Seller or of any other Person including, but not limited to, any FHA insurance. Each HECM was underwritten in accordance with all FHA standards applicable to reverse mortgages and is fully insurable by FHA, which insurance is in full
force and effect or, if such insurance is not in full force and effect on the related Purchase Date, will be retroactive to the date such Mortgage Loan was originated by Seller, and the Mortgage Loan is not subject to any defect that could diminish
or impair the FHA insurance, and no circumstances exist with respect to any HECM that could permit the FHA to deny coverage, in whole or in part, under the related FHA insurance. The related FHA policy calls for the assignment of the Mortgage Loan
to FHA as opposed to the <FONT STYLE="white-space:nowrap">co-insurance</FONT> option. The entire amount of the insurance premium has been paid to FHA in accordance with the FHA Regulations and no portion of such premium is shared with or by Seller
or, if the monthly premium option has been chosen for such Mortgage Loan, all such premiums due on or before the related Purchase Date have been duly and timely paid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">I. <B><U>Damage; Condemnation</U></B>. There is no proceeding pending for the total or partial condemnation of the Mortgaged Property and such
Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan, the use for which the
Mortgaged Property was intended or the eligibility of the Mortgage Loan for full payment of insurance benefits, and there are no pending or threatened proceedings for total or partial condemnation of the Mortgaged Property. To the Seller&#146;s
knowledge, each Mortgaged Property is in good repair. With respect to any FHA Loans, Seller has completed any property inspections required by FHA Regulations, other Requirements of Law, and such inspections, if any, show no evidence of property
damage or deferred maintenance, unless the property damage and deferred maintenance was considered part of the initial Repair Set Aside Account disclosed in the Mortgage File at closing with respect to any FHA Loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">J. <B><U>Type of Mortgaged Property</U></B>. The Mortgaged Property is located in the state identified in the Mortgage File and consists of a
single parcel of real property with a detached single-family residence erected thereon, or a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">two-to-four-family</FONT></FONT> dwelling, a townhouse, or an individual condominium unit
in a condominium, or a <FONT STYLE="white-space:nowrap">Co-op</FONT> Unit, or an individual unit in a planned unit development; provided, however, that any condominium unit, <FONT STYLE="white-space:nowrap">Co-op</FONT> Project or planned unit
development conforms with insurer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
requirements with respect to such dwellings, and that no residence or dwelling is a mobile home. If the Mortgaged Property is a condominium unit or a unit in a planned unit development (other
than a de minimis planned unit development) or a <FONT STYLE="white-space:nowrap">Co-op</FONT> Unit such condominium or planned unit development project is (i)&nbsp;acceptable to Fannie Mae or Freddie Mac or (ii)&nbsp;located in a condominium or
planned unit development project which has received project approval from Fannie Mae or Freddie Mac. The representations and warranties required by Fannie Mae with respect to such condominium or planned unit development have been satisfied and
remain true and correct. No portion of the Mortgaged Property is used for commercial purposes provided, that Mortgaged Properties which contain a home office shall not be considered as being used for commercial purposes as long as the Mortgaged
Property has not been altered for commercial purposes and is not storing any chemicals or raw materials other than those commonly used for homeowner repair, maintenance and/or household purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">K. <B><U>Leaseholds</U></B>. If the Mortgage Loan is secured by a long term residential lease, (1)&nbsp;the lessor under the lease holds a fee
simple interest in the land; (2)&nbsp;the terms of such lease expressly permit the mortgaging of the leasehold estate, the assignment of the lease without the lessor&#146;s consent and the acquisition by the holder of the Mortgage of the rights of
the lessee upon foreclosure or assignment in lieu of foreclosure or provide the holder of the Mortgage with substantially similar protections; (3)&nbsp;the terms of such lease do not (a)&nbsp;allow the termination thereof upon the lessee&#146;s
default without the holder of the Mortgage being entitled to receive written notice of, and opportunity to cure, such default, (b)&nbsp;allow the termination of the lease in the event of damage or destruction as long as the Mortgage is in existence,
(c)&nbsp;prohibit the holder of the Mortgage from being insured (or receiving proceeds of insurance) under the hazard insurance policy or policies relating to the Mortgaged Property or (d)&nbsp;permit any increase in rent other than <FONT
STYLE="white-space:nowrap">pre-established</FONT> increases set forth in the lease; (4)&nbsp;the original term of such lease is not less than 15 years; (5)&nbsp;the term of such lease does not terminate earlier than five years after the maturity
date of the Mortgage Note; and (6)&nbsp;the Mortgaged Property is located in a jurisdiction in which the use of leasehold estates in transferring ownership in residential properties is a widely accepted practice. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">L. <B><U>Good Title</U></B>. Immediately prior to the transfer and assignment of the Mortgage Loan to the Buyer, the Mortgage Loan is not
assigned or pledged, and Seller has good, indefeasible, and marketable title thereto, and Seller is the sole owner and holder of the Mortgage Loan and the indebtedness evidenced by each Mortgage Note (and with respect to any <FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan, the sole owner of the related Assignment of Proprietary Lease), free and clear of any and all Liens, of any nature, and there has been no other sale, transfer, or assignment of security interest granted
by the Seller to any other party, nor are there any other restrictions limiting the transfer of the Mortgage Loan, and Seller has full right, title and authority, subject to no interest or participation of, agreement with, or approval of, any other
Person, to sell, assign and transfer the Mortgage Loan pursuant to this Agreement and following the sale of each Mortgage Loan, the Buyer will own such Mortgage Loan free and clear of any encumbrance, equity, participation interest, Lien, pledge,
charge, claim or security interest. Seller intends to relinquish all rights to possess, control and monitor each Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">M. <B><U><FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan: No Pledge</U></B>. With respect to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, there is no prohibition against pledging the shares of the cooperative corporation or assigning the Proprietary
Lease. With respect to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, (i)&nbsp;the term of the related Proprietary Lease is longer than the term of the <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, (ii)&nbsp;there is no provision in
any Proprietary Lease which requires the Mortgagor to offer for sale the <FONT STYLE="white-space:nowrap">Co-op</FONT> Shares owned by such Mortgagor first to the <FONT STYLE="white-space:nowrap">Co-op</FONT> Corporation, (iii)&nbsp;there is no
prohibition in any Proprietary Lease against pledging the <FONT STYLE="white-space:nowrap">Co-op</FONT> Shares or assigning the Proprietary Lease and (iv)&nbsp;the Recognition Agreement is on a form of agreement published by Aztech Document Systems,
Inc. as of the date hereof or includes provisions which are no less favorable to the lender than those contained in such agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">N. <B><U>No Litigation</U></B>. There is no pending and no threatened litigation, which may
affect in any way, by attachment or otherwise, the title or interest of the Seller in and to the Mortgage Loan, the property securing the Mortgage Loan, or any related note or security instrument. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">O. <B><U>Mortgage File</U></B>. The Mortgage File contains each of the documents and instruments required by the Custodial Agreement and by
applicable Requirements of Law or insurer requirements, duly executed and in due and proper form and each such document or instrument is genuine and in form acceptable to insurers and the information contained therein is true, accurate and complete.
The Mortgage Loan was originated in accordance with insurer underwriting standards in effect at the time the Mortgage Loan was originated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">P. <B><U>Occupancy; Inspection</U></B>. As of the Purchase Date, the Mortgaged Property is lawfully occupied under all applicable Requirements
of Law. All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of
occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Q. <B><U>No Outstanding
Charges</U></B>. There are no defaults in complying with the terms of the Mortgage Loan, and all taxes, governmental assessments, insurance premiums, water, sewer and municipal charges, leasehold payments or ground rents which previously became due
and owing have been paid, or an escrow of funds or a tax and insurance <FONT STYLE="white-space:nowrap">set-aside</FONT> has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is
not yet due and payable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">R. <B><U>Original Terms Unmodified</U></B>. The terms of the Mortgage Note (and the Proprietary Lease and the
Pledge Instruments with respect to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan) and Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument that has: (a)&nbsp;been recorded, if
necessary to protect the interests of Buyer; and (b)&nbsp;been delivered to the Custodian. The substance of any such waiver, alteration or modification has been approved by the issuer of any related mortgage insurance and the title insurer, to the
extent required by the policy, and, as applicable, its terms are reflected on the Mortgage Loan Schedule. No Mortgagor has been released in whole or in part, except in connection with an assumption agreement approved by the issuer of any related
private mortgage insurance policy and the title insurer to the extent required by the policy, and which assumption agreement is part of the Mortgage File delivered to the Custodian and the terms of which are reflected in the Mortgage Loan Schedule.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">S. <B><U>No Satisfaction of Mortgage</U></B>. The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in
part, and the Mortgaged Property has not been released from the Lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such release, cancellation, subordination or rescission. Seller has not waived the
performance by the Mortgagor of any action, if the Mortgagor&#146;s failure to perform such action would cause the Mortgage Loan to be in default, nor has Seller waived any default resulting from any action or inaction by the Mortgagor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">T. <B><U>Valid First Lien</U></B>. The Mortgage is a valid, subsisting, enforceable and perfected first Lien on the Mortgaged Property
including all buildings on the Mortgaged Property and all installations and mechanical, electrical, plumbing, heating and air conditioning systems located in or annexed to such buildings, and all additions, alterations and replacements made at any
time with respect to the foregoing. There is no delinquent tax or assessment Lien against the Mortgaged Property, and all property tax bills have been paid by the Mortgagor, the Seller, its servicer or prior servicer. The Lien of the Mortgage is
subject only to: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a) the Lien of current real property taxes and assessments not yet due and payable; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording
acceptable to prudent mortgage lending institutions generally and specifically referred to in the lender&#146;s title insurance policy delivered to the originator of the Mortgage Loan and: (i)&nbsp;referred to or to otherwise considered in the
Appraisal relating to the Mortgage Loan; or (ii)&nbsp;that do not adversely affect the Appraised Value of the Mortgaged Property set forth in such Appraisal; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended
to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Any security agreement,
chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, subsisting, enforceable and perfected first priority Lien on the Mortgaged Property described therein and Seller
has full right to sell and assign the same to the Buyer in accordance with the Requirements of Law and any and all contractual obligations. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, unless otherwise
indicated, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a Lien subordinate to the Lien of the Mortgage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">U. <B><U><FONT STYLE="white-space:nowrap">Co-op</FONT> Loan: Valid First Lien</U></B>. With respect to each
<FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, the related Mortgage is a valid, enforceable and subsisting first security interest on the related cooperative shares securing the related cooperative note and lease, subject only to (a)&nbsp;liens
of the cooperative for unpaid assessments representing the Mortgagor&#146;s pro rata share of the cooperative&#146;s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other
assessments to which like collateral is commonly subject and (b)&nbsp;other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the security interest.
There are no liens against or security interests in the cooperative shares relating to each <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan (except for unpaid maintenance, assessments and other amounts owed to the related cooperative which
individually or in the aggregate will not have a material adverse effect on such <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan), which have priority equal to or over the Seller&#146;s security interest in such
<FONT STYLE="white-space:nowrap">Co-op</FONT> Shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">V. <B><U>No Fraud</U></B>. The Mortgage Note and the Mortgage and any other
agreement executed and delivered by a Mortgagor in connection with a Mortgage Loan are genuine, and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms. All parties to the Mortgage Note and
the Mortgage and any other related agreement had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage and any other related agreement, and the Mortgage Note and the Mortgage and any other such
related agreement have been duly and properly executed by such Persons. The documents, instruments and agreements submitted for Mortgage Loan underwriting were not falsified and contain no untrue statement of material fact nor do they omit to state
a material fact required to be stated therein or necessary to make the information and statements therein not misleading. No fraud, error, omission, misrepresentation, negligence or similar occurrence was committed in connection with the origination
of the Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">W. <B><U>Title Insurance</U></B>. Each Mortgage Loan is covered by an ALTA lender&#146;s title insurance policy, or
with respect to any Mortgage Loan for which the related Mortgaged Property is located in California, a CLTA lender&#146;s title insurance policy, or other generally acceptable form of policy of insurance, issued by a title insurer qualified to do
business in the jurisdiction where the Mortgaged Property is located, insuring Seller, its successors and assigns: (a)&nbsp;as to the first priority Lien of the Mortgage (for </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-5 </P>

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HECMs, in an amount equal to the Maximum Claim Amount as to each Mortgage Loan); and (b)&nbsp;against any loss by reason of the invalidity or unenforceability of the Lien resulting from the
provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment with respect to each Adjustable Rate Loan, subject only to the exceptions contained in clauses (a), (b), and (c)&nbsp;of Part T of this Schedule 1.
Where required by state Requirements of Law applicable to Seller, the Mortgagor has been given the opportunity to choose the carrier of the required mortgage title insurance. Additionally, such lender&#146;s title insurance policy affirmatively
insures ingress and egress, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller, and its successors and assigns, are the sole insured of such lender&#146;s title insurance policy, and such lender&#146;s
title insurance policy is valid and in full force and effect and will be in force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender&#146;s title insurance policy, and no
prior holder of the Mortgage, including Seller, has done, by act or omission, anything that would impair the coverage of such lender&#146;s title insurance policy. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">X. <B><U>Hazard Insurance</U></B>. For each Mortgage Loan, pursuant to the terms of the Mortgage, all buildings or other improvements upon the
Mortgaged Property are insured by an insurer acceptable to the Buyer against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, as are provided for by Fannie Mae or
by Freddie Mac, as well as all additional requirements set forth in the Underwriting Guidelines. Mortgagor has obtained coverage in an amount which is at least equal to the full insurable value of the improvements on the Mortgaged Property. The
policy either includes provisions for inflation adjustments or guaranteed replacement cost coverage of the Mortgaged Property. In the case of flood insurance, Mortgagor has obtained the maximum amount of insurance that is available under the
National Flood Insurance Act of 1968. If upon origination of the Mortgage Loan, the Mortgaged Property was in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood
insurance has been made available), a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to all Requirements of Law and applicable insurer
requirements. All individual insurance policies contain a standard mortgagee clause naming Seller and its successors and assigns as mortgagee, and all premiums thereon have been paid. The Mortgage obligates the Mortgagor thereunder to maintain the
hazard insurance policy at the Mortgagor&#146;s cost and expense, and on the Mortgagor&#146;s failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor&#146;s cost and expense, and to seek
reimbursement therefor from the Mortgagor. Where required by state Requirements of Law applicable to Seller, the Mortgagor has been given an opportunity to choose the carrier of the required hazard insurance, provided the policy is not a
&#147;<U>master</U>&#148; or &#147;<U>blanket</U>&#148; hazard insurance policy covering the common facilities of a planned unit development. The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and
effect, and will be in full force and effect and inure to the benefit of Buyer upon the consummation of the transactions contemplated by this Agreement. Seller has not engaged in, and has no knowledge of the Mortgagor&#146;s or any servicer&#146;s
having engaged in, any act or omission which would impair the coverage of any such policy, the benefits of the endorsement provided for herein, or the validity and binding effect of either. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Y. <B><U>No Default</U></B>. The Mortgage Loan is current and all payments have been made within the month such payments were due, and if the
Mortgage Loan is a <FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, no foreclosure action or private or public sale under the Uniform Commercial Code has ever, to the knowledge of the Seller, been threatened or commenced with respect to the <FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan. There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event that, with the passage of time or with notice and the expiration of any grace
or cure period, would constitute a default, breach, violation or event of acceleration, and neither Seller nor its predecessors have waived any default, breach, violation or event of acceleration. With respect to each
<FONT STYLE="white-space:nowrap">Co-op</FONT> Loan, there is no default in complying with the terms of the Mortgage Note, the Assignment of Proprietary Lease and the Proprietary Lease and all maintenance charges and assessments (including
assessments payable in the future installments, which previously became due and owing) have been paid, and the Seller has the right under the terms of the Mortgage Note, Assignment of Proprietary Lease and Recognition Agreement to pay any
maintenance charges or assessments owed by the Mortgagor. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Z. <B><U>No Mechanics&#146; Liens</U></B>. There are no mechanics&#146; or similar Liens or
claims that have been filed for work, labor or material (and no rights are outstanding that under the law could give rise to such Liens) affecting the related Mortgaged Property that are or may be Liens prior to, or equal or coordinate with, the
Lien of the related Mortgage. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">AA. <B><U>Location of Improvements</U></B>. All improvements that were considered in determining the
Appraised Value of the Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property and no improvements on adjoining properties encroach upon the Mortgaged Property. No improvement located on or being
part of the Mortgaged Property is in violation of any applicable zoning law or regulation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">BB. <B><U>Customary Provisions</U></B>. The
Mortgage contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including:
(a)&nbsp;in the case of a Mortgage designated as a deed of trust, by trustee&#146;s sale; and (b)&nbsp;otherwise by judicial foreclosure. Upon default by a Mortgagor on a Mortgage Loan and foreclosure on, or trustee&#146;s sale of, the Mortgaged
Property pursuant to the proper procedures, the holder of the Mortgage Loan will be able to deliver good and merchantable title to the Mortgaged Property. There is no homestead or other exemption or other right available to a Mortgagor that would
interfere with the right to sell the Mortgaged Property at a trustee&#146;s sale or the right to foreclose the Mortgage. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">CC. <B><U>No
Additional Collateral</U></B>. The Mortgage Note is not and has not been secured by any collateral except the Lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in
Sections T and U of this Schedule 1. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">DD. <B><U>Deeds of Trust</U></B>. In the event the Mortgage constitutes a deed of trust, a trustee,
duly qualified under the Requirements of Law and insurer requirements to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by Buyer to the trustee
under the deed of trust, except in connection with a trustee&#146;s sale after default by the Mortgagor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">EE. <B><U>[Reserved]</U></B><B>.
</B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">FF. <B><U>FICO Scores</U></B>. Each Mortgage Loan has a <FONT STYLE="white-space:nowrap">non-zero</FONT> FICO score. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">GG. <B><U>Due on Sale</U></B>. The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal
balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">HH. <B><U><FONT STYLE="white-space:nowrap">Co-op</FONT> Loans: Acceleration of Payment</U></B>. With respect to each <FONT
STYLE="white-space:nowrap">Co-op</FONT> Loan, each Assignment of Proprietary Lease contains enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization of the material benefits of the security
provided thereby. The Assignment of Proprietary Lease contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Note in the event the <FONT STYLE="white-space:nowrap">Co-op</FONT> Unit is
transferred or sold without the consent of the holder thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">II. <B><U>Origination and Collection Practices</U></B>. The origination, servicing and
collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices and the terms of the Mortgage File, the Requirements of Law and any and all contractual obligations of Seller (including those
obligations contained in this Agreement), including, with respect to FHA Loans, the FHA Regulations relating to loss mitigation, and insurer guidelines, and have been in all respects legal, proper and prudent in the mortgage origination and
servicing business. All Mortgage Interest Rate adjustments have been made in compliance with applicable state and federal law and the terms of the related Mortgage and Mortgage Note on the related adjustment date. Seller executed and delivered any
and all notices required under applicable law and the terms of the related Mortgage Note and Mortgage regarding the Mortgage Interest Rate and any payment adjustments. All advances required to be made under the Mortgage Notes have been made within
the time frame therein specified and in accordance with the Mortgage File, FHA Regulations and Requirements of Law (with respect to FHA Loans). Any interest required to be paid pursuant to applicable state, federal and local law has been properly
paid and credited. The terms of the Mortgage Loan do not require the owner of the Mortgage Loan to make escrow payments on behalf of the Mortgagor. All escrow deposits and escrow payments, if any, are in the possession of, or under the control of,
Seller or Subservicer and have been collected and handled in full compliance with all Requirements of Law and the provisions of the related Mortgage Note and Mortgage, and there exist no deficiencies in connection therewith for which customary
arrangements for repayment thereof have not been made. No escrow deposits or escrow payments or other charges or payments due the Seller have been capitalized under the Mortgage Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">JJ. <B><U>Appraisal</U></B>. Unless there exists a property inspection waiver issued by an Agency, the Mortgage File contains an Appraisal of
the related Mortgaged Property signed prior to the approval of the Mortgage Loan application by a qualified appraiser, duly appointed by Seller or originator, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on
the security thereof; and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and the Appraisal and appraiser both satisfy the requirements of Title XI of the Federal Institutions Reform, Recovery, and Enforcement
Act of 1989 and the regulations promulgated thereunder, and all Requirements of Law and insurer requirements, each as in effect on the date the Mortgage Loan was originated. Seller has no knowledge of any circumstances or condition which might
indicate that the Appraisal is incomplete or inaccurate. In addition, the Appraisal was prepared in accordance with USPAP Guidelines. The appraiser for the Mortgage Loan was duly licensed or certified under the applicable law where the Mortgage Loan
was originated, and for each Government Mortgage Loan was acceptable to the FHA or VA, as applicable, and for each Conventional Mortgage Loan was acceptable to Fannie Mae, and/or Freddie Mac, as applicable. The Seller will maintain documentation
evidencing each appraiser&#146;s qualification and licensing or certification, which will promptly be provided to the Buyer upon request. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KK. <B><U>Servicemembers Civil Relief Act</U></B>. The Mortgagor has not notified Seller, and Seller has no knowledge of any relief requested
or allowed to the Mortgagor under the Servicemembers Civil Relief Act or any similar state statute or regulation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">LL. <B><U>Environmental
Matters</U></B>. There is no pending action or proceeding directly involving the Mortgaged Property in which compliance with any environmental law, rule or regulation is an issue. To the best of Seller&#146;s knowledge, the Mortgaged Property is
free from any and all toxic or hazardous substances and there exists no violation of any local, state or federal environmental law, rule or regulation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">MM. <B><U>No Denial of Insurance</U></B>. No action, inaction, or event has occurred and no
state of fact exists or has existed that has resulted or will result in the exclusion from, denial of, or defense to coverage under any applicable pool insurance policy, special hazard insurance policy, private mortgage insurance or other mortgage
insurance policy, including, but not limited to FHA mortgage insurance, or bankruptcy bond, irrespective of the cause of such failure of coverage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NN. <B><U>Conversion to Fixed Interest Rate</U></B>. With respect to each Adjustable Rate Loan, the Mortgage Note does not contain a provision
permitting or requiring conversion to a fixed interest rate Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">OO. <B><U>Reserved</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">PP. <B><U>Flood Certification Contract</U></B>. Seller has obtained a life of loan, transferable flood certification contract for each
Mortgage Loan with an Approved Flood Policy Insurer, and such contract is assignable to Buyer, and its successors and assigns, without cost. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">QQ. <B><U>Underwriting and Origination</U></B>. The Mortgage Loan was completely underwritten and originated by an originator who sold
(i)&nbsp;such Mortgage Loan to the Seller or (ii)&nbsp;such Mortgage Loan to a third-party who then sold such Mortgage Loan to the Seller. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">RR. <B><U>Reserved</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SS. <B><U>MERS/Assignment of Mortgage</U></B>. Either (a)&nbsp;such Mortgage Loan meets the definition of MERS Designated Loan in the
Electronic Tracking Agreement, was properly registered in the MERS System at the time of its origination and has continuously remained so registered, and has MERS as the record mortgagee or beneficiary or (b)&nbsp;Seller has delivered (or will
deliver by the Wet Delivery Deadline) to Custodian a duly executed Assignment of Mortgage (provided that the delivery of an Assignment of Mortgage shall be available solely with respect to any Mortgage Loan for which the relevant Government Mortgage
Loan or State Agency Program Loan guidelines do not allow for the use of the MERS System). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">TT. <B><U>Repairs and Improvements</U></B>.
All repairs or improvements which if not made would result in the loss of any insurance coverage, including FHA insurance, on the related Mortgaged Property have been made to such Mortgaged Property, or
<FONT STYLE="white-space:nowrap">set-aside</FONT> amounts for such repairs or improvements have been included in the related Mortgage and Mortgage Note, all in compliance with the Requirements of Law, including, but not limited to, the applicable
requirements of FHA Regulations with respect to FHA Loans. Except as otherwise disclosed in writing to Buyer, any repairs for which an advance has been made were completed and passed an inspection in accordance with the FHA Regulations with respect
to FHA Loans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">UU. <B><U>Interest Calculation</U></B>. Interest on each Mortgage Loan is calculated in accordance with the related
Mortgage Note and the Requirements of Law, including, but not limited to, the applicable FHA Regulations with respect to FHA Loans. None of the Mortgage Loans provide for simple interest calculation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">VV. <B><U>Construction or Rehabilitation of Mortgaged Property</U></B>. Either (i)&nbsp;the Mortgage Loan was not made in connection with the
construction or rehabilitation of a Mortgaged Property or facilitating the <FONT STYLE="white-space:nowrap">trade-in</FONT> or exchange of a Mortgaged Property or (ii)&nbsp;the Mortgaged Property has a certificate of completion if such Mortgage Loan
was made in connection with the construction or rehabilitation of the related Mortgaged Property. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WW. <B><U>Qualified Mortgage</U></B>.
The Mortgage Loan is a &#147;qualified mortgage&#148; within the meaning of Section&nbsp;860G(a)(3) of the Internal Revenue Code of 1986, as amended. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-9 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">XX. <B><U>[Reserved]</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">YY. <B><U>Credit Information</U></B>. As to each consumer report (as defined in the Fair Credit Reporting Act, Public Law <FONT
STYLE="white-space:nowrap">91-508)</FONT> or other credit information furnished by the Seller to the Buyer in connection with a Mortgage Loan, Seller has full right and authority and is not precluded by law or contract from furnishing such
information to the Buyer and, to the best of Seller&#146;s knowledge, the Buyer is not precluded from furnishing the same to any subsequent or prospective purchaser of such Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">ZZ. <B><U>Predatory Lending Regulations</U></B>. No Mortgage Loan is a High Cost Mortgage Loan. No predatory or deceptive lending practices,
including, without limitation, the extension of credit without regard to the ability of the Mortgagor to repay and the extension of credit which has no apparent benefit to the Mortgagor, were employed in the origination of the Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">AAA. <B><U>Compliance with Anti-Money Laundering Laws</U></B>. Seller has complied with all applicable anti-money laundering laws and
regulations, including without limitation the USA Patriot Act of 2001 (collectively, the &#147;<U>Anti-Money Laundering Laws</U>&#148;) with respect to the Mortgage Loans; Seller has established an anti-money laundering compliance program as
required by the Anti-Money Laundering Laws, has (or the related originator has) conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws as applicable as of the
origination date, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify
the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">BBB. <B><U>Purchase of Insurance</U></B>. No Mortgagor was
required to purchase any credit life, disability, accident or health insurance product as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single-premium credit life, disability, accident or health insurance policy
in connection with the origination of the Mortgage Loan. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">CCC. <B><U>Governmental Requirements</U></B>. Each Government Mortgage Loan conforms with all applicable FHA or VA underwriting, lending,
selling and servicing requirements and with all Ginnie Mae requirements for the inclusion of the Mortgage Loan in a Ginnie Mae mortgage-backed security pool, and the Seller will comply with all documentation requirements of the Buyer and the
document custodian within the time limitations described in the Facility Documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">DDD. <B><U>Conventional Mortgage Loan
Requirements</U></B>. Each Conventional Mortgage Loan conforms with all applicable requirements of the Buyer or Agencies, including, but not limited to, all requirements for the inclusion of such Conventional Mortgage Loans in any pool of loans or
private security as designated by the Buyer, Freddie Mac and Fannie Mae, and each Conventional Mortgage Loan conforms with all pooling requirements of the Agency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">EEE. <B><U>[Reserved]</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">FFF. <B><U>Regarding the Mortgagor</U></B>. The Mortgagor is one or more natural persons and/or trustees for an Illinois land trust or a
trustee under a &#147;living trust&#148; and such &#147;living trust&#148; is in compliance with Fannie Mae or Freddie Mac guidelines for such trusts. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-10 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">GGG. <B><U>High Interest Rate Credit/Lending Transactions</U></B>. The Mortgage Loan is not
subject to section 226.32 of Regulation Z or any similar state Requirements of Law (relating to high interest rate credit/lending transactions). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">HHH. <B><U>Qualified Mortgage</U></B>. (i)&nbsp;Before the consummation of each Purchased Mortgage Loan, Seller made a reasonable and good
faith determination that the Mortgagor has a reasonable ability to repay the Purchased Mortgage Loan according to its terms, and at a minimum, originator underwrote such Purchased Mortgage Loan in accordance with the eight underwriting factors set
forth in 12 CFR 1026.43(c); and (ii)&nbsp;each Purchased Mortgage Loan is a &#147;<U>Qualified Mortgage</U>&#148; as defined in 12 CFR 1026.43(e), and in particular: (A)&nbsp;each Purchased Mortgage Loan provides for regular, substantially equal
periodic payments (allowing for payment changes on adjustable rate mortgages or loans with step rate features) and does not result in negative amortization, allow the consumer to defer repayment of principal or result in balloon payments;
(B)&nbsp;the loan term does not exceed 30 years and (C)&nbsp;for Purchased Mortgage Loans with note amounts of $100,000 or greater, the total points and fees do not exceed 3% of the total loan amount. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Sch. 1-11 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>EXHIBIT A </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF SERVICER NOTICE </B></P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF SERVICER NOTICE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[date] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#8195;&#8195;&#8195;&#8195;] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#8195;&#8195;&#8195;&#8195;] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#8195;&#8195;&#8195;&#8195;]
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Attention: [&#8195;] </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Re:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Master Repurchase Agreement, dated as of April&nbsp;30, 2025 (the &#147;<U>Agreement</U>&#148;), by and between
Radian Mortgage Capital LLC (the &#147;<U>Seller</U>&#148;) and EverBank (the &#147;<U>Buyer</U>&#148;). </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#8195;&#8195;&#8195;&#8195;], (the &#147;<U>Servicer</U>&#148;) is servicing certain mortgage loans for Seller pursuant to that certain Servicing Agreement
between the Servicer and Seller. Pursuant to the Agreement between Buyer and Seller, the Servicer is hereby notified that Seller has sold and pledged to Buyer certain mortgage loans which are serviced by Servicer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Upon receipt of a notice of an event of default under the Agreement (a &#147;<U>Notice of Event of Default</U>&#148;) from Buyer in which Buyer shall identify
the mortgage loans that are then owned by and/or pledged to Buyer under the Agreement (the &#147;<U>Mortgage Loans</U>&#148;), the Servicer shall segregate all amounts collected on account of such Mortgage Loans, hold them in trust for the sole and
exclusive benefit of Buyer, and remit such collections in accordance with Buyer&#146;s written instructions. Following such Notice of Event of Default, Servicer shall follow the instructions of Buyer with respect to the Mortgage Loans, and shall
deliver to Buyer any information with respect to the Mortgage Loans reasonably requested by Buyer or which Servicer is obligated to provide to Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In
addition, and notwithstanding anything to the contrary in the Servicing Agreement, Buyer may terminate the Servicing Agreement, as pertaining to the Mortgage Loans, without payment of any penalty or termination fee, in which event the Servicer shall
cooperate, at no cost to Buyer, in transferring the servicing of the Mortgage Loans to a successor servicer appointed by Buyer in its sole and absolute discretion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding any contrary information which may be delivered to the Servicer by Seller, the Servicer may conclusively rely on any information or Notice of
Event of Default delivered by Buyer, and Seller shall indemnify and hold the Servicer harmless for any and all claims asserted against it for any actions taken in good faith by the Servicer in connection with the delivery of such information or
Notice of Event of Default. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Please acknowledge receipt of this instruction letter by signing in the signature block below and forwarding an executed copy
to Buyer promptly upon receipt. Any notices to Buyer should be delivered to the following addresses: EverBank, 301 West Bay Street, 25<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> Floor, Jacksonville, FL 32202, Attention: Sean Delaney;
Telephone: <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">857-264-3541,</FONT></FONT> <FONT STYLE="white-space:nowrap">E-mail:</FONT> Sean.Delaney@EverBank.com with copies to EverBank, 301 West Bay Street, 25<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> Floor, Jacksonville, Florida 32202, Attention: Legal Department, Telephone: (904) <FONT STYLE="white-space:nowrap">239-1178,</FONT> <FONT STYLE="white-space:nowrap">E-Mail:</FONT>
John.Maroney@EverBank.com. </P>
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 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Radian Mortgage Capital LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Preston R. James, Jr.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: &#8194;SVP Mortgage Operations and Manager</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ACKNOWLEDGED:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">[&#8195;&#8195;&#8195;&#8195; ],</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">__________________,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">[Name]</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[Title]</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">as Servicer</P></TD></TR>
</TABLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>EXHIBIT B </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">KNOW ALL MEN BY THESE PRESENTS, that, effective as of the 30<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> day of April, 2025, Radian
Mortgage Company, LLC (the &#147;<U>Seller</U>&#148;), a Delaware limited liability company, hereby irrevocably constitutes and appoints EverBank (the &#147;<U>Buyer</U>&#148;), and any officer or agent thereof, with full power of substitution, as
its true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> with full irrevocable power and authority in the place and stead of Seller and in the name of Seller or in its own name, from time
to time in Buyer&#146;s discretion: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) to take possession of and endorse and collect any checks, drafts, notes, acceptances or other
instruments for the payment of moneys due with respect to any assets (the &#147;<U>Repurchase Assets</U>&#148;) conveyed to Buyer under the Master Repurchase Agreement dated as of April&nbsp;30, 2025, between Seller and Buyer, and to file any claim
or to take any other action or proceeding in any court of law or equity or otherwise deemed appropriate by Buyer for the purpose of collecting any and all such moneys due with respect to any other Repurchase Assets whenever payable; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) to pay or discharge taxes and Liens levied or placed on or threatened against the Repurchase Assets; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) to direct any party liable for any payment under any Repurchase Assets to make payment of any and all moneys due or to become due
thereunder directly to Buyer or as Buyer shall direct; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) to ask or demand for, collect, receive payment of and receipt for, any and all
moneys, claims and other amounts due or to become due at any time in respect of or arising out of any Repurchase Assets; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) to sign and
endorse any invoices, assignments, verifications, notices and other documents in connection with any Repurchase Assets; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) to commence
and prosecute any suits, actions or proceedings at law or in equity in any court of competent jurisdiction to collect the Repurchase Assets or any proceeds thereof and to enforce any other right in respect of any Repurchase Assets; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) to defend any suit, action or proceeding brought against Seller with respect to any Repurchase Assets; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) to settle, compromise or adjust any suit, action or proceeding described in clause (g)&nbsp;above and, in connection therewith, to give
such discharges or releases as Buyer may deem appropriate; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) generally, to sell, transfer, pledge and make any agreement with
respect to or otherwise deal with any Repurchase Assets as fully and completely as though Buyer were the absolute owner thereof for all purposes, and to do, at Buyer&#146;s option and Seller&#146;s expense, at any time, and from time to time, all
acts and things which Buyer deems necessary to protect, preserve or realize upon the Repurchase Assets and Buyer&#146;s Liens thereon and to effect the intent of this Agreement, all as fully and effectively as Seller might do; to effectuate a
transfer of servicing with respect to the Repurchase Assets; and for the purpose of carrying out the transfer of servicing with respect to the Repurchase Assets and Purchased Mortgage Loans from Seller to a successor servicer appointed by Buyer in
its sole discretion and to take any and all appropriate action and to execute any and all documents and instruments which may be </P>
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necessary or desirable to accomplish such transfer of servicing, and, without limiting the generality of the foregoing, Seller hereby gives Buyer the power and right, on behalf of Seller, without
assent by Seller, to, in the name of Seller or its own name, or otherwise, prepare and send or cause to be sent &#147;<U><FONT STYLE="white-space:nowrap">good-bye</FONT></U>&#148; letters to all mortgagors under the Repurchase Assets and Purchased
Mortgage Loans, transferring the servicing of the Repurchase Assets and Purchased Mortgage Loans to a successor servicer appointed by Buyer in its sole discretion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Seller hereby ratifies all that said attorneys shall lawfully do or cause to be done by virtue hereof. This power of attorney is a power
coupled with an interest and shall be irrevocable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Any capitalized term used but not defined herein shall have the meaning assigned to
such term in the Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">TO INDUCE ANY THIRD PARTY TO ACT HEREUNDER, SELLER HEREBY AGREES THAT ANY THIRD PARTY RECEIVING A DULY
EXECUTED COPY OR FACSIMILE OF THIS INSTRUMENT MAY ACT HEREUNDER, AND THAT REVOCATION OR TERMINATION HEREOF SHALL BE INEFFECTIVE AS TO SUCH THIRD PARTY UNLESS AND UNTIL ACTUAL NOTICE OR KNOWLEDGE OF SUCH REVOCATION OR TERMINATION SHALL HAVE BEEN
RECEIVED BY SUCH THIRD PARTY, AND BUYER ON ITS OWN BEHALF AND ON BEHALF OF BUYER&#146;S ASSIGNS, HEREBY AGREES TO INDEMNIFY AND HOLD HARMLESS ANY SUCH THIRD PARTY FROM AND AGAINST ANY AND ALL CLAIMS THAT MAY ARISE AGAINST SUCH THIRD PARTY BY REASON
OF SUCH THIRD PARTY HAVING RELIED ON THE PROVISIONS OF THIS INSTRUMENT. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF Seller has caused this Power of Attorney to be executed and Seller&#146;s
seal to be affixed as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3">RADIAN MORTGAGE COMPANY LLC, a Delaware limited liability company</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Preston R. James, Jr.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: SVP Mortgage Operations and Manager</TD></TR>
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<TD VALIGN="top">STATE OF</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">ss.:</TD></TR>
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<TD VALIGN="top">COUNTY OF ________________</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">)</TD>
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</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">On the _____ day of ____________, 2025 before me, a Notary Public in and for said State, personally appeared
_________, known to me to be the _____ of Radian Mortgage Capital LLC, a Delaware limited liability company, the entity that executed the within instrument and also known to me to be the person who executed it on behalf of said entity, and
acknowledged to me that such entity executed the within instrument. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, I have hereunto set my hand affixed my office
seal the day and year in this certificate first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top">Notary Public</TD></TR>
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<TD VALIGN="top">My Commission expires<U>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</U></TD></TR>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EXHIBIT C </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF SECTION 7 CERTIFICATE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to MASTER REPURCHASE AGREEMENT (the &#147;<U>Agreement</U>&#148;), dated as of April&nbsp;30, 2025, by and between
RADIAN MORTGAGE CAPITAL LLC, a Delaware limited liability company (&#147;<U>Seller</U>&#148;), and EVERBANK, N.A., a national association (&#147;<U>Buyer</U>&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">1. It is __ a natural individual person, __ treated as a corporation for U.S. federal income tax purposes, __ disregarded for federal income
tax purposes (in which case a copy of this Section&nbsp;7 Certificate is attached in respect of its sole beneficial owner), or treated as a partnership for U.S. federal income tax purposes (one must be checked). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">2. It is the beneficial owner of amounts received pursuant to the Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">3. It is not a bank, as such term is used in section 881(c)(3)(A) of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), or
the Agreement is not, with respect to the undersigned, a loan agreement entered into in the ordinary course of its trade or business, within the meaning of such section. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">4. It is not a <FONT STYLE="white-space:nowrap">10-percent</FONT> shareholder of Seller within the meaning of section 871(h)(3) or 881(c)(3)(B)
of the Code. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">5. It is not a controlled foreign corporation that is related to Seller within the meaning of section 881(c)(3)(C) of the
Code. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">6. Amounts paid to it under the Facility Documents are not effectively connected with its conduct of a trade or business in the
United States. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" ALIGN="right">Title:</TD></TR>
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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>d807140dex102.htm
<DESCRIPTION>EX-10.2
<TEXT>
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<TITLE>EX-10.2</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.2 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GUARANTY </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>THIS
GUARANTY</B> (&#147;<B>Guaranty</B>&#148;) is made as of April&nbsp;30, 2025, by <B>RADIAN GROUP, INC.</B>, a Delaware corporation (&#147;<B>Guarantor</B>&#148;), whose notice address for purposes of this Guaranty is 550 East Swedesford Road, Suite
350 Wayne, Pennsylvania 19087, in favor of <B>EVERBANK, N.A.</B>, its successors and assigns (&#147;<B>Buyer</B>&#148;), whose address is 301 West Bay Street, Floor #28, Jacksonville, Florida 32202 with reference to the recitals set forth below.
</P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>R E C I T A L S: </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A.
Buyer has agreed to enter into that certain mortgage loan repurchase facility of even date herewith (herein referred to as the &#147;<B>Repurchase Facility</B>&#148;) by and between Buyer and <B>RADIAN MORTGAGE CAPITAL LLC</B>, a Delaware limited
liability company (&#147;<B>Seller</B>&#148;) in accordance with the terms and provisions of a certain Pricing Letter (the &#147;<B>PL</B>&#148;), the Master Repurchase Agreement (the &#147;<B>MRA</B>&#148;), the Power of Attorney,
(&#147;<B>POA</B>&#148;), the Electronic Tracking Agreement (the &#147;<B>ETA</B>&#148;), and all other loan documents in connection with the Repurchase Facility, including but not limited to the EverBank Warehouse Guide (the Guaranty, PL, MRA, POA
and all other loan documents are hereinafter collectively called the &#147;<B>Facility Documents</B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. As a condition precedent
to making the Repurchase Facility, Buyer requires that Seller obtain the execution of this Guaranty by Guarantor and Buyer will be relying on the terms hereof in making the Repurchase Facility. Guarantor&#146;s obligations hereunder are independent
of those it has as a principal or owner of Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">C. The making of the Repurchase Facility by Buyer to Seller is of value to Guarantor,
is reasonably expected to benefit Guarantor, directly or indirectly, and is in furtherance of Guarantor&#146;s personal and business interests. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">D. Guarantor has reviewed all of the terms and conditions of the Facility Documents, including, but not limited to, this Guaranty. Guarantor
has been afforded the full and fair opportunity to consult with independent legal counsel of Guarantor&#146;s own choice with respect to each and all of such matters and documents and has done so to the extent deemed appropriate by Guarantor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of Buyer making the Repurchase Facility, and as an inducement to Buyer to do so, Guarantor hereby agrees,
warrants and covenants as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. Guarantor hereby absolutely, unconditionally, and irrevocably guarantees without demand by Buyer
the full and prompt payment when due, whether by acceleration or otherwise, of (a)&nbsp;the entire amount of principal and accrued interest under the Facility Documents, (b)&nbsp;the full amount of all other indebtedness, obligations and liabilities
of Seller under the Facility Documents, including, without limitation, interest, late charges, costs of collection, reasonable and documented <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT>
attorneys&#146; fees, court costs, and other advances and extensions thereunder whether such indebtedness, obligations or liabilities have been incurred prior to the date hereof or are incurred from time to time hereafter and all without <FONT
STYLE="white-space:nowrap">set-off,</FONT> counterclaim, recoupment, or deduction of any amounts owing or alleged to be owing by Buyer to Seller, and (c)&nbsp;any indebtedness resulting from advances made on the Seller&#146;s behalf by Buyer to
protect or preserve the priority of its lien, if any, on any collateral pledged to secure the Repurchase Facility. It is </P>
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expressly understood that this Guaranty covers, without limitation, (y)&nbsp;any and all amendments, extensions, modifications, refinancings, replacements, rearrangements and renewals of the
Repurchase Facility or any of the Facility Documents; and (z)&nbsp;all interest, default interest and other amounts that would have accrued under the Facility Documents but for the commencement of a case under the Federal Bankruptcy Code or any
other similar federal or state law. Without limiting the foregoing, Guarantor specifically guarantees, to the extent of Guarantor&#146;s liability as set forth above, payment of any judgment entered against the Seller and any damages that may be
awarded in any action brought against the Seller by Buyer arising out of or relating to the Repurchase Facility or any Facility Document. All of the indebtedness, obligations and liabilities described in this paragraph are referred to herein as the
&#147;<B>Guaranteed Obligations</B>.&#148; This Guaranty is a guaranty of payment and not merely of collection. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The<B> </B>liability
of Guarantor shall cover all Guaranteed Obligations of Seller (or any or all of them if more than one) to Buyer, and shall be unconditional irrespective of the genuineness, validity, regularity, or enforceability of any Facility Document, and
without regard to any other circumstances which might otherwise constitute a legal or equitable discharge of a surety or guarantor. This is a continuing guaranty relating to any Guaranteed Obligations, including Guaranteed Obligations arising under
successive transactions which shall either continue or modify the Repurchase Facility or from time to time renew or modify Guaranteed Obligations after such Guaranteed Obligations have been satisfied. This Guaranty shall take effect when received by
Buyer without the necessity of any acceptance by Buyer or of any notice to Guarantor or to Seller, shall be continuing and irrevocable. This Guaranty may not be revoked with respect to (i)&nbsp;any outstanding Guaranteed Obligation, or (ii)&nbsp;any
advances, credit extensions or payments made under any commitment, credit arrangement or other agreement relating to any Guaranteed Obligations which permits, provides for or obligates Buyer to make advances, extensions of credit or payments on
behalf of others. With respect to other obligations, this Guaranty shall remain in effect until Buyer&#146;s written acknowledgment of Buyer&#146;s receipt of a written notice of revocation by Guarantor which revocation does not attempt to revoke
liability for any of the liabilities described in the first sentence of this paragraph. Any revocation which attempts to revoke Guarantor&#146;s liability for any of the liabilities described in the first sentence of this paragraph shall be void and
of no force or effect, whether or not received, acknowledged or accepted by Buyer unless Buyer executes a separate written termination of this Guaranty. Notwithstanding anything to the contrary contained or implied herein or in any other document,
this Guaranty may not be revoked or terminated, other than with the prior written consent of the Buyer, except upon strict compliance with the conditions and requirements heretofore set forth in this <U>Section</U><U></U><U>&nbsp;2</U>. If payment
is made by Seller, whether voluntarily or otherwise, or by any third party, on the Guaranteed Obligations and thereafter Buyer is forced to remit, rescind or restore the amount of that payment under any federal or state bankruptcy law or law for the
relief of debtors, or for any other reason, (a)&nbsp;the amount of such payment shall be considered to have been unpaid at all times for the purposes of enforcement of this Guaranty, (b)&nbsp;the obligations of Seller guaranteed herein shall be
automatically reinstated to the extent of such payment, and (c)&nbsp;Guarantor will, on demand, indemnify for and hold Buyer harmless from all losses and all reasonable costs and expenses, including reasonable legal fees, incurred by Buyer in
connection with such remission, rescission or restoration. In the event this Guaranty is preceded or followed by any other agreement of suretyship or guaranty by the Guarantor or others, all shall be deemed to be cumulative, and the obligations of
the Guarantor hereunder shall be in addition to those stated in any other suretyship or guaranty agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. Subject to any applicable cure periods in the Facility Documents, Buyer may declare
Guarantor to be in default under this Guaranty if an Insolvency Event shall have occurred with respect to Guarantor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. The obligations
of Guarantor hereunder are separate and independent of the obligations of Seller. Guarantor expressly and specifically agrees that a separate action may be brought against Guarantor whether or not Buyer has joined Seller in such action, exercised
any rights against the collateral or any other security, or pursued rights against any other guarantor, or pursued any other rights available to Buyer under the Facility Documents or applicable law. To the fullest extent permitted by applicable law,
in any action to enforce Guarantor&#146;s liability under this Guaranty, Guarantor waives any right to set off the value of the collateral against such personal liability. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. Guarantor represents, warrants, and covenants to Buyer that (a)&nbsp;the financial statements of Guarantor heretofore delivered to Buyer
either directly or published are true and correct in all material respects and fairly present the financial condition of Guarantor as of the respective dates thereof; (b)&nbsp;Guarantor has derived or expects to derive financial and other advantages
and benefits, directly or indirectly, from the making of this Guaranty and the Guaranteed Obligations; (c)&nbsp;no representations or agreements of any kind have been made to Guarantor which would limit or qualify in any way the terms of this
Guaranty; (d)&nbsp;this Guaranty is executed at Seller&#146;s request and not at the request of Buyer; (e)&nbsp;Buyer has made no representation to Guarantor as to the creditworthiness of Seller; (f)&nbsp;Guarantor has established adequate means of
obtaining from Seller on a continuing basis information regarding Seller&#146;s financial condition; (g)&nbsp;Buyer shall have no obligation to disclose to Guarantor any information or documents (financial or otherwise) heretofore or hereafter
acquired by Buyer in the course of its relationship with Seller; and (h)&nbsp;Guarantor will not, without the prior written consent of Buyer, take any action which might reasonably be expected to have a material adverse effect on Guarantor&#146;s
financial condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. The Guarantor hereby consents to all terms and conditions of agreements heretofore or hereafter made between
Buyer and the Seller (including without limitation the Facility Documents) and further agrees that Buyer may without further consent or disclosure and without affecting or releasing the obligations of Guarantor hereunder: (a)&nbsp;surrender,
exchange, release, assign, or sell any collateral or waive, release, assign, sell, or subordinate any security interest, in whole or in part; (b)&nbsp;waive, delay the exercise of, release, compromise, or grant indulgences in respect of any rights
or remedies of Buyer against the Seller or any surety or guarantor (including, without limitation, rights or remedies of Buyer against Guarantor under this Guaranty); (c) waive or delay the exercise of any rights or remedies of Buyer in respect of
any collateral or security interest now or hereafter held; (d)&nbsp;renew, extend, waive, accelerate, or modify the terms of any Guaranteed Obligation or the obligations of any surety or guarantor, including, without limitation, changes to the rate
of interest, or any instrument or agreement (including, without limitation, the Facility Documents) evidencing or relating to the same; (e)&nbsp;realize on any security interest, judicially or nonjudicially, with or without preservation of a
deficiency judgment; (f)&nbsp;apply payments received from Seller or any surety or guarantor (including Guarantor) or from any collateral, to any indebtedness, liability, or obligations of Seller or such sureties or guarantors whether or not a
Guaranteed Obligation hereunder; or (g)&nbsp;adjust, compromise or receive less than the amount due upon any collateral or the Guaranteed Obligations, and enter into any accord and satisfaction or novation agreement with respect to the same as Buyer
shall deem advisable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. Guarantor expressly, knowingly, and voluntarily waives notice of (a)&nbsp;Buyer&#146;s
acceptance of this Guaranty or its intention to act or its actions in reliance hereon; (b)&nbsp;the present existence or future incurring of any Guaranteed Obligations or any terms or amounts thereof or any change therein; (c)&nbsp;any default by
the Seller or any surety or guarantor; (d)&nbsp;the obtaining of any guaranty or surety agreement (in addition to this Guaranty); (e) the obtaining of any pledge, assignment or other security for any Guaranteed Obligations; (f)&nbsp;the release of
the Seller or any surety or guarantor; (g)&nbsp;the release of any collateral; (h)&nbsp;any change in Guarantor&#146;s business or financial condition; (i)&nbsp;any renewal, extension or modification of the terms of any Guaranteed Obligation or of
the obligations or liabilities of any surety or guarantor or of any instruments or agreements evidencing the same; (j)&nbsp;any acts or omissions of Buyer consented to in Section&nbsp;6 hereof; and (k)&nbsp;any other demands or notices whatsoever
with respect to the Guaranteed Obligations or this Guaranty. The Guarantor further waives notice of presentment, demand, protest, notice of nonpayment, notice of intent to accelerate, and notice of protest in relation to any instrument or agreement
evidencing any Guaranteed Obligation and the benefit of all principles or provisions of law, statutory or otherwise, which are or might be in conflict with the terms of this Guaranty and agrees that Guarantor&#146;s obligations shall not be affected
by any circumstances, whether or not referred to in this Guaranty, which might otherwise constitute a legal or equitable discharge of a surety or a guarantor. Guarantor hereby waives all defenses of a surety to which it may be entitled by statute or
otherwise. Guarantor hereby waives, to the fullest extent permitted by law, all rights, including all rights granted by the State of New York or any other State, to require Buyer to (a)&nbsp;proceed against Seller or any other guarantor of
Seller&#146;s payment or performance with respect to the indebtedness, (b)&nbsp;proceed against or exhaust any collateral held by Buyer to secure the repayment of the indebtedness, or (c)&nbsp;pursue any other remedy it may now or hereafter have
against Seller. Guarantor hereby waives to the full extent that it may lawfully so do, the benefit of any and all appraisement, valuation, stay, extension, homestead, exemption or redemption laws now or hereafter in force, to prevent or hinder the
enforcement or foreclosure of any Facility Document, or the absolute sale of the collateral, or the final and absolute putting into possession thereof, immediately after such sale, of the purchasers thereat. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. Guarantor expressly knowingly, and voluntarily waives any and all rights to defenses arising by reason of (a)&nbsp;any <FONT
STYLE="white-space:nowrap">&#147;one-action&#148;</FONT> or &#147;anti-deficiency&#148; law or any other law which may prevent Buyer from bringing any action, including a claim for deficiency against Guarantor, before or after Buyer&#146;s
commencement or completion of any foreclosure action, either judicially or by exercise of a power of sale; (b)&nbsp;any election of remedies by Buyer which destroys or otherwise adversely affects Guarantor&#146;s subrogation rights or
Guarantor&#146;s rights to proceed against Seller for reimbursement, including without limitation any loss of rights Guarantor may suffer by reason of any law limiting, qualifying, or discharging the Guaranteed Obligations; (c)&nbsp;any disability
or other defense of Seller, of any other Guarantor, or of any other person, or by reason of the cessation of Seller&#146;s liability from any cause whatsoever, other than full and final payment in legal tender of the Guaranteed Obligations; or
(d)&nbsp;any right to claim discharge of the Guaranteed Obligations on the basis of unjustified impairment of any collateral for the Guaranteed Obligations. Guarantor further waives (a)&nbsp;to the extent permitted by law, the defense of any statute
of limitations in any action to enforce this Guaranty and agrees that any part payment by Seller or other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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circumstance which operates to toll any statute of limitations as to Seller shall toll the statute of limitations as to Guarantor, (b)&nbsp;any right to cause a marshalling of Seller&#146;s
assets, (c)&nbsp;all exemptions and homestead laws, and (d)&nbsp;all rights of <FONT STYLE="white-space:nowrap">set-off</FONT> and counterclaims. Guarantor agrees that Buyer may proceed against any collateral securing the Guaranteed Obligations by
way of either judicial or nonjudicial foreclosure. Guarantor agrees that the obligations of Guarantor under this Guaranty shall survive any foreclosure proceeding, any foreclosure sale, any delivery of any deed in lieu of foreclosure, and any
release of record of any Facility Document. Guarantor understands that a nonjudicial foreclosure of Facility Document securing the Guaranteed Obligations could impair or eliminate any subrogation or reimbursement rights Guarantor may have against
Seller, nevertheless Guarantor hereby waives and relinquishes any defense based upon the loss of any such reimbursement or subrogation rights or any other defense which may otherwise arise therefrom and any defense that may arise out of election of
remedies, discharge or satisfaction of the Guaranteed Obligations. In the event any such Facility Document is foreclosed judicially or nonjudicially, Guarantor&#146;s liability under this Guaranty shall be that portion of the Guaranteed Obligations
representing a deficiency resulting from a judicial or nonjudicial sale, i.e., the difference between the amount due and owing on the Guaranteed Obligations on the day of the foreclosure or similar sale (including without limitation principal,
accrued interest, reasonable attorneys&#146; fees, late payments, if any, and costs of foreclosure) and the amount of the successful bid at any such judicial or nonjudicial foreclosure or similar sale. Guarantor hereby waives the right to object to
the amount which may be bid by Buyer at such foreclosure sale or similar sale. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">GUARANTOR WAIVES ALL RIGHTS AND DEFENSES ARISING OUT OF AN
ELECTION OF REMEDIES BY BUYER OR ITS SUCCESSORS OR ASSIGNS, EVEN THOUGH THAT ELECTION OF REMEDIES, SUCH AS NONJUDICIAL FORECLOSURE WITH RESPECT TO SECURITY FOR A GUARANTEED OBLIGATION, HAS DESTROYED THE GUARANTOR&#146;S RIGHTS OF SUBROGATION AND
REIMBURSEMENT AGAINST THE PRINCIPAL BY STATUTE OR OTHERWISE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. No act of commission or omission of any kind or at any time on the part
of Buyer with respect to any matter whatsoever shall in any way affect or impair this Guaranty. Without limiting the foregoing, the obligations, covenants, agreements and duties of Guarantor under this Guaranty shall not be released or impaired in
any manner whatsoever, without the written consent of Buyer, on account of any or all of the following: (a)&nbsp;any act or omission of Buyer consented to in Section&nbsp;6 hereof; (b)&nbsp;the failure to receive any notice, demand, presentment or
protest waived in Sections 5 and 7 hereof; (c)&nbsp;the occurrence of any event as to which Guarantor has provided its waiver under Section&nbsp;8 hereof: (d)&nbsp;any failure by the Seller or any other guarantor or surety to perform or comply with
the Guaranteed Obligations or the terms of any instrument or agreement relating thereto; (e)&nbsp;any change in the name, purpose, capital stock or constitution of the Seller or any other guarantor or surety; (f)&nbsp;any irregularity, defect or
unauthorized action by Buyer, Seller or any other guarantor or surety or any of their respective officers, directors or other agents in executing and delivering any instrument or agreements relating to the Guaranteed Obligations or in carrying out
or attempting to carry out the terms of any such agreements; (g)&nbsp;any receivership, insolvency, bankruptcy, reorganization or similar proceeding by or against Seller, Buyer, Guarantor or any other surety or guarantor; (h)&nbsp;any setoff,
counterclaim, recoupment, deduction, defense or other right which Guarantor may have against Buyer, Seller or any other person for any reason whatsoever whether related to the Guaranteed Obligations or otherwise; (i)&nbsp;any assignment,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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endorsement or transfer, in whole or in part, of the Guaranteed Obligations, whether made with or without notice to or the consent of Guarantor; (j)&nbsp;the voluntary or involuntary liquidation,
sale or other disposition of all or substantially all of the assets of Seller or any guarantor; (k)&nbsp;the acceptance of additional or substitute collateral as security for or any additional guaranty as surety for any Guaranteed Obligation;
(l)&nbsp;the operation of law or any other cause, whether similar or dissimilar to the foregoing; (m)&nbsp;the failure by Buyer to file or enforce a claim against the estate (either in administration, bankruptcy or other proceeding) of Seller or any
other person or entity (including, without limitation, any guarantor); (n) if the recovery from Seller or any other person or entity (including, without limitation, any other guarantor) becomes barred by any statute of limitations or is otherwise
prevented; (o)&nbsp;any impairment, modification, change, release or limitation of liability of, or stay of actions of lien enforcement proceedings against Seller, Seller&#146;s collateral pledged in the Facility Documents, or its estate in
bankruptcy resulting from the operation of any present or future provision of the Federal Bankruptcy Code or any other similar federal or state statute, or from the decision of any court; or (p)&nbsp;any neglect, delay, omission, failure or refusal
of Buyer to take or prosecute any action for the collection of any of the Guaranteed Obligations or to foreclose or take or prosecute any action in connection with any lien or right of security (including perfection thereof) existing or to exist in
connection with, or as security for, any of the Guaranteed Obligations, it being the intention hereof that Guarantor shall remain liable as a principal on the Guaranteed Obligations notwithstanding any act, omission or event which might, but for the
provisions hereof, otherwise operate as a legal or equitable discharge of Guarantor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. [Reserved.] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. In addition to all liens upon, and rights of setoff against, moneys, securities or other property of the Guarantor given to Buyer by law,
Buyer shall have and hereby is granted a lien upon, security interest in and a right of setoff after an Event of Default has occurred against all moneys, securities and other property of the Guarantor now or hereafter in the possession of or on
deposit with Buyer, whether held in a general or special account or deposit, or for safekeeping or otherwise; and every such lien, security interest and right of setoff may be exercised without demand upon or notice to Guarantor or any other
guarantors. No lien, security interest or right of setoff shall be deemed to have been waived by any act or conduct on the part of Buyer, or by any failure to exercise such right of setoff or to enforce such lien or security interest, or by any
delay in so doing, and every right of setoff and lien shall continue in full force and effect until such right of setoff or lien specifically is waived or released in a written instrument executed by Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. Guarantor hereby irrevocably waives all claims it has or may acquire against Seller or general partner of Seller in respect of the
Guaranteed Obligations, including rights of exoneration, reimbursement and subrogation. Guarantor has received no indemnification or other agreement of reimbursement from Seller in connection with the execution and delivery of this Guaranty. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. This Guaranty shall inure to the benefit of Buyer, and Buyer&#146;s successors and assigns, and shall be binding upon Guarantor and
Guarantor&#146;s successors and assigns. Buyer may, in accordance with the terms of the MRA, sell, assign or transfer any or all Facility Documents, with or without any security therefor, and in that event each and every immediate and successive
assignee, transferee or holder of all or any part of the Repurchase Facility and the Facility Documents shall have the right to enforce this Guaranty, by suit or otherwise, for the benefit of such assignee, transferee or holder as though such
parties were herein by name specifically given those rights, powers and benefits. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. In the event suit or action is instituted to enforce or interpret this Agreement, the
prevailing party shall be entitled to recover all expenses reasonably incurred at, before or after trial and on appeal, whether or not taxable as costs, or in any bankruptcy proceeding, including, without limitation, reasonable attorneys&#146; fees,
witness fees (expert and otherwise), deposition costs, copying charges and other expenses, including reasonable attorneys&#146; fees and all costs incurred on appeal to one or more appellate courts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>15. This Guaranty will be governed by the internal laws of the State of New York without giving effect to the conflict of law principles
thereof, other than Sections <FONT STYLE="white-space:nowrap">5-1401</FONT> and <FONT STYLE="white-space:nowrap">5-1402</FONT> of the New York General Obligations Law. Any legal action or proceeding with respect to this Guaranty shall be brought
exclusively in the courts of the State of New York, the federal courts of the United States of America for the Southern District of New York, and appellate courts from any thereof, and Guarantor accepts, generally and unconditionally, the
jurisdiction of the aforesaid courts. Guarantor irrevocably consents to service, jurisdiction, and venue of such courts for any such litigation and waives any other venue, or defense to venue to which it might be entitled by virtue of domicile,
habitual residence, inconvenient forum or otherwise. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. No delay on the part of Buyer in exercising any right, power or privilege
under this Guaranty shall operate as a waiver of any such right, power or privilege, nor shall any exercise or waiver of any privilege or right preclude any other or further exercise of such privilege or right or the exercise of any other right,
power or privilege. All of Buyer&#146;s rights and remedies shall be cumulative. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. Any indebtedness of Seller now or hereafter held by
Guarantor is hereby subordinated to the Guaranteed Obligations. If Buyer so requests, such indebtedness of Seller to Guarantor shall be collected, enforced and received by Guarantor in trust for Buyer, and be paid over to Buyer on account of the
Guaranteed Obligations, but without reducing or affecting in any manner the liability of Guarantor under the other provisions of this Guaranty. Guarantor shall file all claims against Seller in any bankruptcy or other proceeding in which the filing
of claims is required by law upon any indebtedness of Seller to Guarantor and will assign to Buyer all rights of Guarantor thereunder. If Guarantor does not file any such claim, Guarantor hereby appoints and constitutes Buyer as Guarantor&#146;s <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and hereby authorizes Buyer to do so in the name of Guarantor or, in Buyer&#146;s discretion, to assign the claim and to cause the claim to be filed in the
name of Buyer&#146;s nominee. In all such cases, whether in administration, bankruptcy or otherwise, the person or persons authorized to pay such claim shall pay to Buyer the full amount thereof, and Guarantor hereby assigns to Buyer, to the full
extent necessary for that purpose, all of Guarantor&#146;s rights to any such payments or distributions to which Guarantor would otherwise be entitled. Nothing in this paragraph shall be construed to create a duty in Buyer to take any action
whatsoever to protect any right Guarantor may have as to Seller. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">18. If any provision of this Guaranty or any portion of any provision of
this Guaranty shall be deemed to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall not alter the remaining portion of such provision, or any other provision hereof, as each provision of this Guaranty shall
be deemed severable from all other provisions hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">19. This Guaranty shall be so construed that, wherever applicable, the use of the singular
number shall include the plural number, the use of the plural number shall include the singular number, and the use of any gender shall be applicable to all genders, and shall likewise be so construed as applicable to and including a corporation,
partnership, or other entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">20. This Guaranty, in connection with the other Facility Documents, contains the entire agreement of
Guarantor with Buyer concerning its subject matter, and no representation, understanding, promise or condition with respect thereto shall be enforceable against any party unless it is contained in this Guaranty. This Guaranty may not be modified
except in a writing signed by both Buyer and Guarantor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">21. It is not necessary for Buyer to inquire into the power of Seller or of the
officers, partners, members, managers, joint venturers or agents, if any, acting or purporting to act on Seller&#146;s behalf, and any indebtedness or other obligation made or created in reliance upon the professed exercise of such powers shall be
guaranteed hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">22. All agreements between Guarantor and Buyer, whether now existing or hereafter arising and whether written or
oral, are hereby limited so that in no contingency, whether by reason of demand or acceleration of the final maturity of the Repurchase Facility or otherwise, shall the interest contracted for, charged, received, paid or agreed to be paid to Buyer
under or in connection with the Repurchase Facility exceed the maximum amount permissible under applicable law. All interest paid or agreed to be paid to Buyer shall, to the extent permitted by applicable law, be amortized, prorated, allocated, and
spread throughout the full period (including any renewal or extension) until payment in full of the principal balance of the Repurchase Facility so that the interest hereon for such full period shall not exceed the maximum amount permissible under
applicable law. Buyer expressly disavows any intent to contract for, charge or receive interest in an amount which exceeds the maximum amount permissible under applicable law. This paragraph shall control all agreements between Guarantor and Buyer.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">23. As used herein, &#147;Seller&#148; shall include the person named in Recital A above (whether acting on behalf of itself or any
estate created by the commencement of a case under Title 11 of the United States Code or under any successor statute thereto (the &#147;<B>Bankruptcy Code</B>&#148;) or under any other insolvency, bankruptcy, reorganization or liquidation
proceeding, or whether acting by any trustee under the Bankruptcy Code, liquidator, sequestrator or receiver of any person or entity named in this Paragraph or of the property of any such person or entity or acting by similar person or entity duly
appointed pursuant to any law generally governing any insolvency, bankruptcy, reorganization, liquidation, receivership or like proceeding) and such person&#146;s heirs, successors and assigns. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">24. Notwithstanding anything else herein to the contrary, if the Guaranteed Obligations hereunder are subject to avoidance by a trustee or <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">debtor-in-possession</FONT></FONT> in any bankruptcy proceedings under 11 U.S.C. &#167; 548(a)(ii) or 11 U.S.C. &#167; 544(b) or any comparable provisions or subject to avoidance by any
creditor under applicable state fraudulent transfer acts then, in such event, the Guaranteed Obligations hereunder shall be reduced to the maximum amount which would not be subject to such avoidance. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">25. Buyer may, at any time, sell, transfer or assign the Facility Documents, in each case in
accordance with the terms of the MRA, or any part thereof, and any or all servicing rights with respect thereto, or grant participations therein or issue mortgage pass-through certificates or other securities evidencing a beneficial interest in a
rated or unrated public offering or private placement. In connection with any of the foregoing, promptly following request from Buyer, Guarantor shall use commercially reasonable efforts to comply with reasonable diligence requests from Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">26. Any and all notices, elections, demands, or requests permitted or required to be made under this Guaranty shall be in writing, signed by
the party giving such notice, election, demand or request, and shall be delivered personally, or sent by registered, certified mail, postage prepaid, or by Federal Express or similar nationally recognized overnight delivery service requiring a
receipt, to the other party at the address stated above or to such other party and at such other address within the United States of America as any party may designate in writing as provided herein. The date of receipt of such notice, election,
demand or request shall be the earliest of (i)&nbsp;the date of actual receipt, (ii)&nbsp;three (3) business days after the date of mailing by registered or certified mail, (iii)&nbsp;one (1) business day after the date of sending via overnight
delivery by Federal Express, or another similar service requiring a receipt, or (iv)&nbsp;the date of personal delivery (or refusal upon presentation for delivery). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>27. <U>WAIVER OF JURY TRIAL</U>. TO THE EXTENT PERMITTED BY APPLICABLE LAW, GUARANTOR AND BUYER HEREBY KNOWINGLY, VOLUNTARILY AND
INTELLIGENTLY WAIVE ANY AND ALL RIGHTS THAT EACH PARTY TO THIS GUARANTY MAY NOW OR HEREAFTER HAVE UNDER THE LAWS OF THE UNITED STATES OF AMERICA OR THE STATE OF NEW YORK TO A TRIAL BY JURY OF ANY AND ALL ISSUES ARISING DIRECTLY OR INDIRECTLY IN ANY
ACTION OR PROCEEDING RELATING TO THIS GUARANTY THE FACILITY DOCUMENTS OR ANY TRANSACTIONS CONTEMPLATED THEREBY OR RELATED THERETO. IT IS INTENDED THAT THIS WAIVER SHALL APPLY TO ANY AND ALL DEFENSES, RIGHTS, CLAIMS AND/OR COUNTERCLAIMS IN ANY SUCH
ACTION OR PROCEEDING. GUARANTOR(S) UNDERSTANDS THAT THIS WAIVER IS A WAIVER OF A CONSTITUTIONAL SAFEGUARD, AND EACH PARTY INDIVIDUALLY BELIEVES THAT THERE ARE SUFFICIENT ALTERNATE PROCEDURAL AND SUBSTANTIVE SAFEGUARDS, INCLUDING, A TRIAL BY AN
IMPARTIAL JUDGE, THAT ADEQUATELY OFFSET THE WAIVER CONTAINED HEREIN. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[The remainder of this page is intentionally left blank;
signature page to follow.] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, Guarantor has executed or has caused this Guaranty to be executed under
seal as of the date written above. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">GUARANTOR:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">RADIAN GROUP, INC.,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">a Delaware corporation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>/s/ Jason Lenzini &#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</U>(SEAL)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Print: Jason Lenzini</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Title: Senior Vice President, Chief Investment Officer&nbsp;&amp; Treasurer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unlimited Guaranty Signature Page </P>
</DIV></Center>

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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>rdn-20250430.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20241122.1 -->
<!-- Creation date: 5/5/2025 10:35:47 AM Eastern Time -->
<!-- Copyright (c) 2025 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2024"
  xmlns:rdn="http://www.radian.com/20250430"
  xmlns:dei="http://xbrl.sec.gov/dei/2024"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.radian.com/20250430"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd" namespace="http://xbrl.sec.gov/dei/2024" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2024/naics-2024.xsd" namespace="http://xbrl.sec.gov/naics/2024" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rdn-20250430_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rdn-20250430_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.radian.com//20250430/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>rdn-20250430_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20241122.1 -->
<!-- Creation date: 5/5/2025 10:35:47 AM Eastern Time -->
<!-- Copyright (c) 2025 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line Two</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line Two</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>rdn-20250430_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20241122.1 -->
<!-- Creation date: 5/5/2025 10:35:47 AM Eastern Time -->
<!-- Copyright (c) 2025 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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    xmlns:xlink="http://www.w3.org/1999/xlink"
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    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.radian.com//20250430/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rdn-20250430.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
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							}</script>
</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Apr. 30, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">RADIAN GROUP INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000890926<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 30,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-11356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">23-2691170<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">550 East Swedesford Road<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 350<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Wayne<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19087<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(215)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">231-1000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.001 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RDN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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